Sri Lankan Bank Account Comparison
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 Editing Enabled, Some areas are locked from editing, as the data has been validated. any changes, leave a comment
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Bank:SampathNTBHSBCNDB CommercialHNBBOCPeople's BankAmana BankDFCCNSBCargills BankCDBSDB Bank?Seylan Bank?HNB Bank?
SCB
standard chartered ?
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Account NameSampath ProfessionalSalary Saver AdvanceSalary MaxRegular Savings AccountSmartgenYES SaverSalary Saver PlusMega BonusHappy saverSalary AccountSalary Plus
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TermsSalary RemittanceSalary RemittanceSalary Remittance/FD/LoanSalary RemittanceSavingsSavingsSavingsSalary RemittanceSavingsSavingsSalary RemittanceSalary Remittance
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EligibilitySalary private>75,000, Gov>35,000Salary >20,000Salary of 100,000 or 500,000 Depositage 14 & above
18 Years and above
1Mn Annual SalarySalary >20,000
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Savings Intrest Rate3.5% PA2.5% PA0.5% - 2% PA (Depends on Balance)3.25% PA4.0 % PA4% PAbelow 25k - 4%, above 25k - 5%35% profits of whats bank is making : AC avg balance (3.72% Current Avg) 1000-40000 :4.5 40001-100000:5.75 upto 7.006.5% to 8.25%6.5% PA
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SMS FreeRs.350 Annualy (10 SMS Free per month, Rs1. per sms after)FreeFree (tx value>5,000)Free Debit / credit
Rs.250 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.250 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 10/= per monthFreeFreeFreeFreeFREE
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Internet Banking (Annually)Rs.700 + Rs1 after the 10 Free SMSFreeFreeFreeRs.500Rs.250 PA for TX above 10000 & Rs.1000 PA for TX of Any amount.
All debit & credit card transactions no annual fee for SMS alerts
FreeFreeFreeFreeFree
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ATM - Same BankRs.5 + Rs1 after the 10 Free SMSFree + SMS FreeFree + SMS FreeRs. 5 + SMS FreeRs.5Rs. 5Rs.5Rs.5FreeFreeRs.5Free
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ATM - Other BanksRs.30 + Rs1 after the 10 Free SMSFree + SMS Free (lanka pay only)Free + SMS Free (Visa Plus)Rs.30 + SMS FreeRs.30Rs.30/- (Lanka Pay)Rs.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)YesYesYesYesYesN/A due to Interest
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Debit Card Joining FeeRs.400FreeFreeFreeRs.400 every 5 YearsFreeFree
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Debit Card Annual FeeFreeYes (Free First 2 years then Rs.500)FreeYesFreeFreeRs.200FreeFree
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Supplimentry Dredit Card Feee
YesYes (Free First year)FreeRs.750N/A due to Interest
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Credit Card Joining FeeYesFreeFreeYesYes (Free During Promotions)Rs.1000N/A due to Interest
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Debit Card Online PaymentsNo (Via WebCard Rs.300 Annualy)Yes with 3D Security (Only above 2 lacks)NoYes with 3D SecurityYes with 3D SecurityYes with OTPNoNoYes
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Debit Card Over the counter Sales
Yes + Rs1 after the 10 Free SMSYes + SMS FreeYes + SMS FreeYes + Free SMSYes + Free SMSYes + Free SMSYesYes Free + SMS
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Credit Card Online PaymentYes + Free SMS - 3Ds Security seems to be enabled for some customersYes + Free SMSYes + Free SMS with 3D SecurityYesYes + Free SMS with 3D SecurityYesYesN/A due to Interest
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Credit/Debit Fuel SurchargeYes
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Money Deposit SMS AlertsFree + Rs1 after the 10 Free SMSFreeFree + SMS FreeNoYes, Over RS.1000YesYesFreeNoFree
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With in Own account Transfer (Online)
Free + Rs1 after the 10 Free SMSFree + SMS FreeFree + SMS FreeFreeFreeFreeFreeFreeFree
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Within Bank Transfers (Online)
