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SCB
Bank: Sampath NTB HSBC NDB Commercial HNB BOC People's Bank Amana Bank NSB PABC Standard Chartered Cargills Bank Union Bank Seylan Bank SMIB HDFC SLS Bank SDB Bank CDB Seylan Bank? HNB Bank?
standard chartered ?
DFCC bank?

Account Name Sampath Professional Salary Saver Advance Salary Max Regular Savings Account [1] Smartgen YES Saver Salary Saver Plus Happy saver Salary Account Salary Plus
Terms Salary Savings Savings
Salary Remittance Salary Remittance Remittance/FD/Loan Salary Remittance Savings Salary Remittance Savings Salary Remittance Salary Remittance
Eligibility age 14 & above Age 18 or above.
If regular salary of
Salary of 100,000 or LKR 20,000 or above.
Salary private>75,000, Gov>35,000 Salary >20,000 500,000 Deposit 18 Years and above 1Mn Annual Salary 16 Years & above (Must NIC)
0.5% - 2% PA (Depends below 25k - 4%, 35% profits of whats bank is making : 1000-40000 :4.5 40001-
Savings Intrest Rate 3.5% PA [2] 2.5% PA 3.25% PA 4.0 % PA 4% PA 6.5% PA
on Balance) above 25k - 5% AC avg balance (3.72% Current Avg) 100000:5.75 upto 7.00 6.5% to 8.25%
SMS Free Rs.250 PA for TX Rs 10/= per month Free
above 10000 & Rs.
1000 PA for TX of
Any amount.
All debit & credit
card transactions
Rs.250 PA for TX above 10000 & Rs.1000
no annualPAfeeforfor
TX of Any amount.
Rs.350 Annualy ** Free Free (tx value>5,000) Free Debit / credit All debit & credit card transactions no
SMS annual
alertsfee for SMS alerts Free Free Free FREE
Internet Banking (Annually) Rs.700 Free Free Free Rs.500 [3] Rs.500 Free Free Free Free Free
ATM - Same Bank Rs.5 Free + SMS Free Free + SMS Free Rs. 5 + SMS Free Rs.5 Rs. 7 Rs.5 Rs.5 Free Rs.5 Free
ATM - Other Banks Free + SMS Free (Visa Rs.30/- (Lanka Free (LankaPay) / Rs.30 Local / Rs.250 Rs.30 / Rs.15 for
Rs.30 Free + SMS Free (lanka pay only) Plus) Rs.30 + SMS Free Rs.30 Pay) Rs.30/- (Lanka Pay) Rs.30 Overseas Sampath ATM Free
Credit Card Annual Fee Yes Yes (Free First year) Yes Yes Yes Yes Yes N/A due to Interest N/A
Debit Card Joining Fee Rs.400 [4] Free Free Free Rs.400 every 5 Years Free Free Rs.100 Free
Debit Card Annual Fee Yes (Free First 2 years then Rs.
Free 500) Free Yes Free Free Rs.200 Free Free Free LKR 300 Free
Supplimentry Dredit Card Feee Yes Yes (Free First year) Free Rs.750 N/A due to Interest
Credit Card Joining Fee Yes [5] Free Free Yes Yes (Free During Promotions) Rs.1000 N/A due to Interest N/A
Yes with 3D Security (Only above
Debit Card Online Payments No (Via WebCard Rs.300 Annualy) No Yes with 3D Security Yes with 3D Security Yes with OTP No No Yes Yes Yes
2 lacks)
Debit Card Over the counter Sales Yes Yes + SMS Free Yes + SMS Free Yes + Free SMS Yes + Free SMS Yes + Free SMS Yes Yes Free + SMS Free + SMS Yes
Credit Card Online Payment Yes + Free SMS - 3Ds Security seems to Yes + Free SMS with 3D Yes Yes
be enabled for some customers Yes + Free SMS Security Yes Yes + Free SMS with 3D Security N/A due to Interest N/A
Credit/Debit Fuel Surcharge [6] Debit - NO (Refund Happns in Few Days) Yes Yes
Money Deposit SMS Alerts Free Free Free + SMS Free No Yes, Over RS.1000 NO Yes Free No Free Free
With in Own account Transfer (Online) Free Free + SMS Free Free + SMS Free Free Free Free Free Free Free Free
