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
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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HNB Adhishtana
Category Indicative Rate (P.A)
Special Savings 2.25%

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

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

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Bluechip Money Market Savings
Category Indicative Rate (P.A)
Special Savings Up to 7.00%

Features
Sweep-in-sweep-out facility between BlueChip Money Market Savings Account and current account (applicable for accounts which are not marked with pre-approved overdraft limits)
Bank statements and e-statements available
No service charges

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

Features
Guaranteed Sum : Make a one-time single deposit and your child will receive an Entitlement Certificate ensuring the guaranteed amount when they reach 18 years of age, regardless of interest rate fluctuations.
Maturity Certificate : A Maturity Certificate will be issued at account opening, providing documentation of the guaranteed value your child will receive.
Flexible Deposit Options : Choose the deposit amount based on your preferences and financial capabilities. The guaranteed amount depends on deposit value, period, and age of child.

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

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

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

Features
Branded Chequebook | Priority Service | Free Internet Banking (Annual Fee waived off)
Free Digital Banking App (Annual Fee waived off) | Free HNB Alerts (Includes alerts on cheque related transactions)
Special rates on SME Loans and Leases | Special rates on Home Loans
Special rates on Personal Loans | Special rates on Personal Leases
Discounts on documentation charges for selected Loan Facilities
Set-up fee waived off for Standing Orders favouring HNB Accounts

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

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

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

Features
Attractive rate of interest
Loans for building or purchasing your own home and household items
Access to a host of Digital Banking services
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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NDB Aachara
Category Indicative Rate (P.A)
Senior Citizens Up to 3.00%

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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Singithi Kirikatiyo - below 5 years
Category Indicative Rate (P.A)
Children Savings 5.00%

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

Features
Pre-approved overdraft facility
Debit Card with no joining fee and annual fee waiver for 1st year
Maximum limits for Personal Loans with preferential rates
Pre-approved leasing facilities with fee waivers
No minimum balance maintenance requirement for the account
Free internet and mobile banking facilities from balance inquiries to utility bill payments- anytime, anywhere

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

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

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

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

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

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

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

Features
Minimum Deposit : Rs. 2000/-
Attractive Interest Rate : Enjoy attractive interest rates.
Special Housing Loans : Special terms on housing loans, to achieve your dream of owning a home.
Free Standing Order : Set up a free, standing order to remit funds
Easy Loan Installment Payments : Pay monthly HDFC Housing Loans installments through your Prathilaba Saving Account.

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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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DFCC Xtreme Money Market Account
Category Indicative Rate (P.A)
Special Savings Up to 7.00%

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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Sampath Hit Saver
Category Indicative Rate (P.A)
Special Savings Up to 6.50%

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

Features
Outward Investment Account(OIA) is a special account for resident investors in Sri Lanka to channel funds abroad for eligible overseas investments such as investment in Shares and debt securities of companies incorporated outside Sri Lanka, Units in regulated unit trusts, Sovereign Bonds issued by foreign governments and to set up overseas office.

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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……..”)

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

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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Araliya Women’s Savings Account
Category Indicative Rate (P.A)
Women's Saving Up to 3.12%

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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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.
Sampath Vishwa banking facility.
Debit Card facility.
Existing SIA/SFIDA re-designated as IIA

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Children's Savings Planner
Category Indicative Rate (P.A)
Children Savings Up to 8.00%

Features
A guaranteed interest rate
Option to select a savings plans ranging from 1-18 years.
Savings plans from LKR 250,000.00 - up to LKR 10,000,000/-.
Watch your investment grow via the NDB e-statement and Mobile Banking.

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

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

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

Features
PFCA is an account that could be opened by Sri Lankans and foreign nationals (as per the eligibility) in designated foreign currencies for the purpose of saving / pooling foreign currency remittances/ deposits.
Types of PFCAs that could be opened :- Savings Accounts , Current Accounts without the cheque book facility , Fixed Deposits
Rupee and foreign currency loan facilities are available for the Sri Lankan working abroad community via PFCAs

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Senior Citizens Scheme
Category Indicative Rate (P.A)
Senior Citizens 3.25%

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

Features
Receive the retirement benefit at 55, 60 or 65 years of age, according to your preference
A retirement benefits account that will provide you with a steady monthly income and financial independence even after retirement.
Redeem your retirement fund as a specific monthly income over a time period or as a lump sum along with the interest.
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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DFCC Investment Planner
Category Indicative Rate (P.A)
Special Savings Up to 9.50%

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

Features
Chipped base branded debit card.
Free access to Facebook Banking and internet banking.
Screening client for competency of maintaining current account of high esteem
Special Credit card – who earn an income over LKR 15,000/-
Current Account with a specially designed cheque book.
Unlimited Withdrawals.
Should be in business or managing business of his/her parents with intention to inherit or be added as a partner or director in the future or Management Trainee of a reputed company or in a respectable employment with career progression.

