Saving made simple, convenient and truly rewarding

Save with ease and convenience by choosing a reliable and feature-rich savings account with Dialog Finance. This new and innovative product transcends the traditional savings experience, as the digital savings account enables you to access funds and transact directly from your mobile phone anywhere at any time.

What you get with your Dialog Finance savings account
No charges on utility bill payments
Instant and paperless
Interest rates at 5.00%
Anytime banking
Dialog Finance Sri Lanka

Check your transactions
Keeping tabs on your transactions is as easy as just logging into your Genie App! Instantly check if your payments have been debited or credited, and receive alerts on the go.

Transfer and receive funds without delays
Transfer cash instantly and without hassle to anyone with just the tap of a few buttons. You could also top up your eZ cash account or add funds to savings account via JustPay completely free of charge.

Easy cash withdrawals
Withdraw cash from LankaPay ATMs across the country quickly and easily with your very own ATM card.

Hassle-free bill payments
There’s no need to worry about sorting your bills anymore. With Dialog Finance’s Bill Pay facility, you can easily pay utility bills on time easily.

Safe and secure banking
Your savings account is safe and secure with Dialog Finance, as we employ best-in-class security solutions conforming to global best practice to keep your funds and valuable data safe from malicious elements. Only you have access to your accounts and fund.

Banking on the move
Pay your bills, make transfers and check your balance wherever you are – access your money directly from your mobile phone anytime, anywhere 24*7

Open your account today
Opening up your new savings account is as easy as downloading the genie app and inserting your info – there are no queues or heavy documentation. If you need any assistance, just give us a call at our 24*7 hotline 0777370370.

*Eligible deposit liabilities are insured with the Sri Lanka Deposit Insurance Scheme implemented by the Monetary Board for compensation up to a maximum of Rs. 1,100,000 per depositor.

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Interest Rates

Product Interest Rate p.a
Individual Savings 5%
Corporate Savings -Rs.25,000/- & above deposit value 4%
Corporate Savings -below Rs.25,000/- deposit value 3.5%
Minor Savings Accounts 5%
Savings Accounts for Touch Fuel 2%
Goal Based Fixed Deposit | Adult 6.5%

FAQs about Savings

It is an innovative digital savings product, which allows you to access your money directly from your mobile phone anytime, anywhere 24*7

Individuals who are 18 Years and above (Srilankans citizens only) can open this savings account

  • Download the Genie App from the Google Play Store or App Store and register into the App
  • Click on ‘Open a Savings Account’ and follow the instructions

  • Valid ID proof (NIC /PP /DL)
  • If the mailing address is different from submitted ID proof, any of the following billing proofs, which is not more than 3 months old should be submitted
    • Driving License
    • Utility bill (EXCEPT mobile bill)
    • Bank Statement /Passbook
    • Letter from a public authority
    • Tenancy Agreement
    • Income tax receipt / Assessment notice

You can use ‘Add Money’ option under the savings account balance and pull money from your other bank accounts via the Just Pay option.

Log in to the Genie App and view the Savings Account Information page

  •  Add money from other banks via Just Pay option
  • Bill payments via savings account
  • ATM card request & management
  • QR / OTC payments via Savings account
  • Transfer money to DFP A/c or another bank A/c
  • View your transaction history
  • Existing customer can link their savings accounts and enjoy the benefits in Genie App

There is no minimum deposit amount to open a DF Savings account

  • ATM withdrawals LKR50,000/- per day
  • To other banks LKR250,000/- per transaction
  • To DF to DF savings A/c LKR1,000,000/- per transaction

No, you will receive an e-statement at the end of each month

Yes.Customers have to visit the Dialog Finance branch to get a certified copy.

You will eligible for 5.00% p.a. interest rate (The Company shall have the right to change or vary interest rates as and when required due to regulatory directions or company decisions)

From the first date of deposit onwards

Interest is calculated on a daily basis at the end of day balance. This interest will be credited to the customer’s account on the 25th of each month.

  • LKR20/- apply for all outward CEFT transfers.
  • ATM-related charges will apply with effect from 1st April 2021
  • All Bill payments are free of charge.