Within Bank Transfers (Online) Free Free + SMS Free Free + SMS Free Free Free Free Free Free Free Free Free
Other Bank Transfers (Online/SLIPS) Rs.50 Free + SMS Free Free + SMS Free Free Free Rs. 50 Rs. 25
Other Bank Transfers (Online/CEFTS) Rs.50 Free + SMS Free Rs.30 + SMS Free Rs.50 Rs. 50 Rs. 50 Rs.50 Rs. 50 Rs. 50 Rs. 50
Bill Payments Free Free + SMS Free Free + SMS Free Free Free Free Free Free No Free Free
Mobile App Yes / Comprehensive iOS and Yes No Yes
Yes/Web View of Sampath Vishwa Android apps Yes Yes Yes (Wrong Balance & Date/time issue reported) [7] Yes No Free
2 Factor for Online Banking Security Yes Login password + Yes
Yes (Only for Transfers) No Yes No Yes transaction password No Yes
Over the counter Cash withdrawal Rs.100,000 but Rs1 after the 10 Free Rs.5 for no book withdrawals Yes
SMS Rs.50 for Below 80,000 Above Rs.150,000 Yes below Rs.100,000 Rs. 10/- (Below Rs. 150,000/-) Yes Yes Yes
Rs. 80,000 (Can be
Rs. 80,000 (Can be
Some ATM now says Rs.100,000 increased to Rs.
ATM Daily Limit Rs.200,000 Rs.150,000 Rs.100,000 Rs. 200,000 Rs.40,000 Rs.40,000 increased to Rs.
(Validation Needed) 100,000/= upon
100,000/= upon request)
request)
Below Rs.0.5 million - no guarantors
Yes, less than interest rate 1% Yes (Guarantor needed) No
Above Rs.0.5 million - guarantors or any Yes/No Guarantees/OD No guarantor for up
Personal loan facility market rate (within 5 days and no Yes (No guarantor) guarantor needed for people with Yes (No guarantor) Yes Yes No guarantor for up to 10X Salary Yes (Guarantor needed)
other acceptable security on FD to 12X Salary
guarantor needed) salary above Rs. 50,000/=
Repayment period of up to 60 months
Personal loan Intrest Rate 14.75%-15.5% 13%-14% 15.50% Agreed profit share (similar to market
15.5% PA 14% - 17% PA 14.5% - 15.5% rate ~ 14.5%) 13% - 15.5% 14% to 16%
Printed bank statement cost Rs.150 for the Free Rs250 per page Rs. 100 per copy (up to 1 year) / Rs.
Rs.50 per page Rs.100 per month statement Rs.300 per page Rs.150 Per Page 200 (2+ years) Rs. 50 Free
Digital/Email Statment Free Free Free Free Free Free Free Free Free Free Free
Annual Cost to Maintain the Account Rs.1050 + Credit Card Fee + ATM Rs.0 + Credit Card Fee + Rs.500 + Credit Card Fee + Rs.500 + ATM Rs.200 + ATM Rs.0 + ATM Rs.0 (ATM Withdrawal Fee for Non
Withdrawal Fee Rs.0 + Credit Card Fee Rs.0 [8] ATM Withdrawal Fee ATM Withdrawal Fee [9] Withdrawal Fee Withdrawal Fee Withdrawal Fee LankaPay / Overseas) Rs.0 Rs.0
Total Score (Green Count) [10] 9 17 19 11 11 12 13 10 14 9
http://www.hnb. http://web.boc.lk/index. Rs.100,000 ATM https://www.
http://www.hsbc. net/images/bank- php? Daily Limit cargillsbank.
http://www.sampath. If your salary is +75,000 you will lk/1/PA_ES_Content_M downloads/hnb- route=product/category http://www.amanabank.lk/en/sme-and- com/products/cargills
lk/en/personal/professional/sampath- be in the Inner circle (Priority gmt/content/home_page http://www.ndbbank. http://www.combank. tariff.pdf &path=87_89_373 Rs.150,000 POS corporate-banking/corporate-salary- -bank-salary-
professional-account customer) with more facilities /Tariff.pdf com/index.jsp lk/newweb/en/rates-tariffs Transactions accounts account/

