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

Features
Higher interest rates as your deposit value increases
A loan facility up to 90% of deposit balance at a special concessionary interest rate.| First Debit Card will be free of charge
Commercial Bank Digital Banking facility offered with no registration and first year annual fee. Second year onwards 50% concession on the annual fee
You have the option of choosing a Statement Savings or a Passbook Savings Account.
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.
You need to make a minimum deposit of Rs 50,000/- to open the account

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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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NSB PENSION +
Category Indicative Rate (P.A)
Senior Citizens Up to 5.44%

Features
NSB Pension + is a ground breaking solution for those who seek a tidy nest egg at retirement. An attractive return on investment.|
Eligibility to claim medical expenses up to a maximum of Rs one million on critical illnesses.
Now NSB Pension + is even better with the option to maintain the account in foreign currencies including GBP, EUR and USD.

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

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

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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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Senior Citizen Savings Accounts
Category Indicative Rate (P.A)
Senior Citizens 3.64%

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

Features
Higher interest rates for your savings.
Reduced interest rates for Educational, Vehicle, Micro Finance & Home Loans.
Free internet and mobile banking facility.
A Credit Card with no joining fee & first year annual fee free.
Free HNB Travel Card.
My Life Insurance policy at a special premium.
Special benefits offered through partner tie-ups

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

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

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Mithuru MAX
Category Indicative Rate (P.A)
Children Savings Up to 5.75%

Features
An Attractive gift scheme as the balance grows - Rs. 1,000/- Saving till, Rs. 2,000/- Pencil box, Rs. 5,000/- Lunch box & Water bottle (Hot & Cold).
An Attractive gift scheme as the balance grows - Rs. 10,000/- School bag, Rs. 25,000/- Kids scooter or Smart watch
An Attractive gift scheme as the balance grows - Rs. 50,000/- Remote controlled helicopter or bluetooth speaker, Rs. 100,000/- Wi-Fi drone or Bicycle
An Attractive gift scheme as the balance grows - Rs. 250,000/- Self-balancing scooter or Tab, Rs. 500,000/- Sony PlayStation (PS4) or Laptop
( The gifts will be issued until the minor reaches the age of 13 years )

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

Features
If your child does not have an existing account, the bank will deposit the initial Rs.250/- to open the account on behalf of your child.
Special cash awards for children that pass the grade 5 scholarship, G.C.E O/L and A/L examinations.
Ability to open an account at your Child school if a “Sisu Udana Savings Unit” is available.

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Uththamavi Investment
Category Indicative Rate (P.A)
Women's Saving 5.00%

Features
Higher interest rate compared to standard savings schemes, with the potential of increasing interest rates during the period of investment
The payment date of the monthly investment amount will be decided based on customer preference
Target amount and period of investment will be chosen by the customer
Target amount: minimum of Rs. 15,000 to maximum of Rs. 10 million | Period of investment: minimum of 1 year to maximum of 10 Years
Doorstep banking facilities for account holders with the opportunity to save small amounts on a daily basis, providing a hassle-free and time saving investment solution

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

Features
'Vibe Youth Fixed Deposits' with special high interest rates are offered for you when you convert the balances in your matured Isuru/ Arunalu Accounts (The tenor of the deposit should be for one year and interest paid at maturity).
e-Statement facility - Free of charge.| Mobile Banking facility - Free of charge.
Online Banking - Registration fee and first year annual fee waived off.| SMS alert facility - Registration fee waived off.
Debit Card - Either a personalized or an instant card can be obtained.
You will be eligible to apply for Loans to pursue your Higher Studies.| You can obtain Laptop and computer loans up to Rs.175,000/-.

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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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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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RDB Liya Saviya
Category Indicative Rate (P.A)
Women's Saving Contact Bank

Features
Bank provides consultancy services for women who contribute to the country’s economy through self-employment.
Bank is organising The Best Women Entrepreneur Islandwide Competition and RDB Liya saviya account holders are entitled to enroll in this competition.
Bank provides consultancy services for women who contribute to the country’s economy through self-employment.
national level workshops are conducted every year for women entrepreneurs, parallel to International Women’s Day.

