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 Editing Enabled, Some areas are locked from editing, as the data has been validated. any changes, leave a comment; any feedback commnt or email kalinga.a@gmail.com
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Bank:SampathNTBNTB FriMiHSBCNDB CommercialHNBCommercial Bank FlashBOCPeople's BankAmana BankDFCCNSBPABC
Standard Chartered
Cargills BankUnion BankSeylan BankSMIBHDFCSLS BankSDB BankCDBCommercial Bank Vibe
The Finance Company (Savings Account)
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Account NameSampath ProfessionalSalary Saver FrimiAdvanceSalary MaxRegular Savings AccountFlash Digital Bank AccountSmartgenYES SaverSalary Saver PlusSalary Saver PlusHappy saverSalary AccountSalary PlusVibe Savings Account
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TermsSalary RemittanceSalary RemittanceNoneSalary Remittance/FD/LoanSalary RemittanceSavingsCash Wallet and SavingsSavingsSavingsSalary RemittanceThe flexibility of opening any type of Savings Account under this scheme (Ex: Winner / Xtreme Saver etc)SavingsSalary RemittanceSalary RemittanceSavings
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EligibilitySalary private>75,000, Gov>35,000Salary >20,000Basic Infomation, MobileSalary of 100,000 or 500,000 DepositBasic Infomation, Mobileage 14 & above18 Years and above1Mn Annual SalaryMinimum net salary should be LKR 25,000
16 Years & above (Must NIC)
Age 18 or above.
If regular salary of LKR 20,000 or above.
Age between 18 to 35
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Savings Intrest Rate3.5% PA2.5% PA2.5% PFA, 5% PA for Balance above 500,0000.5% - 2% PA (Depends on Balance)3.25% PA3.0 % PA
4% PAbelow 25k - 4%, above 25k - 5%35% profits of whats bank is making : AC avg balance (3.72% Current Avg) 3% above (2022-March)1000-40000 :4.5 40001-100000:5.75 upto 7.006.5% to 8.25%6.5% PA3.5% PA
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SMS FreeRs.400 Annualy **FreeFreeFree (tx value>5,000)Free Debit / credit Rs.500 PA for TX above 10000 & Rs.1000 PA for TX of Any amount.
All debit & credit card transactions no annual fee for SMS alerts		Rs. 20 per month to get sms of account transaction. ATM transaction is free.Rs. 500 From 2nd yearRs 10/= per monthFreeFreeFreeFreeFreeFREE
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Internet Banking (Annually)Rs.700FreeN/AFreeFreeRs.500Rs.500FreeFreeRs.300FreeFreeFreeFreeJoining fee and first year annual fees are waived off.Rs 500.00 from second year onwards.
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ATM - Same BankRs.5Free + SMS FreeFreeFree + SMS FreeRs. 5 + SMS FreeRs.5Rs. 7Rs. 5.00Rs.5Rs.5FreeFreeRs.5Free5
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ATM - Other BanksRs.30Rs.302 TX per month Free, After tha Rs.30Free + SMS Free (Visa Plus)Rs.30 + SMS FreeRs.30Rs.30/- (Lanka Pay)Rs. 30.00Rs.30/- (Lanka Pay)Rs.30Free (LankaPay) / Rs.30 Local / Rs.250 OverseasFreeRs.30 / Rs.15 for Sampath ATMFree
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Credit Card Annual FeeYesYes (Free First year)N/AYesYesYesN/AYesYesN/A due to InterestWaived offN/A
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Debit Card Joining FeeRs.400FreeFreeFreeFreeRs.400 every 5 YearsRs. 400.00Free200FreeWaived offRs.100FreeLKR 400
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Debit Card Annual FeeFreeYes (Free First 2 years then Rs.500)600FreeYesFreeFreeRs. 100.00Rs.200FreeFreeFreeFreeLKR 300Free
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Supplimentry Credit Card FeeeYesYes (Free First year)N/AFreeN/ARs.750N/A due to Interest
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Credit Card Joining FeeYesFreeN/AFreeYesYes (Free During Promotions)N/ARs.1000N/A due to InterestWaived offN/A
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Debit Card Online PaymentsNo (Via WebCard Rs.300 Annualy)Yes, 3DS - how ever the OTP Page has been unralable in most cases, slow load times and proxy errorsYesNoYes with 3D SecurityYes with 3D SecurityYes with OTPYes
NoNoYesYesYesYesjl
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Debit Card Over the counter Sales
YesYes + SMS FreeYes, Free SMSYes + SMS FreeYes + Free SMSYes + Free SMSYes + Free SMSYes + Free SMSYesYes Free + SMSFree + SMSFree + SMSYesYES
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Credit Card Online PaymentYes + Free SMS - 3Ds Security seems to be enabled for some customersYes + Free SMSN/AYes + Free SMS with 3D SecurityYesYes + Free SMS with 3D SecurityYesN/AYesN/A due to InterestN/A
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Credit/Debit Fuel SurchargeYes (Conditional Discount on Usage)YesYesYesYesYes
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Money Deposit SMS AlertsFreeFreeFreeFree + SMS FreeNoYes, Over RS.1000NOFreeYesFreeNoFreeFreeFree
