FriMi review
Updated October 12, 2026 · VaultCue Editorial Team
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Our verdict
For Sri Lankans who want phone based everyday banking, FriMi offers a digital bank account inside a lifestyle app with savings pots, budgeting tools and physical plus virtual debit cards. It works for people happy to top up, pay bills and move money without visiting a branch.
Key facts
- Best for
- Supports app based everyday banking with automated savings tools
- Monthly fee
- LKR 0↗
- Transfer fee
- LKR 25 per transfer to another bank's account; send money to another FriMi user by mobile number is free↗
- Legal entity
- Nations Trust Bank PLC↗
- Headquarters
- Sri Lanka↗
- Founded
- 2016↗
- Support channels
- Phone, Chat, Help-centre, Community↗
- Audience
- Expats
- Pricing model
- No monthly fee
- Features
- Free ATM withdrawals, Digital-only
- Official website
- frimi.lk
Savings
Money transfer
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInXappgallery.huawei.com
Pros and cons
Pros
- Savings pots with round up options help set money aside for goals
- Physical plus virtual debit cards support cash withdrawals and online shopping
- Cash tokens allow transfers to a mobile number for ATM collection
- Budgeting tool tracks monthly spending inside the same lifestyle app
Cons
- Digital only service needs a smartphone and app verification to start
- Use centres on one island wide ATM network and local QR payments
Ready to try FriMi?
Who it suits
- People managing everyday banking through a smartphone
- Savers seeking round up and goal based tools
Who should look elsewhere
- People preferring in person branch service
How FriMi compares
Where FriMi is available
- Available
- Sri Lanka
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Who can open a FriMi account?+
People who want a digital bank account can start by downloading the app on a supported phone and following the onboarding steps inside. Verification is completed through a hotline call before the account becomes active for banking, saving and paying.
Where can FriMi be used?+
FriMi serves daily banking in Sri Lanka with island wide cash access and QR payments at restaurants, supermarkets and expressways. Its cards also support spending outside the country for travel and online shopping needs. Budgeting and savings tools sit inside the same app.
How does the app help with saving?+
The app includes a savings pot for setting aside money for regular expenses alongside automated goal saving. Round up options and bucket list saving help build balances gradually while personal finance tools track monthly budgets and spending.
What does FriMi offer for everyday spending and moving money?+
FriMi provides physical debit cards delivered to the door for cash withdrawals and virtual cards for online shopping inside the app. Money can be sent to other users through a mobile number and collected through cash tokens using a code and one time passcode at ATMs. Bill payments and reloads are also handled centrally.
Does FriMi charge a monthly fee?+
The monthly fee at FriMi is LKR 0. (Source, checked September 26, 2026)
Which company operates FriMi?+
FriMi is operated by Nations Trust Bank PLC. (Source, checked September 26, 2026)
Where is FriMi based?+
FriMi is based in Sri Lanka. (Source, checked September 26, 2026)
When was FriMi founded?+
FriMi was founded in 2016. (Source, checked September 26, 2026)
How can I contact FriMi support?+
FriMi offers support through Phone, Chat, Help-centre, Community. (Source, checked September 26, 2026)
Sources
- frimi.lk checked September 26, 2026
Backs: Headquarters
“Drop by and meet the FriMi Fam FriMi, 242, Union Place, Colombo 2”
- frimi.lk/about-us checked September 26, 2026
Backs: Founded
“FriMi started in 2016 as an innovative digital initiative of the corporate management team of the Nations Trust Bank”
- frimi.lk/faqs checked September 26, 2026
Backs: Access terms, Account kind, Delivery time, Features, Headline rate, Legal entity, Pricing model, Payout methods, Support channels, Transfer fee, Fee to send 1,000
“it's also just a click away giving you immediate access to your cash whenever-wherever & complete financial independence 24/7”
- frimi.lk/kfd checked September 26, 2026
Backs: Audience, Minimum deposit, Monthly fee, Rate type
“Sri Lankans who are Non-residents working abroad with a valid work visa”
Compiled from 4 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee, Currencies.
Related by the facts
FriMi
Supports app based everyday banking with automated savings tools