Welcome to Cargills Bank


Cargills Bank Ltd

Welcome to Cargills Bank Ltd

Contact No : 94 11 7 640 175

Address : No. 696, Galle Road, Colombo 3.

Mastercard Gold
Joining Fee Annual Fee Indicative Rate (P.A)
LKR 500/- LKR 1,000/- 18%

Features
Quick and easy shopping with Contactless Payment technology | Up to 55 days of credit period
EMV compliant Chip and PIN technology for greater security
Attractive discounts & offers around the year with Cargills Bank Credit Cards
Worldwide ATM cash advances through Mastercard ATM network

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Mastercard Titanium
Joining Fee Annual Fee Indicative Rate (P.A)
LKR 1,500/- LKR 2,500/- 18%

Features
Quick and easy shopping with Contactless Payment technology | Up to 55 days of credit period
EMV compliant Chip and PIN technology for greater security
Attractive discounts & offers around the year with Cargills Bank Credit Cards
Worldwide ATM cash advances through Mastercard ATM network
Enjoy free overseas Travel protection by Global Insurer Allianz Insurance Lanka Limited when you use your Cargills Bank Mastercard Titanium Credit Card to purchase your return air ticket or overseas hotel booking from Sri Lanka.

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Mastercard Platinum
Joining Fee Annual Fee Indicative Rate (P.A)
LKR 2,000/- LKR 3,500/- 18%

Features
Quick and easy shopping with Contactless Payment technology | Up to 55 days of credit period
EMV compliant Chip and PIN technology for greater security
Attractive discounts & offers around the year with Cargills Bank Credit Cards
Worldwide ATM cash advances through Mastercard ATM network
Enjoy free overseas Travel protection by Global Insurer Allianz Insurance Lanka Limited when you use your Cargills Bank Mastercard Platinum Credit Card to purchase your return air ticket or overseas hotel booking from Sri Lanka.

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MASTERCARD ASCEND
Joining Fee | Annual Fee Indicative Rate (P.A)
Free 18%

Features
Quick and easy shopping with Contactless Payment technology
EMV compliant Chip and PIN technology for greater security
Up to 55 days of credit period
Attractive discounts & offers around the year with Cargills Bank Credit Cards
Worldwide ATM cash advances through Mastercard ATM network

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Mastercard Shopping Debit Card
Joining Fee Annual Fee
LKR 500/- LKR 500/-

Features
Quick and easy shopping with Contactless Payment technology
EMV compliant Chip and PIN technology for greater security
Access to over 3000 LankaPay connected ATMs & over 1 million ATMs globally through Cirrus, Maestro & Mastercard networks
Accepted over 38 million Mastercard merchant outlets
SMS alert on your transactions

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Mastercard World Debit Card
Joining Fee Annual Fee
LKR 750/- LKR 750/-

Features
Quick and easy shopping with Contactless Payment technology
EMV compliant Chip and PIN technology for greater security
Access to over 3000 LankaPay connected ATMs & over 1 million ATMs globally through Cirrus, Maestro & Mastercard networks
Accepted over 38 million Mastercard merchant outlets
SMS alert on your transactions

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Personal Loans - Salaried Individuals
Indicative Rate (P.A) Tenure Max Loan Amount
9.50% to 14.25% Up to 7 Years LKR 10,000,000

Features
We grant Loans for up to 5 Years and up to 7 Years for professionals.
We give you very attractive Interest Rates.
We are ready to grant you Loans from a minimum of Rs. 100,000, up to a maximum of 10,000,000.We offer up to 18 times your salary (subject to evaluation).

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Self-Employed Individuals
Indicative Rate (P.A) Tenure Max Loan Amount
9.50% to 14.25% Up to 7 Years LKR 10,000,000

Features
We grant Loans for up to 5 Years and up to 7 Years for professionals.
We give you very attractive Interest Rates.
We are ready to grant you Loans from a minimum of Rs. 100,000, up to a maximum of 10,000,000.We offer up to 18 times your salary (subject to evaluation).

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Doctor Loans
Indicative Rate (P.A) Tenure Max Loan Amount
9.00% to 14.25% Up to 7 Years LKR 10,000,000

Features
We offer you loans up to a maximum of Rs. 10 Mn
Our repayment period is extended up to 7 Years.

