Frequently Asked Questions


What is FriMi?

It’s a 3 in 1 app that provides you with a real-time Digital Banking account, Mobile Wallet & Payment System - it’s quick, easy and totally hassle-free!

What sort of an application is this?

It’s a fast, easy and financially liberating lifestyle app that brings the cool back home. With FriMi you can enjoying fantastic offers & deals while you earn, save, lend, borrow or shop & pay for anything - anywhere – anytime.

Is FriMi a Secure platform?

Yes. FriMi is powered by Nations Trust Bank, hence your money and privacy is absolutely in safe hands! Also, our app security measures are reinforced with a Biometric Security system which can protect your account from any cyber or mobile breach.

Is a bank involved with FriMi?

Yes. FriMi is by Nations Trust Bank PLC.

Are there any fees?

Yes, here’s a detailed view of what you’re in for exactly;



App Signup fee


Annual Service fee


Top up from other bank via Just Pay service


Send Money via Mobile number


Cash Tokens


Cash Request


Fund Transfers to other bank accounts

Rs 30/-

Other bank credit card bill payments

Rs 30/-

Physical Debit Card – Joining Fee


Physical Debit Card – Annual Fee

Rs 600/-

Physical Debit Card Replacement fee (within the validity period)

Rs 600/-

Virtual Debit Card – Joining Fee


Virtual Debit Card – Annual Fee


Withdrawal from Nations Trust Bank ATMs – Debit Card


Withdrawals from Nations Trust Bank ATMs– Card-less


Withdrawals from Other bank ATMs (Lanka Pay)

Rs 30/-

Balance inquiry from Other bank ATMs (Lanka Pay)

Rs 7.50/-

Bill Payments


Payments at merchants via Debit Card, App, or mobile number


Utility bill payments (Waterboard, CEB & LECO)

Rs 20/-

Note – Other standard banking charges may apply

What is the difference between FriMi and other financial applications?

The moment you download the app and register with FriMi you’ve also opened your own Secure, Real-time savings account. Not only is this paper-work free, but it’s also just a click away giving you immediate access to your cash whenever-wherever and complete financial independence 24/7! FriMi is not your average mobile banking app, it’s much more than a standard wallet, and here’s the best part, it’s not restricted to just one Bank since you can add your other Bank accounts via JustPay! Unlike any other financial app, FriMi can manage everything for you - from the convenience of online banking, shopping, and doing transactions to keeping you posted on customized offers from your favourite brands..

Can I use FriMi for my business?

Absolutely! We have a separate app to support your business. Drop a buzz on 0114374473 & we’ll tell you how.

Do I have to have an account at NTB to use FriMi?

Nope, your FriMi registration is all it takes!
Once you complete the process, drop a buzz on our hotline to help us validate your information, and you’re absolutely good to go! Just in case you forget to call us in, we will try our best to get through to you within 24 hours, because if not the account gets deactivated automatically.

When, Where and with Whom can I use my FriMi?

FriMi is always with you and it’s willing to do any transaction. Whether it be while shopping, dining with friends, gifting on special occasions or sending money to a loved one, you can FriMi the funds from anywhere to anyone for anything at anytime.

What are the Transaction Limits?

Once you are a fully verified customer LKR 1,000,000 per day with a limit of LKR 500,000 per transaction and no, this does not involve any hidden charges.

What happens if I reset my phone?

You can download the FriMi app from the app store and login again. Drop a buzz on our hotline if you need help in recovering your FriMi ID or have forgotten your PIN.

How fast is FriMi?

Fast enough that you can do anything in just a matter of seconds - but hey, your speed mainly depends on the strength of your data connection!

What kind of devices can I use with FriMi?

Any smart phone or tablet device with Android, iOS or HarmonyOS. (Android Lollipop 5.0 & above / iOS 9 & above)

How do I add money to my FriMi account?

It’s simple!

  • Transfer it from one of your own accounts at Nations Trust Bank
  • Link your other bank accounts to your FriMi account via JustPay
  • Via a Nations Trust bank Cash deposit machine
  • Via any branch of Nations Trust Bank
  • Via online banking from your other Bank
  • Move the salary to your FriMi account - most FriMians prefer this option

What do the FriMi Interest Rates look like?

We’ve got a solid lineup for all your savings above Rs. 10,000. Here’s what they look like;

Saving amount

Interest P.A

0 - 9,999


10,000 +


Saving amount on Savings Pots, Round up Accounts & Bucket List

Interest P.A

0 - 9,999


10,000 - 99,999


100,000 - 499,999


500,000 - 999,999


1,000,000 +


What do the Fixed Deposit Interest Rates look like?

