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Visa Classic Card
| Joining Fee | Annual Fee | Indicative Rate (P.A) |
| LKR 1,000/- | LKR 1,000/- | 18% |
|---|
Features
Emergency Hospitalization Limit Enhancement Facility. | Seasonal Discount & Offers.
Supplementary Cards for your Loved Ones or for a lower limit. | Easy Settlement Plan (up to 24 Months)
0% Interest Installment Plans (Up to 24 Months) | 24 Hours Customer Service 1975
50% Cash Advances once a month. (If balance is available)
Interest Free Credit Period (Minimum 22 Days & Maximum 52 Days)
Visa Gold Card
| Joining Fee | Annual Fee | Indicative Rate (P.A) |
| LKR 1,500/- | LKR 2,000/- | 18% |
|---|
Features
Emergency Hospitalization Limit Enhancement Facility. |Seasonal Discount & Offers.
Supplementary Cards for your Loved Ones or for a lower limit. | Easy Settlement Plan (up to 24 Months)
0% Interest Installment Plans (Up to 24 Months) | 50% Cash Advances once a month.(If balance is available)
Interest Free Credit Period (Minimum 22 Days & Maximum 52 Days) | 24 Hours Customer Service 1975
Visa Platinum Card
| Joining Fee | Annual Fee | Indicative Rate (P.A) |
| LKR 1,500/- | LKR 3,000/- | 18% |
|---|
Features
Emergency Hospitalization Limit Enhancement Facility. |Seasonal Discount & Offers.
Supplementary Cards for your Loved Ones or for a lower limit. | Easy Settlement Plan (up to 24 Months)
0% Interest Installment Plans (Up to 24 Months) | 50% Cash Advances once a month.(If balance is available)
Interest Free Credit Period (Minimum 22 Days & Maximum 52 Days) | 24 Hours Customer Service 1975
Master Titanium Card
| Joining Fee | Annual Fee | Indicative Rate (P.A) |
| LKR 1,500/- | LKR 2,000/- | 18% |
|---|
Features
Emergency Hospitalization Limit Enhancement Facility. |Seasonal Discount & Offers.
Supplementary Cards for your Loved Ones or for a lower limit. | Easy Settlement Plan (up to 24 Months)
0% Interest Installment Plans (Up to 24 Months) | 50% Cash Advances once a month.(If balance is available)
Interest Free Credit Period (Minimum 22 Days & Maximum 52 Days) | 24 Hours Customer Service 1975
World Master Card
| Joining Fee | Annual Fee | Indicative Rate (P.A) |
| LKR 1,500/- | LKR 3,000/- | 18% |
|---|
Features
Local & Overseas discount programs | 24 Hours Customer Service 1975 | Interest Free Credit Period (Minimum 22 Days & Maximum 52 Days)
Cards are accepted at over 30Mn merchant outlets & at over 3Mn ATMs globally
Access to Master Global Services | Emergency Hospitalization Limit Enhancement Facility.
Access 1000+ airport lounges with "LoungKey" from MasterCard (www.loungekey.com/mastercardsa)
Supplementary Cards for your Loved Ones or for a lower limit. | 0% Interest Installment Plans (Up to 24 Months) | Easy Settlement Plan (up to 24 Months) | 50% Cash Advances once a month.(If balance is available)
World Master (GMOA) Affinity Card
| Joining Fee | Annual Fee | Indicative Rate (P.A) |
| Free | 18% |
|---|
Features
Free joining fee & Free annual fee | Local & overseas discount programs specially designed for Doctors. | 50% Cash Advances once a month.(If balance is available) |lnterest Free Credit Period (Minimum 22 Days & Maximum 52 Days)
Cards are accepted at over 30Mn merchant outlets & at over 3Mn ATMs globally | Access to Master Global Services
Access 1000+ airport lounges with "LoungKey" from MasterCard (www.loungekey.com/mastercardsa)
Emergency Hospitalization Limit Enhancement Facility. | Seasonal Discount & Offers.
