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Rates and Charges
    Genie Rates and Charges
 

Interest Rates Applicable for Savings Accounts (w.e.f. 17th of Nov 2025)

Account Type Details Rate (p.a.)
Digital Savings - 4.00%
Digital Savings Pockets - 4.00%
Minor Savings - 4.00%
Corporate Savings Rs.25,000/- & above - 3.00%
Corporate Savings below Rs.25,000/- - 2.50%

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.

Interest Rates Applicable for Goal Based Fixed Deposits (w.e.f. 17th Nov 2025)

Account Type Details Rate (p.a.)
Goal Based Fixed Deposits - 09.00% (p.a.)

Fixed Deposit Rates: Non-Senior Citizens (below 60 years) (w.e.f. 21st April 2026)

Period Monthly Maturity
Nominal A.E.R Nominal A.E.R
1 MONTH - - 6.00% 6.17%
3 MONTHS 8.85% 9.22% 9.22% 9.54%
6 MONTHS 9.35% 9.76% 9.80% 10.04%
12 MONTHS 10.64% 11.17% 11.18% 11.18%
18 MONTHS 8.25% 8.57% 9.00% 8.81%
24 MONTHS 8.75% 9.11% 9.75% 9.32%
36 MONTHS 8.75% 9.11% 10.25% 9.35%
48 MONTHS 8.25% 8.57% 10.00% 8.78%
60 MONTHS 8.00% 8.30% 10.00% 8.45%

Fixed Deposit Rates: Senior Citizens (above 60 years) (w.e.f. 21st April 2026)

Period Monthly Maturity
Nominal A.E.R Nominal A.E.R
1 MONTH - - 6.00% 6.17%
3 MONTHS 8.85% 9.22% 9.22% 9.54%
6 MONTHS 9.35% 9.76% 9.80% 10.04%
12 MONTHS 10.64% 11.17% 11.18% 11.18%
18 MONTHS 8.25% 8.57% 9.00% 8.81%
24 MONTHS 8.75% 9.11% 9.75% 9.32%
36 MONTHS 8.75% 9.11% 10.25% 9.35%
48 MONTHS 8.25% 8.57% 10.00% 8.78%
60 MONTHS 8.00% 8.30% 10.00% 8.45%

Fees and Charges

Account Category Service Description Charge (LKR)
Savings Account Balance Confirmation fee Rs. 1,000.00
Quarterly Service Fee (Waived if daily balance > Rs.15,000) Rs. 250.00
Fund Transfers (CEFT): Up to 40 / Over 40 / Credit Card Free / Rs.15 per Tnx / Rs.25
Outward CEFT Recalls (Per Transfer) Rs. 250.00
Monthly eStatement Free
Monthly statement (Posted) Rs. 100.00
Weekly statement (Monthly Charge) Rs. 500.00
Adhoc eStatement on request Rs. 500.00
Adhoc Printed Statement on request Rs. 1,500.00
genie DEBIT MASTERCARD New card issuance fee Rs 800.00
Card Replacement fee Rs 800.00
Annual fees Rs 600.00
Cash withdrawal from Lankapay network ATM's Rs 30.00
Balance inquiry from Lankapay network ATM's Rs 7.50
Cash withdrawal from overseas ATM Rs 500.00
Fuel surcharge 1%

*All cross-border transactions will be converted using payment scheme (Mastercard) exchange rates. In order to mitigate local exchange rate movements, an additional amount (minimum of 4.5%**) will be included to the rate at the time of billing.

