Savings & Current Accounts

A Savings Account is where an individual could deposit his/her savings with the Bank and earn interest as an encouragement to save. An individual could also open a Current Account to carry out business transactions. Upon opening a Savings or Current Account, a Debit card shall be provided to the individual in order to withdraw money from an ATM machine or over the counter and online payments. As additional value-added services, a Customer is given benefits such as internet and phone banking to perform digital transactions and even check balances via SMS alerts. Most Debit Cards can be used globally.


Bank Selection
Savings Account Categories
Current Account Categories
Kantha Ran Ginum
Category Indicative Rate (P.A)
Women's Saving 3.50%

Features
Higher Interest rate above normal savings interest rate
Free Life Insurance Cover
Reduced interest on Leasing facilities and Ran Surekum pawning
Loans on low interest
Internationally accepted Debit /Credit card (without joining fee)
Internet and mobile banking facilities

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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.

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Aswenna
Category Indicative Rate (P.A)
Special Savings 3.00%

Features
And additional Interest of 0.25% when balance exceeds Rs. 100,000/-
Priority given to “Aswenna “ Loan scheme.
Interest will be calculated on daily basis and credited to the account monthly.
Interest rate 0.5% higher than the normal savings interest rate.
0.5% concessionary Interest rate for Pawning

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BOC Normal Savings Accounts
Category Indicative Rate (P.A)
Regular 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.

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HNB Youth
Category Indicative Rate (P.A)
Teen / Youth Savings Up to 3.00%

Features
An HNB Youth Savings Account with higher interest rates.
Free internet and mobile banking facility with HNB Digital Banking App
HNB Credit Card with no joining fee and first year annual fee waived off
Educational, Home, Vehicle and Entrepreneurial Loans at lower interest rates
Get 3 times of your salary as an Overdraft facility or a Personal Loan with the HNB Youth Salary Smart Account.
An HNB Minor Savings Account (Singithi Kirikatiyo) with a free deposit of Rs. 1,000 for your newborn baby.

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Real Saver
Category Indicative Rate (P.A)
Regular Savings Up to 4.00%

Features
100% bonus as your monthly commitment is met
A minimum monthly deposit of Rs. 1,000 or above has to be pledged by you at the time of opening an account
Open with an initial deposit of Rs. 1000/-
Recieve a Passbook or an e-statement to track your savings
Mobile banking facility
Free internet banking facility

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Current Accounts
Category Indicative Rate (P.A)
Personal Current Account Contact Bank

Features
The freedom to enjoy unlimited withdrawals per month
Internet Banking facility | Standing Order Facility
Mobile Banking facility to access your account from anywhere, anytime.
Free Internet Banking Facility | Free SMS Alerts.
E- statement facilities directed to your preferred email address
Personalized Cheque book facility
You can also make payments for goods and services using your ATM cum Debit card, to any merchant with a POS machine connected to the Visa or Master network.

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NSB I'm
Category Indicative Rate (P.A)
Teen / Youth Savings Up to 3.50%

Features
An attractive tiered interest rate. | Up to 80% savings as a Loan.
Master / Visa ATM Debit Card.| Free Internet Banking Facility.
Standing Order Facility. | Scholarships for University Students
Special Gifts when the account holder reaches 21 years of age and on Childbirth*
Career Guidance Programmes for A/L Students.

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Nations Prabuddha
Category Indicative Rate (P.A)
Senior Citizens 4.00%

Features
Preferential interest rate of 4.0% on Nations Prabuddha Senior Citizen Savings Account.
No penalties on pre-mature upliftment of fixed deposits for medical emergencies
Option to open the savings account jointly with spouse or children.
A loan facility up to a maximum of 15 times of the monthly pension.
Credit Card facility*
Nations MasterCard Shopping Debit Card

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Salary Max Savings
Category Indicative Rate (P.A)
Salary Savings Up to 2.50%

Features
Remit your salary for 3 consecutive months and get a salary advance or POD equal to your monthly salary
Attractive interest rates on Dream Maker personal loans
Home loan facilities
A credit card with special seasonal benefits
Leasing facilities
Micro loan facilities
NDB Debit card
Standing order facility
Real Saver Account or Araliya savings Account with Bonus interest
Mobile banking facility
E-statement option
Free Internet Banking

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Savings Account
Category Indicative Rate (P.A)
Regular Savings 3.31%

