Retail Services Tariff

 

 

Revised Tariff on Retail Services (w.e.f. 01-09-2021)

TYPE OF SERVICE RECOVERY METHOD TARIFF

CASH

   
Cash Order    
Collected at the branch Manual   1/2% (Rs. 5,000/- Minimum)
Delivered at customer location through approved transport agent Manual  1/2% (Rs. 5,000/- Minimum + charges of transport agent)
     
Counter Withdrawal Charges    

Below Rs. 200,000/-

(Excluding Senior Citizens Scheme Accounts)
Auto Rs. 15/-
     
Utility Bill Payment    
Utility Bill Payment - Counter Auto Rs. 35/- per Utility Bill
     

CURRENT ACCOUNT

Issuance

   

Cheque Books

Auto Rs. 20/- per leaf
Continuous Cheque Leaves Auto / Manual  Rs. 20/- per leaf + printing charges
     
Service Fee    
Premier Current Accounts -
Average monthly credit balance below Rs.200,000-
Auto 

Rs. 600   

*w.e.f. 01/09/2021

Personal Accounts - Average Dr/Cr balance below Rs.10,000/-

(Excl. Senior Citizens Scheme Accounts)

Auto  Rs. 200/- per month 
     
Account Maintenance    
Other than Personal Accounts - Average Dr/Cr balance below Rs.25,000/- Auto Rs. 300/- per month 
Conversion of Account from Active to Dormant (One off Fee) Auto Rs. 50/-
 

Statement

Monthly N/A Free of Charge
Weekly Auto Rs. 1,000/- per month
Daily Auto Rs. 2,000/- per month 
E-Statement any frequency N/A Free of Charge
     

Undelivered Statement

   

Fee for Undelivered Current Account Statements

Manual

 Rs. 250/-
     

Stop Payments

     
Placement of stop payment Auto  

With funds - Rs. 2,000/-

Without Funds Rs. 4,000/-

Loss of Cheque book Auto    Rs. 3,000/- per book or series in excess of 5 leaves
Cancellation of Stop Payment Auto    Rs. 500/- per Cheque or series of 5 leaves
     
Other Service     
Closure of current account  Auto  Rs. 1,000/- 
Closure of Current Account for Unsatisfactory conduct Manual Rs. 1,000/- 
     

CLEARING

   

Cheque Returns

   
Outward - RD/ENR Auto   Rs. 4,000/-
Outward - Other (Technical errors) Auto  Rs. 500/-
Inward (where either Bank has not made a mistake) Auto

Rs. 100/- (including postage)

Rs. 50/- for SME Customers

     
Additional charge for collecting by hand Manual Rs. 1000/- per month
     

Mark for Payment

   
Presented by us to other banks Auto Rs. 4,000/-
Presented to us by other banks Manual Rs. 2,000/-
     

Post Dated Cheques

   
Handling Charges for customers with POD against PD cheques N/A Free of Charge
Handling Charges for customers without facilities Manual Rs. 50/- per Cheque
     

Local Bills Cheques Purchase

    
Customers with limits Manual In accordance with facility approval
Customers without limits Auto 0.75% of the value of the cheque or Rs.1,000 per cheque whichever is higher

 

   

FIXED DEPOSIT

   
Other Fee    
Duplicate FD receipt Manual Rs. 3,000/-
     

SAVINGS ACCOUNT

   
Pass Book    
Replacement due to loss of Pass Book Manual Rs. 500/-
     
Closure    
     
Closure of savings account Auto Rs. 500/-
     
Account Maintenance    
Dormant Below Rs. 5,000/- Auto Rs. 50/- per month
Conversion of Account from Active to Dormant Auto Rs. 50/-

Savings Account Service Charge

(Excluding Minor Accounts)

Auto

Average Balance:

  • below Rs. 1,000 - Rs. 35/- per month 
  • Rs. 1,000/- to Rs. 2,000 - Rs.30/- per month
  • Rs. 2,000/- to Rs. 3,000 - Rs.5/- per month
     

STANDING ORDERS

   
Set-up    
Setting up fee (Exempt for Savings build up) Auto Rs. 250/- per Standing Order 
     
Execution    
Fund transfer within HNB N/A Free of Charge
Fund transfer to an account at any bank Auto Rs. 50/- per transaction
Fund transfer by Pay Order Auto Rs. 300/- per remittance
     
Maintenance    
Amendments/Cancelation - (Amendment from and to accounts within HNB exempted) Auto Rs. 100/- 
     

OUTWARD REMITTANCES - LOCAL (Effective Date : 01-01-2021)

   
Cheque on Selves    
Issuance - A/c Debit Auto Rs. 500/-
Issuance - Other (Cash) Auto Rs. 1,000/-
Re-issuance Customer Auto/Manual Rs. 500/-
Cancellation - Customers Manual     Rs. 500/-
Cancellation - Non Customers Manual Rs. 750/-
     

