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
RDB Ayojana (Investment account)
Category Indicative Rate (P.A)
Special Savings Contact Bank

Features
This is the general investment account introduced by the Bank for the clients who receive credit facilities.
The special features of the product include an attractive interest rate for deposits and a special loan scheme customized for the target segment.
Minimum Deposit is LKR 500/-

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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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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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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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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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Sammana Savings
Category Indicative Rate (P.A)
Senior Citizens Up to 6.00%

Features
Pension advance for a maximum of Rs.60,000 (conditions apply)
Special personal loan facilities
Exempted from quarterly service charges
Customer statement / e-statement facility
SMS and internet banking
Specially designed VISA enabled international debit card
Islandwide ATM network for convenient cash withdrawals

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Mega Bonus Savings Account
Category Indicative Rate (P.A)
Special Savings Contact Bank

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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Sampath Hit Saver
Category Indicative Rate (P.A)
Special Savings Up to 7.50%

Features
The freedom to enjoy unlimited withdrawals per month.
A Passbook to monitor the progress of your savings.
Instant loan facilities up to 90% of the Account Balance.
The account is accessible from anywhere with our island wide Branch/ATM network.
Internet and Phone Banking facility to access your account from anywhere, anytime.
A host of additional features to enhance convenience.

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Inward Investment Account (IIA)
Category Indicative Rate (P.A)
Non-Resident Foreign Currency Accounts (NRFC) Contact Bank

Features
Accounts can be maintained in Sri Lanka Rupees and foreign currency.
Accounts may be jointly opened with another eligible person.
Sampath Vishwa banking facility.
Debit Card facility.
Existing SIA/SFIDA re-designated as IIA

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BOC Smart Lady Investment Account
Category Indicative Rate (P.A)
Women's Saving Up to 15.50%

Features
Guaranteed return at maturity
Higher rate of interest during investment period
Balance inquiry facility through Smart Passbook and Internet Banking facilities

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Sendewa
Category Indicative Rate (P.A)
Senior Citizens 3.75%

Features
Elders of our society is special for us and we need give our hands to go their way without fall.
he bank launches an special Savings Account for senior citizens with a preferred rate of interest call “Sandawa”.
Preferential interest rate calculated on the daily minimum balance and credited monthly.

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HDFC Vishrama Rekawarana
Category Indicative Rate (P.A)
Senior Citizens 7.72%

Features
The most important feature is that even a small investment like Rs.100/- would benefit the investor with the highest interest return.
HDFC Vishrama Rekawarana would be in a position to offer Housing loans to its investors, after a 10 – 15 year period of accumulation of funds.
Ability to take 70% of the prevailing balance as an instant loan.
Minimum Initial Investment can begin with Rs: 1,000/- with flexible amounts of investments added thereafter. Subsequent investments after the initial deposit could be even as small as Rs: 1/- or even 50 cents. Please visit the nearest HDFC Bank branch.

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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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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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MUTHUSINA
Category Indicative Rate (P.A)
Children Savings 5.25%

Features
Attractive interest rate / Stability and being a state owned bank
Attractive gift scheme / Rewards on educational achievements
A minor savings account holder may be eligible for loan facilities once he/she becomes a major, at the interest rate that is 1% lower than the prevailing rate of the particular product (Conditions apply)
A special donation will be granted from the Bank to the account holder, if the child suffers any illnesses as listed in the product (Conditions apply)

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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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DFCC Garusaru
Category Indicative Rate (P.A)
Senior Citizens Contact Bank

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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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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FCY SAVINGS ACCOUNT
Category Indicative Rate (P.A)
Non-Resident Foreign Currency Accounts (NRFC) Contact Bank

Features
Multiple currencies to choose from (USD, GBP, EUR, AUD, JPY and SGD)
Attractive profit rates (click here for latest profit rates paid)
E-Statement and E-mail banking Facility
Remit money directly to account through Lanka Money Transfer (LMT) Services
Advance Payment Guarantees

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Sisu Udana
Category Indicative Rate (P.A)
Children Savings Up to 4.25%

Features
Cash awards & Educational value gifts for the child
2% Bonus interest over normal savings accounts
Free Scholarship Seminars (Sinhala/Tamil)
For all new accounts, the bank will contribute the initial deposit of Rs.250/- to open the account
Special cash awards for children that excel at the grade 5 scholarship, G.C.E O/L and A/L examinations
Ability to open the account at school Sisu Udana Savings Units

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

Features
Preferential interest rate of 4.0% on Nations Prabuddha Senior Citizen Savings Account.
No penalties on pre-mature upliftment of fixed deposits for medical emergencies
Option to open the savings account jointly with spouse or children.
A loan facility up to a maximum of 15 times of the monthly pension.
Credit Card facility*
Nations MasterCard Shopping Debit Card

