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

Features
Guaranteed Sum : Make a one-time single deposit and your child will receive an Entitlement Certificate ensuring the guaranteed amount when they reach 18 years of age, regardless of interest rate fluctuations.
Maturity Certificate : A Maturity Certificate will be issued at account opening, providing documentation of the guaranteed value your child will receive.
Flexible Deposit Options : Choose the deposit amount based on your preferences and financial capabilities. The guaranteed amount depends on deposit value, period, and age of child.

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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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Marathon Saver
Category Indicative Rate (P.A)
Special Savings Up to 2.50%

Features
Open an account with a minimum initial deposit of just LKR 50,000.
No monthly maintenance fee
A secure and convenient way to access your account information instantly at any time anywhere.
Do all your banking transactions online form home, office, or on the move. Simply log in!.
Access your statements at your convenience while contributing to help save the trees.

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

Features
Encourage teenagers to save while controlling their spending.
Builds independence and financial discipline among teenagers.
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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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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HNB TEEN +
Category Indicative Rate (P.A)
Teen / Youth Savings 2.50%

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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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
Personalized cheque books immediately
Easy access to your account from anywhere you are, simply through our Mobile and Online Banking facility
Our “Cargills Cash” service that allows you the convenience of simply depositing to your account through over 477 Cargills Food City outlets islandwide, open from 8 to 10, 365 days of the year

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

Features
High Returns : Delivers returns that are well above the market's interest rates
Adjusted for Inflation : Automatically adjusts to inflation, ensuring that the interest rate increases accordingly.
Greater Flexibility : There are no fixed installment requirements. Start with Rs. 2000 and deposit any amount on a daily, weekly, monthly, annual, or lump sum basis.
Nominee : The nominee is entitled to the accumulated amount, should the unforeseen occur.
Loan Benefits : Obtain a loan of up to 70% of the accumulated amount instantly, providing you with additional financial flexibility.

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Target Investment Plan
Category Indicative Rate (P.A)
Special Savings Up to 10.00%

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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My Dream Account
Category Indicative Rate (P.A)
Children Savings Up to 2.50%

Features
Open an account with a minimum initial deposit of just LKR 25,000.
A secure and convenient way to access your account information instantly at any time anywhere.
Do all your banking transactions online form home, office, or on the move. Simply log in!.
Access your statements at your convenience while contributing to help save the trees.

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Personal Foreign Currency Accounts
Category Indicative Rate (P.A)
Resident Foreign Currency Accounts (RFC) 1.25%

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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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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Isuru Minors' Savings Plan
Category Indicative Rate (P.A)
Children Savings 9.00%

Features
Isuru Minors’ Savings Plan is the ideal Investment plan for your child which is easy and a convenient way to save regularly for your child's future.
Your child will receive a guaranteed amount upon he/she reaching 18 years of age.
You can choose either to save monthly or do a one-time single (Lump sum) deposit, as you desire.
Your child will receive an entitlement certificate which assures that he/she will receive the guaranteed amount as he/she reaches 18 years of age, despite any interest rate fluctuations.

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Wishrama Savings Account
Category Indicative Rate (P.A)
Senior Citizens Contact Bank

Features
“Wishrama” Branded Life-time free Debit Card
A Pre-Approved Credit Card
A complimentary gift for New Minor Savings Account
Discount up to 7.5% for prescription medicines at Cargills supermarkets on selected days

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Super Saver Account
Category Indicative Rate (P.A)
Special Savings Up to 3.50%

Features
You can earn higher interest as your deposit value increases.
A loan facility up to 90% of deposit balance at a special concessionary interest rate.
First Debit Card will be free of charge
Commercial Bank Digital Banking facility offered with no registration and first year annual fee. Second year onwards 50% concession on the annual fee.
You have the option of choosing a Statement Savings or a Passbook Savings Account.

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

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 3661 ATMs Island wide.

