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Enjoy the seamless instant fund transfers with LankaPay real-time payments

Real Time Payments (CEFTS)

Are you tired of waiting for hours or even days for your interbank fund transfers to go through? Say goodbye to those long waiting times with LankaPay CEFTS! Our Common Electronic Fund Transfer Switch (CEFTS) allows you to transfer funds in real-time, up to Rs.5 Mn, conveniently and securely.

With CEFTS, you can initiate peer-to-peer or corporate payments between any LankaPay CEFTS member bank or financial institution, 24/7/365 days a year. Whether you're at home or on the go, simply log into your internet banking, mobile banking portal, or visit an ATM or over-the-counter service to make your transaction.

Rest assured that your transactions are safe and secure. CEFTS operates under the guidance and supervision of the Central Bank of Sri Lanka, ensuring compliance with the highest security standards, including PCI-DSS version 3.2. Plus, with maximum customer charges regulated by the Central Bank, you can enjoy affordable transfers with peace of mind.

Experience the convenience of real-time fund transfers with LankaPay CEFTS and take control of your finances like never before!

Explore the advantages for you

  • Instant fund transfers: Say goodbye to waiting hours or days for your interbank fund transfers to go through. With LankaPay CEFTS, you can enjoy seamless real-time transfers of up to Rs.5 Mn, ensuring your funds reach their destination instantly.
  • Convenience: Initiate peer-to-peer or corporate payments anytime, anywhere, with the flexibility of 24/7/365-day access. Whether you're at home, on the go, or even abroad, you can conveniently transfer funds through Internet banking, mobile banking portals, ATMs, or over-the-counter services.
  • Security: Rest assured that your transactions are safe and secure with LankaPay CEFTS. Operated under the supervision of the Central Bank of Sri Lanka, CEFTS adheres to the highest security standards, including PCI-DSS version 3.2. Your financial data is protected, giving you peace of mind with every transaction.
  • Affordable charges: Enjoy affordable transfers with maximum customer charges regulated by the Central Bank. You can transfer funds without worrying about excessive fees, ensuring cost-effective transactions for your financial needs.
  • Control over finances: Experience the convenience of real-time fund transfers with LankaPay CEFTS, empowering you to take control of your finances like never before. Whether it's managing personal expenses or conducting business transactions, CEFTS provides you with the flexibility and efficiency you need to stay on top of your financial goals.

Discover real-time payments from your preferred financial institution

Statistics

Statistics for FYE ending 31st March 2024

47

Number of participants

164.3 Million

Transaction volume

13.5 Trillion

Transaction value

Verify the account number formats, before you initiate the fund transfer

Financial Institution Account Number Format
Amana Bank PLC 13 digits for any account number
Asia Asset Finance PLC 12 digits for any account number
Bank of Ceylon 10 digits for any account number, without the branch code
Bank of China Limited 15 digits for any account number
Cargills Bank PLC 12 digits for any account number
CBC Finance Limited 10 digits for any account number
Central Finance PLC 12 digits for any account number
Citibank, N.A. 10 digits for any account number
Citizen Development Business Finance PLC 18 digits for any account number
Commercial Bank of Ceylon PLC 10 digits for any account number
Commercial Credit & Finance PLC 06 digits account number
Deutsche Bank AG 10 digits for any account number
DFCC Bank PLC 12 digits for any account number
Dialog Finance PLC 12 digits for any account number
Fintrex Finance PLC 13 digits for any account number
Habib Bank Limited 13 digits for any account number
Hatton National Bank PLC 12 digits for any account number
HDFC Bank 12 digits for any account number
HNB Finance PLC 12 digits for any account number
Hongkong & Shanghai Banking Corporation Limited 12 digits for any account number
Indian Bank 12 digits for any account number
Indian Overseas Bank 12 digits for any account number
L B Finance PLC 15 digits for any account number
LOLC Finance PLC 11 digits for any account number
MCB Bank Limited 12 digits for any account number
Mercantile Investments & Finance PLC Maximum 16 digits for account number
Merchant Bank of Sri Lanka & Finance PLC 12 digits for any account number
National Development Bank PLC 12 digits for any account number
National Savings Bank 12 digits for any account number
Nations Trust Bank PLC 12 digits for any account number
Pan Asia Banking Corporation PLC 12 digits for any account number
People Leasing & Finance PLC 12 digits for any account number
People's Bank 15 digits for any account number
Public Bank Berhad 13 digits for any account number
Regional Development Bank 12 digits for any account number
Richard Pieris Finance Limited 12 digits for any account number
Sampath Bank PLC 12 digits for any account number
SANASA Development Bank Limited 10 digits for any account number
Sarvodhaya Development Finance Limited 12 digits for any account number
Senkadagala Finance PLC 12 digits for any account number
Seylan Bank PLC 15 digits for any account number
Singer Finance (Lanka) PLC 12 digits for any account number
Softlogic Finance PLC 12 digits for any account number
Standard Chartered Bank 11 digits for any account number
State Bank of India 14 digits for any account number
Union Bank of Colombo PLC 16 digits for any account number
Vallibel Finance PLC 12 digits for any account number

Fees and charges

Below are the maximum fees applicable for each transaction, inclusive of government taxes.

  • Internet banking – Rs. 30/-
  • Mobile banking – Rs. 30/-
  • Over the counter – Rs. 100/-
  • Own ATM – Rs. 30/ -
  • Third-party ATM – Rs. 100/-

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