All Applications are available on PDF format and can be downloaded, printed and brought to your nearest NDB Bank branch.

Mobile Banking and Dial Banking

How do I register for the service?

Mobile Banking:

- Using your credit/debit card number and PIN number

- Using your existing NDB Internet Banking credentials

- Walking in to the nearest NDB branch


Dial Banking:

You need to visit a NDB branch to fill out a registration form.

After registration you can access the service by dialing #4488# on the dial pad.

On what devices can I use the service?

The Mobile Banking solution is phone/device agnostic.  It works with any web-enabled mobile phone/device running on iOS, Android or Windows operating systems.


You can use Dial Banking on any mobile phone, even basic phones. You do not need to connect to the internet.

What functions can I perform?

Mobile Banking:

  • View Transaction History
  • Transfer funds (within NDB and other banks)
  • Pay bills
  • Credit card settlements (NDB and other bank)
  • Mobile recharge
  • Beneficiary management
  • Credit/Debit Card on/off
  • Pay to mobile
  • Cheque Status inquiry
  • Lost card reporting
  • Card Activation/Deactivation


Dial Banking:

  • View CASA, credit card, loan and deposit details
  • Fund transfers to own accounts
  • Pay own credit card
  • Pay bills
  • Mobile recharge
  • View cheque status
  • Change mPIN


What happens if I receive a call/SMS during transaction?

Receipt of SMSs will not interfere with your transactions. If you receive a call, you can complete the call and continue with your transaction. However login sessions will time out after one minute of inactivity. If your call lasts longer than this period, you will need to re-login and restart your transaction.

In Dial Banking, your session will terminate and you will need to enter your mPIN and re-login. Please note that your mobile operator will charge you LKR 2/= plus taxes per session.

How can I search for a transaction?

Using the Mobile Banking app you will be able to view 2 months’ transaction history on your mobile device. There is currently no search feature available.


The Dial Banking service does not have a function to view transaction history.

I forgot my username/mPIN. What should I do?

If you have the Mobile Banking app, you can reset your mPIN using the “Forgot Password” link on your login screen. You must enter your credit/debit card details, and answers to security questions to reset the mPIN through this option. You can also call the Call Center for mPIN resetting and obtaining a forgotten username.


Dial Banking customers must call the NDB Call Center for resetting their mPIN.

How do I register beneficiaries?

Mobile Banking customers can use the Manage Beneficiary option on the mobile app. A customer having both Mobile Banking and Dial Banking would be able to access beneficiaries registered through the mobile app on both channels.


Customers who have only the Dial Banking facility can use the “One Time” option to perform bill payments and mobile recharges.

Can any mobile number be used for this service?

Mobile Banking can be obtained using any mobile number. A customer can register for Dial Banking with Dialog, Mobitel, Airtel or Etisalat mobile numbers.

What do I need to do if I get a new phone?

For Mobile Banking, you can download the app to your new device and login with your existing credentials.    


For Dial Banking, you can dial #4488# on your new mobile device and login using your existing mPIN.

Can I have both USSD and Mobile Banking services?

You can. You must use the same mobile number to register for both services. You must use the same mPIN to login to both solutions.

What should I do if I lose my mobile device?

The Mobile Banking app and the Dial Banking service do not store your login credentials or transaction details on your phone. Therefore, there is no risk of unauthorized access, even if your device is stolen, unless you have provided your login details to a third party. We strongly recommend that you do not share your login details or store your usernames/mPINs on your phone (e.g. in your contact list), as details stored in it could be taken by any party who has access to your phone.

What should I do if I change my mobile number?

You must notify the Bank in writing of the change, and have your details updated, after which you can log in to Mobile Banking and Dial Banking using the same username/mPIN you were using prior to the mobile number change.

Is there a charge for using these services?

Please visit below link for details on applicable charges.


All applicable fees would be deducted from the primary account selected by you at the time of registration.