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

Features
First cheque book issued free of charge
Free Visa Debit/Shopper card
50% waiver on annual fees, registration fees for Master and Visa credit cards
50% reduction on commission for the issue of drafts and execution of standing orders
50% reduction on documentation fee for loan facilities of Rs. 1.0 Mn and above
50% reduction on rental charged (1st year only) for safety lockers
Singithi Kirikatiyo minor savings accounts for your children (up to three months of age) with a bank contribution of Rs. 1,000/-
Free life insurance cover under the Lifeline Insurance scheme

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

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

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Champion Saver
Category Indicative Rate (P.A)
Special Savings Up to 8.00%

Features
Higher interest rate
Withdraw cash from any ATM island wide
Begin with a deposit of Rs.1,000/-
VISA enabled international Debit card
SMS alerts for your transactions | Internet banking
A passbook or online bank statement
Nominate an account beneficiary | Standing Order facility
Interest is calculated on daily balance and credited monthly

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Capital Savings
Category Indicative Rate (P.A)
Special Savings Up to 7.50%

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

Features
Current Account with a cheque book | First cheque book will be issued free of charge
A preapproved credit card with a limit of LKR 100, 000/- or more | Visa Debit card | Salary Advances
An NDB Wealth Money Plus Fund | Dream Maker loan facility
E-Statement /consolidated e-statement | Mobile banking facility
Internet banking facility | Physical Printed statement | Island wide ATM network

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

Features
Branded Chequebook | Priority Service | Free Internet Banking (Annual Fee waived off)
Free Digital Banking App (Annual Fee waived off) | Free HNB Alerts (Includes alerts on cheque related transactions)
Special rates on SME Loans and Leases | Special rates on Home Loans
Special rates on Personal Loans | Special rates on Personal Leases
Discounts on documentation charges for selected Loan Facilities
Set-up fee waived off for Standing Orders favouring HNB Accounts

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Savings Account
Category Indicative Rate (P.A)
Regular Savings Up to 4.50%

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

Features
Customers can open the account and send deposits monthly every three months or bi-annually.
Benefits can be obtained once he or she completes the age of 55. This can be extended till the age of 60.

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Kids Savings
Category Indicative Rate (P.A)
Children Savings Up to 4.50%

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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Savings Planner
Category Indicative Rate (P.A)
Salary Savings Up to 12.00%

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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Children's Savings Accounts
Category Indicative Rate (P.A)
Children Savings 5.86%

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

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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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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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Personal Foreign Currency Account (PFCA)
Category Indicative Rate (P.A)
Resident Foreign Currency Accounts (RFC) 2.25% (USD)

Features
Any outward remittance.|Special interest rates for PFCA fixed deposits.
Instant Loan /overdraft facilities against foreign currency balance in PFCA accounts.
Credit Cards and other related benefits (Travel Insurance, Ultra Miles).|Debit Card and SMS Alertz service.
Fund transfers between PFCA, BFCA or offshore Banking accounts.
Existing NRFC/RFC/RNNFC/NRNNFC accounts re-designated to PFCA

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

Features
Singithi Account holders passing grade 5 scholarship examination obtaining the cut off marks will be eligible to receive a cash reward of Rs.10,000.
Top 100 applicants will receive a cash reward of Rs.25,000 when they excel well in GCE O/L and London O/L examination. (90 rewards for GCE O/L and 10 Rewards for London O/L)
Top 50 applicants will receive a cash reward of Rs.25,000 when they excel well in GCE A/L and London A/L examination. (45 rewards for GCE A/L and 5 Rewards for London A/L)

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High Return Saver
Category Indicative Rate (P.A)
Special Savings Up to 12.50%

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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DFCC Xtreme Money Market Account
Category Indicative Rate (P.A)
Special Savings Contact Bank

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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PAS AVURUDU ACCOUNT
Category Indicative Rate (P.A)
Senior Citizens Up to 7.00%

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

Features
Immidiate encashment of cheques from any branch, even if you are not
Deposit cash from our CDM’s 24/7/365 days and enjoy the convenience of self banking, mobile banking and, internet banking services
Customized cheque books | Free SMS alerts for all transactions
Free monthly e-statements | Mobile banking, & internet banking facilities
Minimum charges (Service charge and other relevant charges)

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Ladies 1st
Category Indicative Rate (P.A)
Women's Saving 2.50%

Features
Higher interest rate than the normal savings.
Branded Pass book and branded Visa Debit card.
Loans on discounted rates of 0.25% below the current rate- Personal Loans / Housing Loans / Vehicle Loans / Leasing Facilities

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

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

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

Features
Accessibility of your account from any branch in the country.
No commissions charged on local cheques.
Ultimate versatility in paying bills.

