PERSONAL BANKING
  Savings
  Current Accounts
  Time Deposits
  Elite Circle
  Dynamic Overdrafts
  U Lease
  Ran One -
      Pawning Service
  Loans
  Foreign Currency Accounts
  Special Accounts
 
 
 
   
  Savings
   
  i. Regular Savings
       Initial Deposit - Rs. 1000/=
     Interest Rate -
   
  • Sri Lankans /Foreign Nationals (aged 18 years and above) or Sri Lankan Entities  ( Companies, Firms, Clubs, Societies )  are permitted to open savings accounts.
  • Initial deposit is Rs. 1,000/- .
  • Interest rate is periodically adjusted to be in line with market rates.
  • Interest is calculated on a average balance and credited monthly.
  • Cheque deposits are permitted if properly introduced.
  • Accepted as security for credit facilities ( Overdrafts, Loans)
  • Fully automated cash / cheque deposits, no filling of forms.
  • Provision to transfer and receive money on the same day through "RTGS / SLIPS" transfers.
  • You could nominate any person /s, as beneficiary to your account balances, during the relationship for amounts of your choice
  • You could appoint any person of full contractual capacity to operate the account in your absence
  • Automated daily fax - statement free of charge on all accounts maintained - transmitted on the same day.
  • Provision to give standing order instructions on these accounts.
  • Unique number for each Customer - common to all types of accounts opened.
  • All transactions will be recorded in a special passbook or a statement as per clients request.
   
  ii. Super Savings
       Initial Deposit - Rs. 1000/=
     Interest rate  
   
  • Maintain your deposit for 90 consecutive days respectively.
  • All Deposits are tracked individually.
  • Each individual deposit interest rate, is subjected to reduction, if any withdrawal is done, within the specified period.
  • Interest is calculated on a average basis and credited monthly either to the same account or to a separate Current/ Saving account. Crediting interest to a separate account will enable the client to enjoy earning interest at the highest rate, as the withdrawal of interest is not debited to the respective savings account.
   
  iii. "Piyawara"Children´s Savings Accounts
       Initial Deposit - Rs. 100/=
     Interest rate 
   
  • Minors below 15 years of age are eligible to open these accounts.
  • The account will be opened in the name of the child.
  • Interest rate is periodically adjusted to be in line with market rates.
  • Interest is calculated on a daily balance and credited monthly.
  • Withdrawals are generally permitted once the Minor becomes a major, at the age of 18 years.
  • No withdrawals are permitted until the age of 18 years. Withdrawals may be permitted before that at the discretion of the bank for the child´s medical or educational or maintenance purposes.
   
  iv. Super Six Savings
       Initial Deposit - Rs. 1000/=
     Interest Rate
   
  • Maintain your deposit for 180 consecutive days respectively.
  • All Deposits are tracked individually.
  • Each individual deposit interest rate, is subjected to reduction, if any withdrawal is done, within the specified period.
  • Interest is calculated on a daily basis and credited monthly either to the same account or to a separate Current/ Saving account. Crediting interest to a separate account will enable the client to enjoy earning interest at the highest rate, as the withdrawal of interest is not debited to the respective savings account.
   
  iv. UB Ultra Saver
       Initial Deposit - Rs. 5000/=
     Interest Rate  
   
  • Sri Lankans /Foreign Nationals (aged 18 years and above) or Sri Lankan Entities ( Companies, Firms, Clubs, Societies ) are permitted to open savings accounts.
  • Initial deposit is Rs. 5,000/- .
  • Interest rate is periodically adjusted to be in line with market rates.
  • Interest is calculated on a average balance and credited monthly.
  • Cheque deposits are permitted if properly introduced.
  • Accepted as security for credit facilities ( Overdrafts, Loans)
     
  v. Ruwaththi Savings Account
       Initial Deposit - Rs. 1000/=
     Interest Rate  
   
  • Attractive Interest Rates for Savings.
  • Special Loan facilities .
  • Special Interest Rates on fixed Deposits.
  • Special Interest rates for Pawning.
  • Free “Easy Plus” Current Account.
  • A host of other benefits.
     
  NOTE  Withholding Tax is applicable for all above products under regulations issued by the Department of Inland Revenue Circular Ref :SEC/2011/1 dated 28/02/2011.
- Please refer for details under publications and reports
 

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