Welcome to BOC


Bank of Ceylon

Welcome to Bank of Ceylon

Contact No : 94 11 2 446 790-811

Address : BOC Square, No 1, Bank of Ceylon Mawatha, Colombo 1.

Visa Classic Card
Joining Fee Annual Fee Indicative Rate (P.A)
LKR 1,000/- LKR 1,000/- 32%

Features
Emergency Hospitalization Limit Enhancement Facility. | Seasonal Discount & Offers.
Supplementary Cards for your Loved Ones or for a lower limit. | Easy Settlement Plan (up to 24 Months)
0% Interest Installment Plans (Up to 24 Months) | 24 Hours Customer Service 1975
50% Cash Advances once a month. (If balance is available)
Interest Free Credit Period (Minimum 22 Days & Maximum 52 Days)

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Visa Gold Card
Joining Fee Annual Fee Indicative Rate (P.A)
LKR 1,500/- LKR 2,000/- 32%

Features
Emergency Hospitalization Limit Enhancement Facility. |Seasonal Discount & Offers.
Supplementary Cards for your Loved Ones or for a lower limit. | Easy Settlement Plan (up to 24 Months)
0% Interest Installment Plans (Up to 24 Months) | 50% Cash Advances once a month.(If balance is available)
Interest Free Credit Period (Minimum 22 Days & Maximum 52 Days) | 24 Hours Customer Service 1975

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Visa Platinum Card
Joining Fee Annual Fee Indicative Rate (P.A)
LKR 1,500/- LKR 3,000/- 32%

Features
Emergency Hospitalization Limit Enhancement Facility. |Seasonal Discount & Offers.
Supplementary Cards for your Loved Ones or for a lower limit. | Easy Settlement Plan (up to 24 Months)
0% Interest Installment Plans (Up to 24 Months) | 50% Cash Advances once a month.(If balance is available)
Interest Free Credit Period (Minimum 22 Days & Maximum 52 Days) | 24 Hours Customer Service 1975

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Master Titanium Card
Joining Fee Annual Fee Indicative Rate (P.A)
LKR 1,500/- LKR 2,000/- 32%

Features
Emergency Hospitalization Limit Enhancement Facility. |Seasonal Discount & Offers.
Supplementary Cards for your Loved Ones or for a lower limit. | Easy Settlement Plan (up to 24 Months)
0% Interest Installment Plans (Up to 24 Months) | 50% Cash Advances once a month.(If balance is available)
Interest Free Credit Period (Minimum 22 Days & Maximum 52 Days) | 24 Hours Customer Service 1975

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World Master Card
Joining Fee Annual Fee Indicative Rate (P.A)
LKR 1,500/- LKR 3,000/- 32%

Features
Local & Overseas discount programs | 24 Hours Customer Service 1975 | Interest Free Credit Period (Minimum 22 Days & Maximum 52 Days)
Cards are accepted at over 30Mn merchant outlets & at over 3Mn ATMs globally
Access to Master Global Services | Emergency Hospitalization Limit Enhancement Facility.
Access 1000+ airport lounges with "LoungKey" from MasterCard (www.loungekey.com/mastercardsa)
Supplementary Cards for your Loved Ones or for a lower limit. | 0% Interest Installment Plans (Up to 24 Months) | Easy Settlement Plan (up to 24 Months) | 50% Cash Advances once a month.(If balance is available)

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World Master (GMOA) Affinity Card
Joining Fee | Annual Fee Indicative Rate (P.A)
Free 32%

Features
Free joining fee & Free annual fee | Local & overseas discount programs specially designed for Doctors. | 50% Cash Advances once a month.(If balance is available) |lnterest Free Credit Period (Minimum 22 Days & Maximum 52 Days)
Cards are accepted at over 30Mn merchant outlets & at over 3Mn ATMs globally | Access to Master Global Services
Access 1000+ airport lounges with "LoungKey" from MasterCard (www.loungekey.com/mastercardsa)
Emergency Hospitalization Limit Enhancement Facility. | Seasonal Discount & Offers.
0% Interest Installment Plans (Up to 24 Months) |Easy Settlement Plan (up to 24 Months) | 24 Hours Customer Service 1975

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Debit Card
Joining Fee Annual Fee
LKR 750/- LKR 500/-