Features
Minimum deposit is Rs. 1,000/- / Profit will be credited monthly at a pre-agreed ratio
Can open individually or jointly / Standing Order facility / VISA Debit Card with SMS alerts
Periodic Statements including e-statments or Passbook to record and monitor account transactions
Access to Amana Bank Internet Banking & Mobile Banking

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Sampath Supreme Current Account
Category Indicative Rate (P.A)
Other Current Account Contact Bank

Features
No charges on cheque redeposit | No charges on outward cheque returns | Printing the year on which the customer opened the account (e.g. “Customer since……..”)
Credit within one day from any bank for Sampath current account cheques | Receive immediate SMS alerts of your cheque transactions on your mobile.
Immediate encashment of cheques from any one of our branches located islandwide, even if you are not a holder of a Sampath Current Account.
Cheque clearing commissions are not charged for the cheques which are cleared in areas located away from Colombo.
Sampath Bank crossed cheques can be deposited at any branch and realized via another branch.
Immediate overdraft (OD) through the FLEXI facility which links all your Sampath Saving Accounts to your Sampath Current Account.

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Power Bonus Account
Category Indicative Rate (P.A)
Special Savings 2.50%

Features
This is a specialized savings account that pays you a quarterly bonus on interest earned.
You can earn 60% bonus on the interest of your account, based on conditions applied for withdrawals.
Interest will be calculated on the daily balance and credited to your account monthly.
Your money is freely available for withdrawals or transfers. No prior notice is required. There is no minimum period for deposits.
Mobile Banking facility - Free of charge.| SMS alert facility - Registration fee waived off.
e-Passbook facility - Free of charge.| e-Statement facility - Free of charge.

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Regular Current Account
Category Indicative Rate (P.A)
Personal Current Account Contact Bank

Features
Personalised cheque book.
Cheque clearing offered on cheques deposited up to 4 pm, with proceeds credited to the account the following day before 4 pm
Ability to deposit cheques up to 4pm on working days. | Overdraft facilities can be arranged.
Free SMS Alerts.| Online banking and mobile banking.
Free utility bill payments | Convenience of an Off Site ATM network.
Flexibility for frequency of statements.

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Nations Business Banking Current Account
Category Indicative Rate (P.A)
Other Current Account Contact Bank

Features
Access your account any time anywhere through our state-of-the-art Internet banking
Post dated Cheque Management
365 day banking services, at selected branches, for extended banking hours
Our wide spread ATM network enables you to pay all your utility bills and credit card bills while you transfer or withdraw funds from your account
Personalized cheque book and standing instruction set up

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Harvest Account
Category Indicative Rate (P.A)
Special Savings Up to 3.25%

Features
An additional interest of 1% when balance exceeds Rs. 10,000/-
Priority for agriculture loans
Concessionary interest rates for cash backed facilities
“Harvest” account holders receive priority for agriculture loans to assist them with the seasonal harvesting and other agriculture related activity.
Concessionary interest rates are granted to cash backed facilities.

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DFCC Aloka
Category Indicative Rate (P.A)
Women's Saving Contact Bank

Features
High Interest tiered savings account - As you increase the savings account balance maintained in the DFCC Aloka savings account you are able to earn a higher rate of return.
Branded Debit card with Joining fee and the 1st-year annual fee is waived off. This card will entitle/allow you to attend all programs organized by DFCC Bank for Aloka customers.
Free ATM withdrawals from over 3000 ATMs at DFCC and Lanka Pay.
You will be benefited for a life insurance cover up to 10 times for your account balance maintained in the account prior to 6 months of the occurrence of event.
Personal Financial Services.
MSME/SME business Consultation through DFCC Business Consultants (Pvt) Ltd
Free ATM withdrawals from over 3000 ATMs at DFCC and Lanka Pay.
DFCC Ranwarama – Preferential Interest rates on all your pawning transactions

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BOC – SmartGen Account
Category Indicative Rate (P.A)
Special Savings Up 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

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Udara Senior Citizens Account
Category Indicative Rate (P.A)
Senior Citizens 3.00%

Features
A special interest rate which is higher than the normal interest rate offered will be offered to you
Your interest will be calculated on a daily basis and credited monthly.
Your money is freely available for withdrawals or transfers. No prior notice is required. There is no minimum period for deposits.
A Debit Card will be offered free of charge.