In the case of a joint account holding – If the joint account is converted to a sole account, the joint account holder(s) is required to select one of his/her individual accounts as the primary account. If this is not done, the convenience fee will continue to be deducted from the joint account.

How do I deactivate Mobile/Dial Banking?

If you are registered for one channel, or you want completely deactivate your profile, you can call the Call Center and request to deactivate.


If you are registered for both channels and wish to disable one of the channels, you must visit a branch.


Note: Disabling a channel would not stop the charging of the monthly convenience fee. The monthly convenience fee would stop only if your entire profile is deactivated through the Call Center.

What should I do if I need help with using Mobile Banking or Dial Banking, or have any inquiries regarding my transactions?

Please call our 24-hour Call Center on +94 112 448888.

Shares and Shareholding

What is the composition of NDB shares?

All of NDB’s shares are ordinary voting shares.

Where are NDB shares listed and indexed?

NDB shares are listed in the Main Board of the Colombo Stock Exchange. NDB shares are included in the All Share Price Index (ASPI), S&P Sri Lanka 20, and the sector index for Bank, Finance and Insurance (BFI).

What are the NDB stock symbols?

CSE Stock Ticker : NDB. N0000

ISIN                   : LK0207N00007

Whom do I contact if I have any queries regarding my shareholding, (E.g.: transfer of shares, dividends, change of address, etc.)?

You may contact the company secretary or our investor relations team. You will find the required contact details under Investor Resources/ Contact Us section.

When is NDB’s Annual General Meeting?

Usually, NDB holds its AGM towards the end of March each year. When an AGM is scheduled, you will find the related information in Events/ Annual General Meeting section.

Financial Reporting

What is NDB’s financial year and when does it report its financial results.

NDB’s financial year is from 01 January to 31 December. Annual audited financial statements are usually released to the Colombo Stock Exchange in early March following the end of a financial year in December previous year. Quarterly financial statements are released within 45 days from the end of first, second and third quarter and within 60 days from the end of the fourth quarter.

Where can I access the financial statements of NDB? What other material are available for quarterly results?

Once financial statements are lodged at the Colombo Stock Exchange, you will find the financial statements in the Reports section. In addition to the financial statements, you will also find a Performance Commentary, a presentation and the video of the investor webinar/ investor forum hosted, for the respective quarter.

What is the basis for preparing NDB’s financial statements?

NDB’s financial statements are prepared in accordance with the Sri Lanka Accounting Standards (SLFRS/ LKAS) and in compliance with all applicable laws and regulations.

What is NDB’s reporting currency?

NDB’s reporting currency is Sri Lankan Rupee, denoted by LKR as per ISO 4217 Currency Codes. Each Annual Report also presents the Income Statement, Statement of Comprehensive Income and the Statement of Financial Position in US Dollars, for the year under review and the corresponding comparative year, outside the financial statements for the year, solely for the shareholders, investors and any other users of financial statements.

Who is NDB’s independent Auditor?

M/s Ernst & Young – Chartered Accountants.

Please refer NDB’s latest Annual Report for Independent Auditor’s Report.


What is NDB’s dividend policy?

The Bank’s strategy as per the dividend policy is to reward shareholders with consistently high returns through its performance. The policy recommends that there be a gradual increase in the dividends over the years keeping in line with the Bank’s profits and inflation in the economy. The policy also recommends that the following minimum ratios be maintained in deciding the dividend for a particular year.

                     Minimum requirement

Capital adequacy ratio          >12%

Open loan position ratio       <40%

Liquidity ratio                        >20%

Dividend payout ratio           >35%

Where can you find out about historic dividend payments?

Please refer the Share and Debenture Information/ Dividend Details section.

Who should I contact for any dividend related queries?

You may contact the company secretary or our investor relations team. You will find the required contact details under Investor Resources/ Contact Us section.


What are the taxes that are applicable on dividend income?

