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
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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Savings Account
Category Indicative Rate (P.A)
Regular Savings 2.00% to 3.00%

Features
TIER Based Interest Rate View Interest Rates, Rs.1,000 Initial Deposit and Minimum Balance
FREE Over the counter Withdrawals, ATM access, Virtual Banking Service
Auto Sweep Facility, Passbook / Statements

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

Features
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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Salary Power
Category Indicative Rate (P.A)
Salary Savings Up to 3.50%

Features
Attractive interest rates for account balances of Rs.2,000/- & above
Special interest for balances over the slabs of Rs.25,000/- and Rs.50,000/-
Free Personal accident insurance cover upto Rs.200,000/-
Free Cash withdrawals at any Union Bank ATM
Free SMS alerts and Utility bill payments at branches
Housing & Personal loans at attractive interest rates
Visa International Shopping Debit Card with global access and special offers / discounts | Online banking facility
Access to account from any ATM in Sri Lanka(via LankaPay) and Visa ATMs globally

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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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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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HBL FREEDOM ACCOUNT:
Category Indicative Rate (P.A)
Special Savings Contact Bank

Features
HBL Freedom Account saves you the hassles of unwanted charges while allowing you to think freely about your business.
Free Funds Transfers
Free Pay Orders
Free Cheque Books (3 books of 50 leaves)
Free Duplicate account statements
Free HBL VISA Debit Card

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

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

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Vanitha Vasana
Category Indicative Rate (P.A)
Women's Saving 3.50% to 3.75%

Features
Credit card facility | Special discount for ticketing from People's Travels (Pvt) Ltd.
Isuru Udana Savings Account with Rs.100/- as a special gift, during the birth of a child.
Product extention of Vanitha Vasana Money Planner offers a higher interest rate.
Mobile banking, voice banking app & internet banking facility.

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NSB PENSION +
Category Indicative Rate (P.A)
Senior Citizens 3.75% to 6.40%

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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DFCC Salary Plus
Category Indicative Rate (P.A)
Salary Savings Refer 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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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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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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Sampath Sanhinda Saver Account
Category Indicative Rate (P.A)
Special Savings 3.25% to 4.00%

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

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14 plus
Category Indicative Rate (P.A)
Teen / Youth Savings 2.50% to 3.15%

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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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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Sammana Savings
Category Indicative Rate (P.A)
Senior Citizens 3.25% to 3.50%

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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Blue Chip Money Market Savings
Category Indicative Rate (P.A)
Special Savings Up to 5.00%

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

Features
Stability and being a state owned bank, Rewards on educational achievements
Highest interest rates, Most flexible customer service ,Attractive gift scheme
A special donation will be granted fro the bank to the account holder, if the child suffers any illnesses as listed in the product (Conditions apply)
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)

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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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Salary Savings Accounts
Category Indicative Rate (P.A)
Salary Savings 2.22%

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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Salary Saver
Category Indicative Rate (P.A)
Salary Savings 3.00% to 3.75%

Features
Credit Card - Joining fee waived off, and Annual fee waived off until the salary is remitted to the bank
No issuance fee for ATM / Debit Card
Personal Loans - 50% rebate on Personal Loan processing fee, and Approval for the loan should be subject to standard bank’s credit policy guidelines.)
Standing Orders - 50% off on execution fee from the normal tariff
Free Internet Banking and SMS Alert Facility

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RDB New Life – Retirement Plan
Category Indicative Rate (P.A)
Senior Citizens 6.00%

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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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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Nations Mega Saver
Category Indicative Rate (P.A)
Special Savings Refer 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 Pubudu - Sapiri
Category Indicative Rate (P.A)
Children Savings 4.00% to 5.00%

Features
Sampath Sapiri pays a higher interest and is considered as the investment account for minors.
Sampath Pubudu account comprises numerous benefits to help teach your child the value of saving

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Harvest Account
Category Indicative Rate (P.A)
Special Savings 3.00% to 3.25%

Features
“Harvest” account holders receive priority for agriculture loans to assist them with the seasonal harvesting and other agriculture related activity.
Concessionary interest rates are granted to cash backed facilities.

