Special Deposit Accounts can be opened as fixed deposits with Licensed Commercial Banks and National Savings Bank of Sri Lanka, by any Sri Lankan individual resident in or outside Sri Lanka, dual citizens, citizens of other states with Sri Lankan origin, non-nationals resident in or outside Sri Lanka, funds, corporate bodies, and associations incorporated/registered outside Sri Lanka and any other persons as permitted by Foreign Exchange Regulations. Banks offer SDAs attractive interest rates with additional 2 percentage points over normal foreign currency fixed deposits.