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 & totally effortless!
It’s a fast, easy & financially liberating lifestyle app that will make your life effortless. With FriMi you can manage all your money from one place by earning, saving, transferring, shopping & paying for anything - anywhere – anytime.
Yes. FriMi is powered by Nations Trust Bank (NTB), hence your money & privacy are 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.
Yes. FriMi is by Nations Trust Bank PLC.
FriMi is Trilingual – allowing FriMians to choose Sinhala, Tamil or English according to their preference.
You can effortlessly log in using the Username & Password, PIN or biometrics.
You can find your FriMi ID in the Profile section of the app, easily accessible by tapping the Profile icon on the top left of the Home screen.
You can visit the ‘Portfolio’ section in-app to find your FriMi Account details including your FriMi account number, branch name & other account related details. The Portfolio section will also have your other accounts & card details in one view.
You can also tap on “Add money” > “Transfer money from another bank” to view FriMi account details & branch name.
Yes, here’s a detailed view of what you’re in for exactly;
| Service | Charges |
|---|---|
| App Signup fee | FOC |
| Annual Service fee | FOC |
| Top up from other bank via Just Pay service | FOC |
| Send Money via Mobile number | FOC |
| Cash Tokens | FOC |
| Cash Request | FOC |
| Fund Transfers to other bank accounts | Rs 30/- |
| Other bank credit card bill payments | Rs 30/- |
| Physical Debit Card – Joining Fee | FOC |
| Physical Debit Card – Annual Fee | Rs 600/- |
| Physical Debit Card Replacement fee (within the validity period) | Rs 600/- |
| Virtual Debit Card – Joining Fee | FOC |
| Virtual Debit Card – Annual Fee | FOC |
| Withdrawal from Nations Trust Bank ATMs – Debit Card | FOC |
| Withdrawals from Nations Trust Bank ATMs– Card-less | FOC |
| Withdrawals from Other bank ATMs (Lanka Pay) | Rs 30/- |
| Balance inquiry from Other bank ATMs (Lanka Pay) | Rs 7.50/- |
| Bill Payments | FOC |
| Payments at merchants via Debit Card, App, or mobile number | FOC |
| Utility bill payments (Waterboard, CEB & LECO) | Rs 20/- |
| My QR payment acceptance fees from FriMi or NTB app | FOC |
| My QR payment acceptance fees from any other LANKAQR-enabled app | 0.5% |
| My QR payment acceptance fees from China Union Pay (CUP) app or UPI enabled app | 1.8% |
Note – Other standard banking charges may apply
The moment you download the app & register with FriMi you’ve also opened your own Secure, Real-time NTB 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 & complete financial independence 24/7! FriMi is not your average mobile banking app, it’s much more than a standard wallet, & here’s the best part, it’s not restricted to just one Bank since you can effortlessly add your other Bank accounts via JustPay! Unlike any other financial app, FriMi can manage everything for you - from the convenience of online banking, saving, shopping, moving money, card-less withdrawals, & effortless transactions.
Absolutely! We have a separate app to support your business. Drop a buzz on 0114374473 & we’ll tell you how.
Nope, you don't need an NTB account to use FriMi! Just register with FriMi, & you're good to go. After verification, you’ll automatically have an NTB account. If you already have one, it'll be verified & activated right away. If not, no worries! You can get verified through a quick video call link sent via SMS, or visit any NTB branch or meet our friendly staff. Once your FriMi account is verified, you're all set to start using it!
FriMi is always with you and ready to handle any transaction, whether it's shopping, settling bills, dining with friends, splitting the bill, gifting on special occasions, or sending money to a loved one. You can use FriMi to transfer funds from anywhere to anyone for anything, anytime.
Yup, you can schedule card payments & bill payments for utilities, mobile, broadband, insurance, and more. Pick one-time or recurring schedules, whether it's daily, weekly, monthly, quarterly, or annually.
We accept the NIC & Passport for FriMi onboarding. Currently, the Driving License can’t be used to get onboard.
Once you are a fully verified FriMian, you can visit 'Transaction Settings' section in-app to view & customize transaction limits for each type, tailoring them to your needs within the specified maximums. Yes, it’s that effortless!
You can download the FriMi app from the app store & log in. If you've forgotten your FriMi username, PIN, or password, simply follow the "Forgot username," "Forgot PIN," or "Forgot password" option. If you've forgotten your FriMi ID, just choose the "Need to know your FriMi ID?" option.
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!
Any smart phone or tablet device with Android, iOS or HarmonyOS. (Android Marshmallow 6.0 & above / iOS 13 & above)
Just give a buzz to 0114374377 for updates on any FriMi account activation inquiries.