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Nations Saver
Category Indicative Rate (P.A)
Regular Savings 2.50%

Features
Tiered Interest Rates, as your funds grow
Easy Banking - 365 day banking with extended hours in selected branches
24 hour access - Keep track with free phone and internet banking
Our e-statement with Free internet and mobile banking facilities
Joint accounts can be opened
Now you can open a Nations Saver account via Nations Mobile App

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Araliya Women’s Savings Account
Category Indicative Rate (P.A)
Women's Saving Up to 3.25%

Features
Interest up to 3.75% p.a. for all accounts meeting the monthly commitment
Welcome gift for initial deposits of Rs.10,000
A free Minor Children’s Savings Account at child birth from the bank for accounts maintaining a monthly average balance above Rs.25,000/
Free life protection cover of up to Rs. 1,000,000 for account holder and family
Free hospitalization cover for family members and account holder*
Free medical check-up for account holder after five years from the date of account opening
Gift Voucher on 21st birthday for accounts maintaining a monthly average balance above Rs. 25,000
E-statements or passbook upon request / Special rates on loan facilities by NDB
Branded ATM Debit Card / Online Banking facility / Mobile banking facility
Minimum deposit required to open the account is Rs. 1,000

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Prathilaba
Category Indicative Rate (P.A)
Regular Savings 3.00%

Features
Attractive interest rate / Housing Loans of special terms / A free standing order to remit funds
You can pay your monthly installment on housing loans obtained from HDFC through Prathilabha saving account
You allowed for unlimited withdrawals per month without deduction of the interest rates
Statements of account can be obtained by the account holder subject to a fee
On the cheques drawn in favor of the HDFC can be credited to the Prathilabha savings account
Customers will be provided with a ATM Card

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Seylan Ihalin Ihalata Account
Category Indicative Rate (P.A)
Special Savings Up to 3.00%

Features
Unlimited Withdrawals
Cash Back Loan of 90% of account balance*
FREE International Debit Card*
24 hour access to your account though island wide ATM network

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RDB Ayojana (Investment account)
Category Indicative Rate (P.A)
Special Savings Contact Bank

Features
This is the general investment account introduced by the Bank for the clients who receive credit facilities.
The special features of the product include an attractive interest rate for deposits and a special loan scheme customized for the target segment.
Minimum Deposit is LKR 500/-

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Ladies 1st
Category Indicative Rate (P.A)
Women's Saving 2.50%

Features
Higher interest rate than the normal savings.
Branded Pass book and branded Visa Debit card.
Loans on discounted rates of 0.25% below the current rate- Personal Loans / Housing Loans / Vehicle Loans / Leasing Facilities

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High Return Saver
Category Indicative Rate (P.A)
Special Savings Up to 12.50%

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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Inward Investment Account (IIA)
Category Indicative Rate (P.A)
Non-Resident Foreign Currency Accounts (NRFC) Contact Bank

Features
All existing Securities Investment Accounts (SIAs) and Special Foreign Investment Deposit Accounts (SFIDAs) opened and maintained in foreign currencies and in Sri Lanka Rupees have now merged and re-designated as Inward Investment Accounts (IIAs).

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Regular Savings
Category Indicative Rate (P.A)
Regular Savings Up to 2.00%

Features
Attractive interest rates for account balances of Rs.2,000/- & above
Free Cash withdrawals at any Union Bank ATM, SMS alerts and Utility bill payments at any Union Bank Branch
Visa International Shopping Debit Card with global access and special offers / discounts
Online banking facility
Access to account from any ATM in Sri Lanka (via LankaPay) and Visa ATMs globally

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CURRENT ACCOUNTS
Category Indicative Rate (P.A)
Personal Current Account Contact Bank

Features
Personalized cheque books immediately
Easy access to your account from anywhere you are, simply through our Mobile and Online Banking facility
Our “Cargills Cash” service that allows you the convenience of simply depositing to your account through over 426 Cargills Food City outlets islandwide, open from 8 to 10, 365 days of the year

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Dotcom Teen Account
Category Indicative Rate (P.A)
Teen / Youth Savings 3.00%

Features
Encourage teenagers to save while controlling their spending.
A higher interest rate than the regular savings account will be offered for Dotcom Account.
A Dotcom Debit Card will be offered to your child at a discounted price.
Loan facilities will be offered for the parent or the legal guardian for educational purposes of the child.

