Retail Services Tariff

Retail Services Tariff

Revised Tariff on Retail Services (w.e.f. 02-08-2024)

    RETAIL SERVICES

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

    Withdrawals below Rs. 200,000/-

    (Excl. Senior Citizens Scheme Accounts)

    Rs. 50/- per transaction
       
    Utility Bill Payment  
    Utility Bill Payment - Counter Rs. 35/- per Utility Bill
       
  • Current Account
    Type of Service Tariff
    Issuance  

    Cheque Book

    		 Rs. 35/- per leaf applicable for
    • Corporate [Business Customers]
    • Personalized [Personal customers]
    • Islamic Banking
    • Salary Smart
    • Premier Current Accounts
    Rs. 35/- per leaf applicable for
    • The Club
    • Priority Circle
    Business Banking Customers
    • Free of Charge

    *w.e.f 17.10.2022
    Continuous Cheque Leaves Rs. 35/- per leaf + printing charges
       
    Service Fee  

    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/-

    		 Rs. 600/- per month
       
    Account Maintenance  
    Other than Personal Accounts - Average Dr/Cr balance below Rs.25,000/- Rs. 300/- per month
    Conversion of Account from Active to Dormant (One off Fee) Rs. 50/- [one off fee]
     
    Statement
    Monthly Free of Charge
    Weekly Rs. 1,000/- per month
    Daily Rs. 2,000/- per month
    E-Statement any frequency Free of Charge
       
    Undelivered Statement  

    Fee for Undelivered Current Account Statements

    		 Rs. 250/-
       
    Stop Payments  
    Placement of stop payment

    With funds - Rs. 2,000/-

    Without Funds Rs. 5,000/-
    Loss of Cheque book Rs. 5,000/- per book or series in excess of 5 leaves
    Cancellation of Stop Payment Rs. 500/- per Cheque or series of 5 leaves
       
    Other Service  
    Closure of current Account Rs. 1,000/-
    Closure of Current Account for Unsatisfactory conduct Maximum Rs.1,500/- or balance in the account
       
    TOD  
    Processing Charge on Establishing TOD for Personal / Company / Other Accounts

    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/-)
  • Clearing
    Type of Service Tariff
    Cheque Returns  
    Outward - RD/ENR

    RD - Rs. 4,500/-

    ENR – Rs. 1,000/-

     
    Outward - Other (Technical errors) Rs. 500/-
    Inward (where either Bank has not made a mistake)

    Rs. 150/- (including postage)

    Rs. 100/- for SME Customers
       
    Additional charge for collecting by hand Rs. 1,000/- per month
       
    Mark for Payment  
    Presented by us to other banks Rs. 4,000/-
    Presented to us by other banks Rs. 2,000/-
       
    Post Dated Cheques  
    Handling Charges for Customers With POD Against PD Cheques Free of Charge
    Handling Charges for customers Without facilities Rs. 50/- per Cheque
       
    Local Bills Cheques Purchase  
    Customers with Limits In accordance with facility approval
    Customers without Limits 0.75% of the value of the cheque or Rs.1,000/- per cheque whichever is higher
       
  • Fixed Deposit
    Type of Service Tariff
    Other Fee  
    Duplicate FD Receipt Rs. 3,000/-
       
  • Savings Account
    Type of Service Tariff
    Pass Book  
    Replacement due to loss of Pass Book Rs. 500/-
       
    Closure  
    Closure of savings account Rs. 500/-
       
    Account Maintenance  
    Dormant Below Rs. 3,000/- Rs. 50/- per month
    Conversion of Account from Active to Dormant Rs. 50/-

    Savings Account Service Charge

    (Excluding Minor Accounts)

    Below Rs. 1,500/- - Rs. 50/- per month
       
  • Standing Orders
    Type of Service Tariff
    Set-up  
    Setting up fee (Exempt for Savings build up)

    Rs.250/- per Internal Standing Order

    Rs.350/- per External Standing Order

     
       
    Execution  
    Fund transfer within HNB Free of Charge
    Fund transfer to an account at any bank Rs. 50/- per transaction
    Fund transfer by Pay Order Rs. 1,500/- per remittance
       
    Maintenance  
    Amendments/Cancelation - (Amendment from and to accounts within HNB exempted)

