Sri Lanka Online Bank Transfer Limit Checker

Sri Lanka's interbank payments run on four rails, each with a per-transaction ceiling set by LankaClear (LankaPay) and the Central Bank of Sri Lanka (CBSL). This checker is a deterministic rule engine over those published caps — it does not use live rates or per-bank data. It reads four things: the amount, how you're sending it, the speed you need, and whether the money is going to the same or a different bank.

• JustPay — the rail behind mobile-wallet and LankaQR payments — carries up to Rs 150,000 per transaction (CBSL Circular No. 01 of 2026), in real time.
• CEFTS — real-time interbank transfers from online and mobile banking — carries up to Rs 5,000,000 per transaction (CBSL Circular No. 02 of 2025), 24×7, with the online fee capped at Rs 25.
• SLIPS — the batch cousin of CEFTS — carries the same Rs 5,000,000 but settles same or next business day at a lower fee.
• RTGS (LankaSettle) — for high-value transfers of Rs 5,000,000 and above — has no upper limit and settles the same business day, but is initiated at a branch.

The decision logic is simple and testable. A same-bank transfer is an internal book transfer, so the scheme caps don't apply. For a different bank: a wallet payment fits JustPay if it's at or below Rs 150,000; an online-banking transfer fits CEFTS if it's at or below Rs 5,000,000, and SLIPS is offered as the cheaper option when you don't need it instantly. Once the amount crosses Rs 5,000,000, it is at or above the Rs 5,000,000 RTGS threshold, so the tool routes you to RTGS or offers a split.

The split is exact: for an amount A over the CEFTS cap, the number of legs is n = ceil(A ÷ Rs 5,000,000) — the first n − 1 legs of Rs 5,000,000 plus a final leg carrying the remainder. Every split is cross-checked so the legs sum back to the original amount to the rupee. Remember: these are the scheme ceilings. Your own bank may impose a lower per-transaction or daily limit inside its app — never a higher one.

• CBSL — Circular No. 02 of 2025: Maximum Limits on Transaction Values and Fees of CEFTS
• CBSL — Circular No. 01 of 2026: Maximum per transaction limit and fees for JustPay
• CBSL — Payments & Settlements Systems (RTGS / LankaSettle)
• LankaClear (LankaPay) — CEFTS real-time fund transfer

Scheme caps and fee ceilings were last cross-checked against the CBSL circulars and LankaClear rules on 2026-07-12. This page is reviewed whenever CBSL revises a per-transaction limit or fee ceiling. For a detailed bank-by-bank fee estimate, see the bank transfer fee calculator.