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
NSB Hapan
Category Indicative Rate (P.A)
Children Savings 3.75%

Features
Hapan We at NSB understand that, saving for a child’s future is essential for a parent. NSB’s Hapan Children’s Account is the best solution for a concerned parent
NSB Hapan is a tailor made savings solution for a newborn or a preschooler and even a schooling child.
The lowest minimum deposit of Rs.5/=.| A Premium Interest Rate | Attractive Gift Schemes

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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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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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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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Sampath Hit Saver
Category Indicative Rate (P.A)
Regular Savings Up 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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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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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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Outward Investments Account
Category Indicative Rate (P.A)
Resident Foreign Currency Accounts (RFC) Refer Bank

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

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

Features
Higher interest rate above ordinary savings accounts, Free passbook on the opening of the account.
Only minimum deposit of Rs. 500/- needed to open a new account.
On attaining 18 years of age your child will be entitled to a special Housing Loan with extra benefits.
Higher interest rate above the ordinary savings accounts.
On attaining 18 years of age the child is entitled to a special Housing Loan from HDFC Bank.
Any person is eligible to open an account as a parent or as a guardian for a child of age below 18 years of age.
An attractive gift scheme with the increasing deposit balance in the Thilina Account.

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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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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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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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HBL SPECIAL SAVINGS ACCOUNT
Category Indicative Rate (P.A)
Special Savings Contact Bank

Features
HBL Special Savings Account where the Interest will be calculated on Daily Balance and Credited Monthly. Special features:
Account will be opened only in LKR.|Overdraft facilities are not entertained under this product.
No account Maintenance Service Charges will be recovered on accounts.
The ability to draw up to 90% of your deposit as a cash-back loan is subject to minimum of LKR 100,000 in the account. When a customer has a credit balance over LKR 100,000/- he is entitled to obtain a cash-back loan of 90% of the available credit balance (max.)
HBL Sri Lanka Debit Cards are issued for individuals as well as for joint accounts (either or survivor).
Ability to withdraw cash from all HBL ATM's and from the ATM's which belongs to the Banks who are the members of Lanka Pay Free of Charge.

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

Features
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.
An attractive 'Anagi' Debit Card with year-round discounts, will be offered to you.
Your interest will be calculated on a daily basis and credited monthly.

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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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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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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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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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Money Market Account
Category Indicative Rate (P.A)
Salary Savings 4.50%

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

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

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

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

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

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

Features
Encourage teenagers to save while controlling their spending.
A higher interest rate than the regular savings account will be offered for Dotcom Account.
A Dotcom Debit Card will be offered to your child at a discounted price.
Loan facilities will be offered for the parent or the legal guardian for educational purposes of the child.

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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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Isuru Minors' Savings Plan
Category Indicative Rate (P.A)
Children Savings 7.50%

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 up to Rs 6.5Mn upon he/she reaching 18 years of age
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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Blue Chip Money Market Savings
Category Indicative Rate (P.A)
Special Savings Up to 6.25%

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

Features
Tiered Interest Rates, as your funds grow
Easy Banking - 365 day banking with extended hours in selected branches
24 hour access - Keep track with free phone and internet banking
Our e-statement with Free internet and mobile banking facilities
Joint accounts can be opened
Now you can open a Nations Saver account via Nations Mobile App

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

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

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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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Udara Senior Citizens Account
Category Indicative Rate (P.A)
Senior Citizens Up to 5.00%

Features
A special interest rate which is higher than the normal interest rate offered will be offered to you
Your interest will be calculated on a daily basis and credited monthly.
Your money is freely available for withdrawals or transfers. No prior notice is required. There is no minimum period for deposits.
A Debit Card will be offered free of charge.

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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

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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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Isuru Udana
Category Indicative Rate (P.A)
Children Savings 4.00% to 4.25%

Features
"Isuru Udana" gift voucher, and the child development and educational value gifts on offer.
Start with a minimum deposit of LKR 100
Child development & educational value gifts including gift vouchers. | Interest on daily balance.
The Bank will deposit the first Rs.100/- to open the account for children from birth up to the age of attending preschool. For children who are already attending preschool, the Bank will deposit Rs.250/- to open the account.
The Isuru Udana Savings Account will be automatically converted to a Sisu Udana Savings Account when your child reaches the age of 6 years.