Features
No more fear of overspending
No more searching for the nearest ATM
Only more comfort and convenience
Instant issue available at all branches
100% security

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Multi Currency Prepaid Travel Card
Joining Fee Annual Fee
LKR 3,000/- Contact Bank

Features
Can load multiple currencies based on the country of travel
Reloadable | Secured, convenient and hassle free mode
Backup card to use in the event main card is lost/stolen/damaged
Non-exposure to currency fluctuations
Instant SMS/e-mail updates to notify transactions

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BOC Personal Loan
Indicative Rate (P.A) Tenure Max Loan Amount
24.00% Up to 10 Years Contact Bank

Features
Simplified documentation
Competitive pricing
Transparency
Personal loans available for various needs

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Personal Loan for Accountants
Indicative Rate (P.A) Tenure Max Loan Amount
22.50% Up to 7 years LKR 15,000,000

Features
This loan scheme provides financial support to the Members of Sri Lanka Accountants Service Association.Loans granted for any personal need, legally acceptable to the bank
Can be applied up to Rs.15.0 Mn and maximum loan amount based on the repayment capacity within 60% of gross salary.

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Personal Loan - Administrative Services
Indicative Rate (P.A) Tenure Max Loan Amount
22.50% Up to 5 Years LKR 7,000,000

Features
This loan scheme provides financial support to the Member of Sri lanka Administrative Service Association or Sri Lanka Educational Administrative Services Association for any personal needs, legally acceptable to the bank.
One Inter – Service Guarantor
Credit card on Clean Basis

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Personal Loan for Engineers
Indicative Rate (P.A) Tenure Max Loan Amount
22.50% Up to 10 Years LKR 7,000,000

Features
This loan scheme provides financial supporting to the members of IESL & IIESL in the corporate & Non – Corporate sector for any personal needs, legally acceptable to the bank.
Credit card on Clean basis
Corporate members – One personal Guarantee
Non - Corporate members – Two personal Guarantee

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Personal Loan - Air Force & Navy
Indicative Rate (P.A) Tenure Max Loan Amount
22.50% Up to 7 Years LKR 4,000,000

Features
This loan scheme provides financial assistance to the regular employees of the Sri Lanka Navy and the regular employees of the Sri Lanka Air Force for any personal need that the Bank may legally accept.
Senior Ranks Maximum up to Rs. 4,000,000/-
Other Ranks Maximum up to Rs. 1,000,000/-
Two personal guarantors in the same grade or above

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Vehicle Loan - Government Employees
Indicative Rate (P.A) Tenure Max Loan Amount
22.50% Up to 10 Years LKR 3,000,000

Features
This loan scheme provides financial support to Government and Provincial public sector employees to purchase Motor Vehicles.
Mortgage over motor vehicle / motor cycle / scooter
Personal guarantee of two officers of similar or higher grade
Assignment over comprehensive insurance policy

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Personal Loan - University Staff
Indicative Rate (P.A) Tenure Max Loan Amount
22.50% Up to 7 Years LKR 5,000,000

Features
This loan scheme provides financial support to university staff (who are working the institutions which were approved by the UGC) for any personal needs, legally acceptable to the bank.
Academic staff: Up to a maximum of Rs.5 Mn.
Academic staff: Up to a maximum of Rs.05 Mn.
Personal guarantee of two officers of similar or higher grade

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Medical & Dental Surgeons
Indicative Rate (P.A) Tenure Max Loan Amount
22.50% Up to 10 Years LKR 15,000,000

Features
Can be applied up to Rs. 15.0 Mn and maximum loan amount based on the repayment capacity within 60% of gross salary. 60% of private practice income consider as other income.

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Personal Loan – Veterinary Surgeons
Indicative Rate (P.A) Tenure Max Loan Amount
22.50% Up to 10 Years LKR 1,500,000

Features
This loan scheme provides financial support to the Member of State Veterinary Surgeons Association (SVSA) and the Veterinary Council of Sri Lanka (VCSL)
Can be applied up to Rs. 15.0 Mn and maximum loan amount based on the repayment capacity within 60% of gross salary. 50% of private practice income consider as other income.