** Rates are subjected to market rate fluctuations

Fees and Charges | Virtual Debit Card

Service Description Charge (LKR)
New card issuance fee Rs 500.00
Annual fees Rs 500.00

Top-up from other banks (Just Pay) Effective from 2nd FEB 2026

Transaction Value Charge
Rs. 1 - Rs. 1,000 Rs. 1.00
Rs. 1,001 - Rs. 2,000 Rs. 4.00
Rs. 2,001 - Rs. 4,000 Rs. 8.00
Rs. 4,001 - Rs. 6,000 Rs. 12.00
Rs. 6,001 - Rs. 8,000 Rs. 16.00
Rs. 8,001 - Rs. 150,000 Rs. 20.00

Fees and Charges | eZ Banking

Deposit Value (LKR) Convenience Fee
500 - 1,000 Rs 10.00
1,001 - 2,500 Rs 15.00
2,501 - 10,000 Rs 25.00
10,001 - 25,000 Rs 25.00
25,001 - 50,000 Rs 25.00
50,001 - 100,000 Rs 170.00
100,001 - 250,000 Rs 250.00

Fees and Charges | Loan against Fixed Deposit (w.e.f. 1st October)

Fee Type Charge / Details
Interest Rate (Digital) FD rate + 2.0% p.a
Interest Rate (Manual) FD rate + 2.0% p.a
Documentation Fees 0.5% of the loan amount
Min of Rs 500/- Max of Rs 3,000/-

Fees and Charges | Loans

Service Description Charge (LKR)
Loan Settlement Charge Rs. 500
CRIB Clearance Letter Charge Rs. 500
Bank Statement Charge Rs. 1,000
Over The Counter Fund Transfer (CEFT) Rs. 100

Fees and Charges | Lending

Fee Type Charge / Details
Mortgage bond releases / Cancellation LKR 10,000

Fees and Charges | Leasing

Fee Type Charge / Details
Documentation / Processing Fee Rs. 10,000 (> 1Mn)
Rs. 5,000 (< 1Mn)
Early Settlement Fee 60% Interest Rebate (Standard)
100% Interest Rebate (Subject to new Facility)
90% Interest Rebate (Refinance)
Penalty Interest Rate 3% per annum
RMV Processing Fee Rs. 1,000
Re-issue - Duplicate Deletion Rs. 1,500
Re-issue - Transfer Papers Rs. 3,000
Sale of Asset at Settlement Rs. 5,000
Invoice Processing Fee Rs. 1,000
Balance Confirmation Rs. 1,000
Facility amendments Rs. 10,000 (> 1Mn)
Rs. 5,000 (< 1Mn)
Fee Type Charge / Details
CRIB clearance Rs. 1,000
Yard Admin fee Rs. 4,000
Parking Fee Rs. 2,000 per month (Motor bikes)
Rs. 5,000 per month (Cars, Vans & SUVs)
Rs. 7,000 per month (All other Assets)
Stamp Duty - Finance Leasing Up front (not income)
Assets Replacement Fee Rs. 5,000
Retrieval of Archived Documents Rs. 500
Letter confirming settlement Rs. 1,000
No arrears letter Rs. 500
Payment history Rs. 500
Insurance Commission All policies routed through Insureme. Exceptions - 1st year sale and lease back. On renewal to be converted. Covered under Fleet Policy
PD Cheque Returns / Debtor Cheque Return Charges Rs. 1,000

Fees and Charges | Term Loans

Segment Individual / Small Business
  Documentation / Processing Fee Early Settlement Fees
  Standard Min Rs. Max Rs. Max Min
EMI Based 12 months or more 0.15% 500 15,000 4% Refer waivers
Short term tenor less than 12 months or revolving 0.10% 2%
PD Cheque Returns / Debtor Cheque Return fee Rs. 1,000
Penalty Interest rate 3% per annum
Segment SMEs / Corporates
  Documentation / Processing Fee Early Settlement Fees
  Standard Min Rs. Max Rs. Max Min
EMI Based 12 months or more 0.15% 5,000 200,000 4% Refer waivers
Short term tenor less than 12 months or revolving 0.10% 2%
PD Cheque Returns / Debtor Cheque Return fee Rs. 1,000
Penalty Interest rate 3% per annum