0% Interest Installment Plans (Up to 24 Months) |Easy Settlement Plan (up to 24 Months) | 24 Hours Customer Service 1975
Features
No more fear of overspending
No more searching for the nearest ATM
Only more comfort and convenience
Instant issue available at all branches
100% security
Multi Currency Prepaid Travel Card
| Joining Fee | Annual Fee |
| LKR 500/- | Contact Bank |
|---|
Features
Prepaid Card – the value of the card is loaded upfront
EMV Compliant CHIP Card with PIN/Signature
Can load in US dollars, Sterling pounds, Euro, Japanese yen and Australian dollars
Reloading facility during the validity period (subject to exchange control regulations)
Ability to transfer funds from one currency to another currency in the Card
BOC Personal Loan
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 9.25% to 10.00% | Up to 10 Years | Contact Bank |
|---|
Features
Simplified documentation
Competitive pricing
Transparency
Personal loans available for various needs
Personal Loan for Accountants
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 8.25% to 10.00% | Up to 7 Years | LKR 2,000,000 |
|---|
Features
This loan scheme provides financial support to the Member of Sri Lanka Accountants Service Association for any personal needs, legally acceptable to the bank.
Special Grades Maximum up to Rs. 2,000,000/-
Grade I % II Maximum up to Rs. 1,500,000/-
Grade III Maximum up to Rs. 500,000/-
One Inter – Service Guarantor
Personal Loan - Administrative Services
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 8.25% to 10.00% | Up to 5 Years | LKR 7,000,000 |
|---|
Features
This loan scheme provides financial support to the Member of Sri lanka Administrative Service Association or Sri Lanka Educational Administrative Services Association for any personal needs, legally acceptable to the bank.
One Inter – Service Guarantor
Credit card on Clean Basis
Personal Loan for Engineers
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 8.25% to 10.00% | Up to 10 Years | LKR 7,000,000 |
|---|
Features
This loan scheme provides financial supporting to the members of IESL & IIESL in the corporate & Non – Corporate sector for any personal needs, legally acceptable to the bank.
Credit card on Clean basis
Corporate members – One personal Guarantee
Non - Corporate members – Two personal Guarantee
Personal Loan - Air Force & Navy
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 8.25% to 10.00% | Up to 7 Years | LKR 4,000,000 |
|---|
Features
Senior Ranks Maximum up to Rs. 4,000,000/-
Other Ranks Maximum up to Rs. 1,000,000/-
Two personal guarantors in the same grade or above
Vehicle Loan - Government Employees
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 8.25% to 10.00% | Up to 10 Years | LKR 3,000,000 |
|---|
Features
This loan scheme provides financial support to Government and Provincial public sector employees to purchase Motor Vehicles.
Mortgage over motor vehicle / motor cycle / scooter
Personal guarantee of two officers of similar or higher grade
Assignment over comprehensive insurance policy
Personal Loan - University Staff
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 8.25% to 10.00% | Up to 7 Years | LKR 5,000,000 |
|---|
Features
This loan scheme provides financial support to university staff (who are working the institutions which were approved by the UGC) for any personal needs, legally acceptable to the bank.
Academic staff: Up to a maximum of Rs.5 Mn.
Academic staff: Up to a maximum of Rs.05 Mn.
Personal guarantee of two officers of similar or higher grade
Medical & Dental Surgeons
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 8.25% to 10.00% | Up to 7 Years | LKR 10,000,000 |
|---|
Features
This loan scheme provides financial support to the members of the Government Medical Officers Association, Sri Lank Medical Council & Government Dental Surgeons' Association for any personal needs, legally acceptable to the bank.
Up to a maximum of Rs.10 Mn.
Credit card: Up to a maximum of Rs.1 Mn.
One Inter-service guarantee for loans over Rs.1 Mn.
Credit card on Clean basis
Personal Loan – Veterinary Surgeons
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 8.25% to 10.00% | Up to 5 Years | LKR 1,500,000 |
|---|
Features
This loan scheme provides financial support to the members of the Veterinary Surgeons Association and the member of Veterinary Council of Sri Lanka for any personal needs, legally acceptable to the bank.
Loan: Up to a maximum of Rs.1.5 Mn.
Credit card: Up to a maximum of Rs.0.5 Mn.
One Inter-service guarantor
Credit card on Clean basis
Nursing & Para medical staff
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 8.25% to 10.00% | Up to 7 Years | LKR 2,000,000 |
|---|
Features
This loan scheme provides financial support to the confirmed nursing staff and allied grades in permanent services of Government Hospitals for any personal needs, legally acceptable to the bank.
