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
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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Isuru Minors' Savings Plan
Category Indicative Rate (P.A)
Children Savings 7.50%

Features
Isuru Minors’ Savings Plan is the ideal Investment plan for your child which is easy and a convenient way to save regularly for your child's future
Your child will receive a guaranteed amount up to Rs 6.5Mn upon he/she reaching 18 years of age
Your child will receive an entitlement certificate which assures that he/she will receive the guaranteed amount as he/she reaches 18 years of age, despite any interest rate fluctuations.

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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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Personal Foreign Currency Account (PFCA)
Category Indicative Rate (P.A)
Non-Resident Foreign Currency Accounts (NRFC) 2.00%

Features
Type of Accounts : Foreign currency savings and fixed deposits
Range of currencies : A choice of designated currencies in which you can maintain your account : USD, EUR, JPY, SGD, CAD, HKD, GBP, CHF, AUD, DKK, SEK, NZD,NOK,CNY
Save and earn more benefits : Entitle yourself for benefit schemes by maintaining a balance of USD 500.00 or equivalent in addition to interest income.
Account access :You can view your account balance and statements by obtaining our Seylan Bank Internet banking facility at your own convenience.
Easy Payment and transfers: Pay bills and transfer funds to accounts within Seylan bank or to other Sri Lankan bank accounts in rupees or foreign currencies.
Loan Facility : Up to 90%* Rupee or FCY loans against your PFCA deposits (condition applies).

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

Features
Type of accounts - Personal and Joint Accounts
Entitle yourself - for "Mega Reward" scheme by maintaining a minimum balance of LKR 20,000/-
24/7 access- you can access your account anytime, anywhere with our "Internet Banking" / "SMS Banking" / "Mobile Banking"
Cheque Book Facility
Convenient Banking with ? Island wide Branch Network & "ATM network"& 365 day Banking
Free Monthly Statement Facility
Visa Debit Card- A secured and quick method of buying goods and services.
Make bulk payment easy with Seylan Payroll
Register for E-Statement- view your statement on the go even on your Smart phone

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NDB Aachara
Category Indicative Rate (P.A)
Senior Citizens Up to 4.00%

Features
Open an Aachara savings Account with a minimum deposit of LKR 200
Open an Aachara Current Account with minimum deposit of LKR 5,000
Higher interest rates for Aachara senior citizens' Fixed deposits
Receive a personalised Cheque Book for Current accounts
Branded Aachara Visa Debit Card
Access your account via Online Banking and Mobile Banking App

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HDFC Vishrama Rekawarana
Category Indicative Rate (P.A)
Senior Citizens 7.72%

Features
The most important feature is that even a small investment like Rs.100/- would benefit the investor with the highest interest return.
HDFC Vishrama Rekawarana would be in a position to offer Housing loans to its investors, after a 10 – 15 year period of accumulation of funds.
Ability to take 70% of the prevailing balance as an instant loan.
Minimum Initial Investment can begin with Rs: 1,000/- with flexible amounts of investments added thereafter. Subsequent investments after the initial deposit could be even as small as Rs: 1/- or even 50 cents. Please visit the nearest HDFC Bank branch.

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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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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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Outward Investments Account
Category Indicative Rate (P.A)
Resident Foreign Currency Accounts (RFC) Contact 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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Regular Savings
Category Indicative Rate (P.A)
Regular Savings 2.50%

Features
Low minimum opening deposit of Rs.2,000
Visa International Debit Card
Immediate loan facilities of up to 90% of the balance
Access to over 780 self-service machines and 252 customer centres
Internet and Mobile Banking access
Track your account transactions using monthly e-statements or passbook

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

Features
ATM cum Debit Card (Visa) | Standing Order Facility
Free SMS Alerts | The freedom to enjoy unlimited withdrawals per month
A Passbook to monitor the progress of your savings | ATM cum Debit Card (Visa)
Standing Order Facility | Free SMS Alerts | Internet Banking facility
The freedom to enjoy unlimited withdrawals per month
A Passbook to monitor the progress of your savings
Mobile Banking facility to access your account from anywhere, anytime
Interest is calculated daily and credited to your account monthly
E- statement facilities directed to your preferred email address at preferred periodicity
Nomination facility at free of charge

