Savings & Current Accounts

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


Bank Selection
Savings Account Categories
Current Account Categories
Cargills 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’.

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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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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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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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Sampath Sanhinda Saver Account
Category Indicative Rate (P.A)
Special Savings Up to 3.25%

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

Features
Personal Loans, Home Loans and Leasing facilities will be offered to you at 0.25% less than standard interest rates.
You can earn a higher interest rate than the rate offered for Regular Savings Accounts.
You will be offered with ‘Anagi’ branded "Members Only" passbook.
An attractive 'Anagi' Debit Card with year-round discounts, will be offered to you.
You can open either a Statement Savings or a Pass Book Savings Account according to your choice.

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

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

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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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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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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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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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Sampath Hit Saver
Category Indicative Rate (P.A)
Special Savings Up to 5.50%

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

Features
Account holders of 15 years and below will be eligible for the Gift Scheme
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 annum
Please note the above shall be applicable only after 30 days of child's birth and for hospital stays of not less than two (02) nights
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

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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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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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Target Investment Plan (Teens)
Category Indicative Rate (P.A)
Children Savings Up to 10.00%

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

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

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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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HNB TEEN +
Category Indicative Rate (P.A)
Teen / Youth Savings 2.50%

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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My Dream Account
Category Indicative Rate (P.A)
Children Savings Up to 2.50%

Features
Open an account with a minimum initial deposit of just LKR 25,000.
A secure and convenient way to access your account information instantly at any time anywhere.
Do all your banking transactions online form home, office, or on the move. Simply log in!.
Access your statements at your convenience while contributing to help save the trees.

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

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)
25% discount on annual fees of the credit cards
Reimbursement of Hospitalization expenses upto Rs. 70,000/- for Fixed Deposits above Rs. 500,000/-

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

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

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Salary Savings Accounts
Category Indicative Rate (P.A)
Salary Savings 3.18%

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

Features
Initial deposit – LKR 100,000 / 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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Regular Savings
Category Indicative Rate (P.A)
Regular Savings 2.00%

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

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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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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 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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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)
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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SDB Uththamavi
Category Indicative Rate (P.A)
Women's Saving Up to 3.25%

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

Features
Minimum Deposit: Rs. 10,000/-
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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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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Isuru Minors' Savings Plan
Category Indicative Rate (P.A)
Children Savings 9.00%

Features
Isuru Minors’ Savings Plan is the ideal Investment plan for your child which is easy and a convenient way to save regularly for your child's future.
Your child will receive a guaranteed amount upon he/she reaching 18 years of age.
You can choose either to save monthly or do a one-time single (Lump sum) deposit, as you desire.
Your child will receive an entitlement certificate which assures that he/she will receive the guaranteed amount as he/she reaches 18 years of age, despite any interest rate fluctuations.

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

Features
You can earn higher interest 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.

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

Features
The Normal Savings account has been introduced for any customer without segmentation to deposit their money as much as they can.
A person who expect to get a Loan facility need to open a Normal Savings Account.
Interest rate calculated on the daily basis minimum balance and credited monthly.

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

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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“Sathkara” for Gov.Servants
Category Indicative Rate (P.A)
Senior Citizens 3.00%

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

Features
Sampath Pubudu
Attractive gift scheme | Visit your nearest Sampath Bank branch for more details
Sampath Sapiri
Sampath Sapiri pays a higher interest and is considered as the investment account for minors.
Common Benefits for both account holders
Every Sampath Bank Children's Savings account holder who scores over the district cut-off mark at the Grade 5 Scholarship Examination will receive a special medal and certificate.
To qualify for the above, maintain a minimum balance of Rs 5,000/- in a Sampath Pubudu or Sampath Sapiri account, prior to the exam.

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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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Children's Savings Accounts
Category Indicative Rate (P.A)
Children Savings 6.36%

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

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

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

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

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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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Pension Saver
Category Indicative Rate (P.A)
Special Savings 4.24%

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

Features
Receive gifts up to the age of 15 years based on the account balance
Attractive Passbook
Rewards for top Nations Kidz accountholders who excel in Grade 5 scholarship examination
Account statements via Ebox facility
Inner Circle or Private Banking junior Membership

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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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Ladies Savings Accounts
Category Indicative Rate (P.A)
Women's Saving 3.71%

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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PAS AVURUDU ACCOUNT
Category Indicative Rate (P.A)
Senior Citizens 8.00%

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

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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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Kidz Saver
Category Indicative Rate (P.A)
Children Savings Up to 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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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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Sammana Savings
Category Indicative Rate (P.A)
Senior Citizens Up to 5.00%

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

Features
Interest up to 3.12% for all accounts meeting the monthly commitment.
Welcome gift for initial deposits of Rs.10,000.
A free Shilpa Savings Account with a maximum deposit of LKR 25,000 for accounts maintaining a monthly average balance over LKR 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*

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

Features
Credit within one day from any bank for Sampath current account cheques.
Immediate encashment of cheques from any one of our branches located island wide, even if you are not a holder of a Sampath Current Account.
Cheque clearing commissions are not charged on cheques which are cleared in areas located away from Colombo.
Receive immediate SMS Alertz of the cheque transactions on your mobile.
Immediate overdraft (OD) through the FLEXI facility which links all your Sampath Savings Accounts to your Sampath Current Account.
Sampath current account cheque book can be received instantly, without any additional charges.
Make immediate payments for all utility bills at any time, through our wide network of ATMs and our user-friendly internet banking solution – Sampath Vishwa.

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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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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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Kids Savings
Category Indicative Rate (P.A)
Children Savings Up to 5.00%

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

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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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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 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. Spend your retirement in peace and comfort.
Special interest rate will be applicable

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

Features
Personalised cheque book
Weekly/ Monthly / Quarterly Statements
E-Statement facility
Exclusive Free VISA Debit Card with SMS alerts
Standing Instruction facility
Sweep in and Sweep out facility
Access to Amana Bank Internet banking & Mobile Banking

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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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