Overview

LankaPay CEFTS real-time fund transfer switch is yet another revolutionary move by LankaClear where customers can now carry out domestic interbank fund transfers upto Rs.5 Mn real-time at their convenience.

This revolutionary payment product has enabled any peer to peer or corporate payments between any LankaPay CEFTS member bank or financial institution, real time 24 x 7 x 365 days. Customers can avail themselves of this service by simply logging into their internet banking, mobile banking portal or via ATM and over the counter.

LankaPay CEFTS member banks and the channels via which customers can make a CEFTS transaction are as follows.

Member Banks and Financial Institutions

Member Bank / Financial Institute Internet Banking Over the Counter ATM Mobile Banking
Amana Bank PLC
Axis Bank
Bank of Ceylon
Bimputh Finance PLC
LOLC Development Finance PLC
Cargills Bank Ltd
Citizens Development Business Finance PLC
Central Finance PLC
Citibank
Commercial Bank of Ceylon PLC
Commercial Leasing and Finance PLC
Deutsche Bank AG
DFCC Bank
Habib Bank Ltd
Hatton National Bank PLC
HNB Finance
HDFC Bank
HSBC Ltd
ICICI Bank
Indian Bank
Indian Overseas Bank
Lanka Orix Leasing Company
LB Finance PLC
LOLC Finance
MCB Bank
Nations Trust Bank
National Development Bank PLC
National Serving bank PLC
Pan Asia Banking Corporation
People’s Bank
Public Bank Berhard
Regional Development Bank
Sampath Bank PLC
Sansa Development Bank
Senkadagala Finance
Seylan Bank PLC
Standard Chartered Bank
State Bank of India
Union Bank of colombo PLC

Bank Wise Account Number Format

Bank Account Number Format
Amana Bank 13 digits for any account number
Axis Bank 12 digits for any account number
Bank of Ceylon 10 digit for any account number, without the branch code
Bimputh Finance PLC 15 digit for New account number, 14 digit for old Account number
Cargills Bank 12 digits for any account number
CDB 18 digits for any account number
Central Finance 12 digits for any account number
Citibank 10 digits for any account number
CLC 11 digits for any account number, Ex: 00xxxxxxxxx / 05xxxxxxxxx
Commercial Bank 10 digits for any account number
Deutsche Bank 10 digits for any account number, Ex: 00xxxxxxxx
DFCC Bank 12 digits for any account number
Habib Bank 13 digits for any account number
Hatton National Bank 12 digits for any account number, Ex: 001010011327
HDFC Bank 12 digits for any account number
HSBC 12 digit for any account number, without the hyphen
ICICI Bank 12 digits for any account number
Indian Bank 12 digits for any account number
Indian Overseas Bank 12 digits for any account number
LB Finance 15 digits for any account number
LOFC 11 digits for any account number, Ex: 00xxxxxxxxx / 05xxxxxxxxx
LOLC Development Finance PLC 11 digit for Any account number
MCB Bank 12 digits for any account number
Nations Trust Bank 12 digits for any account number
NDB Bank 12 digits for any account number
HNB Finance Limited 12 digits for any account number
NSB 12 digits for any account number
PABC 12 digits for any account number, Ex: 2XXXXXXXXXXX ( Saving Account ) / 1XXXXXXXXXXX ( Current Account )
People's Bank 15 digits for any account number, Ex: 204200100091326
Public Bank 13 digits for any account number
Regional Development Bank 12 digits for any account number
Sampath Bank 12 digits for any account number, Ex: 10xxxxxxxxxx
State Bank of India 14 digits for any account number
SDB Bank 10 digits for any account number
Senkadagala Finance 12 digits for any account number
Seylan Bank 15 digits for any account number
Standard Chartered Bank 11 digit account number - Ex: 18xxxxxxxxx / 01xxxxxxxxx , 12 digit account number - Ex: 88xxxxxxxxxx
Union Bank 16 digits for any account number

Maximum Customer Charges

  • Internet Banking – Rs. 50/- per transaction (including taxes)
  • Mobile Banking – Rs. 50/- per transaction (including taxes)
  • Over the Counter – Rs. 100/- per transaction (including taxes)
  • ATM – Rs. 50/ - per transaction (including taxes)

Note – the above are the maximum customer charges as regulated by the Central Bank however this may vary bank to bank subject to the maximum fees given above.

Interbank Credit Card Payments

In view of protecting your card information as per PCI-DSS compliance standards, kindly note that inter bank credit card payments are no longer accommodated via SLIPS. Alternatively you can use CEFTS, which is a real-time payment option that provides you greater convenience.

Following are the banks and financial institutions that facilitate their accountholders to make credit card payments via CEFTS and credit cards issuing banks that accepts credit card payments via CEFTS

Account Holding Banks and Financial Institutions that facilitates credit card payments via CEFTS Credit Card issuing Banks that accepts credit card payments via CEFTS
Amana bank
Axis bank
Bank Of Ceylon
Cargills bank Ltd
Commercial Bank of Ceylon PLC
Commercial Leasing & Finance PLC
DFCC Bank
Habib Bank
Hatton National Bank (ATM only)
HDFC Bank
Lanka Orix Finance Company PLC
MCB Bank
National Development Bank
National Savings Bank
Nations Trust Bank
Pan Asia Banking Corporation
Public Bank
Sampath Bank PLC
Senkadagala Finance
Seylan Bank
Standard Chartered Bank
Bank of Ceylon
Commercial Bank
DFCC Bank
Hatton National Bank
LOLC Finance Company PLC
National Development Bank PLC
Nations Trust Bank PLC
Sampath Bank PLC
Seylan Bank PLC
Standard Chartered Bank PLC
 
 
 
 
 
 
 
 
 
Note – If you are a credit cardholder of any other bank, please note that your bank has not still not enabled credit card payments via CEFTS.

FAQs

1. Is CEFTS a payment gateway?
No. CEFTS is a real-time interbank fund transferring method

2. Is CEFTS a safe mode for transferring money?
Yes. CEFTS is operated under the guidance and supervision of the Central Bank of Sri Lanka under LankaPay network. All LankaPay products complied with PCI-DSS version 3.2 security standard – which is the highest internationally accepted security standard for payment card industry. All member banks that are connected to LankaPay network are also financials institutions regulated by the Central Bank.

3. Is it “Real”time?
Yes

4. Can I make CEFTS transfers 24x7x365 days?
Yes

5. What are the other terms used for CEFTS?
Different member banks use Real-time Fund Transfer, Instant Fund Transfer in synonymous with CEFTS.

6. What is the maximum amount that I can transfer via CEFTS?
We have facilitated fund transfers upto Rs.5,000,000 via CEFTS. However this limit defers bank to bank. Therefore please contact your bank for more information

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