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
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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Money Market Savings Account
Category Indicative Rate (P.A)
Salary Savings Up to 9.00%

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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Cargills Cash Savings Account
Category Indicative Rate (P.A)
Special Savings 3.50%

Features
For the first time in Sri Lanka, you can deposit and withdraw cash at any Cargills Food City outlet and purchase goods using your mobile phone.
You can Send Cash instantly to any mobile phone, and Withdraw Cash from any Cargills Food City outlet.
You get guaranteed Cash, at any Cargills Food City outlet.
You can access your bank account securely and instantly, anytime, anywhere and on any day.
You have the utmost convenience, whether you are at home or out shopping.

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

Features
Retirement benefit - multiples of Rs. 10,000/- (credited monthly)
One-time lump sum payment or monthly contribution
Option to choose your retirement plan

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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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Target Investment Plan (Teens)
Category Indicative Rate (P.A)
Children Savings Up to 12.50%

Features
Maximum flexibility and transparency – customers can select an investment plan that yields the desired amount at maturity to fulfil the child’s requirement.
Start your child’s investment plan with a monthly investment as low as Rs. 500.
Flexibility to select a suitable investment plan from 1, 2, 3, 4 and 5 years.
Attractive and guaranteed interest rate throughout the investment period.

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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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Pension Saver
Category Indicative Rate (P.A)
Special Savings 4.84%

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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Harasara Savings
Category Indicative Rate (P.A)
Senior Citizens Up to 2.50%

Features
Branded International Harasara Debit Card with wide range of offers. | Enjoy Seylan Mega Rewards Benefits.
You can choose from a passbook / statement / e-statement for your convenience.
For Pensioners; Pension Loan upto LKR 5.00Mio.
Assign your pension to Seylan Bank and enjoy “Utility Bill Payment” upto LKR 5,000.00 on an one-off basis for only one bill.
Enjoy Banking from home with Seylan Internet Banking/ SMS Alert/ Mobile Banking.

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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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PAS AVURUDU ACCOUNT
Category Indicative Rate (P.A)
Senior Citizens 9.00%

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

Features
The currency, in which the account maintained, can be converted to any other designated currency at the discretion of the account holder.
Can be opened individually, jointly or under business.
No exchange risk if placed in foreign currency.
Reconversion of Sri Lankan Rupee investments to any designated foreign currencies.
View details via Internet and Mobile banking.

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SDB Uththamavi
Category Indicative Rate (P.A)
Women's Saving Up to 3.25%

Features
Multiple convenient digital banking platforms such as SDB Mobile App, SMS Banking, Business Internet Banking, UPay and mCash
A special interest rate of up to 6% per annum
An 1% concessionary rate for pawning
A SDB Dayada Children’s Investment Certificate on the birth of a child OR a voucher worth Rs. 4,000/= to purchase clothing / footwear or training / instruments for account holders who maintain an account balance of Rs 100,000/- for 24 months
Capacity building and financial literacy programs for account holders
SDB VISA debit card that can be used at any SDB ATM or any other VISA ATMs across the country. The debit card can also be used to purchase goods and services at any VISA merchant outlet island-wide.

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

Features
Specially designed personalized Cheque book
Credit Card with no joining fee and offer a minimum Rs. 100,000/- credit limit
Air tickets made available at special rates at BOC Travels (Pvt) Ltd
BOC Smart Online Banking facility & B app facility
Smart Passbook and SMS alerts
Housing Loans, Personal Loans, Leasing facilities etc. available at attractive terms

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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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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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Udara Senior Citizens Account
Category Indicative Rate (P.A)
Senior Citizens 3.00%

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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NDB Zee
Category Indicative Rate (P.A)
Teen / Youth Savings Up to 3.00%

Features
Ability to open the account online securely and hassle free from wherever you are without having to enter a branch through our VKYC verification process using AI technology.
Attractive, customized debit card | Ability to open the account with Rs. 2,500/- as the initial deposit
A special reward/gift on your 21st birthday * | A special reward of Rs. 25,000 on your wedding *
Access to Education loans | NDB Zee account holders who remit the salary for 6 months will be eligible for a salary advance repayable in 1 year.
Special discounts via Debit/Credit cards on Dialog/Daraz/Gym memberships

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Accelerate Savings Account
Category Indicative Rate (P.A)
Special Savings Up to 2.50%

Features
Accelerate your progress in life through a range of special loans, free rewards and exclusive merchant offers for your branded debit card and many more from Seylan Accelerate saving account.

