Last updated 20.01.2021

SAVINGS ACCOUNTS

No Description Charge / Fee - LKR
1 Monthly Saving Charges (In lieu of Minimum balance) LKR 25.00
2 Savings account closure charges LKR 500.00
3 Savings withdrawals over the counter less than LKR 100,000.00 LKR 20.00

Last updated 20.01.2021

CURRENT ACCOUNTS

No Description Charge / Fee - LKR
1 Monthly Service Charges (In lieu of Minimum balance) - Personal Account LKR 500.00
2 Stop Payment Charges LKR 5,000.00
3 Current account closure charges LKR 1,500.00
4 Cheque return charges
4.1 Due to technical reasons LKR 500.00
4.2 Due to insufficient funds LKR 4,000.00
5 Cheque book charges per leaf LKR 18.50

Last updated 20.01.2021

STANDING ORDERS

No Description Charge / Fee - LKR
1 Placement Fee LKR 250.00 per change

Last updated 20.01.2021

REMITTANCES

No Description Charge / Fee - LKR
1 Inward remittances to Sri Lanka Rupee account - minimum (via SWIFT) LKR 300.00
2 Foreign Currency Drafts issuance customers for educational purpose LKR 400.00

Last updated 20.01.2021

DEBIT CARDS / INTERNET BANKING & SMS BANKING

No Description Charge / Fee - LKR
1 Debit (ATM) card issuance fee Gold / Platinum = LKR 500.00, Seylfie = LKR 250.00, Others = LKR 350.00
2 Debit(ATM) card annual fee LKR 400.00
3 Debit Card re- issue fee
3.1 Visa Classic / Master Domestic/International LKR 350.00
3.2 Visa Gold / Platinum LKR 500.00
3.3 Visa Debit Seylfie LKR 250.00
4 Pin re issue fee (for Visa Classic, Gold, Platinum) LKR 100.00
5 Lost card replacement fee Gold / Platinum = LKR 500.00, Seylfie = LKR 250.00, Others = LKR 350.00
6 ATM withdrawal fee- Seylan ATMs LKR 5
7 ATM withdrawal fee- other bank ATMs LKR 60.00
8 ATM withdrawal fee –Lanka pay ATMs LKR 30.00
9 ATM withdrawal fee - Foreign LKR 500.00
10 Balance inquiry fee- Seylan ATMs Free of charge
11 Balance inquiry fee- other bank ATMs LKR 50.00
12 Balance inquiry fee-Lanka pay ATMs LKR 7.50
13 Balance inquiry fee – Foreign LKR 50.00
14 Internet Banking
14.1 Personal customers Free of charge
14.2 Corporate customers First 03 users = LKR 1000.00, additions LKR 250.00 each
14.3 Re Issue of PIN LKR 150.00 per change

Last updated 20.01.2021

HARASARA DEBIT CARD

No Description Charge / Fee - LKR
1 Debit card annual fee LKR 400.00
2 Debit card issuance fee LKR 500.00
3 Card re-issuance fee LKR 500.00
4 Pin re-issue fee LKR 100.00
5 Lost card replacement fee LKR 500.00
6 ATM withdrawal fee- Seylan ATMs LKR 5.00
7 ATM withdrawal fee- other bank ATMs LKR 60.00
8 ATM withdrawal fee –Lanka pay ATMs LKR 30.00
9 ATM withdrawal fee - Foreign LKR 500.00
10 Balance inquiry fee- Seylan ATMs Free
11 Balance inquiry fee- other bank ATMs LKR 50.00
12 Balance inquiry fee-Lanka pay ATMs LKR 7.50
13 Balance inquiry fee – Foreign LKR 50.00
14 Fuel surcharge 1%

Last updated 20.01.2021

OTHERS

No Description Charge / Fee - LKR
1 Cash deposits during extended/weekend banking hours Up to LKR 3 Million per account, per day - free of charge. Above LKR 3 Million per account, per day - 0.0375% (Min LKR 500) (Amount in excess of LKR 3 Million)
2 SLIPS charges processed by diskette LKR 25.00
3 SLIPS charges processed manually LKR 50.00
4 CEFTS over the counter transactions LKR 100.00
5 RTGs charges LKR 1,000.00
6 Facility documentation fee (loans/ ODs/ LCs etc)
6.1 Cash backed facilities LKR 1,000.00
6.2 Other facilities 0.5% minimum LKR 2,000.00 & maximum LKR 200,000.00
6.3 Renewal of facilities 50% of the above
7 Bank Guarantees Full cash margin (Int bearing) - 1% minimum LKR 3,000.00 | Full cash margin (Non int bearing) - LKR 2,500.00