RTGS

   

Per Transfer

Auto Rs. 400/-
     
Manual Fund Transfer    

Within HNB - Single txn

Auto Rs. 150/-

Within HNB - Multiple Trxn (Including - Cheque with multiple Credits)

Auto Rs. 150/- per beneficiary
     

SAFE DEPOSIT LOCKERS (MINIMUM SECURITY DEPOSIT - RS.50,000-)

   
Annual Rental    
Small  S/O Rs. 4,000/- + VAT per annum
Medium S/O Rs. 5,000/- + VAT per annum
Large S/O Rs. 7,500/- + VAT per annum
Extra large S/O Rs. 10,000/- + VAT per annum
Staff  (Deposit not required) S/O 50% of fee + VAT per annum
Replacement of Lock/Key Manual Actual cost
     

E BANKING

   

Maintenance

   
Retail Customers (Internet Banking/Digital Banking) Auto Rs. 500/- per annum charged biannually
Corporate Customers Auto Rs. 1000/- for 4 corporate users per annum. Each additional user Rs.200/-
USSD Registration Auto Rs. 200/- per annum
Hardware Token Auto Rs. 2,000/- per Token
     
Transactions (Effective Date: 01-01-2021)    

CEFTS/Transfers through:

i. E-Banking
ii. Mobile Banking
iii. ATMs of respective member of CEFTS

Auto Rs. 30/- max. per transaction
CEFTS Transfer over the counter Auto Rs. 100/- max. per transaction
Fund transfer through ATM of other members of CEFTS Auto Rs. 100/- max. per transaction
Payment to IRD – Merchant type 4106 Auto Rs. 50/- max. per transaction
RTGS Auto Rs.400/-
SLIPS Auto Rs. 50/-
     
SLIPS/CEFT (Effective Date: 01-01-2021)    
HNB Accounts N/A Free of Charges
Other Banks Accounts  Auto Rs.30/- per beneficiary 

SMS Alert

   
Joining Fee   Nil 
Maintenance    
E-Banking   Free
Account Txns   Rs. 20/- per month
Account Balance   Rs. 15/- per month
Trade Finance   Rs. 30/- per month
Chq. Related   Rs. 20/- per month
     

OTHER SERVICES 

   
Current and Savings Accounts    
Abandoned Property classification charge related to handling and of records.  Auto Rs. 500/- per account to be charged annually. 
Joining Fee for Debit Cards    Classic Debit Card – Rs. 350-
Platinum Debit Card – Rs. 400-
Annual Fee for Debit Cards   Rs. 250- 
     
All Types of Accounts     
Duplicate Statements - Personal A/c Auto

Rs. 400/- per statement

(Charges per account per request)

Duplicate Statements - Corporate A/c Auto

Rs. 600/- per statement

(Charges per account per request)

Issue of Certificate of Balance/ Financial Year End Statement for Audit purposes / Manual Letters issued to Malaysian Embassy etc. confirming currency issuance by placing liens Auto / Manual Rs. 350/- per letter
Investigation/Search Fee for collection of data for Tax purposes, 
Interest recovered/paid etc.
Manual

Current year- Rs. 350/-

Previous (each) year - Rs. 500/-

Balance Inquiry (including requests over the counter / telephone) Manual Rs. 100/- per inquiry
     
Postage    
Postage of PIN Mailer N/A Regd. Post/Courier within SL - Free
Postage of PIN Mailer Manual Regd. Post - Overseas - Rs. 250/-
Postage of PIN Mailer Manual Courier - Overseas - Rs. 2,500/-
     
SWIFT NET 940    

Swift Net 940 Daily

  Rs. 500/- per month
Swift Net 940 Weekly   Rs. 300/- per month
Swift Net 940 Monthly   Rs. 200/- per month
     
Retrieval of Security Documents    
Retrieval and Processing Fee When Releasing Photocopies of Security Documents Manual Flat charge of Rs 750/- for each event
Email Sent as Retrieval and Processing Fee Per Customer When Security Documents are Scanned and Sent To Customers Registered Email Address Manual Rs 100/- for each event
Retrival and Processing Fee When Rush Delivery of Security Documents (Within 3 Hours) Manual Flat charge of Rs 1,750/- for each event
     
Adjusting Post Dated Cheque Limit    
Charge for Adjusting Post Dated Cheque Limit  Manual Rs 500/- for each change upwards 
     
Retrieval of Security Documents  w.e.f. 02-03-2020
When security documents are scanned by Centre and sent to the BM or BOM as an e-mail Manual Rs.200/- for each event
Retrieval and processing charges of security documents for fully settled facilities Manual Flat charge of Rs.400/- for each event
Temporary out of original security documents as per customer request Manual Rs.1,000/- each event
     
     

 

 