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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 4.50% 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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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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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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NDB Zee
Category Indicative Rate (P.A)
Teen / Youth Savings Up to 3.00%

Features
Open the account via a video call without walking to a branch
Attractive Interest rates
Attractive customized debit card
Ability to open the account with Rs.2,500/- as the initial deposit
Receive a mobile reward(for any network connection) as the welcome gift*

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Regular Savings Accounts
Category Indicative Rate (P.A)
Regular Savings Contact Bank

Features
Attractive interest rate
Facility to operate the account online from any branch of HBL in Sri Lanka
You can transfer funds inter account
Facility of electronic funds transfer to other bank accounts

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

Features
You can get a cheque book issued as per your requirement
Speedy collection of proceeds of cheques deposits
You can get Pay Order / Bankers Cheque issued from your account
You can avail overdraft facilities
You can issue cheques to effect the day-to-day payments
Handle your payments, remittances, funds transfers, standing orders
Online banking facility for operations in the account at any of HBL Sri Lanka Branches

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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

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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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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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Sampath Sanhinda Saver Account
Category Indicative Rate (P.A)
Special Savings Up to 3.25%

Features
Earn a higher rate of interest.
Interest paid twice a month.
Earn additional interest for foreign currency savings (For USD).
Free medical benefits based on your annual average balance from 1st July till 30th June (12 months period).

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DFCC Savings Goals
Category Indicative Rate (P.A)
Special Savings 5.50%

Features
You can easily add and edit details of your goals at any time
Instalments can be set up daily, weekly, or monthly
Close and withdraw funds from your goal at any time
Minimum Goal of Rs. 10,000
Maximum Goal of Rs. 10,000,000
Goal period of 30 Days to 24 Months

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

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

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

Features
Having 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. Spend your retirement in peace and comfort.
Special interest rate will be applicable

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Smart Teens
Category Indicative Rate (P.A)
Teen / Youth Savings Contact Bank

Features
This is a Transactional account
Special interest rate
Free Pre-printed image debit card
Free SMS Alerts to parents’ mobile number
Free Internet Banking & Mobile Banking to the teen
E-statement to the parent’s email address

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

Features
Personalized cheque book | Weekly/ Monthly / Quarterly Statements
E-Statement facility | VISA Debit Card with SMS alerts
Standing Instruction facility | Sweep in and Sweep out 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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Regular Savings
Category Indicative Rate (P.A)
Regular Savings 2.00%

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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Smart Goals
Category Indicative Rate (P.A)
Special Savings Up to 7.72%

Features
Minimum Savings Period of 3 Years : Save over a period of three years. At the end of this period, withdraw your deposits along with the accumulated interest.
Affordable Account Opening : Open your account with just Rs. 2,000/-
Higher Interest Rates : Competitive interest rates.
Flexibility and Convenience : Deposit any amount of money at any time, allowing you to plan ahead and achieve your targets within the three-year timeframe.
Incentive to Save : Interest is calculated on a daily basis and credited to your Smart Goals account monthly.

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Senior Citizen Savings Accounts
Category Indicative Rate (P.A)
Senior Citizens 4.22%

Features
Higher Profit Sharing Ratio | Priority services at branches
Free ATM/VISA debit card
Access to higher Profit Sharing Ratio on 12 months Term Investments (monthly profits)

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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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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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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.
Ability to operate the account in USD, EUR, GBP, AUD, SGD, Swedish Kroner, Swiss Franc (CHF), CAD, Hong Kong Dollars, JPY, Danish Kroner, Norwegian Kroner, Chinese Renminbi, NZD
The details of this product are in accordance to regulations published by Central Bank of Sri Lanka (CBSL). Thus, the details may change from time to time according to changes in regulations.

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Pension Saver
Category Indicative Rate (P.A)
Special Savings 4.22%

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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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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Ladies Savings Accounts
Category Indicative Rate (P.A)
Women's Saving 3.69%

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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High Return Saver
Category Indicative Rate (P.A)
Special Savings Up to 6.00%

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 530 Cargills Food City outlets, which are open from 8.00 to 10.00.p.m, 365 days of the year.

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Sampath Hit Saver
Category Indicative Rate (P.A)
Special Savings Up to 5.50%

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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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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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.