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Nursing & Para medical staff
Indicative Rate (P.A) Tenure Max Loan Amount
22.50% Up to 7 Years LKR 2,000,000

Features
This loan scheme provides financial support to the confirmed nursing staff and allied grades in permanent services of Government Hospitals for any personal needs, legally acceptable to the bank.
Loan: Up to a maximum of Rs.2.0 Mn.
Credit card: Up to a maximum of Rs.1 lacks
One Inter-service guarantor
Credit card on Clean basis

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Educationl Loan
Indicative Rate (P.A) Tenure Max Loan Amount
22.50% Up to 7 Years LKR 4,000,000

Features
BOC Educational loans provide the financial support you need to achieve your higher educational achievements at local or foreign universities
Option of paying only the interest until the degree is complete
Receive the maximum loan amount necessary for your requirements
Speedy service | No hidden costs

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BOC Abhimana Loan Scheme
Indicative Rate (P.A) Tenure Max Loan Amount
23.50% Up to 15 Years Contact Bank

Features
To start a business | Educational Expenses of their children
To meet Medical Expenses | House Repairs
Any other purpose legally acceptable (to uplift the lifestyle of the pensioners)

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Purchase Motor Bicycles
Indicative Rate (P.A) Tenure Max Loan Amount
22.50% Up to 4 Years LKR 3,000,00

Features
This loan scheme provides financial support to Government Departments / Corporations and Statutory bodies to purchase Bajaj, Honda, Hero Motor Cycles.
Up to a maximum of Rs.300, 000/- (Equated installment, maximum up to 48 months)

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Features
Bank of Ceylon offers Sirimadura housing loans for customers in 2 visits within 2 weeks
First visit to apply, second visit to collect your loan | Maximum 15 days to obtain your loan
Assistance by BOC to obtain the required documents and registration
SMS updates at each stage of loan processing | Easily obtain information on the status of the loan online
Repayment period of up to 25 years

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BOC Housing Loan Scheme
Indicative Rate (P.A) Tenure Max Loan Amount
Up to 21.00% Up to 25 Years LKR 50,000,000

Features
Purchase a land to construct a house later. / Purchase a land and to construct a house
Construct a house in an owned land of the borrower/s.
Purchase a house/ partly constructed house/ condominium unit.
Complete construction/ renovation/ extension/ repair of an existing house/ condominium unit.
Landscaping/ interior decoration of the house/ condominium unit.
Construction of houses/ apartments for sale - please contact the relevant branch for more information and this facility is provided only for the commercial purpose house builders.

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Leasing
Indicative Rate (P.A) Tenure Max Loan Amount
Up to 23.75% Up to 5 Years Contact Bank

Features
Select vehicles of your choice | Attractive lower rental
No hidden charges | Facilities can be obtained jointly
Other Income also considered | Speedy approving system
Flexi Rentals (Rental amount can be scheduled according to your needs)
More concessions for early settlement

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Features
Wide range of Deposits and Advances to suit your individual requirements.
One-point contact for all your banking transactions 24x7 through our dedicated Relationship Officers.
A branded, personalized cheque book.
An array of services offered zero cost or concessionary charges.
Treasury and foreign currency services.

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100 Day Investment
Platinum Banking

Features
Minimum Fixed Deposit Rs. 2.5 million
An instant loan of up to 90% of your deposit
Trust and security of a state bank
Rate of Interest 17.5% p.a. (A.E.R. 18.67%)

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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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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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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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Ran Kekulu Smart
Category Indicative Rate (P.A)
Children Savings 4.50%

Features
Higher interest rate than the normal savings accounts
Surgical & Hospitalization cover for Account Holder
Life insurance cover for parent/guardian
Scholarships for grade 5 scholarships winners

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

Features
Account can be opened jointly | ATM /Debit Card for around the clock withdrawals
The Trust and Assurance from the State bank | Internet Banking and SMS Banking facilities
Instant loan up to 90% of your account balance | Deposits can be made at over 600 Branches Island wide
24 hour Call Centre facility | 365 Days/24 Hr Banking at Head Office branch in an emergency.

