Online Banking FAQ

Online Banking FAQ
1. Who changed registered?

Nations Trust Bank customers (Non-Business) who has a,

  • Primary Credit Card,
  • Active Savings or Current accounts or Debit Cards
  • Customers who are having Proprietor current accounts
2. What Information is required to self-onboard Nations Direct?
  • Mobile number and the current email address must be registered with the Bank
  • Should be an active Account holder, Primary Credit Card or Debit Card holder of Nations Trust Bank
3. Where can I find Nations Direct Online banking Platform?

Nations Direct Online Banking is available on

4. How do I register for Nations Direct Online Banking Platform?

You can register via Nations Direct Online Banking using one of the three methods mentioned below;

  • Nations Trust Account
  • Nations Trust Bank Debit Card
  • Nations Trust Bank American Express / MasterCard Credit Cards

Note: Signing up using savings and current account option is available, with a digital two factor verification coupled with a digital high risk verification process via the App itself.

You can register by yourself using any of the above options. Once you submit the required (Account Number, Credit Card or Debit Card number) you will receive a verification code/s to the registered Mobile number.

After keying in the verification code, first create your username (should be minimum 4 characters) and Password (Password should be as follows).

  • Minimum 08 and Maximum 30 characters
  • At least one upper case letter
  • At least one number (0-9)
  • At least one special character out of
  • Reconfirm the password
5. Can joint account holders sign up?

Yes. Joint account holders can sign up for Nations Direct Online Banking Platform.

In situations where operating instructions of the Current & Savings (CASA) accounts are “either party”, it isn’t mandatory for all parties to sign up for Nations Direct for transaction purposes. If the CASA operating instruction is “All of us”, all parties should sign up for Nations Direct in order to perform, transactions from that account.

When joint holders with the operating instructions “All of us” attempts to perform a transaction, it will be notified for all parties for approval/rejection via an In-App notification, SMS or Email. The transactions will not be completed without all parties approving the transaction.

6. How can I update my current mobile number and email address with the bank?

You can call the 24*7 Contact Centre from your ‘registered contact number’ on +94 114 711 411 or visit the nearest Nations Trust Bank branch and get your information updated.

You may also use the “Service Requests” feature under “more” to send an authenticated request to us via Nations Direct.

7. I am an existing Nations Mobile/Online Banking customer, but I can’t remember my login credentials?

You can simply use the “Forgot Username” option to retrieve your username and use the “Forgot Password” option to reset your password on Nations Direct.

If you are migrating from the Old App/old online banking to Nations direct you may use the above approach to do the same as the moment the new App is downloaded to your Mobile device your saved username will not be visible the first time you try to log in.

In terms of a browser you will have to key in your username and follow the above process on a browser.

8. How secure is my information when I use the Nations Direct?

Mobile App

We use 128-bit Secure Socket Layer (SSL) technology to encrypt your personal information such as User IDs, Passwords and account information. We also use multifactor authentication that verifies that you own the accounts you want to access when you first log in using the Nations Direct Online Baking platform. To do this, you will receive an email or text message at the time of registering for the service. 


9. Can I use the Nations Direct when I am travelling abroad and while roam on different service providers or using public internet?

Yes. However, you should check on your wireless carrier charges, roaming fees for your service plan. Please note that Nations Direct Online banking may not be available in all locations, even if you have access to a cellular network (sanctioned countries).  

We highly recommend not to use Nations Direct while on a free public internet, as your credentials might get compromised

10. Can I use Nations direct Online Banking on my mobile when I am on a VPN?

We highly recommend not to use while on a free VPN services, as your credentials might get compromised.


11. What type of devices are supported and what are the OS versions (Operating system)?
Device OS
iPhone, iPad iOS version 13 and above
Android phone, Tab Android version 7 and above

Best viewed in

12. What can I do with my Nations Direct Online Banking?

Using your Nations Direct, you can:

  • Pay bills, settle your American Express, Nations MasterCard credit card and other bank credit cards
  • Transfer money between Nations accounts and accounts at other banks instantly and by scheduling as well.
  • Manage your payees and billers.
  • See balances, transactions and past statements.
  • Get rewards information for your credit cards.
  • Financial calculators.
  • Send instructions.
  • Find out how to reach us.
  • User your preferred language to access the app (English / Sinhala / Tamil)
  • Change transaction limits on your own.
  • Open savings account and fixed deposits instantly
  • Get in touch with your Relationship Manager
  • Personal financial management tools to manage your funds better (Future Release)
  • A single username and password for both Mobile and Online banking services.
  • Multiple Login Options
    • Password
    • Single sign on (SSO)to Nations Direct Mobile banking
13. What are the transaction limits?
Transaction Type Limit (LKR)
Transfer Funds within own Accounts Unlimited
Transfer Funds to 3rd Party Nations Trust Bank Accounts 10,000,000
Transfer Funds to other Banks 5,000,000
Pay for your own Credit Cards Unlimited
Pay 3rd party Nations Trust Bank Credit Cards 10,000,000
Pay other Bank Credit Cards 5,000,000
Bill Payments 5,000,000
14. Can I change my transaction limits?

