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
Pension Saver
Category Indicative Rate (P.A)
Special Savings 4.24%

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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Mithuru MAX
Category Indicative Rate (P.A)
Children Savings Up to 4.75%

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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Ladies Savings Accounts
Category Indicative Rate (P.A)
Women's Saving 3.71%

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

Features
You will receive a cheque book.
Your account will be credited on the same day when Commercial Bank cheques are deposited to your account.
You can apply for a regular overdraft facility.
e-Statement facility - Free of charge.
e-Passbook facility - Free of charge.

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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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Sampath Pubudu - Sapiri
Category Indicative Rate (P.A)
Children Savings Up to 5.00%

Features
Sampath Pubudu
Attractive gift scheme | Visit your nearest Sampath Bank branch for more details
Sampath Sapiri
Sampath Sapiri pays a higher interest and is considered as the investment account for minors.
Common Benefits for both account holders
Every Sampath Bank Children's Savings account holder who scores over the district cut-off mark at the Grade 5 Scholarship Examination will receive a special medal and certificate.
To qualify for the above, maintain a minimum balance of Rs 5,000/- in a Sampath Pubudu or Sampath Sapiri account, prior to the exam.

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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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Reverse Planner
Category Indicative Rate (P.A)
Salary Savings 8.00%

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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Prathilaba
Category Indicative Rate (P.A)
Regular Savings 3.00%

Features
Minimum Deposit : Rs. 2000/-
Attractive Interest Rate : Enjoy attractive interest rates.
Special Housing Loans : Special terms on housing loans, to achieve your dream of owning a home.
Free Standing Order : Set up a free, standing order to remit funds
Easy Loan Installment Payments : Pay monthly HDFC Housing Loans installments through your Prathilaba Saving Account.

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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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Manavee
Category Indicative Rate (P.A)
Women's Saving 3.50%

Features
A loan can be obtained to start or develop self-employment projects under concessionary rate.
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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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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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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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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Araliya Women’s Savings Account
Category Indicative Rate (P.A)
Women's Saving Up to 3.12%

Features
Interest up to 3.12% for all accounts meeting the monthly commitment.
Welcome gift for initial deposits of Rs.10,000.
A free Shilpa Savings Account with a maximum deposit of LKR 25,000 for accounts maintaining a monthly average balance over LKR 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*

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Salary Saver
Category Indicative Rate (P.A)
Salary Savings Up to 4.50%

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

Features
Save and enjoy life changing benefits via “Seylan Mega Rewards”
Choose from a passbook / statement/ e-statement for your convenience.
Set up standing orders – Save regularly from your current account since it’s the easiest way to grow your savings.
Island wide Network- Branch Network& ATM network
Easy – access Banking- Internet Banking/ SMS Alert/ Mobile Banking / Cash Deposit Machines
365Day banking with extended hours in selected branches.
Most of our card promotions are offered to "Debit card " holders too.
Joint accounts can be opened.

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Sammana Savings
Category Indicative Rate (P.A)
Senior Citizens Up to 5.00%

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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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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PAS AVURUDU ACCOUNT
Category Indicative Rate (P.A)
Senior Citizens 8.00%

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 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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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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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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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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Nations Kidz
Category Indicative Rate (P.A)
Children Savings Contact Bank

Features
Receive gifts up to the age of 15 years based on the account balance
Attractive Passbook
Rewards for top Nations Kidz accountholders who excel in Grade 5 scholarship examination
Account statements via Ebox facility
Inner Circle or Private Banking junior Membership

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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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Salary Savings Accounts
Category Indicative Rate (P.A)
Salary Savings 3.18%

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

Features
Personal Loans, Home Loans and Leasing facilities will be offered to you at 0.25% less than standard interest rates.
You will receive a cheque book.
Your account will be credited on the same day when Commercial Bank cheques are deposited to your account.
You will receive a Debit Card free of charge.
A Credit Card will be offered to you with no joining and 1st year annual fee.

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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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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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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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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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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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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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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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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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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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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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Personal Foreign Currency Account - (PFC
Category Indicative Rate (P.A)
Personal Current Account Contact Bank

Features
​may be opened and maintained as Current (without cheque drawing facility), Savings or Term Deposit accounts in any designated foreign currency.
Out of such accounts, Personal Foreign Currency Accounts, maintained by individuals may be held as sole or joint accounts with another eligible person.

