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The product has three main tiers based on the net monthly income / salary of the applicant;

  • Silver     Net Salary – LKR 25,000/- – 49,999/-
  • Gold       Net Salary – LKR 50,000/- – 149,999/-
  • Prime     Net Salary – LKR 150,000/- and above

Salary Saver accountholders are entitled to all benefits applicable to their as indicated below. Benefits relating to credit products mentioned below (1-6) are allowed for permanent employees only.

  Category SILVER GOLD PRIME
1. Credit Card and a supplementary card with no Joining fees and 1st year Annual fee PAN ASIA GOLD PAN ASIA BLACK PAN ASIA BLACK
2. Consumer Loan /Aspire Education Loan Interest Rate Loan quantum is determined subject to credit appraisal and credit Policy of the Bank (with 50% waive off  on processing fees) 0.5% lower than published interest rate
3. Emergency Cash Advance Facility ( pre registration required)   Interest rate Maximum amount equals to 40% of the net salary remittance after loan and credit card payments or Rs.75,000/= whichever is lower. ( This facility is considered after first 3 months of regular net salary remittances. The advance given will be fully recovered from the next 3 salary remittances -3 months) 2% less than the Pan Asia Bank Credit Card Interest rate
4. Leasing Yes (with documentation fees waived off)
5. Overdraft (After first 6 months of regular net salary remittances) Not Eligible Maximum – 2 times of net salary or Rs 200,000/-, whichever is lower Maximum – Rs 300,000/-
6. Home Loan At a concessionary rate of 0.5%  less than the published rate
7. ATM / Debit Card No joining fee
8. Our value additions
a) Standing Orders 50% off on execution fee from the normal tariff
b) Internet banking Free
c) SMS Alerts 50% off from the normal tariff
d) Foreign Drafts issuances 50% off on normal Commission
e) Fixed Deposits Additional 0.25 % interest on new/ renewal of FDs (except for Senior Citizen FDs) and new/ existing Minor Accounts of the account holder and his/her immediate family members
f)Lending products 0.25% less than the normal rate for new & existing Housing / Consumer loans / Education loans and Leasing  facilities obtained by the account holder and his/her immediate family members
9. Bank Charges Concessions allowed as mentioned above. A fee of Rs. 500/= will be charged on a monthly basis if the salary remitted of a particular month is less than the minimum net Salary amount applicable to the relevant category