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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
Quick cheque realization. (Immediate cheque realization for BOC cheques)
No commission charged for outstation cheque clearance
Personalized cheque book.
One day cheque book delivery system.
Internationally valid Debit card for personal current account holders.

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Seylan Ihalin Ihalata Account
Category Indicative Rate (P.A)
Special Savings Up to 3.00%

Features
Unlimited Withdrawals
Cash Back Loan of 90% of account balance*
FREE International Debit Card*
24 hour access to your account though island wide ATM network

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Minor Savings Account
Category Indicative Rate (P.A)
Children Savings 4.00%

Features
Access bonus interest as you save more.
Interest calculated daily and paid monthly.
Easily show your child their savings progress with internet banking.
Encourage them to take control of their savings and spending while they are young.
Build independent and financial discipline.

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BOC – SmartGen Account
Category Indicative Rate (P.A)
Special Savings Up to 3.50%

Features
A passbook-free account
Free BOC Smart Online Banking/ Bapp access instantly
Instant SMS alerts on transactions
Monthly e-statements
Customer photograph and the signature will be captured digitally
Instant account opening
An activated Debit card is given at the time of account opening

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DFCC Aloka
Category Indicative Rate (P.A)
Women's Saving Up to 4.25%

Features
High Interest tiered savings account - As you increase the savings account balance maintained in the DFCC Aloka savings account you are able to earn a higher rate of return.
Branded Debit card with Joining fee and the 1st-year annual fee is waived off. This card will entitle/allow you to attend all programs organized by DFCC Bank for Aloka customers.
Free ATM withdrawals from over 3000 ATMs at DFCC and Lanka Pay.
You will be benefited for a life insurance cover up to 10 times for your account balance maintained in the account prior to 6 months of the occurrence of event.
Personal Financial Services.
MSME/SME business Consultation through DFCC Business Consultants (Pvt) Ltd
Free ATM withdrawals from over 3000 ATMs at DFCC and Lanka Pay.
DFCC Ranwarama – Preferential Interest rates on all your pawning transactions

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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 areas located away from Colombo.
Receive immediate SMS Alertz of the cheque transactions on your mobile.
Immediate overdraft (OD) through the FLEXI facility which links all your Sampath Savings Accounts to your Sampath Current Account.
Sampath current account cheque book can be received instantly, without any additional charges.
Make immediate payments for all utility bills at any time, through our wide network of ATMs and our user-friendly internet banking solution – Sampath Vishwa.

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

Features
IIA is an account that could be opened by Non Residents, resident /non resident foreign nationals in designated foreign currencies or in Sri Lankan Rupees for the purpose of investing in permitted investments in Sri Lanka.
Types of IIAs that could be opened : - Savings Accounts , Current Accounts without the cheque book facility , Fixed Deposits
Accounts could be maintained in Sri Lankan Rupees of any designated foreign currency

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

Features
You will be offered with a ComBank Debit Card free of charge
Personal Loans, Home Loans and Leasing facilities will be offered to you at concessionary interest rates
You can get a salary advance facility up to 75% of the monthly salary (maximum of Rs.300,000/-)
A Credit Card will be issued without joining fee and 1st year annual fee.| Only Statement accounts are allowed.
ComBank Digital - Registration fee and first year annual fee waived off.| Mobile Banking facility - Free of charge.
Debit Card - Personalized or instant card.| SMS alert facility - Registration fee waived off.
e-Passbook facility - Free of charge.| e-Statement facility - Free of charge.
Interest will be calculated on the daily balance and credited to your account 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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BOC Haritha Kekulu
Category Indicative Rate (P.A)
Children Savings 4.00%

Features
Higher interest rate of 1.5% above the normal savings rate
Medical Insurance cover for the account holder*
Life insurance cover for the account opening parent/guardian*
E-statement /Smart Passbook facilities to view account balances and transactions
Free SMS Alert Facility

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

Features
All existing Securities Investment Accounts (SIAs) and Special Foreign Investment Deposit Accounts (SFIDAs) opened and maintained in foreign currencies and in Sri Lanka Rupees have now merged and re-designated as Inward Investment Accounts (IIAs).

