Here’s a clear, step-by-step guide to opening a digital bank account in Sri Lanka (what to expect, common document requirements, timeframe, and useful tips). I’ve cited official bank pages and news about digital onboarding for the most important points.

1. Choose a bank and account type

• Major Sri Lankan banks that offer fully digital / self‑onboarding accounts include Commercial Bank (Flash), HNB (Self‑Onboarding) and other commercial banks (check the bank’s website/app for the specific “digital account”, “flash”, or “self‑onboarding” product). (combank.lk)

2. Download the bank’s official mobile app or open its online onboarding portal

• Start the application in the bank’s official app (Apple App Store / Google Play / Huawei AppGallery) or the bank’s online onboarding page. Only use official channels to avoid scams. (combank.lk)

3. Prepare required documents and information (typical)

• For Sri Lankan residents: National Identity Card (NIC) is most commonly required; driving licence or passport may also be accepted. Proof of address may be requested if your address differs from the NIC. (combank.lk)
• For non‑residents / foreigners: valid passport — some banks provide onboarding options for Sri Lankans living abroad or certain foreigners but rules vary by bank. Check the bank’s foreign/NRI onboarding policy. (hnb.net)
• Tax ID (TIN) or taxpayer details: banks may ask for TIN or a tax declaration during onboarding — check current bank guidance for TIN requirements. (brandradar.org)
• Contact details: mobile number (for OTP), email address, and basic personal details (full name, DOB, address, occupation).

4. Complete e‑KYC / identity verification

• Most banks use digital KYC: upload ID, take a selfie or live video, and/or complete a scheduled live video call with a bank officer (video KYC) or automated face‑match. This is usually done inside the app. Commercial Bank’s Flash and HNB’s Self‑Onboarding specifically use video/e‑KYC. (combank.lk)

5. Initial funding and activation

• Some digital accounts require a small initial deposit or a top‑up from another bank account to fully activate debit features. After KYC is approved the account is activated and you can use mobile banking, virtual/physical debit cards, transfers, etc. Activation times vary from minutes to up to 24–48 hours depending on the bank and completeness of documents. (combank.lk)

6. Typical timeline

• If documents are complete and e‑KYC goes smoothly: minutes to 24 hours for many banks. If further verification is needed, it can take longer. HNB advertises completion within 24 working hours for self‑onboarding. (hnb.net)

7. Fees, limits and card delivery

• Many digital accounts offer a virtual debit card instantly and a physical card may be mailed. Check each bank’s pricing (monthly fees, card fees, minimum balance) — details vary by product and may change. (combank.lk)

8. Special notes for foreigners / non‑residents

• Policies differ: some banks support Sri Lankans abroad and certain foreign nationals, but document requirements and whether you can open an account remotely vary. If you are outside Sri Lanka, check the bank’s “NRI / overseas” onboarding page or contact support. (hnb.net)

9. Security & practical tips

• Only download the bank’s official app from the store links on the bank website.
• Make sure your phone camera and internet connection are good for selfie/video KYC.
• Have clear photos (not cropped) of your ID and any address proof ready.
• Keep your mobile number active during onboarding (OTP) and be ready for a possible video call.
• Check fees, transaction limits, and whether the account supports foreign currency/FX transfers if you need that.

Quick example checklist to have ready before you start (most common):

• NIC (or passport); for foreigners: passport
• Clear selfie (camera ready) for face‑match/video KYC
• Mobile number (for OTP) and email
• Proof of address (utility bill) if required
• TIN or tax details (if asked)

If you want, I can:

• Look up the exact online account application pages, current TIN requirement details, and fee/limit info for 2–3 specific Sri Lankan banks (ComBank, HNB, Sampath, Seylan, etc.) and summarize the differences — I’ll pull the most recent pages and cite them.

Sources (examples of bank pages and announcements used above): Commercial Bank Flash account and procedures, HNB Self‑Onboarding announcement, Seylan online account info and other bank pages/news about digital KYC. (combank.lk)