The 60-second version
Sri Lankan bank exit needs NOC from bank, LKR SWIFT to NRE, and written closure before permit lapse blocks outbound wire.
Wire LKR before visa cancel — some branches freeze outbound SWIFT on permit lapse
Commercial Bank / HNB serve South Asia expats — obtain account closure NOC after final salary and utility debits stop.
LKR repatriation to NRE needs Indian AD bank Form A2; retain SWIFT copy for Schedule FA.
Tax lane: Sri Lankan tax guide for residency exit.
Sri Lankan bank wind-down
| Bank | Currency | Document |
|---|---|---|
| Commercial Bank | LKR | Written closure |
| HNB | LKR | Zero balance NOC |
| NRE | INR/USD | SWIFT FIRC |
| Schedule FA | Last FY | Foreign account |
Closure
Depot zero
Close brokerage if linked.
Stop debits
Cancel SI and cards.
LKR SWIFT
Wire to NRE.
NOC letter
Bank closure cert.
Schedule FA
Last FY disclosure.
Flow
Sri Lankan bank kit
- Passport copy.
- Account stmt.
- Closure NOC.
- SWIFT copy.
- Permit cancel proof.
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Permit timing
Complete outbound wire before work permit cancellation if branch links SWIFT to active visa.
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FBAR?
US person — FinCEN 114 if aggregate > USD 10K.
Brokerage first?
Close linked depot before bank if custody account exists.
Schedule FA?
Declare account in last FY you held foreign bank balance.
DTAA?
Form 67 for foreign tax credit on interest withholding.
NRE vs NRO?
Inbound repatriation typically credits NRE for eligible remittance.
Retention?
Keep closure NOC and SWIFT 7 years Indian + 10 years US/UK if applicable.
Your NRE account redesignation has a deadline.
Banks don't remind you. You need the right account stack before salary, rent, and EMIs start moving. Get the exact sequence.