Commercial Bank of Sri Lanka review
Updated October 12, 2026 · DebitCue Editorial Team
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Our verdict
For Sri Lanka based account holders wanting debit spending tied to savings and current accounts, Commercial Bank of Sri Lanka pairs two card types with digital banking and self onboarding. The trade off centres on a home market focus, so value drops for people needing regular banking beyond that market.
Key facts
- Best for
- Everyday cashless spending linked to local accounts
- Card type
- Debit (Source, checked September 26, 2026)
- Legal entity
- Commercial Bank of Ceylon PLC (Source, checked September 26, 2026)
- Headquarters
- Sri Lanka (Source, checked September 26, 2026)
- Support channels
- Email, Phone (Source, checked September 26, 2026)
- Features
- Rewards
- Official website
- combank.lk
Credit cards
- Rewards type
- Points (Source, checked September 26, 2026)
- Rewards rate
- 1 point per LKR 600 spent (gold/platinum credit cards); 1 point per LKR 200 (premium credit cards); 1 point = LKR 1 (Source, checked September 26, 2026)
- 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 (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Commercial Bank of Ceylon PLC (Source, checked September 26, 2026)
- Headquarters
- Sri Lanka (Source, checked September 26, 2026)
- Support channels
- Email, Phone (Source, checked September 26, 2026)
- Features
- Rewards
Pros and cons
Pros
- Covers debit and credit cards alongside savings, current and deposit accounts.
- Offers self onboarding with mobile apps and digital banking for account access.
- Maintains savings choices for children and senior citizens plus standard options.
Cons
- Focus stays on one home market, which limits use for people based elsewhere.
Who it suits
- Sri Lanka residents wanting card spending with savings accounts
- Families planning savings for children and senior members
- Current account holders handling day to day transactions
Who should look elsewhere
- People needing banking outside the home market
The company behind it
Commercial Bank of Ceylon PLC operates as a private bank in Sri Lanka and trades under the ComBank name. The business runs savings accounts for different life stages, including options for senior citizens and children alongside standard savings choices. It runs deposit products and fixed deposits for longer term saving and current accounts for day to day transactions. Digital access runs through ComBank Digital and mobile apps with self onboarding.
How your money is protected
Security rests on structured accounts and controlled electronic channels. Current accounts keep funds held for regular business and personal transactions while allowing unlimited activity. Debit cards give a secure alternative to cash for in store and online shopping. ComBank Digital carries banking transactions with updated security enhancements that guard access. Mobile use follows registration for selected apps, so customers open only the services they need.
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
Which accounts does the bank offer?+
The range includes standard savings accounts plus dedicated choices for senior citizens and children. Current accounts handle day to day business and personal transactions. Deposit products and fixed deposits support longer term saving and steady growth.
Where does the bank operate?+
Operations centre on Sri Lanka as a private bank serving local account holders. Savings accounts, current accounts, cards and digital services all target that home market. People living outside the country will find little practical use for the range.
How does online and mobile access work?+
ComBank Digital provides online banking for a multitude of transactions with updated security enhancements. The ComBank App installs multiple bank apps with one click after registration. Customers then manage selected banking services through mobile with self onboarding for new 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.