How to Cash Out from bKash Using an ATM

Which ATMs support bKash

bKash ATM cash out works at three ATM networks across Bangladesh. You do not need a bank account with any of them, and you do not need an ATM card — the withdrawal is authorised by a one-time security code from your own bKash account.

• BRAC Bank — look for the "bKash Cash Out" button on the ATM screen.
• The City Bank — cash out works at City Bank ATMs the same way.
• Q-Cash partner banks — the Q-Cash network covers ATMs of many other banks, so check for the bKash Cash Out option on the screen before you start.

Step-by-step guide

First, get a one-time security code from your bKash account. Dial *247# or open the bKash app, choose Cash Out, then From ATM, and enter your bKash PIN. bKash will send a security code by SMS to your registered mobile number. The code works only once and stays valid for 5 minutes, so get it only when you are at the ATM.

Once you have the code, follow these steps at the ATM:

• Tap "bKash Cash Out" on the ATM screen and choose your language.
• Enter your bKash account number — the mobile number your bKash account is registered with.
• Enter the amount you want to withdraw.
• Enter the security code from the SMS, check the amount on screen, and confirm. The ATM will dispense your cash.

No ATM card is needed at any point — the security code replaces the card and the card PIN.

ATM cash out charge

Cash out from an ATM costs ৳14.90 per ৳1,000 — that is 1.49%, VAT included. On ৳10,000 you pay ৳149, and on ৳20,000 you pay ৳298.

Compared with the other ways to cash out, the ATM sits in the middle. A Priyo Agent is cheaper at ৳13.95 per ৳1,000, but only at your two nominated agents and only up to ৳50,000 a month. An ordinary agent costs ৳18.50 per ৳1,000. So if your Priyo Agent limit is used up, or no agent is nearby, the ATM is the cheaper option.

• The charge is shown in the app before you confirm — check the final amount there, as charges can change.
• If the money in your account arrived as international remittance, ATM cash out can cost even less — ৳7 per ৳1,000. Check in the app whether this applies to you.

Tips before you go

A little preparation makes the ATM visit smooth. Most problems come from the code expiring, the amount being outside the limit, or a busy ATM running out of cash.

• Generate the security code only after you reach the ATM — it expires in 5 minutes.
• Check your balance first and keep enough in the account to cover the amount plus the charge.
• ATM cash out has a per-transaction limit: ৳3,000 to ৳10,000 at City Bank ATMs, and ৳3,000 to ৳20,000 at BRAC Bank and other Q-Cash ATMs.
• Never share your bKash PIN or the security code with anyone, including the person next to you at the ATM. bKash never asks for your PIN over the phone.
• Count the cash before you leave, and if the ATM does not dispense the money but the amount is deducted, call the bKash helpline at 16247.

Which is cheapest on ৳10,000

On ৳10,000, an ordinary agent charges ৳185, an ATM charges ৳149, and a Priyo Agent charges ৳139.50. Buy the ৳10,000 Cash Out Bundle and use the whole amount, and the cost is ৳135. If the money arrived as international remittance, the ATM costs only ৳70 — check in the app whether that applies to you.

The ATM wins when your Priyo Agent limit of ৳50,000 a month is used up, or when no Priyo Agent is nearby. The bundle wins if you cash out ৳10,000 or more in a month and use the full bundle before its 30 days end — a half-used bundle can cost more than the ATM. Remember the ATM limits too: ৳3,000 to ৳10,000 per transaction at a City Bank ATM, and ৳3,000 to ৳20,000 at BRAC Bank and other Q-Cash ATMs, so ৳10,000 fits in one trip at any of them.

If something goes wrong

Most ATM problems can be fixed on the spot, but if money is deducted, stay calm and keep the details of the transaction.

• The ATM did not give you cash, but the money was deducted — first check your balance in the app to see if it really left your account. If it did, note the time, the ATM location and the amount, and call the bKash helpline at 16247.
• The security code expired — the code stays valid for only 5 minutes and works only once. If it has expired, get a new code from the app or *247#.
• The ATM has no cash — try another ATM in the network, or go to a nearby agent. A busy ATM running out of cash is normal.
• The amount is outside the limit — you must withdraw at least ৳3,000 in one transaction. The maximum is ৳10,000 at a City Bank ATM and ৳20,000 at BRAC Bank and other Q-Cash ATMs. To take out more, withdraw in two trips, getting a new code each time.

Common questions

• Do I need an ATM card to cash out bKash? No. The one-time security code from the app or *247# replaces the card and the card PIN.
• Which ATMs accept bKash cash out? BRAC Bank, City Bank and Q-Cash partner bank ATMs. Check for the "bKash Cash Out" option on the screen before you start.
• How long does the security code last? Only 5 minutes, and it works only once. Get the code after you reach the ATM.
• What is the minimum and maximum I can take out? At least ৳3,000. The maximum per transaction is ৳10,000 at a City Bank ATM and ৳20,000 at BRAC Bank and other Q-Cash ATMs.
• Is the ATM cheaper than a Priyo Agent or a bundle? No. On ৳10,000 the ATM costs ৳149, a Priyo Agent costs ৳139.50, and the ৳10,000 bundle costs ৳135. The ATM is the cheapest option only when your Priyo limit is used up or no Priyo Agent is nearby — and it is still cheaper than the ৳185 an ordinary agent charges.