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Salary Savings Accounts
Category Indicative Rate (P.A)
Salary Savings 2.75%

Features
No minimum balance requirement and No initial deposit | Internet and Mobile Banking Facility
Free initial VISA Debit card* | Eligibility for Easy Payment Plan*
SMS alerts on Salary remittances, day end balance, deposits/ withdrawals etc
Free of charge ATM withdrawal at Amãna Bank ATMs and discounted charges from Commercial Bank ATMs*
50% waive off on bank charges for foreign currency draft issuance
Financing up to 7 years and special rentals for Vehicle Finance*
Financing up to 15 years and special pricing on Home Finance*
Repayment up to 8 years for Solar Finance*
E-statements | Special Pricing on Education Finance*

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Isuru Udana
Category Indicative Rate (P.A)
Children Savings Up to 4.25%

Features
An Isuru Udana savings account can be opened by a parent or guardian.
1% bonus interest over normal savings accounts
The unique feature of this account is the Isuru Udana gift voucher
A range of educational gifts to support child development
Gift vouchers to open the account or to be deposited into existing accounts
The Bank will deposit the first Rs.100/- to open the account for children from birth up to the age of attending preschool. For children who are already attending preschool, the Bank will deposit Rs.250/- to open the account.

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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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14 plus
Category Indicative Rate (P.A)
Teen / Youth Savings Contact Bank

Features
RDB 14+ Account, recently introduced by RDB Bank to make the young community bese towards savings habit can be named as a special savings tool.
RDB 14+ is operated with value additions that could attract the teens of 14 and above.
A higher interest rate with the addition of 30% bonus interest compared to the growth of the balance in the Account is offered by RDB 14+ Account.
Loan facilities may be obtained by the young community to fulfill their dreams of owning a house, vehicle, furniture, business, buying electronic equipment and accessories, for educational needs, for foreign tours and that can be arranged through this account.
Account holders are entitled to special benefits at the time of demise of the mother or father or at the time of any sickness of the children.

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Ran Kekulu Smart
Category Indicative Rate (P.A)
Children Savings 4.50%

Features
Higher interest rate than the normal savings accounts
Medical Insurance cover for the account holder*
Life insurance cover for the account opening parent/guardian*
Scholarships for grade 5 scholarships winners
Specially designed Electronic Card
Smart Passbook facility to view account balances and transactions
Free SMS Alert Facility

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

Features
An ATM cum Shopping Debit Card free of charge
Online Banking facility free of joining fee and annual fee for the first year
Commercial Bank Credit Cards with the joining fee and the first year annual fee waived off
Access your account 24 hours x 7 days a week from any part of the country or even from overseas

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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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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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YES Accounts
Category Indicative Rate (P.A)
Teen / Youth Savings Up to 3.75%

Features
3.5% interest rates for balance up to Rs.100,000
Access to a host of Digital Banking services
A Credit Card at a concessionary fee - subject to existing card policy
Loan Facilities for : Higher education/ Business / Housing / Vehicles/ Weddings/ Purchase of equipment, computers and consumer durables.
Leasing facilities through People's Leasing Company.
Credit card at a concessionary fee - subject to existing card policy.
Mobile banking, voice banking & internet banking facility.

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

Features
The currency in which the account maintained can be converted to any other designated currency at the discretion of the account holder.
No exchange risk if placed in foreign currency.
Re-conversion of Rupees to any designated foreign currencies.
Securities Investment Accounts (SIAs) and Special Foreign Investment Deposit Accounts (SFIDAs) have been re-designated as IIA.

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14+ Teenagers Savings Account
Category Indicative Rate (P.A)
Teen / Youth Savings 4.00%

Features
Higher interest rate than the normal savings account
Debit Card facilities
Online Banking facilities & B app
Smart Passbook
Account will automatically be transferred to 18+ category

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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 Top Saver
Category Indicative Rate (P.A)
Special Savings Up to 6.00%

Features
Highest interest rate for savings
Unlimited withdrawals
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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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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Seylan Seylfie Youth Savings Account
Category Indicative Rate (P.A)
Teen / Youth Savings 3.00%

Features
E-statements for your transactions.
SMS Alert on transactions.
100% Rupee Interest or up to 75% Rupee and Digital interest
Loan products with reduces interest rates
Seylfie Current Account
Chipped based branded debit card.
Special Credit card - who earn an income over LKR 15,000/-
High interest on your savings
Free access to Seylan Social Banking and internet banking.