    Rs.200/- per Internal Standing Order Cancellation

    Rs.250/- per External Standing Order Cancellation

     
       
  • Outward Remittances - Local
    Type of Service Tariff
    Cheque on Self  
    Issuance - A/C Debit Customer Rs. 1,000/-

    Issuance - Other (Cash)

    (Non Customer)

    		 Rs. 2,500/-
    Cancellation - Customers Rs. 1,000/-
    Cancellation - Non Customers Rs. 1,000/-
    Cancellation - Re-issuance to customers (alterations made) Rs. 1,500/-
       
    SLIPS/CEFT  
    HNB Accounts Free of Charge
    Other Bank Accounts Rs.30/- per beneficiary
    RTGS  

    Per Transfer

    		 Rs. 400/-
       
    Manual Fund Transfer  

    Within HNB - Single txn

    		 Rs. 250/-

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

    		 Rs. 250/- per beneficiary
       
  • Safety Deposit Lockers (Minimum Security Deposit - Rs.100,000/- for Small - SDL)
    Type of Service Tariff
    Annual Rental  
    Small Rs. 6,000/- + VAT
    Medium Rs. 7,000/- + VAT
    Large Rs. 10,000/- + VAT
    Extra large Rs. 12,000/- + VAT
    Staff (Deposit not required) 50% of fee + VAT
    Replacement of Lock/Key Actual cost + Rs. 1,500/-
       
  • E Banking / Cefts
    Type of Service Tariff
    Maintenance  
    Retail Customers Rs. 700/- per annum charged bi-annually
    Corporate Customers

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

    CEFTS/Transfers through:

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

    Rs. 30/- max. per transaction
    CEFTS Transfer over the counter

    Rs. 100/- max. per transaction
    Fund transfer through ATM of other members of CEFTS Rs. 100/- max. per transaction
    Payment to IRD – Merchant type 4106 Rs. 50/- max. per transaction
    RTGS Rs.400/-
    SLIPS Rs. 50/-
       
  • SMS Alerts
    Type of Service Tariff
    Joining Fee Nil
    Maintenance  
    E-Banking Free
    Account Txns Rs. 25/- per month
    Account Balance Rs. 15/- per month
    Trade Finance Rs. 30/- per month
    Chq. Related Rs. 20/- per month
       
  • Other Services
    Type of Service Tariff
    All Types of Accounts  
    Duplicate Statements - Personal A/c

    Rs. 400/- per statement

    (Charges per account per request)
    Duplicate Statements - Corporate A/c

    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 Rs. 450/- per letter
    Investigation/Search Fee for collection of data for Tax purposes,
    Interest recovered/paid etc.

    Current year- Rs. 500/-

    Previous (each) year - Rs. 750/-
    Balance Inquiry (including requests over the counter / telephone) Rs. 100/- per inquiry
       
    Current and Savings Accounts  
    Abandoned Property classification charge related to handling and of records. Rs. 500/- per account to be charged at the time of classification as AP.
       
       
    Postage  
    Postage of PIN Mailer Regd. Post/Courier within SL - Free
    Postage of PIN Mailer Regd. Post - Overseas - Rs. 250/-
    Postage of PIN Mailer 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 Flat charge of Rs 750/- for each event
    When security documents are scanned and sent to customers CIF registered email address. Rs. 100/- for each event
    Retrieval and processing fee when rush delivery of security documents
    (within 3 hours)    		 Flat charge of Rs. 1,750/- for each event.
    When security documents are scanned by Centre and sent to
    the BM or BOM as an e-mail    		 Rs.200/- for each event
    Retrieval and processing charges of security documents for fully settled facilities Flat charge of Rs.400/- for each event
    Temporary out of original security documents as per customer request Rs.1,000/- each event
       
    Adjusting Post Dated Cheque Limit  
    Charge for adjusting Post Dated Cheque Limit Rs.500/- for each change upwards
  • Treasury Bills and Treasury Bonds
    Face Value Commission
    Up to 24Mn 10,000
    25Mn - 49Mn 20,000
    50Mn - 99Mn 40,000
    100Mn & Above 60,000

    • PERSONAL FINANCIAL SERVICES

  • Home Loan and Personal Loan Charges
    Type of the Charge Charges
    Documentation Charges Up to Rs. 1,000,000/- Rs. 7,500/-
      Rs. 1,000,001/- to Rs. 5,000,000/- Rs. 10,000/-
      Rs. 5,000,001/- to Rs. 10,000,000/- Rs. 15,000/-
      Rs. 10,000,001/- to Rs. 50,000,000/- Rs. 20,000/-
     

