• Instant & Secure Transfers – Transfer funds in real-time across banks within Sri Lanka.

• Multiple Payment Channels – Choose from RTGS, CEFTS, or SLIPS for different transaction needs.

• Convenient Access – Perform transactions via branches, online banking, or DFCC ONE mobile banking app.

• Competitive Fees & Charges – Enjoy lower fees for online transactions and exclusive benefits for Pinnacle and other higher-tier customer segments.

• Same-Day & Scheduled Transfers – Send instant transfers or schedule payments to meet business and personal financial obligations on time.

Real-Time Gross Settlement (RTGS) – Large Value Transactions

RTGS is the fastest and most secure way to transfer large-value funds between banks in Sri Lanka. Transactions are processed in real time, making it ideal for business and high-value personal transfers.

RTGS Fees

2. Common Electronic Fund Transfer Switch (CEFTS) – Instant Domestic Transfers

CEFTS enables real-time interbank fund transfers at your convenience, available via:

• DFCC ONE (Mobile App)

• DFCC Online Banking

• Over-the-counter at DFCC Bank branches

CEFTS Fees

Sri Lanka Interbank Payment System (SLIPS) – Scheduled Transfers

SLIPS is an electronic fund transfer system designed for scheduled payments, ensuring reliable and secure processing within Sri Lanka’s local clearing network.

SLIPS Cut-Off Times

SLIPS Fees

• LKR 50 per transaction

1. Via DFCC ONE Mobile App or Online Banking – Log in, select fund transfers, and choose CEFTS or SLIPS.

2. Over-the-Counter at DFCC Bank Branches – Visit your nearest DFCC Bank branch and request a CEFTS, RTGS, or SLIPS transfer.

3. Corporate Clients – Businesses can process bulk payments via DFCC iConnect.

1. What is the fastest way to transfer money between banks in Sri Lanka?

• CEFTS enables instant real-time transfers, while RTGS is the best option for high-value transactions.

2. What is the maximum transfer limit per transaction?

• CEFTS: Up to Rs. 5 million per transaction

• RTGS: No predefined limit for high-value transactions

3. How long does it take for a SLIPS transfer to be completed?

• Transfers are processed same-day if initiated before 1:00 PM.

• Transfers after 5:00 PM will be credited on the next working day.

4. Are online local payments cheaper than branch transactions?

Yes, CEFTS transactions via DFCC ONE and Online Banking are convenient and cost only LKR 30, compared to LKR 100 for branch-based transactions, plus the time and financial cost of travel to a branch.

5. Can businesses use CEFTS and RTGS for bulk transactions?

Yes, DFCC iConnect allows corporate customers to process bulk fund transfers securely.

• DFCC ONE Mobile App

• DFCC Online Banking

• DFCC iConnect (Business Banking)

• DFCC Local Payments T&C