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

Features
An Isuru Udana savings account can be opened by a parent or guardian.
1% bonus interest over normal savings accounts
The unique feature of this account is the Isuru Udana gift voucher
A range of educational gifts to support child development
Gift vouchers to open the account or to be deposited into existing accounts
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.

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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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Power Bonus Account
Category Indicative Rate (P.A)
Special Savings 2.50%

Features
This is a specialized savings account that pays you a quarterly bonus on interest earned.
You can earn 60% bonus on the interest of your account, based on conditions applied for withdrawals.
Interest will be calculated on the daily balance and credited to your account monthly.
Your money is freely available for withdrawals or transfers. No prior notice is required. There is no minimum period for deposits.
Mobile Banking facility - Free of charge.| SMS alert facility - Registration fee waived off.
e-Passbook facility - Free of charge.| e-Statement facility - Free of charge.

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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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NSB Sthree
Category Indicative Rate (P.A)
Women's Saving 3.00%

Features
Every woman desires a comfortable life. National Savings Bank offers all women a chance to fulfill their dreams by offering “Sthree” – the savings plan designed exclusively for women
It is a savings scheme, which will lend you a hand to shoulder your responsibilities and to become the heiress to a better tomorrow.
A cash prize of Rs. 10,000/- as a wedding gift | Free “prarthana” certificate with a face value of Rs. 50,000/- for a baby.
ATM / MasterCard or Visa Debit / Shopping Card facility.| A cash prize of Rs. 1,500/- for the first graduation.| A cash prize of Rs.10,000/- for 25th wedding anniversary

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Personal Foreign Currency Account
Category Indicative Rate (P.A)
Resident Foreign Currency Accounts (RFC) 1.75%

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

Features
Attractive interest rates for account balances of Rs.2,000/- & above (See Interest Rates)
Special interest for balances over the following slabs - Rs.25,000/- and Rs.50,000/-
FREE - Personal accident insurance cover upto Rs.200,000/- (Terms & Conditions apply) | Cash withdrawals at any Union Bank ATM (See ATM Network) | SMS alerts | Utility bill payments at branches
Housing & Personal loans at attractive interest rates (Terms & Conditions apply)
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(interchange fees apply at other Bank ATMs)

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Nations Saver
Category Indicative Rate (P.A)
Regular Savings 2.00%

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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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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RDB Dorin Dora
Category Indicative Rate (P.A)
Special Savings Contact Bank

Features
It saves the inconvenience of having to come to the branch several times for banking transactions.
The Dorin Dora service is not only limited to collecting deposits, but has also helped the target clientele to obtain loans for development purposes, service the loan account and pay the installments and interest promptly at their convenience.
In addition, utility bill payments can be settled through this service.
This unique service has helped many small-scale entrepreneurs and individuals to build-up healthy account balances over periods of time without much effort and hassle.
In addition, these transactions are carried out via electronic portable hand held devices and the transaction is automatically updated to the Bank’s system.

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Target Investment Plan
Category Indicative Rate (P.A)
Special Savings Up to 12.50%

Features
Guaranteed Interest Rates / Returns; The higher interest rate agreed upon at the beginning of the plan will remain throughout the investment period.
Maximum flexibility and transparency; Customers can select an investment plan that yields the desired amount at maturity
You have the option to select from 1, 2, 3, 4 and 5 year investment periods
Start your investment plan with an investment as low as Rs.500

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SDB Jawaya
Category Indicative Rate (P.A)
Teen / Youth Savings Up 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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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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Singithi Kirikatiyo - below 5 years
Category Indicative Rate (P.A)
Children Savings 6.00%

Features
High interest rate
Gifts on your child's birthday
A free deposit of Rs.1,000 at the time of opening the account
The Singithi Kirikatiyo Account is specially designed for children under the age of five years and is the best gift you can give your precious new born.