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Kantha Ran Ginum
Category Indicative Rate (P.A)
Women's Saving 3.50%

Features
Offer 0.5% higher interest rate than the normal savings account | Life Insurance cover for Account Holder
Debit/ Credit Cards | Loans on low interest | Internet and mobile banking facilities

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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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YES Accounts
Category Indicative Rate (P.A)
Teen / Youth Savings 3.50% 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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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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Kids Savings
Category Indicative Rate (P.A)
Children Savings Up to 3.00%

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

Features
Interest will be calculated on a daily basis and credited monthly
SDB VISA debit card that can be used at any SDB ATM or any other VISA ATMs across the country. The debit card can also be used to purchase goods and services at any VISA merchant outlet island-wide
Standing-order facilities
Ability to nominate a beneficiary/beneficiaries
Multiple convenient digital banking platforms such as SDB Mobile App, SMS Banking, Business Internet Banking, UPay and mCash

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

Features
Minimum deposit amount – LKR 5,000.
Higher interest rate while ensuring the real value of returns are not lost all time as the product is linked to 7 Days Sri Lanka Inter Bank Offered Rate (SLIBOR) and re-priced weekly.
This account is a smart option for individuals and entities.
Interest will be calculated on daily basis based on the day end balances and credited monthly.

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

Features
Can be opened and operated from any branch of BOC. | Personalized cheque book.
Quick cheque realization. (Immediate cheque realization for BOC cheques)
No commission charged for outstation cheque clearance
One day cheque book delivery system. | 24 hour Call Centre.
Internationally valid debit card for personal current account holders.
Account can be accessed anytime via BOC Online Banking facility
Account can be operated through mobile phone (Paymate)
24*365 Head Office Branch, Night Banking, Weekend Banking available to serve your needs.

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

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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SDB Uththamavi
Category Indicative Rate (P.A)
Women's Saving 3.75% 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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SDB Top Saver
Category Indicative Rate (P.A)
Special Savings 3.00% to 5.00%

Features
Highest interest rate for savings
Unlimited withdrawals
SDB VISA debit card that can be used at any SDB ATM or any other VISA ATMs across the country. The debit card can also be used to purchase goods and services at any VISA merchant outlet island-wide.
Multiple convenient digital banking platforms such as SDB Mobile App, SMS Banking, Business Internet Banking, UPay and mCash

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Current 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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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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Super Saver Account
Category Indicative Rate (P.A)
Special Savings 2.50% to 3.50%

Features
Higher interest rates as your deposit value increases
You can open an account with a minimum deposit of Rs 50,000/-
Earn a higher interest rate for your savings as your account balance grows.
Interest will be calculated on the daily balance and credited to your account monthly.
A Loan facility up to 90% of deposit balance at a special concessionary interest rate
e-Statement facility - Free of charge | e-Passbook facility - Free of charge
Mobile Banking facility - Free of charge | SMS alert facility - Registration fee waived off
Online Banking - Registration fee and first year annual fee waived off
and from the second year onwards 50% concession on the annual fee.
Debit Card - Personalized or instant card. First Debit card will be free of charge

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

Features
CTRA is an amalgamation of “Non- Resident Rupee Accounts” (NRRAs), “Non- Resident Blocked Accounts” (NRBAs) and “Migrant Blocked Accounts” (MBAs) of previous Exchange Control Act.

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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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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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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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Ran Kekulu
Category Indicative Rate (P.A)
Teen / Youth Savings 4.50%

Features
Higher interest rate than the normal savings accounts
Medical Insurance cover for the account holder
Life insurance cover for parent/guardian
Scholarships for grade 5 scholarships winners

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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.
For Ladies Till Account Holders - Accident and personal Insurance cover from a reputed insurance service provider.