TARIFF FOR DEBIT CARDS/PREPAID CARDS

TYPE OF DEBIT CARD/PREPAID CARD CHARGES (COMMISSION)

Issuing Fees

 
Classic Rs. 350
Platinum / CH17 Rs. 400

Wally E Prepaid

Rs. 300
Travel USD Prepaid Rs.250 A/C Holders & Rs.500 For Non A/C Holders

Annual Fee

 
Classic LKR 250
Platinum LKR 250

ATM Fees - Classic / Platinum / Wally E

 
HNB Rs. 5    
Lanka Pay Rs.30
Non Lanka Pay Rs.50

Balance Inquiry Lanka Pay

Rs. 7.50

POS & IPG

Free

Balance inquiry - On Screen

Free

Balance inquiry - On Receipt

Rs. 2.00

Cash Withdrawal HNB

With Receipt – Rs. 10.00  

Without Receipt – Rs. 5.00

Overseas Cash Withdrawals 

USD 2.00

Overseas Balance Inquiry

USD 0.75

ATM Fund Transfer - Classic / Platinum

 
Within HNB Free
Other Banks Rs. 30.00 (w.e.f. 01st January 2021)
   

Receipts - Classic / Platinum / Wally E

 
Withdrawal Rs. 5
Mini Statement Rs. 5
   
Bill Payments Rs. 15

Travel USD Prepaid

 
Reload Fee 1% Of Load / Reload Value
Refund Fee USD 1.00
Balance Inquiry (Foreign ATM) USD 0.75
ATM Withdrawal (Foreign ATM) USD 2.00
Lost Card Rs. 500.00
HNB Mini Statement Receipt Rs. 5.00
HNB ATM Balance Inquiry Slip Rs. 5.00

ATM Service Fees (per transaction)

 
ATM Access Fee for all Foreign Card Withdrawals Rs. 450/-

Other Fees

 
Fuel Surcharge  1% of the payment value (on purchase of fuel)
Exchange Rates for Overseas Transaction Billing All overseas transactions will be converted using the Bank’s  TT/DD Selling rates. In order to mitigate exchange rate movements, the additional amount which is included to the rate at the time of billing will be revised to 2.5% w.e.f 14th September 2021
Exchange rate for overseas transactions billed in Sri Lankan Rupees (LKR) (merchant located overseas or international online platforms)

All overseas transactions billed in Sri Lankan Rupees (LKR) (merchant located overseas or international online platforms) will be converted using the Bank’s TT/DD Selling rates. In order to mitigate exchange rate movements, an additional amount of 2.5% is included over the transacted rupee value at the time of billing. This is inclusive of Dynamic Currency Conversion (DCC) transactions as well.


What is Dynamic Currency Conversion (DCC)?
Dynamic Currency Conversion (DCC) is a service offered at selected payment card acceptance points (Point of Sale-POS machines) located overseas and also utilized by select merchants and service providers in Sri Lanka (who may be located overseas or online). DCC provides the ability to convert a foreign currency transaction into the currency of the cardholder’s Credit or Debit Card at the point of sale, with the customer’s consent. The currency of HNB Debit Cards(linked to LKR accounts) is LKR.

What happens if the transaction is converted via DCC?
The merchant will convert the transaction amount into the currency of the relevant Debit Card, using a foreign exchange rate determined by the relevant merchant or DCC service provider. This rate may differ from the foreign exchange rate determined by the payment scheme Visa, MasterCard or other relevant payment card scheme associations.

 

 

TARIFF FOR CREDIT CARDS

Card Type Fee Type
Joining Fee Annual Fee

Credit Card Types

Classic / Regular Free LKR 2,500 (w.e.f 25th January, 2021)
Classic / Regular - Supplementary Free Free
Gold Free LKR 2,500 (w.e.f 25th January, 2021)
Gold - Supplementary Free Free
Platinum Free LKR 3,500 (w.e.f 25th January, 2021)
Platinum - Supplementary Free Free
Signature Free LKR 5,000 (w.e.f 25th January, 2021)
Signature - Supplementary Free Free
Infinite Free LKR 6,500 (w.e.f 25th January, 2021)
Infinite - Supplementary Free Free
MasterCard World Free Lifetime Annual fee waived off
Club Infinite Free Lifetime Annual fee waived off
HNB Corporate / Fuel card Free LKR 3,000
HNB Business / Fuel card Free LKR 3,000

Affinity Credit Cards

HNB ICASL (Institute of Charted Accountants of Sri Lanka) Affinity Platinum Free  LKR 3,500 (w.e.f 25th January, 2021)
HNB ICASL (Institute of Charted Accountants of Sri Lanka) Affinity Signature  Free  LKR 5,000 (w.e.f 25th January, 2021)
HNB AAT (Association of Accounting Technicians) Affinity Gold  Free  LKR 2,500 (w.e.f 25th January, 2021)
HNB FAU (Flight Attendants Union) Affinity Platinum  Free 