If the dividend you receive is paid out of Tax liable profit of the Bank, your dividend will be subject to a 10% Dividend Tax. Instead, if your dividend is paid out of dividend received by the Bank from resident companies for which Withholding Tax has already been paid, then your dividend will be exempt from any taxes. Either way, your dividend warrant will indicate what your dividend tax liability is.

Online Banking

Is there are fee for this service?

This Internet Banking service is offered to all NDB Personal Banking customers free of charge. For transactions, the usual tariffs will apply.

How can I register?

To register you will need to maintain a Current or Savings account with NDB. Obtain an application form from any of our branches or download from our web site. A physical copy of the form must be sent in to the branch with your signature to enable us to validate your application.

Where are the Terms and Conditions ?

The Terms and Conditions are available on the application form as well as on the web site. It will also appear when you first logon to the service. You will need to accept our Terms and Conditions online when you register.

How can I get help with questions I have on the use of NDB Online ?

Help Text on each function is available on the main menu. If you have further queries please contact us on 2448448 ext. 1 for assistance.

How do I log on?

Enter your ‘User ID’ and ‘Password’ in the boxes provided and click on ‘submit’.

When you log-in for the first time, you will be requested to change your existing login/transaction passwords. The single password generated by the bank will initially be accepted as both login and transaction password Remember that the password is case-sensitive and may consist of alphabetic, numerical and non-alphanumeric characters, so you would need to key it in, exactly as shown. (TIP – to avoid making a mistake, you could first type out your password in a word document, check it carefully and then cut and paste it in the password box). Your new passwords should be at least 8 characters in length.

The system checks the ‘User ID’ and ‘password’ and if correct, validates the user to proceed. If one or both are incorrect, a message is displayed, requesting the user to enter the ‘User ID’, ‘password’ again and re-submit. After three consecutive unsuccessful attempts, the system will lock the User ID, for security reasons. If this should occur, please send in a written request to your branch/ account officer, to re-activate your User privileges.

Once a user is validated, the system displays the ‘Welcome’ screen along with the menu options to select from. First-time user will be required to agree to the ‘Terms and Conditions’ before proceeding further, and prompted to change the User Password and Transaction password.

How should I log out?

Click on the ‘Logout’ button at the top of the screen to log out from the system. If a User shuts down the Internet Banking application, without using the ‘Logout’ button, the User ID will be locked out of the system for approximately 15 minutes. It will then be automatically re-set, and the user will be able to log in again.

What are the two passwords I need ?

The first is a login password, that you will be asked for to login to NDB Online. The second is a ‘Trasaction password’ that you will use to validate transactions such as transfers and payments.

How do I change my Passwords ?

You can change your Password whenever you wish to by going to the 'Change Password' Option on the Services Menu and select the password you need to change. You will have to enter your old password and the new password (twice) in the boxes provided. After entering all the required data, click the "Submit" Button.

What should I do if I lose my Password ?

You would need to submit a written request to your branch of account to request for a new Password. You will be notified when it is ready for collection from your branch.

Can I view all my accounts online?

Once you register for NDB Online, all the accounts that you hold with the Bank that are currently supported by NDB Online will be automatically displayed, except for joint accounts which requires more than one signatory, or accounts you have specifically requested to be restricted. Requests for enabling or restricting your access through NDB online could be made through your NDB Online mailbox.

From what date can I view my account statements?

Account movements since September 2002 can be displayed.

Can I print and / or download my statements?

You can print your statements by clicking on the 'View Printable Page' and ‘Print’ options on your statement page.

What are the transfers that I can carry out?

The transfers that you can perform are:
• From one of your accounts to any of your other accounts
• From one of your accounts to a third party account at NDB (provided your third party account is pre-defined by you.)

Offline requests:
• Transfers to accounts at other local Bank accounts (through SLIPS).

Are there any limits to transfers?