You can find our updated list of FD rates on the Nations Trust Bank page. Follow this link to check it out - Click here

What are Savings Pots?

Savings Pots help you to identify your financial priorities for the month and helps you be prepared so that you wouldn’t easily be caught off-guard. FriMi offers you 05 separate savings pots to plan ahead.

Is there a minimum deposit value when opening savings pots?

Yes, you need to deposit a minimum of LKR 100 when opening a Savings Pot.

Do I get interest for my money on Savings Pots?

Yes, there is a special interest rate on your money. Checkout the table above and see the available interest rates.

How do I create a savings pot?

Check out this video to find out how to create your own savings pot - See how

Can I close my savings pot?

Yes, you can by contacting the hot line. Your money will be credited back to your FriMi account.

Can I transact with merchants, bill payments, CEFTs, etc. through the savings pot?

No. You can only withdraw money into the FriMi account.

How do I open a FriMi Fixed Deposit?

Check out this video to find out how to create your own Fixed Deposit - See how

Can I amend the maturity instruction after placing the FD?

Yes you can. Simply drop a buzz on our hotline and our support team will assist you with it or you can even send us a request via the ‘Reach us’ section in app.

What is the rate deduction for premature withdrawal?

Rate will depend on the revised period and will be known only at the time of withdrawal.

Can I visit a branch and uplift the Fixed Deposit?

Yes you can.

What is Round up Savings?

Round up saving lets your change money grow every time you spend via FriMi. All transactions you do will be rounded up and the amounts saved will be automatically transferred to the Round up savings account.

What are the round up options available?

You can select to round up your change to the nearest LKR 50, 100 or 500.

Can I have multiple Round up savings accounts?

No, you can only have one Round up saving account at a given time.

What is Bucket List savings?

You now can save towards a specific long-term goal monthly with a bucket list account. This is the ideal solution if you want to save up for a phone, laptop, home upgrade, vacation or any other future plan you may have.

How do I get started with Bucket List?

Simply enter the target amount you need to save up, target date to finish saving, monthly installment date and the initial deposit of LKR 500.

Do I have to add money manually to the Bucket List?

No. Once you complete the above steps, the app calculates the amount you need to add to the Bucket List on a monthly basis. It automatically transfers the amount from your FriMi account or other bank account linked on the specific installment date. You don’t have to do a thing.

Do I get an interest for the money saved in Bucket List account?

Yes. Standard savings account interest will be calculated daily for the amount you have in your Bucket List account and credited monthly.

Is there a minimum target amount?

Yes. The minimum target amount is LKR 10,000 to open a Bucket List account.

Are there any conditions for the initial deposit?

A minimum of LKR 500 should be added as the initial deposit and it should be below 50% of the target amount.

Can I open multiple Bucket List accounts?

Yes, you can open multiple Bucket List accounts.

What is FriMi send money?

It’s a unique feature offered by FriMi where you can send money to any other FriMian by using just the mobile number and the best part is that money is sent instantly to the recipient - See how to send

What happens if I send money to a wrong number?

It will be converted to a FriMi token & sent via SMS to the recipient.

What is FriMi Cash Tokens?

It’s unique feature offered by FriMi where you can send money to any one in Sri Lanka who has a mobile number. You can send up to LKR 25,000 per transaction - See how to send

How can the recipient withdraw a cash token?

A token recipient can visit any Nations Trust ATM island wide and withdraw the money - See how to withdraw

Is there an expiry date for cash tokens?

Yes, if the recipient does not withdraw token in 7 days, it will be expired & the sender will get back the money.

Can I request a FriMi Debit card?

Yes, you can. All you have to do is send a request via your FriMi app. Here’s how - login to FriMi App > go to the hamburger menu (left side top corner) > click on Help > select Reach Us > Type I want a FriMi Debit Card in the leave a message section > Send it.

Can I add my NTB AMEX card to FriMi?

Yes, you can add your NTB AMEX card via ‘Card & Accounts’ section in the hamburger menu of your FriMi app.

Can I use my AMEX card to do payments using FriMi app?

Yes, you can select your AMEX card when doing payments via FriMi app under ‘billers’ category.

Is there an additional charge when paying via AMEX card?

No, there is no additional charge for doing biller payments using AMEX card via your FriMi app.

How much space does the app consume?

Less than 80mb.

Can FriMi be used on a rooted or jailbroken device or when the device is on developer mode?

No, due to security requirements, the app will not be compatible on such devices.