It’s simply effortless! Here are some options:
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 | N/A |
| 10,000 + | 2.00% |
| Saving amount on Savings Pots, Round up Accounts & Bucket List | Interest P.A |
|---|---|
| 0 - 9,999 | N/A |
| 10,000 - 99,999 | 2.50% |
| 100,000 - 499,999 | 3.00% |
| 500,000 - 999,999 | 3.25% |
| 1,000,000 + | 3.75% |
You can find our updated list of FD rates on the Nations Trust Bank page. Follow this link to check it out - Click here
Yes, you can. Simply drop a buzz on our hotline and our support team will assist you with it or you can even tap the Message icon on the top right of the home screen in-app to live chat with for real-time assistance.
The rate will depend on the revised period and will be known only at the time of withdrawal.
No need. You can even uplift the FD through the app
Savings Pots help you to identify your financial priorities for the month and help you be prepared so that you won’t easily be caught off-guard. FriMi offers you 05 separate savings pots to plan ahead. They're like separate mini savings accounts in the app allowing you to effortlessly withdraw, add more funds, rename, or close whenever you want. You can even add money to your savings pot from your other Bank accounts linked to FriMi.
Yes, you need to deposit a minimum of LKR 500 when opening a Savings Pot.
Yes, there is a special interest rate on your money. Check out the table above and see the available interest rates. Check out this video to find out how to create your own savings pot - See how
Yes, you can effortlessly choose the ‘Close’ option and close the savings pot. Your money will be credited back to your FriMi account.
No. You can only withdraw money into the FriMi account and then make your transactions.
Round-up saving lets your spare change grow every time you spend via FriMi app or your FriMi debit card. Each transaction is rounded up, and the saved amounts are automatically transferred to your Round Up Savings account.
You can select to round up your spare change to the nearest LKR 50, 100, or 500.
No, you can only have one Round up saving account at a given time. However, you can change the round-up amounts whenever you want.
You now can save effortlessly 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, wedding, vacation, or any other future payment or plan you may have.
Simply enter the target amount you need to save up, the target date to finish saving, the monthly installment date, and the initial deposit of LKR 500.
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 by JustPay on the specific installment date. You don’t have to do a thing.
Yes. Standard savings account interest will be calculated daily for the amount you have in your Bucket List account and credited monthly. Check out the table above and see the available interest rates.
Yes. The minimum target amount is LKR 10,000 to open a Bucket List account.
A minimum of LKR 500 should be added as the initial deposit and it should be below 50% of the target amount.
Yes, you can open multiple Bucket List accounts.
At the maturity of the Bucket List account, the account will be closed automatically, and funds will be transferred to the FriMi account
If there are insufficient funds in the source account for the installment amount on the installment date, the installment amount will be recovered once sufficient funds are credited to the source account.
The Personal Finance Management (PFM) feature is a unique in-built budgeting tool where you can set up a spending budget and effortlessly track spending habits across FriMi and linked accounts. Categorize transactions—such as groceries, transport, or food—for better budgeting and goal-reaching. Go to the menu section & select ‘PFM’ to get started!
It’s a unique feature offered by FriMi where you can send money to any other FriMian by using just their mobile number & the best part is that money is sent instantly to the recipient.
If you send money to a non FriMi user, the money will still go to the recipient as a FriMi Cash Token as an SMS.
If the wrong number is not on FriMi it will be converted to a FriMi token & sent via SMS to the recipient. If by chance, the wrong number happens to be a FriMi account, the money will be instantly transferred to that account. Just a friendly reminder to double-check the number you're sending money to.
It’s a 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.
A token recipient can visit any Nations Trust ATM island wide & withdraw the money.
Yes, if the recipient does not withdraw token in 7 days, it will be expired & the sender will get back the money.
If the wrong number is on FriMi it will convert as ‘Send Money’ & will be sent instantly to their FriMi account. If the wrong number is not on FriMi or is invalid the money will come back in 7 days. Just a friendly reminder to double-check the number you're sending cash tokens to.
After making a purchase, you can instantly split the bill with your FriMi friends, whether it's an equal or unequal split. The bill split feature helps you keep tabs on all your splits & manage shared expenses effortlessly.
Yes, you can request for a FriMi physical or virtual Mastercard debit card. All you have to do is send a request via your FriMi app. Here’s how - login to FriMi App > go to the menu (Bottom center of the screen) > click on ‘Manage Card’ > select ’Request Card’ > Complete debit card request.
Alternatively, you can tap on the “Portfolio” section & request a FriMi debit card.
The Virtual Debit Card can be used for online transactions such as e-commerce purchases, online subscriptions, ride hailing apps & many more.
Yes, and it can be changed in the portfolio section
If you have an NTB Amex card, it will be automatically added to the app.
Yes, you can select your AMEX card when doing payments via FriMi app under ‘billers’ category.
No, there is no additional charge for doing biller payments using AMEX card via your FriMi app.
NFC payments are only compatible with Android & Huawei devices.
Nope, can't do that.
You can effortlessly submit requests such as balance confirmations, address change, mobile number changes, etc. in-app through the service request section.
For iOS devices, it’s approximately 118.8 mb & for Android devices, it’s approximately 44 mb.
No, due to security requirements, the app will not be compatible on such devices.