    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.
  • Leasing
    Leasing Document Charges Amount

    Unregistered
    Up to Rs.3,000,000/- 8000 + VAT
    Rs.3,000,001/- to 5,000,000/- 11000 + VAT

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

    		 12500 + VAT

    Above Rs 10,000,000.00/-

    		 20000 + VAT

    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/-

    		 22000 + VAT

    Stamp duty charges (only for personal use vehicles)

    Monthly installment x leasing duration x1%

    • TARIFF FOR DEBIT CARDS/PREPAID CARDS

  • Issuing Fees
    Card Type Issuance Fee
    Platinum Rs. 600/-
    HNB Youth Rs. 550/-
    Sterling Lanka Rs. 600/-
    Salary Smart Rs. 550/-
    HNB Teen+ Rs. 550/-
      *w.e.f. - 23.08.2023
  • Annual Fee
    Card Type Issuance Fee
    Classic LKR 350/-
    Platinum LKR 350/-
      *w.e.f. - 23.08.2023
  • ATM Fees - Classic / Platinum
    Card Type Issuance Fee
    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/-

    Cash Withdrawal HNB

    With Receipt – Rs. 10/-  

    Without Receipt – Rs. 5/-

    Overseas Cash Withdrawals 

    USD 2

    Overseas Balance Inquiry

    USD 0.75
  • ATM Fund Transfer - Classic / Platinum
    Card Type Issuance Fee
    Within HNB Free
    Other Banks Rs. 30/- *w.e.f. 01st January 2021
  • Receipts - Classic / Platinum
    Card Type Issuance Fee
    Withdrawal Rs. 5/-
    Mini Statement Rs. 5/-
       
    Bill Payments Rs. 15/-
  • ATM Service Fees (per transaction)
    Card Type Issuance Fee
    ATM Access Fee for all Foreign Card Withdrawals Rs. 800/-
  • Other Fees
    Card Type Issuance Fee
    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 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.
    Exchange rate for overseas transactions billed in Sri Lankan Rupees (LKR) (merchants located overseas or international online platforms)

    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.

     
  • Debit Card Daily Transaction Limits
    Transaction Type Local (per day Limit Rs.) Overseas (per day Limit Rs.)
    ATM Withdrawal 200,000/- 100,000/-
    POS/IPG Transactions 500,000/- 500,000/-

    *Above limits are subject to country risk evaluation, hence certain countries may have lower spend limits.

    • TARIFF FOR CREDIT CARDS

  • Credit Card Types
    Card Type Fee Type
    Joining Fee Annual Fee
    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
    Card Type Fee Type
    Joining Fee Annual Fee
    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
    HNB Trinity College Affinity Free

    LKR 3,500/-

    *1st year annual fee waived off
    HNB SPC (St Peter's College) Platinum Affinity LKR 2,500/-

    LKR 3,500/-

    *1st year annual fee waived off
    HNB Ladies College Affinity Free

    LKR 3,500/-

    *1st year annual fee waived off
    HNB Nurse Platinum Affinity Free

    LKR 3,500/-

    *1st 2 years Annual Fee waived off
    HNB SLIA (Sri Lanka Institute of Architects) Platinum Affinity Free

    LKR 3,500/-

    *1st year annual fee waived off
    HNB SBC (St Benedict's College) Platinum Affinity Free LKR 3,500/-
    HNB Rahula College Affinity Free LKR 3,500/-
    HNB Richmond College Affinity Free

    LKR 3,500/-

    *1st year annual fee waived off
    HNB St Thomas College Affinity Free

    LKR 3,500/-

    *1st year annual fee waived off
  • Co - Branded Credit Cards
    Card Type Fee Type
    Joining Fee Annual Fee
    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
    Card Type Fee Type
    Joining Fee Annual Fee
    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

  • Interest Rates and Other Fees
    Fee Type Amount
    Interest Rate 26% per annum *w.e.f. 03rd September 2024
    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% from the opening balance or Rs.750/- (whichever amount is higher)
    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 3% 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)

    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.
    Minimum Due Amount

    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 
    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/-