Smart FD (Scrip-less Fixed Deposits)

Who are eligible?

  • Sri Lankan residents over 18 Years of age are eligible to open an account
  • Minimum Deposit Rs. 10,000/-
  • Period – 01,03,06 Months and 01 to 05 Years (conditions apply for one month deposits)


Why from Bank of Ceylon?

  • No 01 Commercial bank in Sri Lanka
  • 100% state owned bank
  • Financial stability


What are the Benefits?


  • No physical certificate, only the smart FD opening confirmation is issued
  • Instant SMS confirmation
  • Opening, Renewal, and Closing confirmations via e-mail
  • Applications/ closing requests can be sent by post, e-mail or fax
  • FD amount can be deposited to Current or Savings account (Bank will take the deposit amount from this account)
  • Can be closed without visiting the branch
  • Interest rates for Smart FDs are similar to normal FDs


Nominee can be applied by Branch visit only (Nominees cannot be requested by post, fax or e-mail).

Smart FD will be accepted as a security for loans, Guarantees etc… 


* Conditions apply

For more information contact the nearest Bank of Ceylon Branch.

Contact our Call Centre: 1975 (or +94 11 220 4444)


Download Application
FD Rates