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.

You can register using one of three methods — your Nations
Trust Account, NTB Debit Card, or American Express/MasterCard Credit Card. Once you submit your details, a verification code is sent to your registered mobile number. After verification, create your username (minimum 4 characters) and a password that meets the following criteria:

• Minimum 8 and maximum 30 characters
• At least one uppercase letter
• At least one number (0–9)
• At least one special character from @#$%^_-+

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.

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 your carriers' 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).

Nations Direct gives you access to a wide range of banking services including:

• Pay bills and settle NTB and other bank credit cards 
• Transfer funds between your own accounts and to other banks, instantly or on a scheduled basis
• Manage payees and billers with favourites for quick access
• View balances, transactions, and past statements
• Access credit card rewards information
• Use financial calculators
• Switch between English, Sinhala, and Tamil
• Adjust your own transaction limits
• Open savings accounts and fixed deposits instantly
• Manage debit cards including activating and deactivating, changing ATM PIN, requesting new cards, and linking accounts
• Contact your Relationship Manager
• Request letters and advices without visiting a branch
• Switch between Dark and Light modes
• Single username and password across both Mobile and Online Banking
• Multiple login options including Password, Face ID, Fingerprint, and PIN

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

After 5 invalid attempts. 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,  PickMe, and 

Yes. You can self-open savings accounts (Nations Saver, Max Bonus, Mega Saver, 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
• 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

Biometrics are physical identifiers such as fingerprint mapping or facial recognition that are used to uniquely verify your identity. On the Nations Direct
Mobile App, you can enable biometrics at registration or later via Settings and then Security Settings. To disable, go to Settings and then Configure Biometrics. On the browser version, your password is used instead. (Need to remove form Online Banking and be added to Mobile Banking)