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

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

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DFCC Xtreme Money Market Account
Category Indicative Rate (P.A)
Special Savings Up to 6.25%

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

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Mithuru MAX
Category Indicative Rate (P.A)
Children Savings 3.50% to 3.75%

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

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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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Senior Citizen Savings Accounts
Category Indicative Rate (P.A)
Senior Citizens 2.92%

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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Savings Account
Category Indicative Rate (P.A)
Regular Savings 2.19%

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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Savings Accounts
Category Indicative Rate (P.A)
Regular Savings 2.50% to 3.00%

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

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

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

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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
Private Banking Junior* status for minimum account balance of Rs. 250,000
Inner Circle Junior* status for minimum account balance of Rs. 100,000

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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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High Return Saver
Category Indicative Rate (P.A)
Special Savings Up to 4.85%

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

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

Features
aving spent your whole life working, raising your kids and contributing to the economy and the success of this country, you deserve nothing less than dignity and respect.
To be able to spend your retirement in peace and comfort.
Special Interest Rate.

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HNB Adhishtana
Category Indicative Rate (P.A)
Special Savings 2.50%

Features
Higher interest rates based on the account balances
Free Internet banking for the first year
Free mobile banking for one year
Free HNB Visa International Debit Card
Immediate loan facilities of up to 90% of your account balance

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

Features
E-statements for your transactions.
SMS Alert on transactions.
100% Rupee Interest or up to 75% Rupee and Digital interest
Loan products with reduces interest rates
Seylfie Current Account
Chipped based branded debit card.
Special Credit card - who earn an income over LKR 15,000/-
High interest on your savings
Free access to Seylan Social Banking and internet banking.

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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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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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RDB Ayojana (Investment account)
Category Indicative Rate (P.A)
Special Savings 3.50% to 3.75%

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

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

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

Features
High interest rate
A free deposit of Rs.1,000 at the time of opening the account
Gifts on your child's birthday
The account has to be opened within 03 months from date of birth, a gift deposit to the account for babies born at below mentioned selected Hospitals (Details given below)
On reaching the age of five years your child’s account will be automatically transferred to a HNB Singithi Lama account, and will be eligible to receive gifts under the HNB Singithi Lama Scheme

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

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

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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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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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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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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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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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Senior Citizens Savings
Category Indicative Rate (P.A)
Senior Citizens 4.00%

Features
The trust and assurance of a state bank | Offer 1% higher interest rate than the normal savings account
An ATM card for around-the-clock withdrawals which can also be used as a debit card at shopping/marketing
Balance queries, Utility bill payment and fund transfer facilities through online banking & B app

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RDB Kekulu
Category Indicative Rate (P.A)
Children Savings 3.00% to 3.75%

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

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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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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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Ladies Savings Accounts
Category Indicative Rate (P.A)
Women's Saving 2.56%

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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NDB Tax Caretaker
Category Indicative Rate (P.A)
Special Savings Up to 4.00%

Features
Quarterly SMS reminder of your upcoming Income Tax payment ,well before the deadline.
Higher interest rate for your savings to manage your tax payments
Unlimited withdrawals
Income Tax is payable via online with NDB Neos
Pay order drawn to Inland Revenue Department issued free of charge
Debit card facility
Internet Banking Facility
Mobile Banking Facility

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

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

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

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

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

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

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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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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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BOC – SmartGen Account
Category Indicative Rate (P.A)
Special Savings Up to 4.00%

Features
A passbook-free account | Free Internet banking access instantly
Instant SMS alerts on transactions | Monthly email statements
Instant account opening | Activated debit card to be given at the time of account opening
The next generation of savings accounts offers customers a wide array of services to enjoy speed and convenience of banking with Bank of Ceylon.
SMARTGEN account could be opened in less than 10 minutes of your time and it is fully activated to operate instantly
SmartGen is the first step taken by the bank as part of a range of new digital offerings to ensure BOC customers island-wide enjoy its multiple benefits. Simply walk into any BOC branch to open your SmartGen account todayfor a smooth and delightful banking experience.
SmartGen version is available for Ordinary Savings Accounts, 14+ Account,18 + Account, Kantha Ran Ginum Account and Senior Citizen Account

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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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Capital Savings
Category Indicative Rate (P.A)
Special Savings Up to 3.75%

Features
Higher interest rates based on the account balances
Free Internet banking for the first year
Free mobile banking for one year
Free HNB Visa International Debit Card
Immediate loan facilities of up to 90% of your account balance

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

Features
Save and enjoy life changing benefits via “Seylan Mega Rewards”
Choose from a passbook / statement/ e-statement for your convenience.
Set up standing orders – Save regularly from your current account since it’s the easiest way to grow your savings.
Island wide Network- Branch Network& ATM network
Easy – access Banking- Internet Banking/ SMS Alert/ Mobile Banking / Cash Deposit Machines