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

Features
First cheque book issued free of charge
Free Visa Debit/Shopper card
50% waiver on annual fees, registration fees for Master and Visa credit cards
50% reduction on commission for the issue of drafts and execution of standing orders
50% reduction on documentation fee for loan facilities of Rs. 1.0 Mn and above
50% reduction on rental charged (1st year only) for safety lockers
Singithi Kirikatiyo minor savings accounts for your children (up to three months of age) with a bank contribution of Rs. 1,000/-
Free life insurance cover under the Lifeline Insurance scheme

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Savings Planner
Category Indicative Rate (P.A)
Salary Savings Up to 12.00%

Features
Savings plans ranging from LKR 250,000 up to LKR 10 Million.
Option to select a savings period of 1-10 years.
Ability to start a plan with a large deposit and continue the savings planner (in multiples of LKR100,000) and make a lesser monthly commitment
Watch your investment grow via NDB e-statement and Mobile Banking App

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Sarani
Category Indicative Rate (P.A)
Children Savings 5.25%

Features
Stability and being a state owned bank / Highest interest rates.
Most flexible customer service / Attractive gift scheme
Rewards on educational achievements
A minor savings account holder may be eligible for loan facilities once he/she becomes a major, at the interest rate of 1% lesser than the prevailing rate of the particular product (Conditions apply)
A special donation will be granted from the bank to the account holder, if the child suffers any illnesses as listed in the product (Conditions apply)

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Senior Citizen Savings Accounts
Category Indicative Rate (P.A)
Senior Citizens 3.66%

Features
Higher Profit Sharing Ratio | Priority services at branches
Free ATM/VISA debit card
Access to higher Profit Sharing Ratio on 12 months Term Investments (monthly profits)

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SDB Uththamavi
Category Indicative Rate (P.A)
Women's Saving Up to 4.50%

Features
Multiple convenient digital banking platforms such as SDB Mobile App, SMS Banking, Business Internet Banking, UPay and mCash
A special interest rate of up to 6% per annum
An 1% concessionary rate for pawning
A SDB Dayada Children’s Investment Certificate on the birth of a child OR a voucher worth Rs. 4,000/= to purchase clothing / footwear or training / instruments for account holders who maintain an account balance of Rs 100,000/- for 24 months
Capacity building and financial literacy programs for account holders
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.

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

Features
Personalized Cheque Book, Instant Updates on your Mobile
Secure and Fast Cheque Processing, Virtual Banking Service
Auto Sweep Facility, ATM access

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Sendewa
Category Indicative Rate (P.A)
Senior Citizens 3.75%

Features
Elders of our society is special for us and we need give our hands to go their way without fall.
he bank launches an special Savings Account for senior citizens with a preferred rate of interest call “Sandawa”.
Preferential interest rate calculated on the daily minimum balance and credited monthly.

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RDB Kekulu
Category Indicative Rate (P.A)
Children Savings Contact Bank

Features
The highest returns on savings is provided to encourage schoolchildren and minors to save. Moreover, RDB established school savings units to motivate children to practice saving.
The account is designed to achieve additional objectives
i.e., assisting children’s education as well as helping them to become good citizens. RDB offers a new savings till for every new account as an attraction.
Furthermore, educational seminars are arranged for the account holders who sit for the above examination.

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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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Target Investment Plan
Category Indicative Rate (P.A)
Special Savings Up to 11.25%

Features
Guaranteed Interest Rates / Returns; The higher interest rate agreed upon at the beginning of the plan will remain throughout the investment period.
Maximum flexibility and transparency; Customers can select an investment plan that yields the desired amount at maturity
You have the option to select from 1, 2, 3, 4 and 5 year investment periods
Start your investment plan with an investment as low as Rs.500

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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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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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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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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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SET FOR LIFE
Category Indicative Rate (P.A)
Teen / Youth Savings 7.72%

Features
With investments, the earlier you start the more you earn and the better you become in creating wealth. SET FOR LIFE helps you not only to become a master at investing, but it gives you a whole host of benefits.
SET FOR LIFE yields’ above the market’ interest earnings greater than Treasury Bill and monthly Fixed Deposit rates prevalent in the market.
Greater Flexibility | In the event of the demise of the original investor, the nominee is entitled to the accumulated amount.
A loan can be obtained of up to 70% of the accumulated amount instantly.
SET FOR LIFE will provide a life cover of Rs.500,000/- one year from the date on which the account balance reaches Rs.250,000/- or more.
It entails the full protection of a state bank.