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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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Regular Savings Account
Category Indicative Rate (P.A)
Regular Savings 2.50%

Features
Interest is calculated daily and credited to your account monthly.
You have the option of choosing a Statement Savings or a Pass Book Savings Account.
Your money is freely available for withdrawals or transfers. No prior notice is required. There is no minimum period for deposits.
You can access your account 24/7 from any part of the country or even from overseas through our automated touch points
Mobile Banking facility - Free of charge.| SMS alert facility - Registration fee waived off.

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NDB Shilpa Children's Savings Account
Category Indicative Rate (P.A)
Children Savings Up to 6.00%

Features
The account holder is entitled to a free hospitalization cover whereby Rs.2,500/- per day shall be paid in the event of the account balance reaching Rs.20,000/- However the total amount payable shall be subject to a maximum amount of Rs.225,000 /- per annum
In the event the account holder is admitted to the intensive care unit of a hospital , the above benefit on hospitalisation per day shall be doubled. However the total amount payable will be subject to a maximum amount of Rs.225,000 per anum.
Please note the above shall be applicable only after the account holder reaches one year (01) of age and for hospital stays of not less than two (02) nights
In the event the account balance reaches Rs. 20,000/- the parent /guardian (who has signed the mandate) of the account holder shall be entitled to a free life insurance cover and a permanent disability cover amounting to Rs.50,000/-
In the event the account balance reaches 50,000/- , the above benefit to the parent/guardian shall be doubled.
Standing orders will be placed free of charge for money transfers from parent's/guardian's NDB Account to NDB Children's Savings Account
Special rewards for your child`s performance at the Grade 5 Scholarship Exam
Special rewards for your Child’s performance at G.C.E O/L exam.

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Sampath Double S
Category Indicative Rate (P.A)
Regular Savings 2.00%

Features
An activated Sampath Visa or Master Debit Card is given at the opening of the account.
Accessibility to the account from anywhere, with our islandwide branch/ATM network.
Internet banking facility on your request.
SMS Alerts facility to monitor your transactions.

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SDB Upahara
Category Indicative Rate (P.A)
Senior Citizens Up to 4.50%

Features
Special interest rate.(Please click "More Rates" for additional Rate updates)
Attractive loan facilities against savings balances with ability to avail up to 80% of the deposit
SDB VISA debit card that can be used at any SDB ATM or any other VISA ATMs across the country. The debit card can also be used to purchase goods and services at any VISA merchant outlet island-wide
Multiple convenient digital banking platforms such as SDB Mobile App, SMS Banking, Business Internet Banking, UPay and mCash

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Union Bank Invest Plus
Category Indicative Rate (P.A)
Special Savings Contact Bank

Features
Flexibility to invest monthly or as a lump sum
Investment options from a minimum of Rs. 100,000 to maximum of Rs.10 million
Guaranteed interest rate at time of opening the account. | Online banking facility

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RDB New Life – Retirement Plan
Category Indicative Rate (P.A)
Senior Citizens Contact Bank

Features
Customers can open the account and send deposits monthly every three months or bi-annually.
Benefits can be obtained once he or she completes the age of 55. This can be extended till the age of 60.

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Minor Savings Account
Category Indicative Rate (P.A)
Children Savings 4.00%

Features
Access bonus interest as you save more.
Interest calculated daily and paid monthly.
Easily show your child their savings progress with internet banking.
Encourage them to take control of their savings and spending while they are young.
Build independent and financial discipline.

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Kids Savings
Category Indicative Rate (P.A)
Children Savings Up to 4.50%

Features
Rs.1,000 Initial Deposit, TIER Based Interest Rates View Interest Rates
Attractive Gift Scheme *Kidz Club Account, Automatic Transfer Facility
Set up Standing Instructions Free of Charge

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Parinatha
Category Indicative Rate (P.A)
Senior Citizens Up to 7.00%

Features
A bonus interest of 2% over the normal
A maximum loan facility of Rs. 3,000,000/-
50% Discount on credit card registration fee
VISA International debit card which gives you 24-hour access to your money through the VISA ATM network internationally.
Mobile banking, voice banking app & internet banking facility.
Priority treatment at all branches.

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FC Children’s Savings Account
Category Indicative Rate (P.A)
Non-Resident Foreign Currency Accounts (NRFC) 3.50%

Features
You can save for your children in foreign currency with attractive interest rates.
Account can be opened with US Dollars, Sterling Pounds, Australian Dollars and Euros.
A higher interest rate will be offered than the rate offered for Personal Foreign Currency Accounts.