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Education Loans
Indicative Rate (P.A) Tenure Max Loan Amount
9.00% to 14.25% Contact Bank LKR 5,000,000

Features
Giving loans from a minimum of Rs 100,000 to a maximum of Rs 5Mn.

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Home Loans - Salaried Individuals
Indicative Rate (P.A) Tenure Max Loan Amount
10.25% to 13.50% Up to 20 Years Contact Bank

Features
Our repayment period extends up to 20 years. | We offer you attractive fixed and variable interest rates.
We charge lower legal fees for your loan. | To buy a house, we help you by offering up to 75% of FSV.
If its construction you are looking at, we go even to the extent of offering up to 80% of BOQ (for construction).
To buy bare land, we offer you up to 40% of the FSV. | We offer you attractive fixed and variable interest rates.

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Home Loans - Self-Employed Individuals
Indicative Rate (P.A) Tenure Max Loan Amount
10.25% to 13.50% Up to 20 Years Contact Bank

Features
Our repayment period extends up to 20 years. | We offer you attractive fixed and variable interest rates.
We charge lower legal fees for your loan. | To buy a house, we help you by offering up to 75% of FSV.
If its construction you are looking at, we go even to the extent of offering up to 80% of BOQ (for construction).
To buy bare land, we offer you up to 40% of the FSV.
We offer you attractive fixed and variable interest rates.
To buy a house, we help you by offering up to 75% of FSV.

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Loan against Property - Salaried Individ
Indicative Rate (P.A) Tenure Max Loan Amount
11.25% to 14.45% Up to 5 Years Contact Bank

Features
Provides loan for Home Renovation / Furnishing | Education | Medical / Hospitalization
Purchasing an Immovable / Movable Property such as House / Building | Bare Land | Vehicle (Registered / Unregistered) | Machinery and / or Equipment

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Loan against Property - Self Employed
Indicative Rate (P.A) Tenure Max Loan Amount
11.25% to 14.45% Up to 3 Years Contact Bank

Features
Provides loan for Home Renovation / Furnishing | Education | Medical / Hospitalization
Purchasing an Immovable / Movable Property such as House / Building | Bare Land | Vehicle (Registered / Unregistered) | Machinery and / or Equipment

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Vehicle Loans
Indicative Rate (P.A) Tenure Max Loan Amount
10.50% to 12.50% Up to 7 Years LKR 20,000,000

Features
We grant Loans for up to 7 Years. | We bring you attractive Interest Rates.
We are ready to grant you Loan amounts from a minimum of Rs. 500,000 up to a maximum of 20,000,000.
We bring you attractive Interest Rates.

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High Return Saver
Category Indicative Rate (P.A)
Special Savings Up to 4.85%

Features
You get an amazing Interest rate.
We calculate your interest for the days’ end balance and not on the average balance, which is then added to your account at the end of the month.
You can simply open an account with an Initial deposit of just Rs. 1,000/-.
You can access your account through over 3,500 Lankapay ATMs.
We offer you Monthly E-statements, which gives you added convenience. | Our online and mobile banking services give you ‘banking at your fingertips’.
You get 2 FREE ATM withdrawals, every month.
With ’Cargills Cash‘, you can now deposit, withdraw, send cash and even purchase goods, through over 426 Cargills Food City outlets, which are open from 8.00 to 10.00.p.m, 365 days of the year.

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Cargills Bank Salary Account
Category Indicative Rate (P.A)
Salary Savings Up to 5.00%

Features
Our interest rate slabs give you special interest rates, according to your days’ end account balance.
You can simply open an account, with an initial deposit of Rs. 1000/=.
You are entitled to a host of benefits, according to your salary range.
Our online and mobile banking services give, you ‘banking at your fingertips’.
With ’Cargills Cash‘, you can now deposit, withdraw, send cash and even purchase goods, through over 426 Cargills Food City outlets, which are open from 8.00 to 10.00.p.m, 365 days of the year.

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Podihitiyo Children’s Savings Account
Category Indicative Rate (P.A)
Children Savings Up to 7.50%

Features
Currently offers the best tiered interest rate on minor savings account in the market
Tiered interest rates
Interest accumulates on day-end (EOD) balance
With ’Cargills Cash‘, you can now deposit, withdraw, send cash and even purchase goods, through over 426 Cargills Food City outlets, which are open from 8.00 to 10.00.p.m, 365 days of the year.