There is no minimum balance requirement at present

Currently No, you can only open an individual DF Savings A/c

  • Withdrawals from other bank ATMs is LKR25/- per transaction.
  • Balance inquiry is LKR7.50

  • Click on ‘Open a Savings Account’
  • Click on ‘Get your ATM card’
  • Select ‘I need a Dialog Finance ATM card’
  • Choose how you want to get the ATM card

  • Click on ‘Open a Savings Account’
  • Click on ‘Get your ATM card’
  • Select ‘I already have a Dialog Finance ATM card’
  • Enter your 19 digits ATM card No
  • Validate the OTP
  • Confirm your savings account

  • Click on ‘Open a Savings Account’
  • Click on ‘Manage ATM card’
  • Select ‘Reset PIN’
  • Validate the OTP
  • Set new 4 digits PIN

  • Click on ‘Open a Savings Account’
  • Click on ‘Manage ATM card’
  • Select ‘Temporary card block’
  • Validate the OTP

  • Click on ‘Open a Savings Account’
  • Click on ‘Unblock your card to use it’
  • Validate the OTP

  • Click on ‘Open a Savings Account’
  • Click on ‘Manage ATM card’
  • Click on “Request a new card”
  • Select “I have damaged my card”
  • Validate the OTP
  • Click on ‘Request ATM card’
  • Choose how you want to get the ATM card

  • Click on ‘Open a Savings Account’
  • Click on ‘Manage ATM card’
  • Click on ‘Report Lost /Stolen card’
  • Validate OTP
  • Click on ‘Request ATM card’
  • Choose how you want to get the ATM card

Any LankaPay ATM in Sri Lanka

No

No, you could do ATM transactions only

Yes, you can pay your utility bills, telecommunication bills and institutional payments via your savings account

No. All bill payments are free of charge.

Terms and Conditions

1. The Account Holder of the Savings Account (“Account”) have read, understood and agree to be bound by the terms and conditions set out by Dialog Finance PLC (“Company”) herein below.

2. I understand that the Company is recognized as a Prescribed Authority by the Department of Registration of Persons of Sri Lanka (DRP) under Section 39B(c) of the Registration of Persons Act No. 32 of 1968 as amended by Amendment Act No. 8 of 2016 . Whereas I hereby consent to the Company accessing my National Identity Card (NIC) details maintained with the DRP, to assess the authenticity of the information provided by me including my below information;

  • Name
  • Address
  • Date of birth
  • Place of birth
  • Gender
  • Date issued
  • Photograph
  • Scanned copy of the front side and back side of the identity card
  • Scanned copy of the index containing information appearing on the Identity Card
  • Nature of the record (Active/Inactive/ Cancelled/Invalid)

3. I consent to Dialog Finance PLC sharing my information its holding company, any of its subsidiaries or affiliates to provide integrated services or otherwise.

4. I have read and understood the key features of the Account provided here in below where as I agree to the terms and conditions of the Account.

 

  • Minimum Deposit Amount – No restriction imposed
  • Deposit made by a cheque in favor of “Dialog Finance PLC” – Credited only at the discretion of the Company
  • Payment of Interest – Applicable interest as specified in the Company website calculated on the daily balance at a rate determined by the Company and credited monthly to the account.
  • Tax – Subject to taxes imposed by the relevant regulatory authorities from time to time.

 

5. All reminders/requests and/or other general communications shall be sent by short messages services (SMS) to the mobile telephone number given by me/us (‘Registered Mobile Number’) and/or Email address given by me to the Company and I hereby

 

6. NOMINATION

I hereby agree to the terms and conditions governing the Nominee details I have included in the Account opening application.

a. Nomination shall have effect not withstanding anything to the contrary contained in any last will of the Account Holder

b. Nomination will stand revoked under the following circumstances

​On the death of the nominee in the lifetime of the Account holder.

By written notice of revocation of the nomination by the Depositor or any amendment made to the nominee details by the Depositor in any online platform provided by the Company. Provided that, in the case of an amendment to the nominee details by the Depositor such Nominee as amended by the Depositor shall have full effect of the Nomination as provided under this Clause 11.