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Salary Select
Category Indicative Rate (P.A)
Salary Savings Up to 3.75%

Features
Slab based interest rates to encourage higher savings
Credit Card with a guaranteed limit up to 3 times the salary ( Max. LKR 3 Mn).
Free monthly e-statements. / Free online & mobile banking services
Emergency Funding with loans up to 90% on Fixed Deposit and Saving Account balances.
50% off on first year annual fee on safety deposit locker rental.

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Reverse Planner
Category Indicative Rate (P.A)
Salary Savings 7.50%

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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SDB Top Saver Plus Savings Account
Category Indicative Rate (P.A)
Special Savings Up to 6.00%

Features
Attractive interest rates for savings
Greater flexibility to withdraw any number of times without any interest penalties
Interest is calculated on the daily balance and credited monthly
Nominate an account beneficiary
Standing Order facility

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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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HNB Adhishtana
Category Indicative Rate (P.A)
Special Savings 2.00%

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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Salary Max Savings
Category Indicative Rate (P.A)
Salary Savings Up to 2.50%

Features
Remit your salary for 3 consecutive months and get a salary advance or POD equal to your monthly salary
Attractive interest rates on Dream Maker personal loans
Home loan facilities
A credit card with special seasonal benefits
Leasing facilities
Micro loan facilities
NDB Debit card
Standing order facility
Real Saver Account or Araliya savings Account with Bonus interest
Mobile banking facility
E-statement option
Free Internet Banking

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Kidz Saver
Category Indicative Rate (P.A)
Children Savings Up to 6.75%

Features
Attractive interest rates.
Rewards / vouchers at the time of opening the account and as the balance grows ( the option is available to get a cash deposit to the account for the equivalent value)
Automatic conversion of the Kidz Saver to a Savings Account soon after the child reaches 18 years.

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

Features
Interest is calculated daily and credited to your account monthly.
You have the option of choosing a Statement Savings or a Pass Book Savings Account.
Your money is freely available for withdrawals or transfers. No prior notice is required. There is no minimum period for deposits.
You can access your account 24/7 from any part of the country or even from overseas through our automated touch points
Mobile Banking facility - Free of charge.| SMS alert facility - Registration fee waived off.

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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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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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Savings Planner
Category Indicative Rate (P.A)
Salary Savings Up to 7.50%

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 LKR 100,000) and make a lesser monthly commitment
Watch your investment grow via NDB e-statement and Mobile Banking App

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

Features
Open an account with a minimum initial deposit of just LKR 25,000.
A secure and convenient way to access your account information instantly at any time anywhere .
Do all your banking transactions online form home, office, or on the move. Simply log in!.
Access your statements at your convenience while contributing to help save the trees .
Use your Debit Card for cash withdrawal at no cost on any SCB Local ATM .

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Personal Foreign Currency Accounts (PFCA
Category Indicative Rate (P.A)
Non-Resident Foreign Currency Accounts (NRFC) Contact Bank

Features
Special interest rates for PFCA fixed deposits
Pay and receive foreign currencies as per the CBSL regulations cited below
Instant Loan/Overdraft facilities against foreign currency balance in PFCA accounts (for residents of Sri Lanka)
Fund Transfers between Personal Foreign Currency Accounts (PFCA), Business Foreign Currency Account (BFCA) or offshore banking accounts.
The details of this product are in accordance to regulations published by the Central Bank of Sri Lanka (CBSL). Thus, the details may change from time to time according to changes in regulations.

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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 530 Cargills Food City outlets, which are open from 8.00 to 10.00.p.m, 365 days of the year.

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Salary Savings Accounts
Category Indicative Rate (P.A)
Salary Savings 3.17%

Features
No minimum balance requirement and No initial deposit | Internet and Mobile Banking Facility
Free initial VISA Debit card* | Eligibility for Easy Payment Plan*
SMS alerts on Salary remittances, day end balance, deposits/ withdrawals etc
Free of charge ATM withdrawal at Amãna Bank ATMs and discounted charges from Commercial Bank ATMs*
50% waive off on bank charges for foreign currency draft issuance
Financing up to 7 years and special rentals for Vehicle Finance*
Financing up to 15 years and special pricing on Home Finance*
Repayment up to 8 years for Solar Finance*
E-statements | Special Pricing on Education Finance*