There is no limit to the money you can transact on a day. However, the bank reserves the right to confirm requests for transfers to third parties of over Rs. 100,000 (or equivalent) with the account holder, by phone or email, prior to processing the request. Transfers will only be carried out if the necessary funds are available in the debit account selected.

How do I know that my transaction has been processed?

After you have entered the transfer details and have chosen the type of transfer that you require, you have to click on SUBMIT for processing. You are then shown the details you have entered giving you an opportunity to check them once again. You can confirm or change your instruction at this point. Once you have confirmed your instruction, the screen will display a final Acknowledgement that your transfer has been processed. A unique transaction reference number is displayed for the transaction, which must be quoted if you have any query on the transfer. For transfers through SLIPS, you will be notified through your Online mailbox, once it is processed.

Are the transfers done immediately?

Transfers made to beneficiary accounts within the Bank will be processed immediately. Other transfer requests are subject to cut-off time and may be processed on the same day or by the next working day.

Can I change or delete transfers?

Transfers that were carried out immediately cannot be changed. If you have set up future dated transfers or standing order transfers that are yet to be carried out, you may instruct the bank to cancel the instruction, through your email box.

How can I make an utility bill payment?

Click on Payments in the menu and select Utility bills. Choose the utility company required from the drop down list, which will give all the companies you have predefined in your application form. Key in details of the payment and submit.

How can I add another utility company to my list of pre-defined accts?

Send in a mail requesting the change through your secure e-mail box, giving the details of the utility company you need added.

How can I request a Pay Order?

You would need to select the Pay Order option under the ‘Services’ menu, to specify the account to be debited, beneficiary details and amount. You can also provide your own short description of payment details that will appear on your statement.

Can I set up standing order instructions?

Click on the Services menu and select Standing Orders. Follow the instructions on the screen to give the necessary details to set up the Standing order.

How can I make international transfers involving Foreign Exchange?

You can transfer money overseas through bank drafts or wire (telegraphic) transfers provided you have a Foreign Currency account accessible via Internet Banking.

How can I request for a Bank Draft or Wire Transfer?

Click on the Services menu and choose the relevant option. To successfully transfer money, you should have the following information:
• Beneficiary Name and Account Number
• Beneficiary Bank Name and Address
• Beneficiary Bank details


How can I invest in a Treasury bill/bond Repo (repurchase agreement) online?

You may request the Bank to place an investment in Treasury bill or bond repurchase agreements online, by transferring funds from an existing account with us. You need to access the ‘Services’ menu option and go to ‘Treasury bill/bond repos’ , choose the term, amount and specify the account to be debited. You will need to make sure that you have enough funds in your account to place the investmnet at the time your request in processed. You will then be asked to confirm the details you have keyed in. After the investment is placed by the bank, an acknowledgement of the investment will be sent to you.

What are the rates applicable?

The current rates are available under ‘View rates’ in the investment screen as well as under the ‘Other Information’ menu option.

How do I stop a Cheque issued by me?

To stop a cheque, go to ‘Requests – Stop payment Cheque’ select the account number, enter the Cheque Number (6 digits) and the reason for stopping, and click on the STOP CHEQUE PAYMENT button.. Please note that the usual charge for stopping a cheque will apply.

Is the Stop Cheque instruction immediately carried out?

Yes, the cheque will be stopped with immediate effect.

How can I order a cheque book online?

To order a cheque book, click on ‘Requests’ and select the ‘Order Cheque Book’ option. You will need to select the account number, the number of leaves required, the delivery preference and click the SEND CHEQUE BOOK REQUEST button. You will get an acknowledgement advice on the screen. The usual charges for cheque books will apply.

How can I request a statement to be posted to me?

To request for a statement, click on Requests , and select Statement Request. Select the account number, statement period and delivery instructions and click the SEND STATEMENT REQUEST button.

How can I receive messages from the Bank?

Click on E-mail and select Inbox to view messages sent by the bank to your secure mailbox.

How can I delete the messages?

Once you have read the message, you have an option to delete the message by clicking on the 'Delete' button.