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

Features
Higher rate of Interest than the normal savings account rate
Internationally acceptable debit card E-commerce active
BOC Smart Online Banking facility & BApp

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Kantha Ran Ginum
Category Indicative Rate (P.A)
Women's Saving 3.00%

Features
Higher Interest rate above normal savings interest rate
Free Life Insurance Cover
Debit card :- Internationally acceptable debit card | E-commerce active | BOC Credit Card without joining fee*
Low-interest loans*
Instant loans up to 90% of the account balance
Leasing at reduced interest rate (0.5% concession)*
Ran Surekum Pawning facility at reduced interest rate (0.5% concession)

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Money Market Account
Category Indicative Rate (P.A)
Salary Savings Up to 10.00%

Features
Interest shall be calculated daily and credited monthly.
Monthly statements shall be issued.
Interest rate will be revised on every week.
No limits on withdrawals

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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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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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Nations Mega Saver
Category Indicative Rate (P.A)
Special Savings Contact Bank

Features
An attractive tiered interest rate structure
Get your interest paid on daily available balance and credit it monthly
ATM withdrawals free of charge from all Nations Trust ATMs island wide and charges applicable for other bank ATM withdrawal
Enjoy free Internet Banking, you pay nothing for setting up
Finally open up joint accounts as you choose
Now you can open a Nations Mega Saver account via Nations Mobile App

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Sampath 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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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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Ultra Saver
Category Indicative Rate (P.A)
Special Savings Up to 3.75%

Features
Higher interest rate for account balances of Rs.5,000/- & above
Attractive special interest for balances over the slabs on Rs.50,000 and Rs.500,000
Free Personal accident insurance cover upto Rs.200,000/-,
Free Cash withdrawals at any Union Bank ATM, SMS alerts, and Utility bill payments at 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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HNB TEEN +
Category Indicative Rate (P.A)
Teen / Youth Savings Contact Bank

Features
Minimum initial deposit of Rs. 1,000 / High interest rate on Savings
Branded HNB TEEN+ Tap & Go Debit Card / Debit card personalization on request
Free Digital Banking facility / POS, Online & IPG payments
Special seasonal discounts and offers on debit card transactions
ATM cash withdrawals / SMS alerts for transactions / e-Statement facility

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Money Market Account
Category Indicative Rate (P.A)
Salary Savings Up to 10.00%

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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Capital Transaction Rupee Account (CTRA)
Category Indicative Rate (P.A)
Special Savings Contact Bank

Features
All existing Non- Resident Rupee Accounts (NRRAs), Non- Resident Blocked Accounts (NRBAs) and Migrant Blocked Accounts (MBAs) have now merged and re-designated as Capital Transactions Rupee Accounts (CTRAs).

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

Features
Type of accounts - Personal and Joint Accounts
Entitle yourself - for "Mega Reward" scheme by maintaining a minimum balance of LKR 20,000/-
24/7 access- you can access your account anytime, anywhere with our "Internet Banking" / "SMS Banking" / "Mobile Banking"
Cheque Book Facility
Convenient Banking with ? Island wide Branch Network & "ATM network"& 365 day Banking
Free Monthly Statement Facility
Visa Debit Card- A secured and quick method of buying goods and services.
Make bulk payment easy with Seylan Payroll
Register for E-Statement- view your statement on the go even on your Smart phone

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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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SET FOR LIFE
Category Indicative Rate (P.A)
Teen / Youth Savings 7.72%

Features
With investments, the earlier you start the more you earn and the better you become in creating wealth. SET FOR LIFE helps you not only to become a master at investing, but it gives you a whole host of benefits.
SET FOR LIFE yields’ above the market’ interest earnings greater than Treasury Bill and monthly Fixed Deposit rates prevalent in the market.
Greater Flexibility | In the event of the demise of the original investor, the nominee is entitled to the accumulated amount.
A loan can be obtained of up to 70% of the accumulated amount instantly.
SET FOR LIFE will provide a life cover of Rs.500,000/- one year from the date on which the account balance reaches Rs.250,000/- or more.
It entails the full protection of a state bank.

