Retail Services Tariff

Withdrawals below Rs. 200,000/-

Rs. 50/- per transaction

Cheque Book

• Corporate [Business Customers]
• Personalized [Personal customers]
• Islamic Banking
• Salary Smart
• Premier Current Accounts

• The Club
• Priority Circle

• Free of Charge

*w.e.f 17.10.2022

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

(Excl. Senior Citizens Scheme Accounts)

Rs. 300/- per month

Premier Current Accounts -
Average monthly credit balance below Rs.200,000/-

Fee for Undelivered Current Account Statements

Manual

With funds - Rs. 2,000/-

Without Funds Rs. 5,000/-

Upto – Rs.999/- No charge

Rs.1,000 – Rs.99,999 – Rs.2,500

Rs.100,000 – Rs.4,999,999 – Rs.5,000

Rs.5,000,000 – Rs.9,999,999 – Rs.7,500

Above Rs.10.0Mn – 0.1% of TOD Value (Maximum Rs.25,000/-)

RD - Rs. 4,500/-

ENR – Rs. 1,000/-

Rs. 150/- (including postage)

Rs. 100/- for SME Customers

Savings Account Service Charge

(Excluding Minor Accounts)

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

Rs.250/- per Internal Standing Order

Rs.350/- per External Standing Order

Rs.200/- per Internal Standing Order Cancellation

Rs.250/- per External Standing Order Cancellation

Issuance - Other (Cash)

(Non Customer)

Per Transfer

Within HNB - Single txn

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

Rs.1000/- up to 4 corporate users per annum. Each additional user Rs.200/-

CEFTS/Transfers through:

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

Rs. 30/- max. per transaction

Rs. 400/- per statement

(Charges per account per request)

Rs. 600/- per statement

(Charges per account per request)

Current year- Rs. 500/-

Previous (each) year - Rs. 750/-

Swift Net 940 Daily

Rs. 50,000,001/- to Rs. 100,000,000/-

Rs. 25,000/-

Over Rs. 100,000,000/-

Rs. 35,000/-

Early Settlement / Part Payment Charges

3% of outstanding balance if settled within the first 2 years from disbursement, and 2% of the loan outstanding thereafter.

Unregistered

Rs.5,000,001/- to 10,000,000/-

Above Rs 10,000,000.00/-

Registered

Up to Rs.3,000,000/-

10000 + VAT

Rs.3,000,001/- to 5,000,000/-

13000 + VAT

Rs.5,000,001/- to 10,000,000/-

14500 + VAT

Above Rs 10,000,000.00/-

Balance Inquiry Lanka Pay

POS & IPG

Balance inquiry - On Screen

Balance inquiry - On Receipt

Cash Withdrawal HNB

With Receipt – Rs. 10/-  

Without Receipt – Rs. 5/-

Overseas Cash Withdrawals 

USD 2

Overseas Balance Inquiry

USD 0.75

All overseas transactions will be converted using the Bank’s TT Selling rate with 3% Mark Up at the time of the transaction.

Customers will be charged or refunded with the variance of amount to ensure the transaction is converted at the Bank’s TT Selling rate + the 3% markup applicable at the time the Bank receives the settlement from the payment Card schemes.

What is Dynamic Currency Conversion (DCC)?

Dynamic Currency Conversion (DCC) is the conversion of the purchase price of goods or services from the currency in which the purchase price is displayed to the cardholder's billing currency. That currency then becomes the transaction currency, regardless of the merchant's local currency.

What happens if the transaction is converted via DCC?

The merchant will convert the transaction amount into LKR, exchange rate to be determined by the relevant merchant/ATM bank. This rate may differ from the foreign exchange rate determined by the payment scheme Visa, MasterCard or other relevant payment card scheme associations.

At the time of the transaction a Markup of 3% over the transacted value will be applicable .Customers will be charged or refunded with the variance of amount to ensure the transaction is converted at the Bank’s TT Selling rate + the 3% markup applicable at the time the Bank receives the settlement from the payment Card schemes. This is inclusive of Dynamic Currency Conversion (DCC) transactions as well.

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 

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 

LKR 2,500/- *w.e.f. 25th January, 2021

LKR 3,500/- *w.e.f. 25th January, 2021

LKR 3,500/- *w.e.f. 25th January, 2021

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

LKR 5,000/- *w.e.f. 25th January, 2021

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

LKR 3,000/-

* 1st year Annual fee is waived off 

LKR 3,500/- *w.e.f. 25th January, 2021

*1st year Annual fee is waived off 

LKR 5,000/- *w.e.f. 25th January, 2021

*1st year Annual fee is waived off 

Local Cash Withdrawals - 3% + LKR 100/-

International Cash Withdrawals - 3% + LKR 200/-

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.

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 3% is included over the transacted rupee value at the time of billing. This is inclusive of Dynamic Currency Conversion (DCC) transactions as well.

3% 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 3% of the outstanding balance) - *w.e.f. 09th May 2022