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

Features
Open an account with a minimum initial deposit of just Rs.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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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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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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Araliya Current Account
Category Indicative Rate (P.A)
Other Current Account Contact Bank

Features
Ability to obtain a bank overdraft up to 95% of your term deposits
Sweep facility between accounts
Araliya branded cheque book
Araliya branded credit card
Special discounts when transferring salaries in to employees accounts

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DFCC Teen Account
Category Indicative Rate (P.A)
Teen / Youth Savings 3.50%

Features
Exclusive personalised Teen Debit Card.
Transfers to own DFCC Junior Account.
SMS alerts to parent/ guardian.
Keep track of transactions with E-statements.
Preferential interest rate.
Exclusive discounts/ offers at partner outlets.
Convenience of Tap & Pay up to Rs.5,000 per day.

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

Features
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.
You will get an international Debit Card free of charge.

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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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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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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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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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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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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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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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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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NDB Aachara
Category Indicative Rate (P.A)
Senior Citizens Up to 3.00%

Features
Open an Aachara savings Account with a minimum deposit of LKR 200
Open an Aachara Current Account with minimum deposit of LKR 5,000
Higher interest rates for Aachara senior citizens' Fixed deposits
Receive a personalised Cheque Book for Current accounts
Branded Aachara Visa Debit Card
Access your account via Online Banking and Mobile Banking App

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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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HNB Salary SMART
Category Indicative Rate (P.A)
Other Current Account Contact Bank

Features
3 times your net salary as an Overdraft Facility or as a Personal Loan
50% net salary as an advance | No guarantors
Special interest rates for Leasing, Personal and Home Loans
Loan buyback (Debt Consolidation Loans) at special rates
HNB Platinum Visa Credit Card with first year annual fee waived off
High interest savings account with unlimited withdrawals
Exclusive benefits and discounts on Life, Motor and Non-Motor Insurance Policies

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Children's Savings Planner
Category Indicative Rate (P.A)
Children Savings Up to 8.00%

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

Features
ATM cum Debit Card (Visa) | Standing Order Facility
Free SMS Alerts | The freedom to enjoy unlimited withdrawals per month
A Passbook to monitor the progress of your savings | ATM cum Debit Card (Visa)
Standing Order Facility | Free SMS Alerts | Internet Banking facility
The freedom to enjoy unlimited withdrawals per month
A Passbook to monitor the progress of your savings
Mobile Banking facility to access your account from anywhere, anytime
Interest is calculated daily and credited to your account monthly
E- statement facilities directed to your preferred email address at preferred periodicity
Nomination facility at free of charge

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

Features
E-Windows (inquiry Option) Free of Charge
Debit Card Issuance fee (Individual Clients) - waived off
Inward Cheque return charge for cheque warehousing customers -waived off

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Arunalu Children's Savings Account
Category Indicative Rate (P.A)
Children Savings 4.00%

Features
A higher interest rate will be offered for your child than the rate offered for Regular Savings Accounts.
Account holders will receive special cash prizes if they score 1st, 2nd and 3rd highest aggregate marks in the school at Year 5 Scholarship Examination.
Cash prizes of Rs 10,000/-, Rs 7,500/-and Rs 5,000/-will be awarded to the Arunalu Account Holders who have gained the 1st, 2nd and the 3rd highest marks in each school at the Year 5 Scholarship Examination.
Minimum balance of Rs. 5,000/- should be maintained in the Arunalu Account prior to the date of releasing examination results.

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Savings Accounts
Category Indicative Rate (P.A)
Regular Savings Up to 3.00%

Features
Value Propositions for Pan Asia Bank Savings Account | Start with deposits as small as Rs.1,000/-
VISA enabled international debit card
Withdraw cash from any ATM island wide
SMS alerts for your transactions
Internet banking | A passbook or online bank statement
Nominate an account beneficiary
Standing Order facility
Interest is calculated on a daily balance and credited monthly

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Thilina
Category Indicative Rate (P.A)
Children Savings 5.00%

Features
Higher Interest Rates: Enjoy higher interest rates, ensuring that your child's savings grow faster.
Flexibility: Open an account on behalf of a child from infancy to the age of 18.
Minimum Initial Deposit: Start with a minimum initial deposit of Rs 2,000/-.
Attractive Gifts: With the increasing deposit balance, your child becomes eligible to receive attractive gift schemes. Account holders of 14 years and below will be eligible for the gift scheme
Free HDFC Till: Receive a free HDFC till with an account opening, encouraging the enthusiasm for saving.

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Savings Account
Category Indicative Rate (P.A)
Regular Savings 3.18%

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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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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Senior Citizen Savings Accounts
Category Indicative Rate (P.A)
Senior Citizens 4.24%

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

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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DFCC Investment Planner
Category Indicative Rate (P.A)
Special Savings Up to 9.50%

Features
The investments are available in both LKR and designated foreign currencies
Guaranteed high Return on Investment
Joint accounts are allowed
E- Statements on quarterly basis

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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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