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Inward Investments Account
Category Indicative Rate (P.A)
Resident Foreign Currency Accounts (RFC) Contact 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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Personal Foreign Currency Account
Category Indicative Rate (P.A)
Resident Foreign Currency Accounts (RFC) 1.75%

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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BOC e-Thuru
Category Indicative Rate (P.A)
Special Savings 2.00%

Features
E-statement Facility
Free SMS Alert
B App/ Smart Online Banking Facility
Consideration for concessionary rates of interest for BOC funded sustainable loan schemes such as Solar Panel, Bio Gas, E-Bicycle etc.
Special Green Certificate awarded in recognition of the contribution made towards sustainable development initiatives

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Buhuti
Category Indicative Rate (P.A)
Children Savings 3.75%

Features
The child today is a leader tomorrow.. That is why we should teach them the good habit of saving.
Buhuti is a special savings account designed to inculcate the habit of savings during the childhood.
Preferential interest rate calculated on the daily basis minimum balance and credited monthly.
Special gift scheme offer time to time.
Cash will not be allowed to withdraw until the child attains 18 years old except for educational or critical medical requirement.

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HNB Salary SMART
Category Indicative Rate (P.A)
Other Current Account Contact Bank

Features
3 times your net salary as an Overdraft Facility or as a Personal Loan
50% net salary as an advance | No guarantors
Special interest rates for Leasing, Personal and Home Loans
Loan buyback (Debt Consolidation Loans) at special rates
HNB Platinum Visa Credit Card with first year annual fee waived off
High interest savings account with unlimited withdrawals
Exclusive benefits and discounts on Life, Motor and Non-Motor Insurance Policies

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Inward Investment Account (IIA)
Category Indicative Rate (P.A)
Non-Resident Foreign Currency Accounts (NRFC) Contact Bank

Features
Accounts can be maintained in Sri Lanka rupees and foreign currency
Accounts may be jointly opened with another eligible person.
Ability to operate the account in USD, EUR, GBP, AUD, SGD, Swedish Kroner, Swiss Franc (CHF), CAD, Hong Kong Dollars, JPY, Danish Kroner, Norwegian Kroner, Chinese Renminbi, NZD
The details of this product are in accordance to regulations published by Central Bank of Sri Lanka (CBSL). Thus, the details may change from time to time according to changes in regulations.

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Jana Jaya
Category Indicative Rate (P.A)
Special Savings 3.00%

Features
Attractive rate of interest
Leasing facilities for procuring industrial machinery and vehicles
Loans for building or purchasing your own home and household items
Loan facilities for household items and building or purchasing a home.
Leasing facilities for procuring industrial machinery and vehicles.
Mobile banking, voice banking app & internet banking facility.

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Champion Saver
Category Indicative Rate (P.A)
Special Savings Up to 8.00%

Features
Higher interest rate
Withdraw cash from any ATM island wide
Begin with a deposit of Rs.1,000/-
VISA enabled international Debit card
SMS alerts for your transactions | Internet banking
A passbook or online bank statement
Nominate an account beneficiary | Standing Order facility
Interest is calculated on daily balance and credited monthly

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Current Account
Category Indicative Rate (P.A)
Personal Current Account Contact Bank

Features
365 day banking services, at selected branches, for extended banking hours
Free mobile banking, SMS banking and 24 hour call centre on the go
Our wide spread ATM network enables you to pay all your utility bills and credit card bills while you transfer or withdraw funds from your account. Free ATM withdrawals at any Nations Trust ATM
Personalized cheque book and standing instruction set up

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Smart Goals
Category Indicative Rate (P.A)
Special Savings Contact Bank

Features
Smart Goals offers higher interest rates
Total flexibility and convenience. Customers can plan ahead to achieve their targets in three years by depositing any amount of money at any time.
Incentive to save. The more customers save, the higher the interest rate. It will be calculated on a daily basis and credited to one’s Smart Goals account monthly.
Customers can also opt not to withdraw their money at the end of three years. This will entitle them to an additional interest rate of 0.5% if no withdrawals are made during the relevant month

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DFCC Salary Plus
Category Indicative Rate (P.A)
Salary Savings Contact Bank

Features
The flexibility of opening any type of Savings Account under this scheme.
The Account may be opened with a zero balance; where the first salary remittance to the account should be within 30 days from date of account opening.
Debit Card joining fee waived off
Free ATM withdrawals in any DFCC or Lanka pay ATM in Sri Lanka
Pay insurance premium through DFCC Credit Cards, in instalments, with 0% interest.