Yes. It is possible. You can reduce or increase* within the standard limits of the banks by simply clicking on the “Settings” section and on “Transaction Settings” and set the amounts.

*Transactions limits cannot exceed what has been set by the bank

15. After how many incorrect login attempts will my Nations Direct be locked?

We will lock your Nations Direct after five(5) invalid login attempts. (Combination of Mobile app and Browser attempts)

To unblock your account, visit the login screen of the Nations Direct and select “unblock your account?” option to reset. 


We highly recommend to carry out an “Forgot Password” options to reset your password too.

16. How can I settle a non-Nations Trust Bank credit card
  • Select option “Card payment” from the quick access
  • Select “Select Institution” and key incard details you wish to make payments to. 

Note: Payment method for other bank credit card payments will be CEFTS. However, the Card payment update will depend on the other bank processes and systems, NTB will not be responsible for any delays.

17. What are the billers available in Bill Payments
Utility Type Mobile Banking Reference Number
Telephone Bills
10 Digit Phone Number
10 Digit Phone Number
10 Digit Phone Number
10 Digit Phone Number
10 Digit Phone Number
10 Digit Phone Number
Utility Bills
10 Digit Account Number
10 Digit Account Number
12 Digit Account Number
Access Natural Water (PVT) LTD
6 Digit Account Number
8 Digit Account Number
Sri Lanka Insurance General
7-18 Digit Policy number 
14 Digit Policy number
14 Digit Policy number
Ceylinco Life
8 Digit Policy Number
Sri Lanka Insurance Life
7-18 Digit Policy number
Nations Life
7 Digit Policy number
AIA Insurance Life
8 Digit Policy number
Nations Insurance Brokering
8 Digit Policy number
LOLC Life Assurance Limited
14 Digit Policy Number
Allianz Insurance Lanka Limited
9 Policy Number
Allianz Life Insurance Lanka Ltd
9 Policy Number
Softlogic Life
8 Digit Policy number
Other Bills
Nations Leasing
9-13 Digit Agreement Number
Colombo Swimming Club
6 Digit Membership Number
JK Stock Brokers
NIC Number
National School Of Business Management Limited
NIC Number
Royal Colombo Golf Club
10 Digit Membership Number
Sri Lanka Institute of Information Technology
Registration number, Payment type, 10 Digit Mobile number and Year of Registration
Kaatsu International University
NIC Number
ANC Education
Student Registration Number
S. Thomas' College Bandarawela
5 Digit Admission Number
10 Digit Reference Number
FriMi Topup
10 Digit FriMi ID
Driver ID
Other Bank Credit Cards            
Bank of Ceylon
Credit card Number
Cargills Bank Credit card Number
Commercial Bank Credit card Number
DFCC Credit card Number
Hatton National Bank Credit card Number
Hong Kong & Shanghai Bank
Credit card Number
LOLC Finance
Credit card Number
National Development Bank
Credit card Number
Nations Trust Bank
Credit card Number
Pan Asia Bank
Credit card Number
Sampath Bank
Credit card Number
Seylan Bank
Credit card Number
Standard Charted bank
Credit card Number
18. What are the differences between SLIPS and CEFTS?
Cut off Time Before 11.00am, 1.30pm and 5.00pm on working days No cut off time as its 24 * 7, 365 
Transaction processing time 4 to 5 hours for transactions initiated within the cut off time 1 to 5 minutes (nearly Real time)
Selection of exact Bank Required Required
Selection of exact Branch Required Any branch
Beneficiary account gets credited on holidays No Yes
Account number digit restriction Full account number Full account number
Bank Charges Free LKR 30
19. Account opening on Nations Direct
  1. Account Opening

Now you can open Savings Accounts with a minimum deposit as prompted realtime.

Savings Accounts available for self-opening:

  • Nations Saver
  • Max Bonus
  • Mega Saver
  • Tax Planner
  • Nations Prabuddha (for senior citizens aged 60 & above) 

Customers not eligible to open CASA via Nations Direct are as follows:

  • Customers who does not maintain any CASA with the bank
  • Cannot debit foreign currency accounts and open new foreign currency.
  • Cannot debit joint accounts which carries the operating instructions, “All of us”

Fixed Deposit Accounts available for self-opening:

  • Maturity Fixed Deposits
  • Flexi Fixed Deposits

Customers not eligible to open FD via Nations Directare as follows:

  • Customers who does not maintain any CASA with the bank
  • Cannot debit foreign currency accounts and open new foreign currency FDs.
  • Cannot debit joint accounts which carries the operating instructions, “All of us”