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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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Ethera Vasana
Category Indicative Rate (P.A)
Special Savings Contact Bank

Features
Introductory deposit from the bank
Ability to open accounts with ease while being abroad via scanned documents
Open an account at any of our branches
Option of receiving E-statements instead of using a passbook

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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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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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Sampath EXPAT Account (SEA)
Category Indicative Rate (P.A)
Non-Resident Foreign Currency Accounts (NRFC) Refer 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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YES Accounts
Category Indicative Rate (P.A)
Teen / Youth Savings Up to 3.75%

Features
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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DFCC Xtreme Money Market Account
Category Indicative Rate (P.A)
Special Savings Up to 14.50%

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

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

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Udara Senior Citizens Account
Category Indicative Rate (P.A)
Senior Citizens Up to 13.50%

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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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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Salary Savings Accounts
Category Indicative Rate (P.A)
Salary Savings 2.73%

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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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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NSB NEO
Category Indicative Rate (P.A)
Teen / Youth Savings Up to 4.00%

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

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

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

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

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Savings Account
Category Indicative Rate (P.A)
Regular Savings 2.73%

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

Features
You can apply for Sri Lanka rupee or foreign currency loans & advances at concessional rates. This facility enables you to retain the foreign currency deposits intact.
Arrangements can be made for a member of your family or friend to operate this account on your behalf.
You will receive the option of appointing a nominee, to whom the funds in the account are to be paid, in the event of death of the account holder.
Standing orders are effected without any commission.
You can switch from one currency to another at competitive exchange rates.
Above all you will receive our personalized service.

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

Features
Pension advance facility for a maximum of Rs 30,000 (Conditions apply) | Special personal loan facilities
Special discounts for medical testing, hospital charges, purchase of spectacles / hearings aids and selected insurance covers
Exempted from quarterly service charges | Customer statement / e-statement facility avaialble
VISA Debit Card | Withdraw money from any ATM which carries the Visa logo
SMS and internet banking facility
Fixed Deposits – preferential rate of 0.5% p.a above prevailing deposit rates

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Singithi Lama - Newborn to 12 years
Category Indicative Rate (P.A)
Children Savings 4.00%

Features
Attractive Gifts
Cash rewards up to Rs. 10,000 for all who excel in the grade 05 scholarship examination (Diri Daru - Scholarship Scheme)
Free Standing Order Guarantee Insurance Cover
HNB Singithi Lama Account will be automatically converted to a HNB Teen Account on the child’s 12th birthday

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

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

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Blue Chip Money Market Savings
Category Indicative Rate (P.A)
Special Savings Up to 15.00%

Features
Sweep in sweep out facility between current account and Money Market savings account (applicable for accounts which do not have pre-approved Overdraft limits marked)
Customer statement / e-statement facility available as per the existing general banking process
No service charges will be applicable on the savings account however charges relating to current account operations will continue to apply ( Ex : cheque returns, OD fees will be charged to the account etc)

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“Sathkara” for Gov.Servants
Category Indicative Rate (P.A)
Senior Citizens 3.50%

Features
No initial deposit requirements
Higher interest rates for savings
Priority treatment at HNB Customer Centres when attending to banking needs
A free of charge combo debit card (inclusive of a Department of Pensions ID)
A 25% discount on the annual fees of credit cards
Special discounts from reputed institutions
Quick, hassle free personal loans ranging up to Rs.1.5 million
Maintain your account balance for a period of one year and be eligible for the following gift vouchers offered by HNB

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

Features
"Isuru Udana" gift voucher, and the child development and educational value gifts on offer.
Start with a minimum deposit of LKR 100
Child development & educational value gifts including gift vouchers. | Interest on daily balance.
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.
The Isuru Udana Savings Account will be automatically converted to a Sisu Udana Savings Account when your child reaches the age of 6 years.