** No formal notice, how ever looks like

the per SMS fees has been removed
For uncommon CC Online/CC payment
tx's Sampath will personally call the
customer and verify. (almost all the banks
does this)
And if you are transferring more than Rs.
500, 000/= to Webcard, it'll happen in the
next day.
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. 4
debit card annual fee is 100/= 0 0 #NAME? 0 0 #NAME? 0 0 0 0 0 0 0 0 0 0 0

7,920 .00 LKR

2 7,477 .01 LKR
3 1,381 .37 LKR
4 8,129 .00 LKR
5 1,005 .00 LKR

3.5
Bank Sampath NTB HSBC NDB DFCC Commercial HNB BOC People's Bank PABC NSB Standard Chartered Cargills Bank Union Bank Seylan Bank SMIB HDFC HDFC SLS Bank SDB Bank
1 month 5% 5% % % % 8% % 7.25 % % % 6.75% % 9% % 7.5 % % % % % %
2 months 7% % % % % 8.75% % N/A % % % % % % % % % % % %
3 months 10% % % 11.25% 11.50% 10.50% % 11.50 % % % 11.50% % 12% % % % % % % %
6 months 11.25% % % 12.00% % 11% % 10.75 % % % 10.75% % 12.25% % 11.50 % % % % % %
1 year 12% 11% % 12.00% % 11% % 11.00% % % 11% % 13% % 12 % % % % % %
2 years % % % 12.50% % 11% % 11.50 % % % % % 12.75% % 11.50 % % % % % %
3 years % % % 13.25% % 11.50% % 12.25 % % % % % 13% % % % % % % %
5 years % % % 14.25% % 13% % 13.50 % % % % % 13.50% % 13.00 % % % % % %

http://www. http://www.
nationstrus combank. https://www. http://www.hdfc.
t. http://www.ndbbank. lk/newweb/en/rates- cargillsbank. https://www. lk/pages/interes
com/depos com/pages/english/rates/inter tariffs/interest- com/rates-and- seylan. t_rates/fixed_de
http://www.sampath.lk/en/interest-rates-local
it-rates est_rates_deposits.jsp rates?t=FXDP http://web.boc.lk/index.php?route=rates/rates charges/#fd . lk/interest-rates posits.jsp
Bank HNB
https://www.seylan.lk/interest-rates
Housing Loan ( Amt from 500 k to 1000K)
- 1 Years 13.5 %
- 2 Years 13.75%
- 5 Years 14 %
Personal Loan ( 0.5% deduction to salary over 100 K)
- 1 Years 13.50%
- 2 Years 14.00%
- 4 Years 14.50 %
- 5 Years 14.50 %
- 6 Years 15.50 %
Vehical Loan ( above 100 K)
- 1 Years 14.50 %
- 2 Years 15.00 %
- 3 Years 15.25 %
- 4 Years 15.50 %
- 5 Years 16.00 %
Edu Loan ( Against Property/ Guarantors) - upto 2 M
- 1 Years 14.5/15.5
- 2 Years 15.25/16.25
- 3 Years 15.5/16.50
- 4 Years 15.75/16.00
- 5 Years 16/17
- 6 Years 16/17
- 7 Years 16/17
16/17
Bank