Loan: Up to a maximum of Rs.2.0 Mn.
Credit card: Up to a maximum of Rs.1 lacks
One Inter-service guarantor
Credit card on Clean basis
BOC Housing Loan Scheme
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 9.00% to 10.00% | Up to 25 Years | 50,000,000 |
|---|
Features
Purchase a land to construct a house later. / Purchase a land and to construct a house
Construct a house in an owned land of the borrower/s.
Purchase a house/ partly constructed house/ condominium unit.
Complete construction/ renovation/ extension/ repair of an existing house/ condominium unit.
Landscaping/ interior decoration of the house/ condominium unit.
Construction of houses/ apartments for sale - please contact the relevant branch for more information and this facility is provided only for the commercial purpose house builders.
Leasing
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 9.50% to 13.50% | Up to 7 Years | Contact Bank |
|---|
Features
Select vehicles of your choice | Attractive lower rental
No hidden charges | Facilities can be obtained jointly
Other Income also considered | Speedy approving system
Flexi Rentals (Rental amount can be scheduled according to your needs)
More concessions for early settlement
Features
Wide range of Deposits and Advances to suit your individual requirements.
One-point contact for all your banking transactions 24x7 through our dedicated Relationship Officers.
A branded, personalized cheque book.
An array of services offered zero cost or concessionary charges.
Treasury and foreign currency services.
BOC Current Account
| Category | Indicative Rate (P.A) |
| Personal Current Account | Contact Bank |
|---|
Features
Can be opened and operated from any branch of BOC. | Personalized cheque book.
Quick cheque realization. (Immediate cheque realization for BOC cheques)
No commission charged for outstation cheque clearance
One day cheque book delivery system. | 24 hour Call Centre.
Internationally valid debit card for personal current account holders.
Account can be accessed anytime via BOC Online Banking facility
Account can be operated through mobile phone (Paymate)
24*365 Head Office Branch, Night Banking, Weekend Banking available to serve your needs.
Prestige Plus Current Account
| Category | Indicative Rate (P.A) |
| Other Current Account | Contact Bank |
|---|
Features
Specially designed personalized Cheque book. | BOC Online Banking facility. | SMS Banking facility via BOC Paymate.
Enhanced daily withdrawal limit of Rs. 100,000/- on VISA Electron Debit Card.
Credit Cards are issued without a joining fee with a minimum credit limit of Rs. 100,000/-
Air tickets can be purchased at BOC Travels (Pvt.) Ltd. at very special rates.
Housing Loans to build your dream home, Personal Loans for all your personal needs, leasing facilities to purchase vehicles etc. available to you at very attractive terms.
BOC – SmartGen Account
| Category | Indicative Rate (P.A) |
| Special Savings | 3.00% to 4.00% |
|---|
Features
A passbook-free account | Free Internet banking access instantly
Instant SMS alerts on transactions | Monthly email statements
Instant account opening | Activated debit card to be given at the time of account opening
The next generation of savings accounts offers customers a wide array of services to enjoy speed and convenience of banking with Bank of Ceylon.
SMARTGEN account could be opened in less than 10 minutes of your time and it is fully activated to operate instantly
SmartGen is the first step taken by the bank as part of a range of new digital offerings to ensure BOC customers island-wide enjoy its multiple benefits. Simply walk into any BOC branch to open your SmartGen account todayfor a smooth and delightful banking experience.
SmartGen version is available for Ordinary Savings Accounts, 14+ Account,18 + Account, Kantha Ran Ginum Account and Senior Citizen Account
Features
Higher interest rate than the normal savings accounts
Medical Insurance cover for the account holder
Life insurance cover for parent/guardian
Scholarships for grade 5 scholarships winners
14+ Teenagers Savings Account
| Category | Indicative Rate (P.A) |
| Teen / Youth Savings | 4.00% |
|---|
Features
Offer 0.5% higher interest rate than the normal savings account
Special ATM/Debit card is issued to withdraw money from island-wide ATMs | This can also be utilized at POS machines as a debit/ shopping card.
