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 BankDFCCNSBPABC
Standard Chartered
Cargills BankUnion BankSeylan BankSMIBHDFCSLS BankSDB BankCDBSeylan 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 Salary
16 Years & above (Must NIC)
Age 18 or above.
If regular salary of LKR 20,000 or above.
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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 **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.700FreeFreeFreeRs.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.5Free + SMS FreeFree + SMS FreeRs. 5 + SMS FreeRs.5Rs. 7Rs.5Rs.5FreeFreeRs.5Free
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ATM - Other BanksRs.30Free + 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 InterestN/A
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Debit Card Joining FeeRs.400FreeFreeFreeRs.400 every 5 YearsFreeFreeRs.100Free
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Debit Card Annual FeeFreeYes (Free First 2 years then Rs.500)FreeYesFreeFreeRs.200FreeFreeFreeLKR 300Free
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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 InterestN/A
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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 OTPNoNoYesYesYes
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Debit Card Over the counter Sales
YesYes + SMS FreeYes + SMS FreeYes + Free SMSYes + Free SMSYes + Free SMSYesYes Free + SMSFree + SMSYes
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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 InterestN/A
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Credit/Debit Fuel SurchargeDebit - NO (Refund Happns in Few Days)YesYes
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Money Deposit SMS AlertsFreeFreeFree + SMS FreeNoYes, Over RS.1000NOYesFreeNoFreeFree
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With in Own account Transfer (Online)
Free Free + SMS FreeFree + SMS FreeFreeFreeFreeFreeFreeFreeFree
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Within Bank Transfers (Online)
FreeFree + SMS FreeFree + SMS FreeFreeFreeFreeFreeFreeFreeFreeFree
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Other Bank Transfers (Online/SLIPS)
Rs.50Free + SMS FreeFree + SMS FreeFreeFreeRs. 50Rs. 25
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Other Bank Transfers (Online/CEFTS)
Rs.50Free + SMS FreeRs.30 + SMS FreeRs.50Rs. 50Rs. 50Rs.50Rs. 50Rs. 50Rs. 50
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Bill PaymentsFreeFree + SMS FreeFree + SMS FreeFreeFreeFreeFreeFreeNoFreeFree
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Mobile AppYes/Web View of Sampath VishwaYes / Comprehensive iOS and Android appsYesYes
Yes (Wrong Balance & Date/time issue reported)
YesNoYesYesNoFree
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2 Factor for Online Banking Security
Yes (Only for Transfers)NoYesNo YesYesLogin password + transaction passwordYesNoYes
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Over the counter Cash withdrawal
Rs.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/-)YesYesYesYes
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ATM Daily LimitSome ATM now says Rs.100,000 (Validation Needed)Rs.100,000Rs.150,000Rs.100,000Rs. 200,000Rs.40,000Rs.40,000Rs. 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)Yes/No Guarantees/OD on FDYes (No guarantor)Yes (Guarantor needed) No guarantor needed for people with salary above Rs. 50,000/=Yes (No guarantor)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%14.75%-15.5%13%-14%15.50%Agreed profit share (similar to market rate ~ 14.5%)13% - 15.5%14% to 16%
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Printed bank statement costRs.50 per pageRs.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)Rs. 50Free
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Digital/Email StatmentFreeFreeFreeFreeFreeFreeFreeFreeFreeFreeFree
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Annual Cost to Maintain the Account
Rs.1050 + 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)Rs.0Rs.0
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Total Score (Green Count)9171911111213101429
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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 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://web.boc.lk/index.php?route=product/category&path=87_89_373http://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 removed
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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
Sheet17
Sheet16
Form Responses 1
Copy of Personal Loans
Fixed Deposits
Personal Loans
Sheet15