How can I send messages to the Bank?

To send a message to the Bank, click on Email and select the ‘Send new Mail' button, type in your message, and click the 'Send' button. You will get an acknowledgement on the screen that your message has been sent.

Can I change my address recorded with the Bank?

Yes, you can change your personal information by sending an email from your Online mailbox, with the relevant information.

How do I open a Savings Acct /Time Deposit?

You can request the bank to open a Savings acct /Time Deposit for you, by transferring funds from an existing account with us. You need to go to the menu option ‘Online Application’ and ‘Account opening’. choose the type of deposit, term, amount and specify the account to be debited. You will then be asked to confirm the details you have keyed in. After confirmation, an acknowledgement of the opening of the Deposit will be displayed.

What are the interest rates offered on Time Deposits?

To inquire on the current interest rates offered on Time Deposits, you need to access ‘Other information ,‘Interest Rate’ from the menu options on the screen. The interest rates offered by us for the various terms of deposit will be displayed to you.

How safe is Internet Banking?

Internet Banking uses 128-bit encryption, one of the most advanced technologies available for safeguarding your online banking. Encryption is a process that transforms sensitive information into a string of unrecognisable characters before they are sent over the Internet. Encryption helps provide a secure channel for data transmission to keep information private between the bank's computer system and your Internet browser.

Is this available 24 hours?

NDB Online is available around-the-clock, seven days a week. However, some transactions made after the specific cutoff times will be processed the next working day.

Can I access my accounts when I am overseas?

Yes, you can access your accounts from anywhere as long as you have Internet access with browser such as Internet Explorer or Netscape Communicator/Navigator.

What do I do if my computer crashes, or if I get disconnected from the Internet when I am performing a request?

Once you are back online, check your account balances and statement, to see if any online transactions you may have just performed have gone through, or contact our Helpdesk for assistance.


What should I do if I get the message 'This program has performed an illegal operation'?

You have probably encountered a General Protection Fault. Close and open your browser again. If this does not work, restart your PC and try again.


What should I do if I have a problem connecting to the Internet?

You will need to call your local ISP (Internet Service Provider) to have them look into this problem.


How do I know I am visiting a secure Internet site?

Internet Banking is accessed through a secured Internet site, which helps ensure your financial information remains private and secure. You will know you are at a secured site when you see the https:// in the address field on your browser and the padlock symbol at the bottom of your screen.

How can I check if 128-bit encryption is being used?

For Microsoft Internet Explorer:

Move a mouse over the "security lock icon" at the bottom-right corner. A tool-tip of "SSL secured (128-bit)" should pop-up or

Right-click any text on a page (not on a graphics object) and select "Properties". "Connection" with "SSL 3.0, RC4 with 128-bit encryption (High); RSA with 1024-bit exchange" is shown or

Press "File" in the toolbar and select "Properties". "Connection" with "SSL 3.0, RC4 with 128-bit encryption (High); RSA with 1024-bit exchange" is shown.

For Netscape Navigator:

Security" with "This is a secure document that uses a high-grade encryption key for U.S. domestic use only (RC4, 128-bit)" is displayed if you Press "Security" in the toolbar. Then a "Security Info" window will be displayed and click "Open page info" or

Right-click any text on a page (not on a graphic object) and select "View Info".

What can I do if I find that 128-bit encryption is NOT being used in the Netscape Navigator browser?

• Press "Security" in the toolbar
• Click "Navigator" in the left column
• Press "Configure SSL v3" on the right of "Enable SSL (Secure Sockets Layer) v3"
• Enable all ciphers except "No encryption with an MD5 MAC"


If you have any queries about NDB online, please call us on +94 11 244 8448 (ext.1) between 8:30 a.m. and 5:00 p.m. on working days, or call +94 11 259 1140 or +94 11 288 5790 between 8:30 am and 8:00 p.m. any day of the week, or send us an email.