Last updated 20.01.2021

HOUSING LOAN CHARGES

No Description Charge / Fee - LKR
1 Processing Fee 0.5% of Loan Amount Minimum LKR 2,500.00 to Maximum LKR 50,000.00
2 Mortgage Bond
2.1 Up to LKR 3,000,000.00 1% of Loan amount -,Maximum LKR 30,000.00
2.2 LKR 3,000,000.00 to LKR 10,000,000.00 LKR 30,000.00 + 0.5% to the balance Loan Value e.g. If Loan amount = LKR 5Mio Charges = LKR 30,000.00 + (LKR 2Mio x 0.5%)
2.3 Above LKR 10.00Mio LKR 65,000.00 + 0.25% to the balance Loan Value e.g If Loan amount = LKR 12Million Charges = LKR 65,000.00 + (LKR 2Million x 0.25%)
2.4 VAT Mortgage Charges x 12%
2.5 Mortgage Bond Total = Mortgage Charges + VAT
3 Stamp Duty
3.1 Purchase or Construction of a House - Below LKR 3,000,000.00 No Charges
3.2 Purchase or Construction of a House - Above LKR 3,000,000.00 0.1% of Loan Amount
3.3 For Transfer deeds - Up to LKR 100,000.00 3.0% of Transfer deed value
3.4 For Transfer deeds - Above LKR 100,000.00 4.0%of Transfer deed value
4 Insurance Policies
4.1 Title Insurance Policy On evaluation requirement.
4.2 Mortgage Policy Mandatory
4.3 Fire Insurance At the time of purchasing a House *Completed Or Under Construction

Last updated 20.01.2021

IMPORTS & EXPORTS

No Description Charge / Fee - LKR
1 Import LC opening Commission 0.3% First 3 Months min LKR 4000.00, 0.15% addl. month or part thereof
2 Commission on import bills for collection
2.1 Bank to Bank DP: 0.25% min LKR 5,000.00, DA: 0.375% min LKR 5,000.00
2.2 Drawer to Bank DP:0.375% min LKR 6,000.00, DA:0.5% min LKR 6,000.00
3 Export LC negotiations Charges sight (local) Sight / Usance | Negotiation Fee - LKR 5,000.00 flat
4 Purchase of Export Bills Sight / Usance LKR 4,000.00 flat
5 Collection of Export bills 0.25% minimum LKR 3,000.00

Last updated 20.01.2021

PLATINUM CREDIT CARD

No Description Charge / Fee - LKR
1 Annual Fee LKR 3,500.00
2 Joining Fee LKR 2,750.00
3 Supplementary Card Fee LKR 2,750.00
4 Interest Free days on purchases (maximum) 51 Days. (Interest Free days are applicable only when full settlement is made monthly and is not applicable for Cash Advances). Interest/Finance Charges on Purchases 1.50% for Platinum, Gold & Classic Credit Card and 1.50% for Freedom Credit Card per month from transaction date up to settlement date
5 Late payment fee LKR 990.00
6 Excess Limit fee LKR 1,000.00
7 PIN Re. Issue fee LKR 200.00
8 Cash Advance Fee LKR 500.00 or 3% (which ever is higher)
9 Statement copy fee LKR 400.00
10 Confirmation Letter Issuing Fee LKR 600.00
11 Voucher Copy Retrieval fee LKR 850.00
12 Cheque Return – Refer to drawer LKR 2,000.00 + Postage
13 Cheque Return – Other Reasons LKR 1,000.00 + Postage
14 Lost card Replacement fee LKR 1,000.00
15 Overseas Courier Fee LKR 2,500.00

Last updated 20.01.2021

GOLD CREDIT CARD

No Description Charge / Fee - LKR
1 Joining Fee LKR 1,250.00
2 Annual Fee LKR 2,500.00
3 Supplementary Card Fee LKR 1,250.00
4 Interest Free days on purchases (maximum) 51Days. (Interest Free days are applicable only when full settlement is made monthly and is not applicable for Cash Advances). Interest/Finance Charges on Purchases 1.50% for Platinum, Gold & Classic Credit Card and 1.50% for Freedom Credit Card per month from transaction date up to settlement date
5 Late payment fee LKR 990.00
6 Excess Limit fee LKR 1,000.00
7 PIN Re. Issue fee LKR 200.00
8 Cash Advance Fee LKR 700.00 or 4% (which ever is higher)  
9 Statement copy fee LKR 400.00
10 Confirmation Letter Issuing Fee LKR 600.00
11 Voucher Copy Retrieval fee LKR 850.00
12 Cheque Return – Refer to drawer LKR 2,000.00 + Postage
13 Cheque Return – Other Reasons LKR 1,000.00 + Postage
14 Lost card Replacement fee LKR 1,000.00
15 Overseas Courier Fee LKR 2,500.00

Last updated 20.01.2021

CLASSIC CREDIT CARD

No Description Charge / Fee - LKR
1 Joining Fee LKR 1,000.00
2 Annual Fee LKR 1,500.00
3 Supplementary Card Fee LKR 1,000.00
4 Interest Free days on purchases (maximum) 51 Days. (Interest Free days are applicable only when full settlement is made monthly and is not applicable for Cash Advances). Interest/Finance Charges on Purchases 1.50% for Platinum, Gold & Classic Credit Card and 1.50% for Freedom Credit Card per month from transaction date up to settlement date
5 Late payment fee LKR 750.00
6 Excess Limit fee LKR 1,000.00
7 PIN Re. Issue fee LKR 200.00
8 Cash Advance Fee LKR 700.00 or 4% (which ever is higher)  
9 Statement copy fee LKR 400.00
10 Confirmation Letter Issuing Fee LKR 600.00
11 Voucher Copy Retrieval fee LKR 850.00
12 Cheque Return – Refer to drawer LKR 2,000.00 + Postage
13 Cheque Return – Other Reasons LKR 1,000.00 + Postage
14 Lost card Replacement fee LKR 1,000.00
15 Overseas Courier Fee LKR 2,500.00

Last updated 20.01.2021

PREMIUM CREDIT CARDS

No Description Charge / Fee - LKR
1 World Mastercard Credit Card Click Here
2 Visa Signature Credit Card Click Here