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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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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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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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Reverse Planner
Category Indicative Rate (P.A)
Salary Savings 8.00%

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

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

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

Features
Specially designed personalized Cheque book. | BOC Online Banking facility. | SMS Banking facility via BOC Paymate.
Enhanced daily withdrawal limit of Rs. 100,000/- on VISA Electron Debit Card.
Credit Cards are issued without a joining fee with a minimum credit limit of Rs. 100,000/-
Air tickets can be purchased at BOC Travels (Pvt.) Ltd. at very special rates.
Housing Loans to build your dream home, Personal Loans for all your personal needs, leasing facilities to purchase vehicles etc. available to you at very attractive terms.

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

Features
DFCC Bank also rewards children who excel in the Grade 5 scholarship examination with cash benefits.
Each mark in excess of 150, would receive a reward of LKR 150 (LKR 5,000 or above to be deposited to the account during the promotional period).

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

Features
Deposit cash from our CDMs 24X365 | Enjoy the convenience of self banking, mobile, internet & voice banking services
Minimum charges (service charge and other relevant charges)
An internationally valid debit card is on offer to access your account
Priority in obtaining Loan Facilities

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

Features
Loan facilities for household items and building or purchasing a home.
Leasing facilities for procuring industrial machinery and vehicles.
Special offers for overseas travel from People's Travels (Pvt) Ltd.
Mobile banking, voice banking app & internet banking facility.
Visa debit card.

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

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Money Market Account
Category Indicative Rate (P.A)
Salary Savings Up to 12.00%

Features
Interest shall be calculated daily and credited monthly.
Monthly statements shall be issued.
Interest rate will be revised on every week.
No limits on withdrawals

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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
Now you can open a Nations Tax Planner account via Nations Mobile App

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

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

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

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

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

Features
Account can be opened jointly | ATM /Debit Card for around the clock withdrawals
The Trust and Assurance from the State bank | Internet Banking and SMS Banking facilities
Instant loan up to 90% of your account balance | Deposits can be made at over 600 Branches Island wide
24 hour Call Centre facility | 365 Days/24 Hr Banking at Head Office branch in an emergency.

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

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

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

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

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Ladies Savings Accounts
Category Indicative Rate (P.A)
Women's Saving 3.19%

Features
High Profit Sharing Ratio | Access to over 4000+ ATMs island wide
Exclusive Ladies’ branch at Head office and exclusive Ladies’ units at selected branches
Exclusive Debit Card with Online transaction facility and year around offers at selected merchants*
Mobile Banking and Internet Banking facility | SMS alerts for all transactions

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

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

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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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People's Relax Savings Planner
Category Indicative Rate (P.A)
Special Savings Refer Bank

Features
A steady monthly income and financial independence even after retirement.
You can redeem your retirement fund as a specific monthly income over a time period of your choice (Between 10 to 30 years) or as a lump sum along with the interest.

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FCY SAVINGS ACCOUNT
Category Indicative Rate (P.A)
Non-Resident Foreign Currency Accounts (NRFC) Contact Bank

Features
Multiple currencies to choose from (USD, GBP, EUR, AUD, JPY and SGD)
Attractive profit rates (click here for latest profit rates paid)
E-Statement and E-mail banking Facility
Remit money directly to account through Lanka Money Transfer (LMT) Services
Advance Payment Guarantees

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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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Savings Accounts
Category Indicative Rate (P.A)
Regular Savings Up to 5.00%

Features
All you need is an initial Deposit Rs.1,000/- | You receive a VISA Debit card
You can withdraw money from any ATM which carries the Visa logo | SMS Banking facility
Internet Banking Facility | You can opt for a Pass Book or Monthly Bank Statement
Option of nominating a person to be the beneficiary of the account
Standing Orders are convenient to set up
Interest will be calculated on the daily balance and credited monthly

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

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

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

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

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

Features
Offer 0.5% higher interest rate than the normal savings account
Special ATM/Debit card is issued to withdraw money from island-wide ATMs | This can also be utilized at POS machines as a debit/ shopping card.
Provide facilities only to check your balance Online| Smart Passbook

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

Features
Savings account with a tiered basis interest option
E-statement / Normal Statement account | Internet banking | Any number of withdrawals is permissible
SMS Alerts | 365 day banking at selected locations.

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

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

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PAS AVURUDU ACCOUNT
Category Indicative Rate (P.A)
Senior Citizens Up to 5.00%

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.