Personal >> Savings >> Hnb Salary Smart
Get 3 Times Your Salary From Your Bank

Open an HNB SalarySMART account. Route your salary and get an equivalent of 3 times your salary with HNB SalarySMART.
Get more from your pay, to live the life you want.


  • 3 times your net salary as an Overdraft Facility or as a Personal Loan
  • 50% net salary as an advance
  • No guarantors
  • Special interest rates for Leasing, Personal and Home Loans
  • Loan buyback (Debt Consolidation Loans) at special rates
  • HNB Platinum Visa Credit Card with first year annual fee waived off 
  • High interest savings account with unlimited withdrawals
  • Exclusive benefits and discounts on Life, Motor and Non-Motor Insurance Policies
  • And many more
    • Branded cheque book with first cheque book issued free of charge
    • 50% off on the first year's safety deposit locker rental fee
    • Internet and Mobile Banking fee waived off for the first year
    • Free Sweeping facility
    • Free Online Pooling facility
    • Hassle free documentation
    • Loan/Facility approval within 48 hours
    • HNB FIT for higher interest rates on your Rupee Savings
    • HNB FC Advantage account for higher interest rates on your Foreign Currency Savings


Eligibility Criteria

  • Sri Lankan citizens aged 18 years or above
  • Salaried individuals earning a net income of Rs. 50,000- or above and routing their salary through HNB


Documents required

  • Completed application form
  • Copy of latest Salary Slip
  • Copy of NIC or Valid Driving License
  • Copy of Utility bill if permanent address differs from NIC/ Driving License


Get your HNB Shopping Debit Card that gives you the equivalent of 3 times your salary offered as part of Salary SMART account from HNB.


*Conditions Apply


How can I get this product?


Do you have more questions?

Call us at

0112 462 462

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