Fees and Charges | Purchase Order / Invoice Factoring / Margin Trading

Product PO / Invoice Financing
Documentation / Processing Fee Standard: 0.15% Min Rs. 22,500 Max Rs. 200,000 Early Settlement Max: 4% Refer waivers
Administration fee 0.5% on every PO or invoice
Minimum monthly service fee 0.05% on the facility value
(charged only if administration charge is not applicable or lower than monthly service charge at any given month)
PD Cheque Returns / Debtor Cheque Return fee Rs. 1,000
Penalty Interest rate 3% per annum
Product Margin Trading
Processing fee Rs. 2,500 (up to Rs. 5mn share portfolio)
Rs. 4,000 (above Rs. 5mn share portfolio)
Balance Confirmation Rs. 1,000
 
Genie Business Pricing
 

QR Smart Plan

Free
Monthly
  • 0% MDR for transactions up to LKR 5,000
  • Zero setup fee
  • No monthly commitment
  • Instant onboarding (Self-registration)
  • Real-time payment notifications
  • Merchant dashboard access
  • Works with all LankaQR / UPI / AliPay - enabled apps
 
LQR ≤ LKR 5,000
0%
-
LQR > LKR 5,000
1.00%
-
Int QR
-
1.85%
 
Setup Fees
LQR
Free

Starter Plan

Rs. 400
Monthly
  • No per-transaction limit
  • No monthly commitment
  • Sales dashboard
  • E-invoicing
 
Tap-to-Pay
-
-
LQR
0%
-
Int QR
1.80%
-
E-Store
2.75%
3.00%
Payment Links
2.75%
3.00%
IPG
2.75%
3.00%
DCC*
-
-
 
Setup Fees
E-Store / Payment Link
Rs. 2,500/-
IPG
Rs. 4,500/-

Essential Plan

Rs. 500
Monthly
  • No per-transaction limit
  • No monthly commitment
  • Sales dashboard
  • E-invoicing
 
 
Tap-to-Pay
 
2.75%
LQR
 
0%
Int QR
 
1.80%
E-Store
 
-
Payment Links
 
-
IPG
 
-
DCC*
 
-
 
Setup Fees
MiniPOS
(Bluetooth)
Rs. 5,000/-
 

Pro Plan

Rs. 750
Monthly
  • No per-transaction limit
  • No monthly commitment
  • Sales dashboard
  • E-invoicing
 
Tap-to-Pay
2.75%
-
LQR
0%
-
Int QR
1.80%
-
E-Store
2.75%
3.00%
Payment Links
2.75%
3.00%
IPG
2.75%
3.00%
DCC*
-
-
 
Setup Fees
MiniPOS
(Bluetooth)
Rs. 5,000/-
MiniPOS
(Stand-alone)
Rs. 8,500/-
Standard POS
(A910)
Rs. 15,000/-
E-Store / Payment Link
Rs. 2,500/-
IPG
Rs. 4,500/-

Tourism Plan

Rs. 1,000 (USD 2)
Monthly
  • No per-transaction limit
  • No monthly commitment
  • Sales dashboard
  • E-invoicing
 
Tap-to-Pay
2.75%
-
LQR
0%
-
Int QR
1.80%
-
E-Store
2.75%
3.00%
Payment Links
2.75%
3.00%
IPG
2.75%
3.00%
DCC*
2.75%
-
 
Setup Fees
MiniPOS
(Bluetooth)
Rs. 5,000/-
MiniPOS
(Stand-alone)
Rs. 8,500/-
Standard POS
(A910)
Rs. 15,000/-
E-Store / Payment Link
Rs. 2,500/-
IPG
Rs. 4,500/-
DCC
Rs. 4,900/-
*Multi-Currency Pricing
 

Accepted Cards & Mobile Wallets


Corporate communication
Registered Office
No. 475, Union Place,
Colombo 02, Sri Lanka.
Email
info@dialogfinance.lk
Colombo
1st Floor, No.57
Srimath Anagarika Dharmapala Mw,
Colombo 03, Sri Lanka.
Telephone
076 076 0760
Bank Code - 7995
Branch Code - 001
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