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

Features
You get an amazing Interest rate.
We calculate your interest for the days’ end balance and not on the average balance, which is then added to your account at the end of the month.
You can simply open an account with an Initial deposit of just Rs. 1,000/-.
You can access your account through over 3,500 Lankapay ATMs.
We offer you Monthly E-statements, which gives you added convenience. | Our online and mobile banking services give you ‘banking at your fingertips’.
You get 2 FREE ATM withdrawals, every month.
With ’Cargills Cash‘, you can now deposit, withdraw, send cash and even purchase goods, through over 426 Cargills Food City outlets, which are open from 8.00 to 10.00.p.m, 365 days of the year.

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Investment Savings Account (ISA)
Category Indicative Rate (P.A)
Regular Savings 3.50%

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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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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One Account
Category Indicative Rate (P.A)
Special Savings Contact Bank

Features
Current Account with a cheque book
First cheque book will be issued free of charge
A preapproved credit card with a limit of LKR 100, 000/- or more
Visa Debit card | Salary Advances
An NDB Wealth Money Plus Fund
Dream Maker loan facility

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

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

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

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

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Pension Saver
Category Indicative Rate (P.A)
Special Savings 4.51%

Features
Free initial Visa Debit Card with SMS alerts facility | Vehicle Leasing and Home Financing facility*
Higher profit sharing ratio | Free issuance of Pay Orders for government organizations
Priority services at branches | Eligibility for Easy Payment Plan facility*
Access to higher profit sharing ratio on Senior Citizen 12 months Term Investment Accounts (monthly profits)
Free of charge withdrawals at Amãna Bank ATMs and discounted charges at Commercial Bank ATMs
50% discount on Demand Draft issuance charges for professional bodies
Rs. 250/- Pre loaded voucher for Children’s Savings accounts introduced

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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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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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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 477 Cargills Food City outlets islandwide, open from 8 to 10, 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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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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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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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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Inward Investments Account
Category Indicative Rate (P.A)
Resident Foreign Currency Accounts (RFC) Contact Bank

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

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

Features
Initial deposit – LKR 1,000
Interest rate that proportionately increases when the account balance increases.
Interest calculated daily and credited monthly.
The facility to obtain a cash-back loan up to 90% of the account balance.
Chip based VISA Debit Card with access to over 2300 ATMs Island wide.

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

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

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Personal Foreign Currency Accounts
Category Indicative Rate (P.A)
Resident Foreign Currency Accounts (RFC) 1.00%

Features
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.
You will get an international Debit Card free of charge.

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

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

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

Features
Higher Interest Rates: Enjoy higher interest rates, ensuring that your child's savings grow faster.
Flexibility: Open an account on behalf of a child from infancy to the age of 18.
Minimum Initial Deposit: Start with a minimum initial deposit of Rs 2,000/-.
Attractive Gifts: With the increasing deposit balance, your child becomes eligible to receive attractive gift schemes. Account holders of 14 years and below will be eligible for the gift scheme
Free HDFC Till: Receive a free HDFC till with an account opening, encouraging the enthusiasm for saving.

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

Features
Receive a mobile reward(for any network connection) as the welcome gift*
A special reward/gift on your 21st birthday *
A special reward of Rs. 25,000 on your wedding *
Advisory services on higher education and career progression
A smart planner from AIA for NDB Zee account holders

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Seylan Tikiri Savings Account
Category Indicative Rate (P.A)
Children Savings Up to 25.00%

Features
Get the benefit of bonus interest rates
Open a Tikiri saving account today and get your kid a range of gifts from "Seylan Tikiri Gifts Scheme" with loads of other benefits"

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

Features
Attractive interest rates for savings
Greater flexibility to withdraw any number of times without any interest penalties
Interest is calculated on the daily balance and credited monthly
Nominate an account beneficiary
Standing Order facility

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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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HDFC Salary Saver
Category Indicative Rate (P.A)
Salary Savings 8.00%

Features
Minimum Deposit: Rs. 15,000/-
Interest Interest : A higher interest rate than normal savings accounts. This rate is based on the prevailing fixed deposit interest rates in the market.
Interest is calculated daily and deposited monthly.
ATM card: It will be issued free of charge.
E- banking facility: Free of charge.

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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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Senior Citizen’s Savings
Category Indicative Rate (P.A)
Senior Citizens 5.00%

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

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

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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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Capital Savings
Category Indicative Rate (P.A)
Special Savings Up to 5.50%

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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