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Privilege Current Account
Category Indicative Rate (P.A)
Personal Current Account Contact Bank

Features
FREE Cheque Book, FREE Debit Card & Online Banking, FREE e-Statements & SMS Alerts
Discounted Charges on Trade Transactions, Dedicated Relationship Manager
Preferential Exchange Rates & Discounts on Fund transfers
Concession on Initial Deposit for Safety Lockers
Initial Deposit : Personal Customers LKR 10,000/- | Business Customers LKR 20,000/-
Min. Monthly Average Balance LKR 25,000/-

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Current Account
Category Indicative Rate (P.A)
Personal Current Account Contact Bank

Features
Quick cheque realization
Access through 249 HNB customer centres
Access to a network of over 450 HNB ATMs island wide and access through any VISA enabled ATM locally or globally
Free E Statements and E banking
VISA HNB Super Shopper Debit Card (Free SMS alerts on ATM withdrawals and POS transactions)
The stability and credibility of a bank with a heritage of trust of over 125 years

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Sampath Hit Saver
Category Indicative Rate (P.A)
Special Savings Up to 7.50%

Features
The freedom to enjoy unlimited withdrawals per month.
A Passbook to monitor the progress of your savings.
Instant loan facilities up to 90% of the Account Balance.
The account is accessible from anywhere with our island wide Branch/ATM network.
Internet and Phone Banking facility to access your account from anywhere, anytime.
A host of additional features to enhance convenience.

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Thilina Rakawarana
Category Indicative Rate (P.A)
Children Savings 6.00%

Features
Account can be opened from even Rs. 100/- .
In the event of the depositor’s demise or becoming permanently disabled before completing the deposit plan, the guaranteed sum will be paid to the beneficiary at the maturity of the investment.
You can choose a optional monthly deposit amounts as 100/-, 500/-, 1000/-, 1500/-, 2000/-, 2500/-, 3000/-, 3500/-, 4000/-, 4500/- and 5000/-
There are also four options available in selecting the initial monthly deposit period. It can be 2 year, 3 year, 4 year or 5 year deposit plan which can be chosen by the basis of the child’s age.
Account holders who fall within the district highest marks earning 10 students in Year 5 scholarship program will be given scholarships worth Rs. 10,000/- each
Account holders who fall within the district highest marks earning 10 students in O/L examination will be given scholarships worth Rs. 25,000/- each
Account holders who fall within the district highest marks earning 10 students in A/L examination will be given scholarships worth Rs. 50,000/- each.

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Sampath EXPAT Account (SEA)
Category Indicative Rate (P.A)
Non-Resident Foreign Currency Accounts (NRFC) Contact Bank

Features
An internationally accepted Credit Card from Platinum Category or above with joining fee and 1st year annual fee, waived off
Supplementary Credit Card for immediate family members with joining fee and 1st year annual fee, waived off
Eligibility for all local and overseas offers valid for your respective Sampath Credit Card.
Sampath Vishwa Online Banking facility with 1st year annual fee waived off for accounts opened until 1st April 2021.
Slab-wise Cash Back benefits by maintaining the minimum, average balance in your SEA.

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LKR Current Accounts
Category Indicative Rate (P.A)
Personal Current Account Contact Bank

Features
Personalized cheque book | Weekly/ Monthly / Quarterly Statements
E-Statement facility | VISA Debit Card with SMS alerts
Standing Instruction facility | Sweep in and Sweep out facility

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BOC Smart Salary Saver Account
Category Indicative Rate (P.A)
Salary Savings Contact Bank

Features
Daily investment of additional funds | Easy access for invested funds for day to day payments
Instant Salary Advance | Automated Monthly Bill Payment
E-Commerce enabled Debit Card | Digital Banking Services

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Capital Transaction Rupee Account (CTRA)
Category Indicative Rate (P.A)
Special Savings Contact Bank

Features
All existing Non- Resident Rupee Accounts (NRRAs), Non- Resident Blocked Accounts (NRBAs) and Migrant Blocked Accounts (MBAs) have now merged and re-designated as Capital Transactions Rupee Accounts (CTRAs).