Free + Rs1 after the 10 Free SMSFree + SMS FreeFree + SMS FreeFreeFreeFreeFreeFreeFreeFree
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Other Bank Transfers (Online/SLIPS)
Rs.50 + Rs1 after the 10 Free SMSFree + SMS FreeFree + SMS FreeFreeFreeRs. 50
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Other Bank Transfers (Online/CEFTS)
Rs.50 + Rs1 after the 10 Free SMSFree + SMS FreeRs.30 + SMS FreeRs.50Rs. 50Rs. 50Rs.50Rs. 50Rs. 50
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Bill PaymentsFree + Rs1 after the 10 Free SMSFree + SMS FreeFree + SMS FreeFreeFreeFreeFreeFreeNo
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Mobile AppYes/Web View of Sampath VishwaYes / Comprehensive iOS and Android appsYesYes (Good)
Yes (Wrong Balance & Date/time issue reported)
YesNoYesYesNo
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2 Factor for Online Banking Security
Yes (Only for Transfers)NoYesNo YesYesLogin password + transaction passwordYesNo
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Over the counter Cash withdrawal
Below Rs.100,000 Rs.20 and no fee for above 100,000 but Rs1 after the 10 Free SMSRs.50 for Below 80,000Above Rs.150,000YesRs.5 for no book withdrawals below Rs.100,000Rs. 10/- (Below Rs. 150,000/-)YesYesYes
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ATM Daily LimitSome ATM now says Rs.100,000 (Validation Needed)Rs.100,000Rs.150,000Rs.100,000 but may need to get the limit set from the bankRs.40,000Rs.40,000
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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)Yes/No Guarantees/OD on FDYes (No guarantor)Yes (Guarantor needed)YesYesNo guarantor for up to 10X SalaryYes (Guarantor needed)No guarantor for up to 12X Salary
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Personal loan Intrest Rate15.5% PA14% - 17% PA14.5% - 15.5%13%-14%15.50%Agreed profit share (similar to market rate ~ 14.5%)n14% to 16%
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Printed bank statement costRs.50 per page + Rs1 after the 10 Free SMSRs.100 per monthRs.150 for the statementRs.300 per pageRs.150 Per PageFreeRs250 per pageRs. 100 per copy (up to 1 year) / Rs. 200 (2+ years)
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Digital/Email StatmentFreeFreeFreeFreeFreeFreeFreeFreeFreeFree
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Annual Cost to Maintain the Account
Rs.1050 + Per SMS Fee + Credit Card Fee + ATM Withdrawal FeeRs.0 + Credit Card FeeRs.0 Rs.0 + Credit Card Fee + ATM Withdrawal FeeRs.500 + Credit Card Fee + ATM Withdrawal FeeRs.500 + ATM Withdrawal FeeRs.200 + ATM Withdrawal FeeRs.0 + ATM Withdrawal FeeRs.0 (ATM Withdrawal Fee for Non LankaPay / Overseas)
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Total Score (Green Count)4171911111213101429
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http://www.sampath.lk/en/personal/professional/sampath-professional-accountIf your salary is +75,000 you will be in the Inner circle (Priority customer) with more facilitieshttps://www.hsbc.lk/1/PA_ES_Content_Mgmt/content/PDF/tariff.pdfhttp://www.ndbbank.com/index.jsphttp://www.combank.lk/newweb/en/rates-tariffshttp://www.hnb.net/images/bank-downloads/hnb-tariff.pdfhttp://web.boc.lk/index.php?route=product/category&path=87_89_373http://www.amanabank.lk/en/sme-and-corporate-banking/corporate-salary-accountshttp://www.cargillsbank.com/personal-banking/savings-accounts/cargills-bank-salary-account/
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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)
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And if you are transferring more than Rs. 500, 000/= to Webcard, it'll happen in the next day.
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And something they'll kind a threat you for paying more than $2000 USD outside of SL. If you paying for a legitimate reason, don't worry and pay. Don't listen to them. They'll BS you and asked you to stop pay.
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Savings Accounts
Fixed Deposits
Personal Loans
Form Responses 1
Copy of Personal Loans