By a subsequent nomination duly made by the Account holder

c. In the event there being more than one nominee and no proportion for distribution is indicated, the monies lying to the credit will be paid to the nominees in equal shares.

d. The monies will be paid to the person / person legally entitled thereto in the event this nomination cannot be effected.

Payment will be made to a nominee only on production of proof of identity and company reserves the right to call for any information / documents that may be required.

 

7. ATM/DEBIT CARD

In consideration of the Company pursuant to my request, making available to me, Automated Teller Machine (ATM) Facilities and issuing to me a Debit / ATM Card (‘Card’), I agree to be bound by the following terms and conditions.

  • At all times to regard the Card as the property of the Company and to surrender it unconditionally and without reservation upon demand by the Company.
  • At no time to use or attempt to use the Card unless there are sufficient funds in my/our account to cover the withdrawal or transfer.
  • To restrict use of the Card exclusively to the person named overleaf as it is not transferable.
  • Not to use or attempt to use the Card after any notification of its cancellation or withdrawal has been given to me by the Company or by any person acting on behalf of the Company.
  • At no circumstance disclose to any Person the Personal Identification Number (PIN NO) allotted to me to facilitate the use of the Card in the ATM where the card is accepted.
  • To immediately notify the company of the loss or theft of the Card.
  • To accept full responsibility for all transactions processed from the use of the Card except any transactions occurring after the Company shall have confirmed to me that it has received notice of loss or theft of the card or of unauthorized acquisition of the PIN NO.
  • Subject to (g) above to accept the Company’s record of withdrawals and/or transfers as conclusive and binding for all purposes and to authorize the Company to debit my account with all amounts withdrawn or transferred with or without my knowledge or authority.
  • To acknowledge that the amount stated on the ATM screen or a printed inquiry slip or receipt advice shall not for any purpose whatsoever be taken as conclusive of the state of my account with the Company.
  • Not to hold the company liable, responsible or accountable in any way whatsoever for any loss or damage howsoever arising or caused by any malfunction or failure of the Card or the ATM or the insufficiency of funds in the ATM.
  • Notwithstanding and without prejudice to the generality of the provisions of (j) above the use of the Card shall be at my sole risk and I assume any and all risks incidental to or arising out of the use of the card.
  • The Company will not be responsible for the Card not being honored for any reason whatsoever.
  • To return the Card for cancellation should it be no longer required or should my account with the Company for any reason be closed.
  • That the Company shall be at liberty to terminate the facility at any time without notice to me by cancelling or refusing to renew the Card.
  • All Card transaction effected in currencies other than Sri Lankan Rupees will be debited to the Card Account after conversion into Sri Lankan Rupees at a rate of exchange determined by the exchange rate adopted by Visa/MasterCard International on the date of conversion, plus an additional percentage levied by the Company and any transaction fee(s) charged by Visa/MasterCard International to the Company, if applicable, which fees may be shared with the Company.
  • Cash deposited by use of the Card will only be credited to my account after verification by the Company. The statement issued by the ATM at the time of deposit will only represent what I purport to have deposited and shall not be binding on the Company. The Company’s count of the amount contained in the envelope shall be conclusive
  • Joint Account Holders are inter alia jointly & severally bound by these terms and conditions and are liable for all transactions processed by the use of the Card.
  • I undertake not to use this Card to make payment for purchases of Real Estate or Financial Assets overseas.
  • Other than the terms & conditions imposed by the Company on the usage of the Card, the cardholder will also be governed by the rules and regulation imposed by both MasterCard/VISA International on the usage of the Card.
  • Expenses and purchase of goods for personal use.

I am aware that the Debit Card is not permitted to be utilized for payments in respect of capital transactions and / or purchase / import of goods in commercial quantities.

