Highlights

Dedicated account designed for freelancers and digital earners
Available in LKR, USD, EUR, GBP and AUD
Personal and Business account options
Preferred Debit Card (VISA/Mastercard/UnionPay & JCB) issued – use your earnings instantly
Credit card eligibility with joining fee and first-year annual fee waived
Access to Personal Loans, Home Loans and Leasing facilities (subject to standard credit evaluation)
Earn income from globally recognised platforms: Fiverr, Upwork, Freelancer.com, YouTube, TikTok, Meta, and more

Features

Multi-currency account options – LKR, USD, EUR, GBP, and AUD
Personal and Business account variants available
Statement account with e-Statement facility
VISA/Mastercard/UnionPay or JCB Debit Card issuance (personalized or instant)
Credit Card facility with fee waivers for the first year
ComBank Digital app access with first-year annual fee waived
0% interest payment plan on platform subscriptions and license fees (up to 12 months, once per year)
Access to credit facilities (Personal Loans, Home Loans, Leasing) based on your platform income

Eligibility

Who Can Apply?

You are eligible if:

You are a Sri Lankan citizen aged 18 years and above residing in Sri Lanka.
You are a business entity registered in Sri Lanka
You earn income in foreign currency through eligible online platforms
You can provide documentary proof of your platform earnings

Eligible Freelancer Platforms

The following platforms are currently recognised;

Fiverr
Upwork
Freelancer.com

Social Media and Content Platforms

YouTube
TikTok
Meta (Facebook / Instagram)
X (formerly Twitter)

Account types

Choose the account that fits your earning structure

Account Type	Currency Options	Suited For
Personal Rupee Account	LKR	Individual freelancers earning in foreign currency
Personal Foreign Currency Account (PFCA)	USD, EUR, GBP, AUD	Individuals who wish to hold and manage earnings in foreign currency
Business Rupee Account	LKR	Freelance companies, sole proprietorships, and partnerships
Business Foreign Currency Account (BFCA)	USD, EUR, GBP, AUD	Businesses that prefer to retain and operate in foreign currency

Documents required

Account mandate.
Know Your Customer (KYC) form .
National Identity Card/ Valid Driving License/ Valid Passport that carries the NIC number.
Address verification documents (If the address given to the bank is different from the National Identity Card / Driving License.) More info >>

In addition to the standard required documentation, the following documents should be submitted at time of account opening;

Special Declaration Form
Proof of the platform
Proof of engagement in online platforms
Corresponding sources of funds

Your deposit is protected under the Sri Lanka Deposit Insurance Scheme

What is the Sri Lanka Deposit Insurance Scheme (SLDIS) ?

The Sri Lanka Deposit Insurance Scheme (SLDIS) was introduced by the Central Bank of Sri Lanka (CBSL) to promote overall financial system stability. It provides a mechanism to protect depositors in the event of a failure of a member financial institution, thereby maintaining depositor confidence and supporting the stability of the financial system. Under SLDIS, insured depositors are compensated up to a specified maximum amount, known as the “coverage.” The current coverage is Rs. 1,100,000 per depositor, per institution.

More Info >>

Terms & conditions apply

Product information and terms & conditions are subject to change from time to time. Therefore, it is advisable to contact the branch nearest to you for the latest information and prevailing terms & conditions.