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
DFCC Investment Planner
Category Indicative Rate (P.A)
Special Savings Contact Bank

Features
The investments are available in both LKR and designated foreign currencies
Guaranteed high Return on Investment
Joint accounts are allowed
E- Statements on quarterly basis

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Money Market Account
Category Indicative Rate (P.A)
Salary Savings Up to 10.00%

Features
Receive higher interest rates on your savings.
Unlimited withdrawals
Interest calculated daily and credited monthly to the account
Debit Card Facility
Mobile Banking APP and Internet banking facility
E- Statement facility

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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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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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DFCC Aloka
Category Indicative Rate (P.A)
Women's Saving Up to 4.25%

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.
ATM withdrawals from over 3000 ATMs at DFCC and Lanka Pay.
Branded Credit Cards with issuance and 1st Year Annual fee waived off.

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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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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 Benefits:-
Cash withdrawals at any Union Bank ATM (See ATM Network)
SMS alerts | Utility bill payments at any Union Bank Branch
Online banking facility
Visa International Shopping Debit Card with global access and special offers / discounts

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DFCC Teen Account
Category Indicative Rate (P.A)
Teen / Youth Savings 3.50%

Features
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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Kidz Saver
Category Indicative Rate (P.A)
Children Savings 6.75%

Features
Attractive interest rates.
Rewards / vouchers at the time of opening the account and as the balance grows ( the option is available to get a cash deposit to the account for the equivalent value)
Automatic conversion of the Kidz Saver to a Savings Account soon after the child reaches 18 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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Savings Accounts
Category Indicative Rate (P.A)
Regular Savings 2.50%

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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Savings Account
Category Indicative Rate (P.A)
Regular Savings 3.53%

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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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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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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Savings Account
Category Indicative Rate (P.A)
Regular Savings Up to 4.50%

Features
Our secure and fast cheque processing service lets you perform all your payments on time.
Access your account over 4000 ATMs via LankaPay Network.
Lets you do all your banking from home or office. Receive daily, weekly or monthly statements.
Link your other current/savings accounts at MCB and manage transfers of funds effectively and conveniently.

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

Features
Personal Loans, Home Loans and Leasing facilities will be offered to you at 0.25% less than standard interest rates.
You will receive a cheque book.
Your account will be credited on the same day when Commercial Bank cheques are deposited to your account.
You will receive a Debit Card free of charge.
A Credit Card will be offered to you with no joining and 1st year annual fee.

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

Features
Emigrants can obtain migration allowance
Sales proceeds of local assets can be deposited
Payments can be made in Sri Lanka
NRRA, NRBA and MBA accounts have been re-designated as Capital Transaction Rupee Accounts (CTRAs).

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

Features
Attractive interest rates for account balances of Rs.5,000/- & above (See Interest Rates)
Free Personal accident insurance cover upto Rs.200,000/- (Terms & Conditions apply)
Free Cash withdrawals at any Union Bank ATM (See ATM Network)
Free SMS alerts | Free Utility bill payments at branches
Housing & Personal loans at attractive interest rates (Terms & Conditions apply)
Visa International Shopping Debit Card with global access and special offers / discounts
Online banking facility

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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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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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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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Investment Savings Account (ISA)
Category Indicative Rate (P.A)
Regular Savings 4.00%

Features
Bonus interest at the end of the period
Enables you to have a lump sum of money by the end of the period
01. Enables you to save a fixed sum every month for a period up to 10 years (the customer can select the desired investment time period)
Priority when obtaining loan facilities for housing, consumption, and businesses.
Higher interest rate than the normal interest.
Bonus interest at the end of the period.

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

Features
Minimum savings period is 03 years - At the end of three years, customers can withdraw their deposits with the accumulated interest.
Accounts can be opened with Rs.1,000/-at any branch of the HDFC Bank
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.

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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.
A Debit Card will be offered free of charge.
You can apply for a ComBank Credit Card depending on your needs and income. Credit Card is offered with no joining and first year annual fee.
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.

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

Features
Value Propositions for Pan Asia Bank Savings Account | Start with deposits as small as Rs.1,000/-
VISA enabled international debit card
Withdraw cash from any ATM island wide
SMS alerts for your transactions
Internet banking | A passbook or online bank statement
Nominate an account beneficiary
Standing Order facility
Interest is calculated on a daily balance and credited monthly

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

Features
An account that gives you maximum benefits:
A life cover of Rs. 100,000 and a critical illness cover of Rs. 25,000
Overdraft facility
Internet banking, and mobile banking facility
Nations Shopping Debit Card

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Senior Citizens Scheme
Category Indicative Rate (P.A)
Senior Citizens 3.50%

Features
Higher interest rates on savings and fixed deposits
No service charges on current accounts | Priority service
Free HNB International Debit Card
Internet/Mobile Banking Free (01st Year)
Gift Vouchers up to Rs. 10,000/-for Savings Accounts maintained for a period of one year
Reimbursement of Hospitalization expenses upto Rs. 70,000/- for Fixed Deposits above Rs. 500,000/-

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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.