Housing Loan
- 1 Years
- 2 Years
- 5 Years
Personal Loan
- 1 Years [11]
- 2 Years
- 4 Years
- 5 Years
- 6 Years
Vehical Loan
- 1 Years
- 2 Years
- 3 Years
- 4 Years
- 5 Years
Edu Loan
- 1 Years
- 2 Years
- 3 Years
- 4 Years
- 5 Years
- 6 Years
- 7 Years
Timestamp Untitled Question 0.5986363638 0.8979545456 1.197272728 1.496590909 1.795909091 2.095227273
2.394545455 2.693863636 2.993181818 3.2925 3.591818182 3.891136364 4.190454546 4.489772728
4.789090909 5.088409092 5.387727273 5.687045455 5.986363637 6.285681819 6.585000001 6.884318183
7.183636364 7.482954546 7.782272728 8.08159091 8.380909092 8.680227274 8.979545456 9.278863638
9.578181819 9.877500001 10.17681818 10.47613637 10.77545455 11.07477273 11.37409091 11.67340909
11.97272727 12.27204546 12.57136364 12.87068182 13.17 13.46931818 13.76863637 14.06795455
14.36727273 14.66659091 14.96590909 15.26522728 15.56454546 15.86386364 16.16318182 16.4625
16.76181818 17.06113637 17.36045455 17.65977273 17.95909091 18.25840909 18.55772728 18.85704546
19.15636364 19.45568182 19.755 20.05431819 20.35363637 20.65295455 20.95227273 21.25159091
21.55090909 21.85022728 22.14954546 22.44886364 22.74818182 23.0475 23.34681819 23.64613637
23.94545455 24.24477273 24.54409091 24.8434091 25.14272728 25.44204546 25.74136364 26.04068182
26.34 26.63931819 26.93863637 27.23795455 27.53727273 27.83659091 28.1359091 28.43522728
28.73454546 29.03386364 29.33318182 29.63250001 29.93181819 30.23113637 30.53045455 30.82977273
31.12909091 31.4284091 31.72772728 32.02704546 32.32636364 32.62568182 32.92500001 33.22431819
33.52363637 33.82295455 34.12227273 34.42159092 34.7209091 35.02022728 35.31954546 35.61886364
35.91818182 36.21750001 36.51681819 36.81613637 37.11545455 37.41477273 37.71409092 38.0134091
38.31272728 38.61204546 38.91136364 39.21068183 39.51000001 39.80931819 40.10863637 40.40795455
40.70727273 41.00659092 41.3059091 41.60522728 41.90454546 42.20386364 42.50318183 42.80250001
43.10181819 43.40113637 43.70045455 43.99977273 44.29909092 44.5984091 44.89772728 45.19704546
45.49636364 45.79568183 46.09500001 46.39431819 46.69363637 46.99295455 47.29227274 47.59159092
47.8909091 48.19022728 48.48954546 48.78886364 49.08818183 49.38750001 49.68681819 49.98613637
50.28545455 50.58477274 50.88409092 51.1834091 51.48272728 51.78204546 52.08136365 52.38068183
52.68000001
[1] (No Special account For Salary)

[2] If only 1 withdrawal per month - 4.375 % - 5.25 % PA

HitSaver Account - 3.5 % - 6.5 % PA

Above ^50000 in bank: 5%

Above ^500000 in bank: 6.5%

[3] There's no Date/time issue. Trx Processed date shown in the site. Trx date may be differ from the
processed date

[4] http://www.sampath.lk/sampath_files/sopFTP/ops_charges.pdf

[5] https://www.sampath.lk/sampath_files/sccFTP/cardcentre_charges.pdf

[6] When fuel is pumped using a credit/debit card, bank charges a % on top of the fuel cost, some banks
refund this.

[7] Wrong balance shown due to cache problem in the phone. If the cache is cleared the balance will be
shown correctly.
Date issue is due to the difference between the trx date & the process date

[8] Rs. 1250/month if Relationship Balance is not met after the agreed grace period.

[9] As per the tariffs on their website, a monthly fee of Rs. 25/- will be charged if the account balance is less
than 1000/. It is mentioned nowhere that Rs. 500/ will be charged annually. Plz. Refer the link below under
general tariffs section.
http://www.combank.lk/newweb/en/rates-tariffs/general-tariffs#filer-b

[10] Count is taken based on Free Services offered and higher the number, better the rating

[11] Wrong balance shown due to cache problem in the phone. If the cache is cleared the balance will be
shown correctly.
Date issue is due to the difference between the trx date & the process date