FriMi review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
FriMi suits anyone in Sri Lanka who wants a no-fee multi-currency account with a Mastercard debit card and easy access around the clock. The monthly fee is LKR 0, the minimum deposit is LKR 0 and the headline rate is 2%, variable.
Key facts
- Best for
- A single market in Sri Lanka wanting a free multi-currency account and debit card.
- Monthly fee
- LKR 0↗
- Card type
- Debit↗
- Card network
- Mastercard↗
- Legal entity
- Nations Trust Bank PLC↗
- Headquarters
- Sri Lanka↗
- Founded
- 2016↗
- Support channels
- Phone, Chat, Help-centre, Community↗
- Features
- Multi-currency
- Official website
- frimi.lk
Savings
- Headline rate
- 2%↗
- Rate type
- Variable↗
- Minimum deposit
- LKR 0↗
- Access terms
- On-demand access through the FriMi app 24/7, free of charge↗
- Account kind
- Easy access↗
- Pricing model
- No monthly fee
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- No monthly fee, on a no monthly fee account
- Multi-currency account with a mastercard debit card
- On-demand access through the FriMi app 24/7, free of charge
- Support across phone, chat and help centre
Cons
- The rate is variable, so the headline rate can move
- Account access runs through the FriMi app rather than branches
- Support is limited to phone, chat and help centre
Ready to try FriMi?
Scored 9.0 / 10 by SumCue.
Who it suits
- Sri Lankan households keeping money in several currencies
- People who want a Mastercard debit card with no monthly cost
- Anyone who banks and pays mainly through an app
Who should look elsewhere
- Savings seekers wanting a fixed rate: bunq is worth checking for account types that lock in terms
- Readers wanting a card that earns rewards: Wise sits in a different product family
- Anyone needing a credit card: Varo Believe Secured Credit Card is the one to compare
The company behind it
FriMi is run by Nations Trust Bank PLC, headquartered in Sri Lanka and founded in 2016. It is a bank-backed app rather than a standalone fintech, and the account is opened and used through the FriMi app. Help is offered across phone, chat and help centre, so a phone call or a chat thread covers most questions.
How FriMi compares
9.0 vs 9.4
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 9.4
9.0 vs 8.7
9.0 vs 9.2
9.0 vs 9.4
9.0 vs 8.7
9.0 vs 9.3
9.0 vs 8.9
9.0 vs 8.6
9.0 vs 9.2
9.0 vs 8.4
9.0 vs 8.5
9.0 vs 8.8
9.0 vs 9.0
9.0 vs 8.6
9.0 vs 8.3
9.0 vs 9.5
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.8
9.0 vs 8.7
9.0 vs 8.5
9.0 vs 8.4
9.0 vs 8.0- 9.0 vs 8.0
Where FriMi is available
- Available
- Sri Lanka
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does FriMi cost to hold?+
The account carries a monthly fee of LKR 0, so there is no ongoing charge to keep it open. It sits on a no monthly fee structure, which is how most no-fee accounts on the market are set up.
How much interest does FriMi pay?+
The headline rate is 2% and it is variable, so the number can change rather than staying locked. The median rate across the accounts we compare is 3%.
Is there a minimum deposit?+
The minimum deposit is LKR 0, so an account can be opened without putting in a lump sum. For comparison, the median minimum across compared savings accounts is €0.88.
What card do I get?+
The card is a debit card on the mastercard network. Because it is a debit card, spending comes straight out of the balance you hold.
How does easy-access saving work?+
The account is easy-access, which is the most common kind on the market. Access runs through the FriMi app: On-demand access through the FriMi app 24/7, free of charge, so you can get to your money whenever you need it.
Can I hold more than one currency?+
Yes, the account is multi-currency, so you can hold and spend in more than one currency. That is the main draw for people who deal in several currencies at once.
How do I get help?+
Support runs on phone, chat and help centre. A phone call or an in-app chat is the quickest route, with a help centre and community board for anything less urgent.
Who is running FriMi?+
The account is provided by Nations Trust Bank PLC, a bank rather than a fintech, and the business was founded in 2016. It is headquartered in Sri Lanka.
Sources
- frimi.lk checked September 26, 2026
Backs: Headquarters, Legal entity
“Sri Lanka's first fully-fledged digital banking experience”
- intercom.help/frimi/en/articles/3276750-a-spunky-debit-ca... checked September 26, 2026
Backs: Features, Monthly fee, Card network
“the card operates as a MasterCard, enabling international use”
- frimi.lk/about-us checked September 26, 2026
Backs: Founded
“FriMi started in 2016 as an innovative digital initiative of the corporate management team of the Nations Trust Bank.”
- frimi.lk/blog-post/frimi-debit-card-fee-revision checked September 26, 2026
Backs: Card type
“Physical Debit Cards and Virtual Debit Cards”
- frimi.lk/faqs checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Support channels
“it's also just a click away giving you immediate access to your cash whenever-wherever & complete financial independence 24/7”
- frimi.lk/kfd checked September 26, 2026
Backs: Minimum deposit, Pricing model, Rate type
“FriMi Savings Account ... There is no minimum initial deposit”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
FriMi
A single market in Sri Lanka wanting a free multi-currency account and debit card.