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Yasasa Pensioners'Savings Account
Category Indicative Rate (P.A)
Senior Citizens Up to 3.00%

Features
You will receive a higher interest rate.| A free Debit Card will be offered with year round attractive discounts.
You can get an advance of up to 75% of your monthly remitted pension. (Subject to a maximum limit of Rs. 50,000/-)
You can apply for a Pensioners’ Loan up to 3 Mn with a longer repayment period up to 10 years (The Pensioner needs to be below 74 years of age to be eligible for this facility).
A ComBank International Credit Card could be offered to you with joining fee and 1st year annual fee waived off.
You can open either a Statement Savings or a Pass Book Savings Account according to your choice
You can appoint a Nominee for your account.
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.

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Sarani
Category Indicative Rate (P.A)
Children Savings 5.25%

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

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Pension Saver
Category Indicative Rate (P.A)
Special Savings 3.91%

Features
Free initial Visa Debit Card with SMS alerts facility | Vehicle Leasing and Home Financing facility*
Higher profit sharing ratio | Free issuance of Pay Orders for government organizations
Priority services at branches | Eligibility for Easy Payment Plan facility*
Access to higher profit sharing ratio on Senior Citizen 12 months Term Investment Accounts (monthly profits)
Free of charge withdrawals at Amãna Bank ATMs and discounted charges at Commercial Bank ATMs
50% discount on Demand Draft issuance charges for professional bodies
Rs. 250/- Pre loaded voucher for Children’s Savings accounts introduced

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“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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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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Ladies Savings Accounts
Category Indicative Rate (P.A)
Women's Saving 3.42%

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

Features
Any outward remittance.
Special interest rates for PFCA fixed deposits.
Instant loan /overdraft facilities against foreign currency balance in PFCA accounts.
Credit Cards and other related benefits such as Travel Insurance and Ultra Miles(conditions apply).

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

Features
Special customer oriented savings account for the customers who are unable to visit the bank-
due to the hectic nature of their business lives.
Being a customer for a considerable period of time Sri Lanka Savings Bank-
allows them to apply for a quick micro finance loan.

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Children's Savings Planner
Category Indicative Rate (P.A)
Children Savings Up to 13.00%

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

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

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

Features
And additional Interest of 0.25% when balance exceeds Rs. 100,000/-
Priority given to “Aswenna “ Loan scheme.
Interest will be calculated on daily basis and credited to the account monthly.
Interest rate 0.5% higher than the normal savings interest rate.
0.5% concessionary Interest rate for Pawning

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Outward Investments Account
Category Indicative Rate (P.A)
Resident Foreign Currency Accounts (RFC) Contact 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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RDB Liya Saviya
Category Indicative Rate (P.A)
Women's Saving Contact Bank

Features
Bank provides consultancy services for women who contribute to the country’s economy through self-employment.
Bank is organising The Best Women Entrepreneur Islandwide Competition and RDB Liya saviya account holders are entitled to enroll in this competition.
Bank provides consultancy services for women who contribute to the country’s economy through self-employment.
national level workshops are conducted every year for women entrepreneurs, parallel to International Women’s Day.

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Reverse Planner
Category Indicative Rate (P.A)
Salary Savings 12.00%

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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Jana Jaya
Category Indicative Rate (P.A)
Special Savings 3.00%

Features
Attractive rate of interest
Leasing facilities for procuring industrial machinery and vehicles
Loans for building or purchasing your own home and household items
Loan facilities for household items and building or purchasing a home.
Leasing facilities for procuring industrial machinery and vehicles.
Mobile banking, voice banking app & internet banking facility.

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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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Money Market Savings Account
Category Indicative Rate (P.A)
Salary Savings Up to 16.00%

Features
Savings account with a tiered basis interest option
E-statement / Normal Statement account | Internet banking | Any number of withdrawals is permissible
SMS Alerts | 365 day banking at selected locations.

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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

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Senior Citizens Scheme
Category Indicative Rate (P.A)
Senior Citizens 3.50%

Features
Higher interest rates on savings and fixed deposits
No service charges on current accounts | Priority service
Free HNB International Debit Card
Internet/Mobile Banking Free (01st Year)
Gift Vouchers up to Rs. 10,000/-for Savings Accounts maintained for a period of one year
Reimbursement of Hospitalization expenses upto Rs. 70,000/- for Fixed Deposits above Rs. 500,000/-

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

Features
The child today is a leader tomorrow.. That is why we should teach them the good habit of saving.
Buhuti is a special savings account designed to inculcate the habit of savings during the childhood.
Preferential interest rate calculated on the daily basis minimum balance and credited monthly.
Special gift scheme offer time to time.
Cash will not be allowed to withdraw until the child attains 18 years old except for educational or critical medical requirement.