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

Features
Receive gifts up to the age of 15 years based on the account balance
Special interest rate of 5%
Attractive Passbook
Free internet banking facilities for balance enquiry
Rewards for top Nations Kidz accountholders who excel in Grade 5 scholarship examination
Nations Kidz Club - All Nations Kidz accountholders with a balance exceeding Rs. 200,000/- will be entitled to join the Nations Kidz Club.
Special Kidz Club benefits Free entrance to the fun filled Nations Kidz Club day & Preference to the Nations NFresher internship programme

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Senior Citizen Savings Accounts
Category Indicative Rate (P.A)
Senior Citizens 2.96%

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

Features
Salary advance facility up to 75% of the monthly salary
Personal Loans, Home Loans and Leasing facilities at preferential interest rates
ComBank Debit/shopping card issued free of charge
Salary advance facility up to 75% of average monthly salary remitted to the Achiever Salary Account for 3 consecutive months up to a maximum of Rs. 300,000/-
Personal Loans, Leasing and Home Loans at preferential interest rates
A ComBank Debit/shopping card will be issued without charges
A Credit Card will be issued without joining fee and 1st year annual fee
Online Banking facility is free of joining fee and annual fee for the first year
e-Passbook and e-Statement facilities without charges
Access your account 24 hours x 7 days a week from any part of the country or even from overseas

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Union Bank Invest Plus
Category Indicative Rate (P.A)
Special Savings Refer 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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Parinatha
Category Indicative Rate (P.A)
Senior Citizens 5.00% to 6.00%

Features
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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Regular Savings Accounts
Category Indicative Rate (P.A)
Regular Savings Contact Bank

Features
Saving accounts at HBL Sri Lanka offer convenience for our valued customers when they intend to save their money and earn interest there on. We offer interest on daily products of the account.
Attractive interest rate | You can transfer funds inter account
Facility to operate the account online from any branch of HBL in Sri Lanka
Facility of electronic funds transfer to other bank accounts

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Seylan 2 in 1 Account
Category Indicative Rate (P.A)
Special Savings Refer Bank

Features
Any amount exceeding LKR 10,000/- in the current account will be transferred to your saving account to earn a productive return
Most of our card promotions are offered to Debit card holders too
Island wide Branch network, ATM network & 365 day Banking
entitle yourself for "Seylan Sure Benefits"
Internet Banking / SMS Banking / Mobile Banking
Make life easy by accessing our Online banking services.

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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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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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Current Account
Category Indicative Rate (P.A)
Other 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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SDB Jawaya
Category Indicative Rate (P.A)
Teen / Youth Savings 3.75% to 4.50%

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

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DFCC Float Savings Accounts
Category Indicative Rate (P.A)
Special Savings Contact Bank

Features
Initial deposit – LKR 100,000 (with a minimum deposit period of 7 days)
Weekly revision of interest rates based on reputed Call Market Rates and Repo Rates
Risk-free returns

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

Features
Scholarships and rewards for Minor account holders excelling in grade 05 Scholarship examination, GCE & London Ordinary Level examination and GCE & London Advanced Level examination

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

Features
A savings Account exclusively for ladies who employed or self employed is eligible to open above category Account.
Women between age of 18 years and 60 years are eligible to open a “Manavi” Savings Account.
A minimum deposit is Rs. 500/- Preferential interest rate calculated on the daily minimum balance and credited monthly.
Customers are eligible to the loan schemes.
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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Current Accounts
Category Indicative Rate (P.A)
Other Current Account Contact Bank

Features
Commercial Bank cheques are highly recognized and accepted throughout the country
Convenience of dealing with an island wide branch network and through ATMs, Online Banking and Mobile Banking
E-statement facilities directed to your preferred email address
Same day credit to Commercial Bank cheques deposited to your account