Provide facilities only to check your balance Online| Smart Passbook
18+ Youth Savings Account
| Category | Indicative Rate (P.A) |
| Teen / Youth Savings | 3.50% |
|---|
Features
Higher interest rate than the normal savings accounts | Medical insurance cover for Account Holder
Life Insurance cover for Account Holder | Gift at wedding | Free Ran Kekulu Account for the first baby
Scholarships for University Entrants | Debit/ ATM cards | Internet and mobile Banking Facilities
Instant loan upto 90% of the account balance
BOC Normal Savings Accounts
| Category | Indicative Rate (P.A) |
| Salary Savings | 3.00% |
|---|
Features
Account can be opened jointly | ATM /Debit Card for around the clock withdrawals
The Trust and Assurance from the State bank | Internet Banking and SMS Banking facilities
Instant loan up to 90% of your account balance | Deposits can be made at over 600 Branches Island wide
24 hour Call Centre facility | 365 Days/24 Hr Banking at Head Office branch in an emergency.
Features
Offer 0.5% higher interest rate than the normal savings account | Life Insurance cover for Account Holder
Debit/ Credit Cards | Loans on low interest | Internet and mobile banking facilities
Features
Offer normal savings interest rate.
Attractive bonus interest on the interest earned will be offered, if no withdrawals have been made and at least three deposits have been made each with a minimum amount of Rs.100/- during each quarter.
10 times of the balance upto a maximum of Rs. 500,000/- will be paid at the death (Natural/Accident) / Permanent Disability (due to accidents only) of the account holder
BOC Abhimana Retirement Scheme
| Category | Indicative Rate (P.A) |
| Senior Citizens | Refer Bank |
|---|
Features
Highest benefits | Most featured retirement scheme in the market
Secured long-term return upto lifetime benefits
Normal Fixed Deposits
| 1 Month | 2 Months | 3 Months |
| 4.00% | -- | 4.50% |
|---|---|---|
| 6 Months | 12 Months (1Y) | 24 Months (2Y) |
| 4.75% | 5.00% | 6.00% |
Features
Payment of Interest (for Minimum Rs. 500,000)
Interest Payable at Maturity for all types
Monthly interest on deposits of one year and above
Savings Certificates
| 1 Month | 2 Months | 3 Months |
| -- | -- | -- |
|---|---|---|
| 6 Months | 12 Months (1Y) | 24 Months (2Y) |
| 5.00% | 6.00% | 7.00% |
Features
No need to be an account holder | Interest paid upfront
Face value is paid at maturity | Can make a nomination
Can be en-cashed in any branch | Denominations for periods of 6,12 and 24 months
Instant loan or overdraft could be easily obtained against the deposit
Withholding tax/duties and other taxes are applicable as per prevailing regulations
Can be en-cashed even before the maturity (at a reduced rate of interest for completed months)
Issued only in the name of an individual
Smart FD (Scrip-less Fixed Deposits)
| 1 Month | 2 Months | 3 Months |
| Contact Bank | -- | -- |
|---|---|---|
| 6 Months | 12 Months (1Y) | 24 Months (2Y) |
| -- | -- | -- |
Features
No physical certificate, only the smart FD opening confirmation is issued | Instant SMS confirmation
Opening, Renewal, and Closing confirmations via e-mail | Applications/ closing requests can be sent by post, e-mail or fax
FD amount can be deposited to Current or Savings account (Bank will take the deposit amount from this account)
Can be closed without visiting the branch | Interest rates for Smart FDs are similar to normal FDs
7 Day Call Deposits
| 1 Month | 2 Months | 3 Months |
| 3.75% | -- | -- |
|---|---|---|
| 6 Months | 12 Months (1Y) | 24 Months (2Y) |
| -- | -- | -- |
Features
Minimum deposit is Rs 100,000.00 | Minimum period is 7 days-(no maximum period)
Attractive interest rates | No need to be an account holder
Can make a nomination | Instant Loan/Overdraft can be easily obtained against the deposit
There is no maturity date and the depositor can withdraw by giving seven calender days notice in writing
Interest paid on withdrawals with 7 days’ Notice
Senior Citizens FDs
| 1 Month | 2 Months | 3 Months |
| -- | -- | -- |
|---|---|---|
| 6 Months | 12 Months (1Y) | 24 Months (2Y) |
| -- | 6.00% to 15.00% | -- |
Features
Minimum Deposit Rs. 10,000/- | Period – 1 Year
Higher interest rate | Payment of interest - at maturity or monthly
Nomination – A Person/Persons can be nominated to disburse the balance at the death of the account holder
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