Sri Lanka
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- HQ
- London
- Fee
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FriMi
Nations Trust Bank’s digital brand. CBSL licensed commercial bank. Sri Lanka.
Legal entity: Nations Trust Bank PLC (FriMi is the digital brand)
Rate this app
6.8Mixed
AlternativesFive questions
At a glance
Is it a bank?
Yes — Digital brand of Nations Trust Bank PLC — licensed commercial bank (Central Bank of Sri Lanka). Still read the entity on the statement.
If it fails?
FriMi is Nations Trust Bank’s digital banking experience (App Store listing by Nations Trust Bank). NTB is a CBSL licensed commercial bank. Licensed commercial banks are SLDIS members. Eligible deposits follow the Sri Lanka Deposit Insurance Scheme at NTB — confirm the live SLDIS cap on cbsl.gov.lk. The app icon is not a separate bank.
Salary?
An NTB LKR current account can take a Sri Lankan salary. Confirm the number FriMi issues.
Open from abroad?
Sri Lankan KYC. Not a tourist LKR mill.
Monthly fee
Confirm live in the FriMi app
Account number
No IBAN-class local rail on this file.
NeoBankDBVerdict
Licence first · score second
6.8
/10 · Mixed
FriMi is Sri Lanka’s first fully-fledged digital banking experience — that sentence is Nations Trust Bank’s, on the App Store, not a directory’s. NTB is licensed and supervised by the Central Bank of Sri Lanka. Licensed commercial banks are members of the Sri Lanka Deposit Insurance Scheme. Eligible FriMi balances that are NTB deposits follow SLDIS at NTB; confirm the live compensation cap on cbsl.gov.lk. This file does not invent a rupee figure the operator page did not print this pass. There is no separate FriMi bank. Directories that list FriMi as a startup charter are wrong.
What it is
Nations Trust Bank launched FriMi as the onshore digital current account. In a market full of wallets, the CBSL licence class is the whole review.
Best for: Sri Lankan residents who want a CBSL bank account without pretending FriMi is a separate charter.
Last checked 2026-09-02. Not advice.
What it does well
- +Named licensed commercial bank (Nations Trust Bank PLC)
- +SLDIS membership follows LCBs
- +Onshore LKR account
- +Not an EMI passporting in
What to watch
- −Not a separate digital-bank licence
- −Shared SLDIS cap with other NTB deposits
- −Sri Lanka residency
- −Live SLDIS cap must be read on CBSL, not this file
Legal entity, not the app icon
Who is behind it
- Legal name
- Nations Trust Bank PLC (FriMi is the digital brand)
- Parent
- Nations Trust Bank PLC
The product, not the brand colour
The account
- Platforms
- iOS · Android
- Account types
- Personal digital banking (NTB)
- Partner bank
- Nations Trust Bank PLC
- Availability
- Sri Lanka
- Remote open
- Sri Lankan KYC. Not a tourist LKR mill.
- Salary / payroll
- An NTB LKR current account can take a Sri Lankan salary. Confirm the number FriMi issues.
- Local rails
- Sri Lankan rupee bank rails via NTB (CEFTS / LankaPay-class — confirm live)
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- In-app ledger
- Built for
- Personal
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- visa · physical · virtual · Google Pay
Licence first
Safety
FriMi is Nations Trust Bank’s digital banking experience (App Store listing by Nations Trust Bank). NTB is a CBSL licensed commercial bank. Licensed commercial banks are SLDIS members. Eligible deposits follow the Sri Lanka Deposit Insurance Scheme at NTB — confirm the live SLDIS cap on cbsl.gov.lk. The app icon is not a separate bank.
Holder / issuer: Nations Trust Bank PLC
- Central Bank of Sri LankaDigital brand of Nations Trust Bank PLC — licensed commercial bank · Sri Lanka
Fees
- Monthly
- Confirm live in the FriMi app
- FX markup
- Bank FX
- ATM
- NTB / partner ATM — confirm live
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- –Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- NTB current account in an app
- CBSL licensed commercial bank behind it
- Payments + savings
- Sri Lanka onshore
Before you tap Sign up
How to open
Step 1
Name the bank
Nations Trust Bank PLC. FriMi is the app. CBSL licensed commercial bank.
Step 2
Sri Lankan KYC
NIC / documents as the app asks. Onshore.
Step 3
Read SLDIS at CBSL
Eligible deposits at member LCBs. Cap is on the central bank site, not a blog.
Score
- Safety25%
- 7.8
- Fees20%
- 7.2
- Features15%
- 7.4
- App15%
- 8.0
- Global15%
- 2.4
- Support10%
- 7.0
Change log
Full logLicence
FriMi is Nations Trust Bank’s digital brand
NTB is a CBSL licensed commercial bank. SLDIS follows the bank, not the app icon. FriMi is the skin.
Available in
Straight answers
FAQ
01Is FriMi a bank?
FriMi holds a banking-style licence (Central Bank of Sri Lanka). Still read the legal entity on the statement, not the app icon.
02How is money protected?
FriMi is Nations Trust Bank’s digital banking experience (App Store listing by Nations Trust Bank). NTB is a CBSL licensed commercial bank. Licensed commercial banks are SLDIS members. Eligible deposits follow the Sri Lanka Deposit Insurance Scheme at NTB — confirm the live SLDIS cap on cbsl.gov.lk. The app icon is not a separate bank.
03Where is FriMi available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with FriMi.
04Card and wallets?
visa · physical · virtual · Google Pay
05Can I open FriMi remotely?
Sri Lankan KYC. Not a tourist LKR mill.
06What is the legal name behind FriMi?
Nations Trust Bank PLC (FriMi is the digital brand). Read the entity on the statement, not the app icon.
07Can I receive salary on FriMi?
An NTB LKR current account can take a Sri Lankan salary. Confirm the number FriMi issues.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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