Your mobile number and email address must be registered with the Bank, and you must be an active Account, Debit Card, or Primary Credit Card holder.

Via your Nations Trust Account, Debit Card, or American Express/MasterCard Credit Card. You'll receive a verification code to your registered mobile number, after which you create a username (min. 4 characters) and password (min. 8, max. 30 characters, with at least one uppercase letter, one number, and one special character).

Yes. For "either party" accounts, not all holders need to sign up. For "All of us" accounts, all parties must sign up and approve transactions together.

Call the 24/7 Contact Centre at +94 114711 411, visit a branch, or use the "Service Requests" feature in Nations Direct

Use "Forgot Username" to retrieve your username and "Forgot Password" to reset your password on the Nations Direct platform.

Nations Direct uses 128-bit SSL encryption and multifactor authentication for all personal data.

Yes, but check roaming charges. It may not be available in sanctioned countries. Avoid using it on free public Wi-Fi.

It's not recommended on free VPN services as credentials may be compromised.

iPhone/iPad (iOS 13+), Android phones/tablets (Android 7+), and major browsers (Chrome, Firefox, Edge, Safari, Opera).

Pay bills, transfer funds locally and to other banks, manage payees/billers, view balances and statements, access credit card rewards, use financial calculators, open savings accounts and fixed deposits, contact your Relationship Manager, and more.

Yes. Go to Settings → Transaction Settings to adjust within the bank's standard limits

After 5 invalid attempts (combined across mobile and browser). Use "Unblock your account" on the login
screen to reset, then use "Forgot Password" too.

Select "Card Payment" from quick access → "Select Institution" → key in the card details. Payments are processed via CEFTS; delays from the other bank are not NTB's responsibility.

 A wide range including DIALOG, HUTCH, MOBITEL, SLT, CEB, LECO, Water Board, various insurance companies (AIA, Ceylinco, Union Assurance, etc.), Nations Leasing, FriMi Topup, PickMe, and credit cards from most major Sri Lankan banks.

Yes. You can self-open savings accounts (Nations Saver, Max Bonus, Mega Saver, Tax Planner, Nations Prabuddha) and fixed deposits (Maturity FD, Flexi FD). Not available for customers without an existing CASA, foreign currency accounts, or "All of us" joint accounts.

You can submit a wide range of service requests directly through the Nations Direct platform,
covering account management, alerts, and document requests. The available service requests are:

Account & Personal Details

• Correspondence address change
• Permanent address change
• Email address change
• Mobile number change
• NIC / Passport number change
• Name change

Statements & Alerts

• Smart Statement registration – Account
• Smart Statement registration – Card
• SMS alert registration
• SMS alert cancellation

Balance Confirmations & Letters

• Balance confirmation – Accounts
• Balance confirmation – Fixed Deposit
• Balance confirmation – Lease
• Balance confirmation – Cards
• Balance confirmation – Loan
• Balance confirmation letter – Accounts
• Account confirmation letter with A/C opening date
• Account confirmation letter with A/C closing date
• Account confirmation letter with Swift Code
• Withholding tax certificate

Account Actions

• Stop Payment
• Cheque book request
• Round Up closure
• Bucket list closure
• Savings Account closure
• Account deactivation