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

Features
The account holder is entitled to a free hospitalization cover whereby Rs.2,500/- per day shall be paid in the event of the account balance reaching Rs.20,000/- However the total amount payable shall be subject to a maximum amount of Rs.225,000 /- per annum
In the event the account holder is admitted to the intensive care unit of a hospital , the above benefit on hospitalisation per day shall be doubled. However the total amount payable will be subject to a maximum amount of Rs.225,000 per anum.
Please note the above shall be applicable only after the account holder reaches one year (01) of age and for hospital stays of not less than two (02) nights
In the event the account balance reaches Rs. 20,000/- the parent /guardian (who has signed the mandate) of the account holder shall be entitled to a free life insurance cover and a permanent disability cover amounting to Rs.50,000/-
In the event the account balance reaches 50,000/- , the above benefit to the parent/guardian shall be doubled.
Standing orders will be placed free of charge for money transfers from parent's/guardian's NDB Account to NDB Children's Savings Account
Special rewards for your child`s performance at the Grade 5 Scholarship Exam
Special rewards for your Child’s performance at G.C.E O/L exam.

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

Features
A current account at Habib Bank Sri Lanka gives you all convenience for managing your business transactions.
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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Savings Account
Category Indicative Rate (P.A)
Regular Savings 2.22%

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
Periodic Statements including e-statments or Passbook to record and monitor account transactions
VISA Debit Card with SMS alerts

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PAS AVURUDU ACCOUNT
Category Indicative Rate (P.A)
Senior Citizens 4.00% to 4.75%

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

Features
Convenience of immediate encashment of cheques from any branch
Quick cheque realization | Customized Cheque Books
Ability to apply for overdraft facilities
Enjoy the convenience of self banking, mobile, internet & voice banking services
An internationally valid debit card is on offer to access your account
Deposit cash from our CDMs 24X365

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

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

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

Features
BFCA’s are an amalgamation of “Foreign exchange Earners Accounts” (FEEA), “Inward Remittances Distribution Account” (IRDA) and “Foreign Currency Account for an Agent of Foreign Shipping Line/Airline” (FCAASA) of previous Exchange Control Act.

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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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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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HNB Teen Account
Category Indicative Rate (P.A)
Teen / Youth Savings 4.00%

Features
Cash Rewards for HNB Teen account holders excelling in GCE O/L, London O/L, GCE A/L & London A/L
Free Standing Order Guarantee Insurance Cover
Maintain a minimum deposit of Rs. 25,000/- in your HNB Teen account for HNB Diri Daru Scholarships
Benefits offered for HNB Teen account
Maintaining minimum balance of Rs. 100,000, Rs. 250,000/-, Rs. 500,000/- and wining Gift vouchers value in order to Rs. 5,000/-, Rs. 10,000/-, Rs. 20,000

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Sisu Udana
Category Indicative Rate (P.A)
Children Savings 4.00% 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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Sampath Hit Saver
Category Indicative Rate (P.A)
Regular Savings 2.00% to 4.00%

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

Features
Attractive interest rates for account balances of Rs.5,000/- & above
Special interest for balances over the slabs of Rs.50,000/- and Rs.250,000/-
Free Personal accident insurance cover upto Rs.200,000/-
Free Cash withdrawals at any Union Bank ATM, SMS alerts and Utility bill payments at branches
Housing & Personal loans at attractive interest rates
Visa International Shopping Debit Card with global access and special offers / discounts
Online banking facility
Access to account from any ATM in Sri Lanka(via LankaPay) and Visa ATMs globally

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

Features
A higher interest rate than the rate offered for Regular Savings Accounts
Special cash prizes to the Arunalu Account Holders Who gained the 1st, 2nd and 3rd highest aggregate marks in the country at the Year 5 Scholarship Examination
Cash prizes of Rs 10,000/-, Rs 7,500/- and Rs 5,000/- respectively for account holders who have gained the 1st, 2nd and the 3rd highest marks in each school

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Target Investment Plan
Category Indicative Rate (P.A)
Special Savings 7.25%

Features
Guaranteed Interest Rates / Returns - The higher interest rate agreed upon at the beginning of the plan will continue to apply throughout the investment period
Maximum Flexibility & Transparency - Customers can select an investment plan that yields the desired amount at maturity as per the grid below
A choice of 2, 3, 4 & 5 year investment periods
Half yearly e-statements will be sent to enable you to keep track of your investment

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