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Nations Max Bonus
Category Indicative Rate (P.A)
Special Savings 2.50%

Features
An account that gives you maximum benefits with Bonus Interest Rates
A life cover of Rs. 100,000 and a critical illness cover of Rs. 25,000
Overdraft facility
Free internet banking, and mobile banking facility
Nations Shopping Debit Card
Now you can open a Nations Max Bonus account via Nations Mobile App

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DFCC Teen Account
Category Indicative Rate (P.A)
Teen / Youth Savings Contact Bank

Features
Talents emerge in your teens! Save the money you earn using your talent, your pocket money and cash gifts in a DFCC Teen Account.
Exclusive personalised Teen Debit Card.
Transfers to own DFCC Junior Account.
SMS alerts to parent/ guardian.
Keep track of transactions with E-statements.
Preferential interest rate.
Exclusive discounts/ offers at partner outlets.
Convenience of Tap & Pay up to Rs.5,000 per day.

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Nations Mega Saver
Category Indicative Rate (P.A)
Special Savings Contact Bank

Features
An attractive tiered interest rate structure
Get your interest paid on daily available balance and credit it monthly
ATM withdrawals free of charge from all Nations Trust ATMs island wide and charges applicable for other bank ATM withdrawal
Enjoy free Internet Banking, you pay nothing for setting up
Finally open up joint accounts as you choose
Now you can open a Nations Mega Saver account via Nations Mobile App

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SDB Savings
Category Indicative Rate (P.A)
Regular Savings 2.50%

Features
Interest will be calculated on a daily basis and credited monthly
SDB VISA debit card that can be used at any SDB ATM or any other VISA ATMs across the country. The debit card can also be used to purchase goods and services at any VISA merchant outlet island-wide
Standing-order facilities
Ability to nominate a beneficiary/beneficiaries
Multiple convenient digital banking platforms such as SDB Mobile App, SMS Banking, Business Internet Banking, UPay and mCash

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PAS AVURUDU ACCOUNT
Category Indicative Rate (P.A)
Senior Citizens Up to 7.00%

Features
Your interest rates will be determined based on the monthly deposit amount. Higher interest rate will be offered for higher deposit amounts.
100% government guarantee on all your savings and interest earned thereon.

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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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Yasasa Pensioners'Savings Account
Category Indicative Rate (P.A)
Senior Citizens Up to 3.00%

Features
You will receive a higher interest rate.| A free Debit Card will be offered with year round attractive discounts.
You can get an advance of up to 75% of your monthly remitted pension. (Subject to a maximum limit of Rs. 50,000/-)
You can apply for a Pensioners’ Loan up to 3 Mn with a longer repayment period up to 10 years (The Pensioner needs to be below 74 years of age to be eligible for this facility).
A ComBank International Credit Card could be offered to you with joining fee and 1st year annual fee waived off.
You can open either a Statement Savings or a Pass Book Savings Account according to your choice
You can appoint a Nominee for your account.
Your interest will be calculated on a daily basis and credited monthly.
Your money is freely available for withdrawals or transfers. No prior notice is required. There is no minimum period for deposits.

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Sammana Savings
Category Indicative Rate (P.A)
Senior Citizens Up to 6.00%

Features
Pension advance for a maximum of Rs.60,000 (conditions apply)
Special personal loan facilities
Exempted from quarterly service charges
Customer statement / e-statement facility
SMS and internet banking
Specially designed VISA enabled international debit card
Islandwide ATM network for convenient cash withdrawals

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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 | Debit/ ATM cards
Gift at wedding | Scholarships for University Entrants
Free Ran Kekulu Account for the first baby
Internet and mobile Banking Facilities
Instant loan upto 90% of the account balance

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NDB Zee
Category Indicative Rate (P.A)
Teen / Youth Savings Up to 3.00%

Features
Ability to open the account online securely and hassle free from wherever you are without having to enter a branch through our VKYC verification process using AI technology.
Attractive, customized debit card | Ability to open the account with Rs. 2,500/- as the initial deposit
A special reward/gift on your 21st birthday * | A special reward of Rs. 25,000 on your wedding *
Access to Education loans | NDB Zee account holders who remit the salary for 6 months will be eligible for a salary advance repayable in 1 year.
Special discounts via Debit/Credit cards on Dialog/Daraz/Gym memberships

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Current Accounts
Category Indicative Rate (P.A)
Personal Current Account Contact Bank