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Sampath FC Prime
Category Indicative Rate (P.A)
Resident Foreign Currency Accounts (RFC) Up to 3.99%

Features
Initially accounts will only be offered in USD
Higher interest rate than conventional rates offered on foreign currency savings accounts
Bonus interest for the average balance maintained in your account on base interest

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

Features
Personal Loans, Home Loans and Leasing facilities will be offered to you at special interest rates.
You can enjoy a higher interest rate than a regular savings account.
Year round discounts and special offers for your Vibe international Debit Card.
You can earn a special higher interest rate for 'Youth Fixed Deposits'.
A Credit Card will be offered to you with no joining and 1st year annual fee.

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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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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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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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Target Investment Plan (Teens)
Category Indicative Rate (P.A)
Children Savings Up to 12.50%

Features
Maximum flexibility and transparency – customers can select an investment plan that yields the desired amount at maturity to fulfil the child’s requirement.
Start your child’s investment plan with a monthly investment as low as Rs. 500.
Flexibility to select a suitable investment plan from 1, 2, 3, 4 and 5 years.
Attractive and guaranteed interest rate throughout the investment period.

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SDB Lakdaru
Category Indicative Rate (P.A)
Children Savings 4.50%

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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Accelerate Savings Account
Category Indicative Rate (P.A)
Special Savings Up to 2.50%

Features
Accelerate your progress in life through a range of special loans, free rewards and exclusive merchant offers for your branded debit card and many more from Seylan Accelerate saving account.

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

Features
18+ Youth Savings Account is a comprehensive savings package designed specifically for youth
Can open at any Bank of Ceylon branch by a Sri Lankan citizen between 18 and 25 years of age
Benefits of the account can be enjoyed up to the age of 35 years
Existing Ran Kekulu and 14+ accounts will automatically be converted to 18+ Youth Savings Accounts at the age of 18 years

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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*
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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Senior Citizen’s Savings
Category Indicative Rate (P.A)
Senior Citizens 6.00%

Features
Having 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.

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

Features
Accessibility of your account from any branch in the country.
No commissions charged on local cheques.
Ultimate versatility in paying bills.

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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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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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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 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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Senior Citizen Savings Accounts
Category Indicative Rate (P.A)
Senior Citizens 4.71%

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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DFCC Xtreme Money Market Account
Category Indicative Rate (P.A)
Special Savings Up to 9.00%

Features
Initial deposit – LKR 5,000 / USD 15,000 or equivalent in respective foreign currency.
Interest will be calculated daily based on the day end balances and credited monthly.
DFCC Xtreme Money Market Accounts in foreign currency for individuals should be opened under Personal Foreign Currency Accounts (PFCA) and for entities should be opened under Business Foreign Currency Accounts (BFCA).
Attractive interest rates as the product is linked to;
LKR : Rate linked to Average Weighted Call Money rate and re-priced on a weekly basis
USD : Rate linked to 3 Months LIBOR and re-priced on a monthly basis

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

Features
Cash awards & Educational value gifts for the child
2% Bonus interest over normal savings accounts
Free Scholarship Seminars (Sinhala/Tamil)
For all new accounts, the bank will contribute the initial deposit of Rs.250/- to open the account
Special cash awards for children that excel at the grade 5 scholarship, G.C.E O/L and A/L examinations
Ability to open the account at school Sisu Udana Savings Units

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DFCC Garusaru
Category Indicative Rate (P.A)
Senior Citizens Up to 4.50%

Features
Senior citizens have been devoting their lives to the service of the community. DFCC Garusaru aims to provide our senior citizens with the benefits that they need.
Initial deposit– LKR 1,000
Vouchers, discounts and loyalty points from various institutions including health care

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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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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.

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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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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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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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Vanitha Vasana
Category Indicative Rate (P.A)
Women's Saving Up to 3.75%

Features
Attractive rate of interest
Loan facilities for different needs and situations | Credit card facility
A credit card facility depending on your income/account balance
Special discount for ticketing from People's Travels (Pvt) Ltd.
Isuru Udana Savings Account with Rs.100/- as a special gift, during the birth of a child.
Vanitha Vasana money planner offers a higher interest rate | Mobile banking, voice banking app & internet banking facility.
Vanitha Vasana branded debit card offers discounts from popular merchants throughout the year

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Diri Daru - Scholarship Scheme
Category Indicative Rate (P.A)
Children Savings Contact Bank

Features
Singithi Account holders passing grade 5 scholarship examination obtaining the cut off marks will be eligible to receive a cash reward of Rs.10,000.
Top 100 applicants will receive a cash reward of Rs.25,000 when they excel well in GCE O/L and London O/L examination. (90 rewards for GCE O/L and 10 Rewards for London O/L)
Top 50 applicants will receive a cash reward of Rs.25,000 when they excel well in GCE A/L and London A/L examination. (45 rewards for GCE A/L and 5 Rewards for London A/L)

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Kantha Ran Ginum
Category Indicative Rate (P.A)
Women's Saving 3.00%