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Capital Savings
Category Indicative Rate (P.A)
Special Savings Up to 7.50%

Features
Higher interest rates based on the account balances
Free Internet banking for the first year
Free mobile banking for one year
Free HNB Visa International Debit Card
Immediate loan facilities of up to 90% of your account balance

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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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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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Achiever Salary Account
Category Indicative Rate (P.A)
Salary Savings Contact Bank

Features
You will be offered with a ComBank Debit Card free of charge
Personal Loans, Home Loans and Leasing facilities will be offered to you at concessionary interest rates
You can get a salary advance facility up to 75% of the monthly salary (maximum of Rs.300,000/-)
A Credit Card will be issued without joining fee and 1st year annual fee.| Only Statement accounts are allowed.
ComBank Digital - Registration fee and first year annual fee waived off.| Mobile Banking facility - Free of charge.
Debit Card - Personalized or instant card.| SMS alert facility - Registration fee waived off.
e-Passbook facility - Free of charge.| e-Statement facility - Free of charge.
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.

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Harasara Savings
Category Indicative Rate (P.A)
Senior Citizens Up to 2.50%

Features
Branded International Harasara Debit Card with wide range of offers. | Enjoy Seylan Mega Rewards Benefits.
You can choose from a passbook / statement / e-statement for your convenience.
For Pensioners; Pension Loan upto LKR 5.00Mio.
Assign your pension to Seylan Bank and enjoy “Utility Bill Payment” upto LKR 5,000.00 on an one-off basis for only one bill.
Enjoy Banking from home with Seylan Internet Banking/ SMS Alert/ Mobile Banking.

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Nations Tax Planner - Current Account
Category Indicative Rate (P.A)
Personal Current Account Contact Bank

Features
Draw cheques to pay taxes without any additional transaction charges
Online and Mobile banking facilities
Option to link the Nations Shopping Debit Card to the account

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

Features
Open a Personal Current Account with an initial deposit of LKR 15,000/-
Receive a personalised Cheque Book
Request for Visa Debit Card
Access your account via Online Banking
Mobile Banking Facility

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Personal Foreign Currency Account - (PFC
Category Indicative Rate (P.A)
Personal Current Account Contact Bank

Features
​may be opened and maintained as Current (without cheque drawing facility), Savings or Term Deposit accounts in any designated foreign currency.
Out of such accounts, Personal Foreign Currency Accounts, maintained by individuals may be held as sole or joint accounts with another eligible person.

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SDB Jawaya
Category Indicative Rate (P.A)
Teen / Youth Savings Up to 4.50%

Features
Multiple convenient digital banking platforms such as SDB Mobile App, SMS Banking, Business Internet Banking, UPay and mCash
A special interest rate of up to 6% per annum
A SDB Dayada Children’s Investment Certificate on the birth of a child OR a voucher worth Rs. 4,000/= to purchase clothing / footwear or training / instruments for account holders who maintain an account balance of Rs 100,000/- for 24 months
Low interest loans for small and medium scale entrepreneurs
Capacity building, self-employment and skills development training for entrepreneurs
Special personal loans for account holders with confirmed employment (permanent employee cadre) in either the Government or private sector
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.

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Personal Foreign Currency Accounts
Category Indicative Rate (P.A)
Resident Foreign Currency Accounts (RFC) 1.25%

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 such as Travel Insurance and Ultra Miles(conditions apply).