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With in Own account Transfer (Online)
Free Free + SMS FreeFreeFree + SMS FreeFreeFreeFreeFree + SMS FreeFreeFreeFreeFreeFree
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Within Bank Transfers (Online)FreeFree + SMS FreeFreeFree + SMS FreeFreeFreeFreeFree + SMS FreeFreeFreeFreeFreeFreeFreevv999v9vcoo
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Other Bank Transfers (Online/SLIPS)
Rs.50Free + SMS FreeRs.35 + Free SMSFree + SMS FreeN/AFreeFreeRs. 30Rs. 50Rs. 25Rs.50
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Other Bank Transfers (Online/CEFTS)
Rs.50Rs.50Rs.35Rs.30 + SMS FreeRs.50Rs. 50Rs. 50Rs. 30Rs.50Rs. 50Rs. 50Rs. 30Rs. 50
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Bill PaymentsFreeFree + SMS FreeFreeFree + SMS FreeFreeFreeFreeFreeFreeFreeNoFreeFreeFree
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Mobile AppYesYesYesYesYes
Yes (Wrong Balance & Date/time issue reported)
YesYesYesYesYesYes / DFCC Virtual WalletNoFree
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2 Factor for Online Banking Security
Yes (Only for Transfers)YesN/AYesNo YesYesN/ALogin password + transaction password + 2FA for transfersYesNoNoYes
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Over the counter Cash withdrawalRs.100,000 but Rs1 after the 10 Free SMSRs.50 for Below 80,000N/AAbove Rs.150,000YesRs.5 for no book withdrawals below Rs.100,000Rs. 10/- (Below Rs. 150,000/-)N/AYesYesYesYesYes
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ATM Daily LimitSome ATM now says Rs.100,000 (Validation Needed)Rs.200,000Rs.150,000Rs.100,000RS. 200,000Rs. 200,000Rs.40,000Rs.100,000Rs. 80,000 (Can be increased to Rs. 100,000/= upon request)Rs. 80,000 (Can be increased to Rs. 100,000/= upon request)
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Personal loan facility Below Rs.0.5 million - no guarantors
Above Rs.0.5 million - guarantors or any other acceptable security
Repayment period of up to 60 months		Yes, less than interest rate 1% market rate (within 5 days and no guarantor needed)N/AYes/No Guarantees/OD on FDYes (No guarantor)Yes (Guarantor needed) No guarantor needed for people with salary above Rs. 50,000/=Yes (No guarantor)N/AYesYesNo guarantor for up to 10X SalaryYes (Guarantor needed)No guarantor for up to 12X Salary
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Personal loan Intrest Rate15.5% PAN/A14% - 17% PA14.5% - 15.5%14.75%-15.5%N/A13%-14%15.50%Agreed profit share (similar to market rate ~ 14.5%)8% - 10%14% to 16%14.50%
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Printed bank statement costRs.50 per pageRs.100 per monthN/A Rs.150 for the statementRs.300 per pageRs.150 Per PageRs. 400/= Per MonthN/AFreeRs250 per pageRs. 100 per copy (up to 1 year) / Rs. 200 (2+ years)Rs. 50Free
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Digital/Email StatmentFreeFreeFreeFreeFreeFreeFreeDownloadableFreeFreeFreeFreeFreeFree
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Annual Cost to Maintain the Account
Rs.1050 + Credit Card Fee + ATM Withdrawal FeeRs.0 + Credit Card FeeRs.600 + ATM Withdrawal FeeRs.0 Rs.0 + Credit Card Fee + ATM Withdrawal FeeRs.500 + Credit Card Fee + ATM Withdrawal FeeRs.500 + ATM Withdrawal FeeRs. 0
Rs.200 + ATM Withdrawal Fee + SMS FeeRs.300 Internet Banking + ATM Withdrawal FeeRs.0 (ATM Withdrawal Fee for Non LankaPay / Overseas)Rs.0 (ATM Withdrawal Fee for Non LankaPay / Overseas)Rs.0Rs.0
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Total Score (Green Count)9161119111010 14814159
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Negative Scoe
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 If your salary is +75,000 you will be in the Inner circle (Priority customer) with more facilitieshttp://www.hsbc.lk/1/PA_ES_Content_Mgmt/content/home_page/Tariff.pdfhttp://www.ndbbank.com/index.jsphttp://www.combank.lk/newweb/en/rates-tariffshttp://www.hnb.net/images/bank-downloads/hnb-tariff.pdfhttp://www.flashbank.lk/#faqhttp://web.boc.lk/index.php?route=product/category&path=87_89_373Rs.100,000 ATM Daily Limitjj

Rs.150,000 POS Transactions		http://www.amanabank.lk/en/sme-and-corporate-banking/corporate-salary-accountshttps://www.cargillsbank.com/products/cargills-bank-salary-account/
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** No formal notice, how ever looks like the per SMS fees has been removedonline banking monthly fee 50/= https://www.cargillsbank.com/rates-and-charges/fees-charges/
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For uncommon CC Online/CC payment tx's Sampath will personally call the customer and verify. (almost all the banks does this)4. j
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