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

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

Features
An HNB Youth Savings Account with higher interest rates.
Free internet and mobile banking facility with HNB Digital Banking App
HNB Credit Card with no joining fee and first year annual fee waived off
Educational, Home, Vehicle and Entrepreneurial Loans at lower interest rates
Get 3 times of your salary as an Overdraft facility or a Personal Loan with the HNB Youth Salary Smart Account.
An HNB Minor Savings Account (Singithi Kirikatiyo) with a free deposit of Rs. 1,000 for your newborn baby.

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Sampath FC Prime
Category Indicative Rate (P.A)
Resident Foreign Currency Accounts (RFC) Up to 3.99%

Features
Initially accounts will only be offered in USD
Higher interest rate than conventional rates offered on foreign currency savings accounts
Bonus interest for the average balance maintained in your account on base interest

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

Features
Low minimum opening deposit of Rs.2,000
Visa International Debit Card
Immediate loan facilities of up to 90% of the balance
Access to over 780 self-service machines and 252 customer centres
Internet and Mobile Banking access
Track your account transactions using monthly e-statements or passbook

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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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Ran Kekulu Smart
Category Indicative Rate (P.A)
Children Savings 4.00%

Features
Higher interest rate than the normal savings accounts
Medical Insurance cover for the account holder*
Life insurance cover for the account opening parent/guardian*
Scholarships for Grade 5 Scholarship high achievers
Specially designed Electronic Card
Smart Passbook facility to view account balances and transactions
Free SMS alerts

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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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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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RDB Kekulu
Category Indicative Rate (P.A)
Children Savings Contact Bank

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

Features
The Normal Savings account has been introduced for any customer without segmentation to deposit their money as much as they can.
A person who expect to get a Loan facility need to open a Normal Savings Account.
Interest rate calculated on the daily basis minimum balance and credited monthly.

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Nations Max Bonus
Category Indicative Rate (P.A)
Special Savings 2.50%

Features
An account that gives you maximum benefits with Bonus Interest Rates
A life cover of Rs. 100,000 and a critical illness cover of Rs. 25,000
Overdraft facility
Free internet banking, and mobile banking facility
Nations Shopping Debit Card
Now you can open a Nations Max Bonus account via Nations Mobile App

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

Features
No charges on cheque redeposit
No charges on outward cheque returns
Printing the year on which the customer opened the account (e.g. “Customer since……..”)

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

Features
The currency in which the account maintained can be converted to any other designated currency at the discretion of the account holder.
No exchange risk if placed in foreign currency.
Re-conversion of Rupees to any designated foreign currencies.
Securities Investment Accounts (SIAs) and Special Foreign Investment Deposit Accounts (SFIDAs) have been re-designated as IIA.

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NSB I'm
Category Indicative Rate (P.A)
Teen / Youth Savings Up to 3.50%

Features
An attractive tiered interest rate. | Up to 80% savings as a Loan.
Master / Visa ATM Debit Card.| Free Internet Banking Facility.
Standing Order Facility. | Scholarships for University Students
Special Gifts when the account holder reaches 21 years of age and on Childbirth*
Career Guidance Programmes for A/L Students.

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Seylan Income Saver Savings Account
Category Indicative Rate (P.A)
Special Savings Up to 3.00%

Features
1%p.a. additional interest rate if account balance exceeds LKR 50,000/-
Personal Loan upto 12 times your total Income*
Housing Loan*
Credit Card*
Free Internet Banking/ Mobile Banking for the 1st Year
Free Visa Multi Currency Travel card with travel insurance*
Seylan Mega Reward*

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