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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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Nations Tax Planner - Savings Account
Category Indicative Rate (P.A)
Special Savings 2.50%

Features
Earn interest on your Savings Account while setting aside money to pay taxes
50% fee waiver on Pay Orders issued to the Inland Revenue Department
Online and Mobile banking facilities
Instant Savings Account opening through online banking platform for existing Nations Trust Bank account holders
Option to link the Nations Shopping Debit Card to the account

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MUTHUSINA
Category Indicative Rate (P.A)
Children Savings 5.25%

Features
Attractive interest rate / Stability and being a state owned bank
Attractive gift scheme / Rewards on educational achievements
A minor savings account holder may be eligible for loan facilities once he/she becomes a major, at the interest rate that is 1% lower than the prevailing rate of the particular product (Conditions apply)
A special donation will be granted from the Bank to the account holder, if the child suffers any illnesses as listed in the product (Conditions apply)

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Arunalu Children's Savings Account
Category Indicative Rate (P.A)
Children Savings 4.00%

Features
A higher interest rate will be offered for your child than the rate offered for Regular Savings Accounts
Account holders will receive special cash prizes if they score 1st, 2nd and 3rd highest aggregate marks in the school at Year 5 Scholarship Examination.
Cash prizes of Rs 10,000/-, Rs 7,500/-and Rs 5,000/-will be awarded to the Arunalu Account Holders who have gained the 1st, 2nd and the 3rd highest marks in each school at the Year 5 Scholarship Examination.
Minimum balance of Rs. 5,000/- should be maintained in the Arunalu Account prior to the date of the Examination.

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Normal Savings
Category Indicative Rate (P.A)
Regular Savings 3.50%

Features
Special customer oriented savings account for the customers who are unable to visit the bank-
due to the hectic nature of their business lives.
Being a customer for a considerable period of time Sri Lanka Savings Bank-
allows them to apply for a quick micro finance loan.

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Reverse Planner
Category Indicative Rate (P.A)
Salary Savings 12.00%

Features
Ability to deposit a lump sum amount to the Reverse Planner Account
Decide the monthly income at the opening of the Reverse Planner Account and receive a pre deretemined monthly amount automatically
Guaranteed Interest Rate
Option to select a period of 05 - 20 years

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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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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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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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Anagi Women's Savings Account
Category Indicative Rate (P.A)
Women's Saving 2.75%

Features
You can earn a higher interest rate than the rate offered for Regular Savings Accounts.
You will be offered with ‘Anagi’ branded "Members Only" passbook.
An attractive 'Anagi' Debit Card with year-round discounts, will be offered to you.
Your interest will be calculated on a daily basis and credited monthly.

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Sampath Sanhinda Saver Account
Category Indicative Rate (P.A)
Special Savings Up to 4.00%

Features
Earn a higher rate of interest.
Interest paid twice a month.
Earn additional interest for foreign currency savings (For USD).
Free medical benefits based on your annual average balance from 1st July till 30th June (12 months period).

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

Features
1%p.a. additional interest rate if account balance exceeds LKR 50,000/-
Personal Loan upto 12 times your total Income*
Housing Loan*
Credit Card*
Free Internet Banking/ Mobile Banking for the 1st Year
Free Visa Multi Currency Travel card with travel insurance*
Seylan Mega Reward*

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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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SDB Lakdaru
Category Indicative Rate (P.A)
Children Savings 5.00%

Features
An additional 2% interest rate over the standard 3% interest rate for SDB savings accounts
Hospitalization cover of up to Rs. 50,000/= valid for 01 year, for account holders who maintain a minimum account balance of Rs 15,000/-
Private Hospitalization – Rs.5,000/= per day up to 10 days (maximum Rs.50,000/=)
Government Hospitalization – Rs.3,500 /= per day up to 20 days (maximum Rs.50,000/=)
An attractive rewards scheme for children who excel at the Grade 5 Scholarship, GCE (O/L) and GCE (A/L) Examinations
An attractive gift scheme based on savings balance as follows

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Salary Select
Category Indicative Rate (P.A)
Salary Savings Up to 3.75%

Features
Attractive interest rates for account balances of Rs.5,000/- & above
Special interest for balances over the slabs of Rs.50,000/- and Rs.250,000/-
Free Personal accident insurance cover upto Rs.200,000/-
Free Cash withdrawals at any Union Bank ATM, SMS alerts and Utility bill payments at branches
Housing & Personal loans at attractive interest rates
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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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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Ran Ulpatha
Category Indicative Rate (P.A)
Special Savings 3.00%

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

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