Features
You can get a cheque book issued as per your requirement
Speedy collection of proceeds of cheques deposits
You can get Pay Order / Bankers Cheque issued from your account
You can avail overdraft facilities
You can issue cheques to effect the day-to-day payments
Handle your payments, remittances, funds transfers, standing orders
Online banking facility for operations in the account at any of HBL Sri Lanka Branches

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Sampath Pubudu - Sapiri
Category Indicative Rate (P.A)
Children Savings Up to 5.00%

Features
Sampath Sapiri pays a higher interest and is considered as the investment account for minors.
Sampath Pubudu account comprises numerous benefits to help teach your child the value of saving

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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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RDB Dorin Dora
Category Indicative Rate (P.A)
Special Savings Contact Bank

Features
It saves the inconvenience of having to come to the branch several times for banking transactions.
The Dorin Dora service is not only limited to collecting deposits, but has also helped the target clientele to obtain loans for development purposes, service the loan account and pay the installments and interest promptly at their convenience.
In addition, utility bill payments can be settled through this service.
This unique service has helped many small-scale entrepreneurs and individuals to build-up healthy account balances over periods of time without much effort and hassle.
In addition, these transactions are carried out via electronic portable hand held devices and the transaction is automatically updated to the Bank’s system.

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2in1 Account
Category Indicative Rate (P.A)
Other Current Account Contact Bank

Features
Any amount exceeding Rs.10,000/- in the current account will be transferred to your saving account to earn a productive return
Interest calculated on a daily basis and enjoy compound interests(added weekly)
Entitle yourself for “Mega Rewards” | Avail yourself for our debit card promotions.
Convenient Banking with –Island wide Branch Network , ATM network, Cash Deposit Machines & 365 day Banking
Easy – access Banking- Internet Banking/ SMS Alert/ Mobile Banking

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NSB Sthree
Category Indicative Rate (P.A)
Women's Saving 3.00%

Features
Every woman desires a comfortable life. National Savings Bank offers all women a chance to fulfill their dreams by offering “Sthree” – the savings plan designed exclusively for women
It is a savings scheme, which will lend you a hand to shoulder your responsibilities and to become the heiress to a better tomorrow.
A cash prize of Rs. 10,000/- as a wedding gift | Free “prarthana” certificate with a face value of Rs. 50,000/- for a baby.
ATM / MasterCard or Visa Debit / Shopping Card facility.| A cash prize of Rs. 1,500/- for the first graduation.| A cash prize of Rs.10,000/- for 25th wedding anniversary

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Personal Foreign Currency Account (PFCA)
Category Indicative Rate (P.A)
Resident Foreign Currency Accounts (RFC) 2.25% (USD)

Features
Any outward remittance.|Special interest rates for PFCA fixed deposits.
Instant Loan /overdraft facilities against foreign currency balance in PFCA accounts.
Credit Cards and other related benefits (Travel Insurance, Ultra Miles).|Debit Card and SMS Alertz service.
Fund transfers between PFCA, BFCA or offshore Banking accounts.
Existing NRFC/RFC/RNNFC/NRNNFC accounts re-designated to PFCA

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Regular Savings Accounts
Category Indicative Rate (P.A)
Regular Savings Contact Bank

Features
Attractive interest rate
Facility to operate the account online from any branch of HBL in Sri Lanka
You can transfer funds inter account
Facility of electronic funds transfer to other bank accounts

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

Features
Debit Card issued free of charge | Monthly Interest.
Credit Card facilities are available against the funds in the Accounts.
Inward Remittances credited to Accounts free of charge | Outward Remittances
Instant loans up to 90% of the FC A/C balances.
Internet banking, Mobile banking and Voice banking facilities
Ability to transfer funds within the Bank or different Banks.

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Nations Kidz
Category Indicative Rate (P.A)
Children Savings Contact Bank

Features
Receive gifts up to the age of 15 years based on the account balance
Attractive Passbook
Rewards for top Nations Kidz accountholders who excel in Grade 5 scholarship examination
Account statements via Ebox facility
Private Banking Junior* status for minimum account balance of Rs. 250,000
Inner Circle Junior* status for minimum account balance of Rs. 100,000

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Children's Savings Accounts
Category Indicative Rate (P.A)
Children Savings 6.61%

Features
Profits payable on a monthly basis | Higher profit sharing ratio
Passbook to monitor account growth | Annual promotions to receive exciting gifts*
Reward scheme for high flyers in Grade 5 Scholarship | Option of having a standing order facility
Special Foreign Currency Children’s Savings Accounts are also available

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