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

Features
Open a Personal Current Account with an initial deposit of LKR 15,000/-
Receive a personalised Cheque Book
Request for Visa Debit Card
Access your account via Online Banking
Mobile Banking Facility

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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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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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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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Seylan Tikiri Savings Account
Category Indicative Rate (P.A)
Children Savings Up to 25.00%

Features
Get the benefit of bonus interest rates
Open a Tikiri saving account today and get your kid a range of gifts from "Seylan Tikiri Gifts Scheme" with loads of other benefits"

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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 (See Interest Rates)
Free Personal accident insurance cover upto Rs.200,000/- (Terms & Conditions apply)
Free Cash withdrawals at any Union Bank ATM(See ATM Network)
Free SMS alerts | Free Utility bill payments at any Union Bank Branch
Visa International Shopping Debit Card with global access and special offers / discounts
Online banking facility

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DFCC Junior Account
Category Indicative Rate (P.A)
Children Savings Up to 5.00%

Features
Wide variety of DFCC Junior gifts
Gift vouchers from reputed merchants for consumables
Gift vouchers from reputed merchants for consumables
Value Credit Scheme
DFCC Junior Rewards Scheme up to LKR 100,000:-
Grade 5 Scholarship Reward Scheme / O/L Examination Reward Scheme / 18th Birthday Reward Scheme

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Abhimani Women’s Savings Account
Category Indicative Rate (P.A)
Women's Saving 3.00%

Features
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. (in an instance if the customer is a Salary Savings Account Holder, who remit their Salary to Cargills Bank, the product features offered for personal loans under the Salary Saver prod
Rs 1000/= contributed (by the bank) for the “Podihitiyo minor savings account”,when an Abhimani savings account holder opens a Podihitiyo minor savings account with a minimum balance of Rs 1,000/=.
Mobile & Internet Banking – Registration fee fully waived
SMS Alerts (setup fee) – FREE
Unlimited Cash Withdrawals within the month

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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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Cargills Cash Savings Account
Category Indicative Rate (P.A)
Special Savings 3.00%

Features
For the first time in Sri Lanka, you can deposit and withdraw cash at 530 Cargills Food City outlets and purchase goods using your mobile phone.
You can Send Cash instantly to any mobile phone and Withdraw Cash from 530 Cargills Food City outlets.
You can withdraw cash at 530 registered Cargills Food City outlets.
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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“Sathkara” for Gov.Servants
Category Indicative Rate (P.A)
Senior Citizens 3.00%

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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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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Savings Account
Category Indicative Rate (P.A)
Regular Savings Up to 4.00%

Features
Our secure and fast cheque processing service lets you perform all your payments on time.
Access your account over 4000 ATMs via LankaPay Network.
Lets you do all your banking from home or office. Receive daily, weekly or monthly statements.
Link your other current/savings accounts at MCB and manage transfers of funds effectively and conveniently.

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

Features
365 day banking services, at selected branches, for extended banking hours
Free mobile banking, SMS banking and 24 hour call centre on the go
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. Free ATM withdrawals at any Nations Trust ATM
Personalized cheque book and standing instruction set up

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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.
ATM withdrawals from over 3661 ATMs at DFCC and Lanka Pay.
Branded Credit Cards with issuance and 1st Year Annual fee waived off.

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Singithi Kirikatiyo - below 5 years
Category Indicative Rate (P.A)
Children Savings 4.50%

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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Savings Account
Category Indicative Rate (P.A)
Regular Savings 3.17%

Features
Minimum deposit is Rs. 1,000/- / Profit will be credited monthly at a pre-agreed ratio
Can open individually or jointly / Standing Order facility / VISA Debit Card with SMS alerts
Periodic Statements including e-statments or Passbook to record and monitor account transactions
Access to Amana Bank Internet Banking & Mobile Banking

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Bluechip Money Market Savings
Category Indicative Rate (P.A)
Special Savings Up to 6.50%

Features
Sweep-in-sweep-out facility between BlueChip Money Market Savings Account and current account (applicable for accounts which are not marked with pre-approved overdraft limits)
Bank statements and e-statements available
No service charges

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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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