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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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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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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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BOC Abhimana Retirement Scheme
Category Indicative Rate (P.A)
Senior Citizens Contact Bank

Features
Highest benefits | Most featured retirement scheme in the market
Secured long-term return upto lifetime benefits

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BOC Smart Salary Saver Account
Category Indicative Rate (P.A)
Salary Savings Contact Bank

Features
Daily investment of additional funds | Easy access for invested funds for day to day payments
Instant Salary Advance | Automated Monthly Bill Payment
E-Commerce enabled Debit Card | Digital Banking Services

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My Health
Category Indicative Rate (P.A)
Special Savings 3.00%

Features
Normal Savings Interest Rate
Annual ‘No Claim’ Bonus
Free Surgical & Hospitalization Insurance Cover
Health Checkup Reimbursement Facility
E-com/POS enabled Branded debit card
Special discount offers at healthcare merchants
Flexible Savings

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Normal Fixed Deposits
1 Month 2 Months 3 Months
13.50% -- 15.00%
6 Months 12 Months (1Y) 24 Months (2Y)
14.75% 12.00% 14.75%

Features
Payment of Interest (for Minimum Rs. 500,000)
Interest Payable at Maturity for all types
Monthly interest on deposits of one year and above

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Savings Certificates
1 Month 2 Months 3 Months
-- -- --
6 Months 12 Months (1Y) 24 Months (2Y)
5.00% 6.00% 7.00%

Features
No need to be an account holder | Interest paid upfront
Face value is paid at maturity | Can make a nomination
Can be en-cashed in any branch | Denominations for periods of 6,12 and 24 months
Instant loan or overdraft could be easily obtained against the deposit
Withholding tax/duties and other taxes are applicable as per prevailing regulations
Can be en-cashed even before the maturity (at a reduced rate of interest for completed months)
Issued only in the name of an individual

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Smart FD (Scrip-less Fixed Deposits)
1 Month 2 Months 3 Months
13.50% -- 15.00%
6 Months 12 Months (1Y) 24 Months (2Y)
14.75% 12.00% 14.75%

Features
No physical certificate, only the smart FD opening confirmation is issued | Instant SMS confirmation
Opening, Renewal, and Closing confirmations via e-mail | Applications/ closing requests can be sent by post, e-mail or fax
FD amount can be deposited to Current or Savings account (Bank will take the deposit amount from this account)
Can be closed without visiting the branch | Interest rates for Smart FDs are similar to normal FDs

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7 Day Call Deposits
1 Month 2 Months 3 Months
13.25% -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- -- --

Features
Minimum deposit is Rs 100,000.00 | Minimum period is 7 days-(no maximum period)
Attractive interest rates | No need to be an account holder
Can make a nomination | Instant Loan/Overdraft can be easily obtained against the deposit
There is no maturity date and the depositor can withdraw by giving seven calender days notice in writing
Interest paid on withdrawals with 7 days’ Notice

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Senior Citizens FDs
1 Month 2 Months 3 Months
-- -- --
6 Months 12 Months (1Y) 24 Months (2Y)
-- 12.00% to 15.00% --

Features
Minimum Deposit Rs. 10,000/- | Period – 1 Year
Higher interest rate | Payment of interest - at maturity or monthly
Nomination – A Person/Persons can be nominated to disburse the balance at the death of the account holder

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A special notice to all customers who have obtained loan facilities from Bank of Ceylon.

Annual Pirith Ceremony of Bank of Ceylon

Bank of Ceylon was recognized as the Best Performing Debit Card Base for 2022 at the “Daraz Payment Partner Performance Awards 2022”

Bank of Ceylon Celebrates 83rd Anniversary Steering Strongly and Steadily

Bank of Ceylon Celebrates 83rd Anniversary Steering Strongly and Steadily

BOC takes highest rank for a Sri Lankan bank in the Top 1,000 World Banks 2022 listing by the Banker magazine UK!

Bank of Ceylon successfully relocated the Point Pedro branch

Sri Lanka’s No. 1 banking brand, Bank of Ceylon, is once again ranked among the Top 1000 World Banks list in 2022.

Bank of Ceylon retained its position as the most valuable banking brand in Sri Lanka with a brand value of Rs. 53.92 billion!

You now have the opportunity to deposit your valid foreign currency notes into a bank account or convert them into Rupees

BOC relocates Jaffna Bus Stand branch to new premises to offer a seamless banking experience.

Resilient as ever, Bank of Ceylon Named as the No.1 Banking Brand for the 14th Consecutive Year. - Brand value at Rs. 53.919 Billion.

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