Free tool
Currency & Remittance Comparator
Sending money to Sri Lanka? Compare what each remittance channel actually delivers in rupees after exchange-rate margins and fees, using live LKR mid-rates. A small difference in rate matters more than the headline fee on larger transfers.
Currency & remittance
Compare what you'd actually receive in LKR across local banks.
Live rate unavailable — using an indicative rate; adjust to match the current market.
Best receive
LKR 318,310
Best bank
Sampath Bank
Spread vs worst
LKR 2,150
| Bank | Rate margin | Flat fee | Effective rate | You receive (LKR) |
|---|---|---|---|---|
| Sampath Bank | % | 318.56 | LKR 318,310 | |
| Commercial Bank | % | 318.08 | LKR 318,080 | |
| NTB | % | 318.24 | LKR 318,040 | |
| HNB | % | 317.76 | LKR 317,760 | |
| BOC | % | 316.48 | LKR 316,480 | |
| Peoples Bank | % | 316.16 | LKR 316,160 |
The mid-rate is fetched live and refreshed daily. Bank margins and fees shown are editable examples, not published bank quotes — enter the margin and fee from your bank's actual offer to see what you'd really receive.
Frequently asked questions
What's the best way to send money to Sri Lanka?
It depends on amount, speed and destination. Bank-to-bank remittances, licensed money transfer operators and fintech services each trade off rate, fee and delivery time — the comparator shows the net LKR received for your amount.
Are worker remittances to Sri Lanka taxed?
No — inward worker remittances are not taxed, and the government periodically offers incentive schemes for formal-channel remittances.
Why do exchange rates differ between services?
Each service adds its own margin over the interbank rate. Comparing the final LKR amount received — not the advertised fee — is the reliable way to find the cheapest option.
More free tools
- Loan EMI Calculator
Free EMI calculator for Sri Lankan bank loans. Enter the loan amount, interest rate and term to see your monthly installment and total interest in LKR.
- Fixed Deposit Calculator
Free fixed deposit calculator for Sri Lanka. See gross interest, 10% AIT deducted and the net amount you receive — then compare the same deposit at every bank and finance company.
- FD Ladder Planner
Plan a fixed deposit ladder with live Sri Lankan rates. Split one sum across 3 to 60-month deposits, see the best rate for each rung, interest after 10% AIT and when each part comes back.
- Debt Consolidation Calculator
Check whether combining your Sri Lankan loans and credit card balances into a single loan saves money. Compare current payments against a consolidated loan.
- Loan Affordability Calculator
Estimate how much you can safely borrow from a Sri Lankan bank based on your income, expenses and existing commitments.
- Savings Goal Planner
Plan how much to save each month to reach a target amount by a chosen date, with interest from a Sri Lankan savings account or FD factored in.