Commercial Bank of Sri Lanka review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
Commercial Bank of Sri Lanka operates as a private bank in Sri Lanka with savings accounts, current accounts, cards and digital banking. For families and small businesses wanting everyday accounts plus mobile access, it brings together flexible saving and day to day transaction support in one place.
Key facts
- Best for
- Households wanting flexible savings with mobile account access
- Card type
- Debit↗
- Legal entity
- Commercial Bank of Ceylon PLC↗
- Headquarters
- Sri Lanka↗
- Support channels
- Email, Phone↗
- Features
- Rewards
- Official website
- combank.lk
Credit cards
- Rewards type
- Points↗
- Rewards rate
- 1 point per LKR 600 spent (gold/platinum credit cards); 1 point per LKR 200 (premium credit cards); 1 point = LKR 1↗
- Perks
- Interest free installment schemes, 06 convenient settlement cycles, Settle credit card bills with any other local bank credit or debit card, Payment at over 269 branches island wide, 24 x 7 x 365 hotline support↗
- Card kind
- Credit↗
Facts checked September 26, 2026, 6 sources
Pros and cons
Pros
- Provides savings choices for adults, senior citizens and children with flexible structures.
- Offers current accounts supporting unlimited daily business transactions with added benefits.
- Supports mobile and online management through apps and digital platform with security enhancements.
- Provides credit and debit cards for secure shopping with dining, hotel and airline links.
Cons
- Focuses on Sri Lanka, which limits relevance for households outside the country.
- Centres card messaging on credit options, giving debit cards less distinct detail.
Who it suits
- Families building savings for children
- Travellers wanting dining and hotel card links
- Small businesses managing daily transactions
Who should look elsewhere
- Households seeking banking outside Sri Lanka
The company behind it
The business operates as a private bank under the legal name Commercial Bank of Ceylon PLC. It serves households and businesses across the island through branches and digital channels. It runs savings accounts for different life stages, deposit products, current accounts for daily transactions, credit and debit cards, personal and home loans and business lending. Prestige banking, self onboarding and mobile apps support account opening and everyday management without visiting a branch.
How your money is protected
The bank emphasises safety of funds alongside convenient access for saving and spending. Debit cards give a secure alternative to carrying cash for shops and online purchases. Current accounts stress protection of funds during unlimited transactions. Digital banking includes security enhancements that support many types of online transactions. Mobile access lets customers check balances, move funds and manage accounts without visiting a branch. Branch support remains available for customers who prefer in person help with accounts and cards.
How Commercial Bank of Sri Lanka compares
Where Commercial Bank of Sri Lanka is available
- Available
- Sri Lanka
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What products does the bank offer?+
The bank provides savings accounts, deposit products, current accounts and credit and debit cards. It also provides personal loans, home loans and business lending for different needs. Mobile apps and digital banking support everyday account management across these products.
Where does the bank operate?+
The bank serves customers across the island as a private bank with branch and digital access. Its savings ranges, current accounts and card facilities focus on needs within the island. Customers can manage accounts through branches, apps and online banking.
How does online and mobile banking work?+
Customers can open an account through self onboarding and then manage banking through apps. Digital banking supports many types of transactions with security enhancements for online use. Multiple apps can be registered for different banking services through mobile.
What debit card features are mentioned?+
Debit cards give a secure alternative to cash for everyday shopping in stores and online. Card links cover dining, hotel stays and airline travel alongside secure payment facilities. Customers can shop conveniently while managing spending through linked accounts.
Where is Commercial Bank of Sri Lanka based?+
Commercial Bank of Sri Lanka is based in Sri Lanka. (Source, checked September 26, 2026)
How can I contact Commercial Bank of Sri Lanka support?+
Commercial Bank of Sri Lanka offers support through Email, Phone. (Source, checked September 26, 2026)
Sources
- combank.lk checked September 26, 2026
Backs: Support channels
“Contact tel:+94112353333 ... Mail mailto:info@combank.net”
- combank.lk/about-us checked September 26, 2026
Backs: Legal entity
“Commercial Bank of Ceylon PLC (also known as Commercial Bank or ComBank) has 100 years of unparalleled growth and achievement.”
- combank.lk/contact checked September 26, 2026
Backs: Headquarters
“Head Office Commercial Bank of Ceylon PLC Commercial House, No 21, Sir Razik Fareed Mawatha, P.O. Box 856, Colombo 01. Sri Lanka.”
- combank.lk/personal-banking/cards/credit-cards checked September 26, 2026
Backs: Card kind, Perks
“Gold / Silver Credit Cards ... 1. Visa Credit Card. 2. Mastercard Credit Card. 3. UnionPay Credit Card. 4. LankaPay (JCB) Credit Card.”
- combank.lk/personal-banking/cards/max-loyalty-rewards checked September 26, 2026
Backs: Features, Rewards rate, Rewards type
“Rewards are automatically earned when Credit & Debit cards are used at POS & online transactions.”
- combank.lk/services/flash-digital-bank-account checked September 26, 2026
Backs: Card type
“for the collection of the "Flash" Debit Card”
Compiled from 6 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.
Commercial Bank of Sri Lanka
Households wanting flexible savings with mobile account access