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

Features
Account can be opened from even Rs. 100/- .
In the event of the depositor’s demise or becoming permanently disabled before completing the deposit plan, the guaranteed sum will be paid to the beneficiary at the maturity of the investment.
You can choose a optional monthly deposit amounts as 100/-, 500/-, 1000/-, 1500/-, 2000/-, 2500/-, 3000/-, 3500/-, 4000/-, 4500/- and 5000/-
There are also four options available in selecting the initial monthly deposit period. It can be 2 year, 3 year, 4 year or 5 year deposit plan which can be chosen by the basis of the child’s age.
Account holders who fall within the district highest marks earning 10 students in Year 5 scholarship program will be given scholarships worth Rs. 10,000/- each
Account holders who fall within the district highest marks earning 10 students in O/L examination will be given scholarships worth Rs. 25,000/- each
Account holders who fall within the district highest marks earning 10 students in A/L examination will be given scholarships worth Rs. 50,000/- each.

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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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2in1 Account
Category Indicative Rate (P.A)
Other Current Account Contact Bank

Features
Any amount exceeding Rs.10,000/- in the current account will be transferred to your saving account to earn a productive return
Interest calculated on a daily basis and enjoy compound interests(added weekly)
Entitle yourself for “Mega Rewards” | Avail yourself for our debit card promotions.
Convenient Banking with –Island wide Branch Network , ATM network, Cash Deposit Machines & 365 day Banking
Easy – access Banking- Internet Banking/ SMS Alert/ Mobile Banking

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Sampath EXPAT Account (SEA)
Category Indicative Rate (P.A)
Non-Resident Foreign Currency Accounts (NRFC) Contact Bank

Features
An internationally accepted Credit Card from Platinum Category or above with joining fee and 1st year annual fee, waived off
Supplementary Credit Card for immediate family members with joining fee and 1st year annual fee, waived off
Eligibility for all local and overseas offers valid for your respective Sampath Credit Card.
Sampath Vishwa Online Banking facility with 1st year annual fee waived off for accounts opened until 1st April 2021.
Slab-wise Cash Back benefits by maintaining the minimum, average balance in your SEA.

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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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FC Children’s Savings Account
Category Indicative Rate (P.A)
Non-Resident Foreign Currency Accounts (NRFC) 3.50%

Features
You can save for your children in foreign currency with attractive interest rates.
Account can be opened with US Dollars, Sterling Pounds, Australian Dollars and Euros.
A higher interest rate will be offered than the rate offered for Personal Foreign Currency Accounts.

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Union Bank Invest Plus
Category Indicative Rate (P.A)
Special Savings Contact Bank

Features
Flexibility to invest monthly or as a lump sum
Investment options from a minimum of Rs. 100,000 to maximum of Rs.10 million
Guaranteed interest rate at time of opening the account. | Online banking facility

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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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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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DFCC Junior Account
Category Indicative Rate (P.A)
Children Savings Contact Bank

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 Accounts
Category Indicative Rate (P.A)
Resident Foreign Currency Accounts (RFC) 1.00%

Features
You can apply for Sri Lanka rupee or foreign currency loans & advances at concessional rates. This facility enables you to retain the foreign currency deposits intact.
Arrangements can be made for a member of your family or friend to operate this account on your behalf.
You will receive the option of appointing a nominee, to whom the funds in the account are to be paid, in the event of death of the account holder.
Standing orders are effected without any commission.
You can switch from one currency to another at competitive exchange rates.
Above all you will receive our personalized service.

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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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Salary Saver
Category Indicative Rate (P.A)
Salary Savings Up to 5.75%

Features
Credit Card :Joining fee waived off | Annual fee waived off
International Debit Card : Joining fee waived off
Personal Loans : 50% off on Personal Loan processing fee (for primary applicant only)
Standing Orders : 50% off on processing fee
Internet Banking : Free (for primary applicant only)
SMS Alerts : Free (for primary applicant only)

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Mithuru MAX
Category Indicative Rate (P.A)
Children Savings Up to 5.75%

Features
An exciting gift item for the child, based on the balance in the Pan Asia Mithuru MAX account.
Rs. 1,000/- Saving till | Rs. 2,000/- Pencil box | Rs. 5,000/- Lunch box &water bottle (hot & cold)
Rs. 10,000/- School bag | Rs. 25,000/- Kids scooter or smart watch |
Rs. 50,000/- Remote controlled helicopter or Bluetooth speaker | Rs. 100,000/- bicycle
Rs. 250,000/- Self-balancing scooter or tab
Rs. 500,000/- Sony PlayStation (PS4) or laptop
(Gifts will be issued until the child turns 13 years of age)

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

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

Features
Personalised cheque book.
Cheque clearing offered on cheques deposited up to 4 pm, with proceeds credited to the account the following day before 4 pm