LKR 3,500 (w.e.f 25th January, 2021)

*1st year annual fee waived off

*2nd year onwards 50% waived off from the annual fee 

HNB FAU (Flight Attendants Union) Affinity Signature  Free 

LKR 5,000 (w.e.f 25th January, 2021)

*1st year annual fee waived off

*2nd year onwards 50% waived off from the annual fee 

HNB Royal College RCU (Royal College Union) Classic Free

LKR 2,500 (w.e.f 25th January, 2021)

HNB Royal College RCU (Royal College Union) Platinum Free

LKR 3,500 (w.e.f 25th January, 2021)

Co - Branded Credit Cards

Toyota Platinum Free

LKR 3,500 (w.e.f 25th January, 2021)

*Lifetime annual fee waiver - Based on spend of 25,000 monthly or 300,000 annually

Toyota - World Free 

LKR 5,000 (w.e.f 25th January, 2021)

*Lifetime annual fee waiver - Based on spend of 25,000 monthly or 300,000 annually

ICC (International Chamber of Commerce) - Corporate Card  Free 

LKR 3,000/-

* 1st year Annual fee is waived off 

ICC (International Chamber of Commerce) - Employee Card  Free Depends on the card limit 
CIOB (Ceylon Institute of Builders) - Corporate Card Free LKR 3,000
CIOB (Ceylon Institute of Builders) - Employee Card Free Depends on the card limit
IFS - Signature Free LKR 5,000 (w.e.f 25th January, 2021)  *1st & 2nd year Annual fee is waived off
IFS - Infinite Free LKR 6,500 (w.e.f 25th January, 2021)  *1st & 2nd year Annual fee is waived off

Pre - approved Credit Cards

Prestige Prime – Platinum Free

LKR 3,500 (w.e.f 25th January, 2021)

*1st year Annual fee is waived off 

Prestige Prime – Signature Free

LKR 5,000 (w.e.f 25th January, 2021)

*1st year Annual fee is waived off 

 

Interest rate and other fee structure

Fee Type Amount
Interest Rate 18% per annum
Stamp Duty As per the notice of the Department of Inland Revenue, with effect from 1st January 2016, 2.5% will be charged as stamp duty from the Credit Card transactions done overseas, inclusive of online transactions performed on websites of companies incorporated overseas (Rs.25/- for every Rs.1000/- or part thereof)
Cash Advance Fee

Local Cash Withdrawals - 3% + LKR 100

International Cash Withdrawals - 3% + LKR 200

Late Payment Fee 0.75% of the credit limit or the total outstanding whichever is lower subject to a minimum of Rs. 750
Overlimit Fee LKR 500
Fuel Surcharge  1% of the payment value (on purchase of fuel - w.e.f. 25th January, 2021)
Exchange Rates for Overseas Transaction Billing All overseas transactions will be converted using the Bank’s TT/DD Selling rates. In order to mitigate exchange rate movements, an additional amount of 2.5% is included to the rate at the time of billing.
Exchange rate for overseas transactions billed in Sri Lankan Rupees (LKR) (merchant located overseas or international online platforms)

All overseas transactions billed in Sri Lankan Rupees (LKR) (merchant located overseas or international online platforms) will be converted using the Bank’s TT/DD Selling rates. In order to mitigate exchange rate movements, an additional amount of 2.5% is included over the transacted rupee value at the time of billing. This is inclusive of Dynamic Currency Conversion (DCC) transactions as well.

What is Dynamic Currency Conversion (DCC)?
Dynamic Currency Conversion (DCC) is a service offered at selected payment card acceptance points (Point of Sale-POS machines) located overseas and also utilized by select merchants and service providers in Sri Lanka (who may be located overseas or online). DCC provides the ability to convert a foreign currency transaction into the currency of the cardholder’s Credit or Debit Card at the point of sale, with the customer’s consent. The currency of HNB Credit Cards is LKR.

What happens if the transaction is converted via DCC?
The merchant will convert the transaction amount into the currency of the relevant Debit Card, using a foreign exchange rate determined by the relevant merchant or DCC service provider. This rate may differ from the foreign exchange rate determined by the payment scheme Visa, MasterCard or other relevant payment card scheme associations.

Minimum Due Amount 2.5% of the Total Outstanding Amount (If the total outstanding as at the statement date, exceeds the credit limit, the minimum payment would be the sum of the excess amount over the credit card limit plus 2.5% of the outstanding balance)
Interest Free Period Minimum - 25 days, Maximum  - 55 days, for purchase transactions only
Limit Enhancement Fee - Temporary LKR 300
Limit Enhancement Fee - Permanent LKR 250
Card Replacement LKR 500
Balance Confirmation Letter LKR 250

 

 
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