Features
Higher Interest rate above normal savings interest rate
Free Life Insurance Cover
Debit card :- Internationally acceptable debit card | E-commerce active | BOC Credit Card without joining fee*
Low-interest loans*
Instant loans up to 90% of the account balance
Leasing at reduced interest rate (0.5% concession)*
Ran Surekum Pawning facility at reduced interest rate (0.5% concession)

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HNB TEEN +
Category Indicative Rate (P.A)
Teen / Youth Savings Contact Bank

Features
Minimum initial deposit of Rs. 1,000 / High interest rate on Savings
Branded HNB TEEN+ Tap & Go Debit Card / Debit card personalization on request
Free Digital Banking facility / POS, Online & IPG payments
Special seasonal discounts and offers on debit card transactions
ATM cash withdrawals / SMS alerts for transactions / e-Statement facility

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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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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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Super Saver Account
Category Indicative Rate (P.A)
Special Savings Up to 3.50%

Features
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.
You can also make payments for goods and services using your Debit card, to any merchant with a POS machine connected to Visa, Mastercard, UnionPay & JCB network
You have the option of requesting either a personalised or instant Debit Card free of charge with higher withdrawal or transaction limits.

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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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DFCC Savings Goals
Category Indicative Rate (P.A)
Special Savings 7.00%

Features
You can easily add and edit details of your goals at any time
Instalments can be set up daily, weekly, or monthly
Close and withdraw funds from your goal at any time
Minimum Goal of Rs. 10,000
Maximum Goal of Rs. 10,000,000
Goal period of 30 Days to 24 Months

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NSB NEO
Category Indicative Rate (P.A)
Teen / Youth Savings Up to 3.25%

Features
Can be opened with an initial deposit of Rs. 1000/-
Special premium interest for those who exclusively bank online and through CDM
Online payment enabled debit card.
Attractive gift schemes
Free Online banking facility / Free SMS alert service

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Reverse Planner
Category Indicative Rate (P.A)
Salary Savings 9.00%

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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Inward Investment Account (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.
Can be opened individually, jointly or under business.
No exchange risk if placed in foreign currency.
Reconversion of Sri Lankan Rupee investments to any designated foreign currencies.
View details via Internet and Mobile banking.

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BOC – SmartGen Account
Category Indicative Rate (P.A)
Special Savings Up to 3.50%

Features
A passbook-free account
Free BOC Smart Online Banking/ Bapp access instantly
Instant SMS alerts on transactions
Monthly e-statements
Customer photograph and the signature will be captured digitally
Instant account opening
An activated Debit card is given at the time of account opening

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

Features
Ability to open joint account
ATM/Debit Card
BOC Smart Online Banking facility & BApp
Instant loans up to a maximum of 90% of your account balance
SMS alerts
24x7 banking at the Head Office branch

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DFCC Junior Account
Category Indicative Rate (P.A)
Children Savings Up to 5.00%

Features
Wide variety of DFCC Junior gifts
Gift vouchers from reputed merchants for consumables
Gift vouchers from reputed merchants for consumables
Value Credit Scheme
DFCC Junior Rewards Scheme up to LKR 100,000:-
Grade 5 Scholarship Reward Scheme / O/L Examination Reward Scheme / 18th Birthday Reward Scheme

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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

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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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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 releasing examination results.

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Manavee
Category Indicative Rate (P.A)
Women's Saving 3.50%

Features
A loan can be obtained to start or develop self-employment projects under concessionary rate.
Fixed deposits – offer special interest rate than normal rate
Pawning – offer special interest rate than normal rate
Leasing/HP facilities – offer special interest rate than normal rate.

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Singithi Kirikatiyo - below 5 years
Category Indicative Rate (P.A)
Children Savings 6.00%

Features
High interest rate
Gifts on your child's birthday
A free deposit of Rs.1,000 at the time of opening the account
The Singithi Kirikatiyo Account is specially designed for children under the age of five years and is the best gift you can give your precious new born.

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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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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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Personal Foreign Currency Accounts (PFCA
Category Indicative Rate (P.A)
Non-Resident Foreign Currency Accounts (NRFC) Contact Bank

Features
Special interest rates for PFCA fixed deposits
Pay and receive foreign currencies as per the CBSL regulations cited below
Instant Loan/Overdraft facilities against foreign currency balance in PFCA accounts (for residents of Sri Lanka)
Fund Transfers between Personal Foreign Currency Accounts (PFCA), Business Foreign Currency Account (BFCA) or offshore banking accounts.
The details of this product are in accordance to regulations published by the Central Bank of Sri Lanka (CBSL). Thus, the details may change from time to time according to changes in regulations.

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

Features
IIA is an account that could be opened by Non Residents, resident /non resident foreign nationals in designated foreign currencies or in Sri Lankan Rupees for the purpose of investing in permitted investments in Sri Lanka.
Types of IIAs that could be opened : - Savings Accounts , Current Accounts without the cheque book facility , Fixed Deposits
Accounts could be maintained in Sri Lankan Rupees of any designated foreign currency

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