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Cargills Cash Savings Account
Category Indicative Rate (P.A)
Special Savings 3.50%

Features
For the first time in Sri Lanka, you can deposit and withdraw cash at any Cargills Food City outlet and purchase goods using your mobile phone.
You can Send Cash instantly to any mobile phone, and Withdraw Cash from any Cargills Food City outlet.
You get guaranteed Cash, at any Cargills Food City outlet.
You can access your bank account securely and instantly, anytime, anywhere and on any day.
You have the utmost convenience, whether you are at home or out shopping.

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Senior Citizen’s Savings
Category Indicative Rate (P.A)
Senior Citizens 5.00%

Features
aving spent your whole life working, raising your kids and contributing to the economy and the success of this country, you deserve nothing less than dignity and respect.
To be able to spend your retirement in peace and comfort.
Special Interest Rate.

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Personal Foreign Currency Account
Category Indicative Rate (P.A)
Resident Foreign Currency Accounts (RFC) Refer Bank

Features
PFCA’s are an amalgamation of previous Resident Foreign Currency Accounts (RFC), Non-Resident Foreign Currency Accounts (NRFC), Resident Non- Nationals’ Foreign Currency Accounts (RNNFC) and Non-Resident Non-National Foreign Currency Accounts (NRNNFA).

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Outward Investments Account
Category Indicative Rate (P.A)
Resident Foreign Currency Accounts (RFC) Refer Bank

Features
Outward Investment Account(OIA) is a special account for resident investors in Sri Lanka to channel funds abroad for eligible overseas investments such as investment in Shares and debt securities of companies incorporated outside Sri Lanka, Units in regulated unit trusts, Sovereign Bonds issued by foreign governments and to set up overseas office.

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Inward Investments Account
Category Indicative Rate (P.A)
Resident Foreign Currency Accounts (RFC) Refer Bank

Features
IIA is an amalgamation of “Securities Investment Accounts” (SIAs) and “Special Foreign Investment Deposit Accounts” (SFIDAs) opened and maintained in foreign currencies and in Sri Lanka Rupees of previous Exchange Control Act.

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Capital Transaction Rupee Account
Category Indicative Rate (P.A)
Non-Resident Foreign Currency Accounts (NRFC) Refer Bank

Features
CTRA is an amalgamation of “Non- Resident Rupee Accounts” (NRRAs), “Non- Resident Blocked Accounts” (NRBAs) and “Migrant Blocked Accounts” (MBAs) of previous Exchange Control Act.

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ABHIMANI WOMEN’S SAVINGS ACCOUNT
Category Indicative Rate (P.A)
Women's Saving 5.00%

Features
Free Branded “Abhimani” Debit Card
Processing Fees on Personal Loans – 25% waived from the prevailing tariff for the “Abhimani” Account holders who obtain loans for the purpose of education & wedding
Free “Prodihitiyo” minor savings account for the newborn babies with an initial deposit of LKR 1,000/- contributed by the Bank for “Abhimani” account holders who maintains a minimum balance of LKR 10,000/-, consecutively for 3 months.
Cash Back Facility up to 90% against the “Abhimani” Savings Account Balance
Mobile & Internet Banking – Registration fee and first year annual fee fully waived.
SMS Alerts (setup & updates fee) – FREE

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Fixed Deposits
1 Month 2 Months 3 Months
4.00% -- 5.00%
6 Months 12 Months (1Y) 24 Months (2Y)
5.75% 6.25% 6.75%

Features
Deposits can be opened with the tenures of 1, 3 and 6 Months and 1 to 5 years.
Option of withdrawing your interest at Maturity, Monthly, or to be capitalized for a further tenure.

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DIRIYA
1 Month 2 Months 3 Months
-- -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- 5.60% 5.60%

Features
DIRIYA, is an investment plan account designed to set aside a fixed amount of savings every month (fixed monthly installment) to achieve a target amount at the end of an agreed period, which will help the customer to secure the future needs and confidence to take life with a firm financial foundation.
No Minimum Balance Fee
SMS Alert Free of Charge
IB & MB Free of Charge
Standing Instruction Setup Free of Charge
Customers can select the investment periods ranging from 1 – 10 years to start with their investment plan.

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