 

8. EMAIL INDEMNITY

a. Instructions sent via Email is available only for sharing instructions between the Company and me for the purpose of:

  • Transfer of funds within the Accounts held by me with the Company;
  • Transfer of funds between the Accounts held by me and other banks and/or licensed finance companies or any other third-party account(s)
  • Creation of Fixed Deposit and/ or Investment Plan by debit to my Savings Account with the Company;
  • Sharing the statement of accounts for Accounts held by me with the Company where applicable;
  • Sharing of any change of profile details for my Accounts with the Company where applicable (subject to proof of documents to the satisfaction of the Company).
  • Request for closure of account and transfer of remaining balance to designated account

b. Unless expressly instructed by me and duly acknowledged by the Company, the Email address provided by me in the Account opening application will constitute my registered Email address for the purpose of this Clause.

c. Operation of the Account through Email shall be strictly confined to instructions sent through the aforesaid registered Email address and received by the Company via their Email address provided to me whereas the Company shall not in any manner be responsible for ensuring the validity and authenticity of such instructions.

d. I agree and understand that the Company shall only act on any Email sent by me and received by the Company during working days and normal business hours of the Company communicated to me, whereas the Company shall not be responsible for any failure / rejection of the instruction due to lack of availability of time for execution of such instructions.

e. The Company shall not be bound to act upon instructions received by Email, which are illegible, ambiguous or multiple in the Company’s opinion and which shall be the Company’s sole decision. The Company shall not be responsible for any losses or damages which I may suffer as a consequence thereof.

f. The Company acting upon the instructions received via Email as aforesaid shall not be responsible for any losses/damages incurred by me out of transactions undertaken based on such instructions. The Company shall specifically be excluded from any liability for consequences that may occur due to fraud or crime caused through my Email by me or any other third party.

g. I shall at all times be responsible for the compliance of all laws or regulations of all statutory, regulatory and enforcement bodies and will bear all claims, losses, damages, costs, liabilities and expenses incurred, suffered or paid by the Company acting upon the instructions received by me via Email as provided herein.

9. USSD INDEMNITY

I hereby agree to conduct below listed activities pertaining to my Card via Unstructured Supplementary Service Data (USSD) received through my Registered Mobile Number;

  • Linking of ATM Card to the savings account;
  • PIN reset;
  • Card activation / Block (de-activation);
  • Account balance inquiry;

a. Unless expressly instructed by me and duly acknowledged by the Company, the Registered Mobile Number provided by me in the accounts opening application will constitute my registered mobile number for the purpose of this Indemnity

b. I agree and understand that the Company acting upon the instructions received via USSD as aforesaid shall not be responsible for any losses/damages incurred by me out of transactions undertaken based on such instructions. The Company shall specifically be excluded from any liability for consequences that may occur due to fraud or crime caused/occurred through my Registered Mobile Number by me or any other third party.

10. ONLINE PLATFORM

a. I agree and understand that for my convenience, the Company may make available certain online facilitates which I may access through a compatible Device (“Device” shall include any mobile phone and the sim card in use, tab or any such other device compatible with the online platform provided by the Company).

b. I agree and understand that any passwords used including any One Time Passwords (OTP) pertaining to the access of such online platforms are strictly for my use whereas I shall keep confidential and not share such passwords with any other third party at any time for any reason whatsoever.

c. I agree and understand that loss or theft of the Device used to access such online platforms pose a risk to exposing my sensitive data contained therein to third parties and I irrevocably agree to promptly inform relevant authorities regarding any loss or theft of my Device.

d. I further agree to promptly keep the Company informed of any such loss or theft of the Device without any delay and request the Company to block any access of the Account by third parties through the communication channels made available to me by the Company and informed to me by the Company from time to time.

e. I agree and understand that it shall be my sole liability whereas the Company shall not bear any responsibility or liability towards any claims, losses, damages, costs, liabilities and expenses incurred, suffered by me prior to informing the Company as aforesaid due to unauthorized access of my Account by third parties due to loss or theft of the Device.

f. I specifically agree and understand that in the event I fail to duly notify the Company as required herein, it shall be my sole liability whereas the Company shall not bear any responsibility or liability towards any claims, losses, damages, costs, liabilities and expenses incurred, suffered by me due to unauthorized access of my Account by third parties due to loss or theft of the Device.

11. I agree and understand that the Company reserves the right to amend or vary the terms and conditions of the Account from time to time whereas the Company shall notify me of any changes to these terms and conditions prior to effecting the same.

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