How to Send Money from bKash to Nagad (NPSB)

Why it was impossible — and what changed

For years, money in one wallet was stuck in that wallet. You could send bKash to bKash and Nagad to Nagad, but never from one to the other. If a shopkeeper only took Nagad, a bKash user first had to cash out — paying the cash out charge — and then pay again in cash. A few people worked around it with Binimoy, but it was complicated, and most people simply did not use it.

That changed on 1 November 2025, when Bangladesh Bank launched interoperable fund transfers through the NPSB network — the same network banks use to move money between each other. Now MFS-to-MFS transfers (bKash to Nagad, Nagad to bKash, Rocket and Upay) and MFS-to-bank transfers are possible. bKash was not ready on day one: it asked Bangladesh Bank for time until 31 January 2026, and at first it could only receive money. Sending from bKash works now in 2026. Some older articles still say bKash-to-Nagad is impossible or "not launched yet" — they are outdated; the feature is live today.

How to send money from bKash to Nagad

You send the money from the bKash app. The transfer takes a few minutes the first time, because you have to add the Nagad number as a beneficiary; after that it is a one-minute job.

1. Open the bKash app and select "NPSB".
2. Select "MFS" — this is the option for another wallet. (Select "Bank" if you want to send to a bank account instead.)
3. Add the Nagad number as a beneficiary the first time: choose Nagad, enter the Nagad mobile number and a name you will recognise. The app may ask for face verification — follow the on-screen steps.
4. On later transfers, select the Nagad number from your saved beneficiaries.
5. Enter the amount. The app shows the charge — 0.85% — before you confirm, so check it.
6. Tap and hold, then enter your bKash PIN to complete the transfer. The money is sent instantly, at any hour.

Only the sender pays the charge — the person receiving the money in Nagad pays nothing. The service is available 24 hours a day, seven days a week. After a successful transfer, save the TrxID from the confirmation message; it is what you will need if anything goes wrong.

The fee and worked examples

The charge for an NPSB transfer is 0.85% of the amount — ৳8.50 for every ৳1,000. It is the same whether you send to Nagad, Rocket, Upay or a bank account. The app shows the exact charge before you confirm, and only the sender pays it.

For comparison, cashing out ৳10,000 from an ordinary bKash agent costs ৳185 — more than double the ৳85 NPSB fee. That is why sending directly to a Nagad number usually beats cashing out first: one fee, and no trip to an agent.

If you are sending a large amount, the app will show the limit that applies to your account before you confirm — limits vary by account type, so check the app rather than guessing.

The other direction, and other wallets

Sending from Nagad to bKash works the same way: open the Nagad app, use its NPSB option, add the bKash number as a beneficiary and confirm. The charge is the same 0.85%, and the receiver pays nothing.

The same route reaches the other wallets too. From bKash, add a Rocket or Upay number as the beneficiary in the NPSB flow, and the money arrives in that wallet the same way. To send money to a bank account instead, choose "Bank" in the app, pick the bank, and add the account as a beneficiary — the 0.85% charge still applies.

If something goes wrong

• The NPSB option is not showing. Update the bKash app to the latest version — the feature needs the current app. If it still does not appear, log out of the app and log back in again.
• Face verification fails. Try again in bright, even light, take off your glasses or sunglasses, and hold the phone steady so your face matches the photo on your NID. If it still fails, visit a bKash service point with your NID.
• Money was deducted but not received. Check the statement in both apps first — an NPSB transfer usually settles instantly, but a delayed one can take a short while. Keep the TrxID from the bKash confirmation message and call bKash at 16247 for help. Do not send the money a second time until the first transfer has been traced.
• You sent to the wrong number. Check the beneficiary name and number before you hold to confirm — after a transfer is sent, it cannot be reversed from the app.

Frequently asked questions

Is it really possible to send money from bKash to Nagad?

Yes. Since 1 November 2025, NPSB has let you move money between wallets, and sending from bKash works now in 2026. Some older articles still say it is impossible — they are outdated.

How much does it cost?

0.85% of the amount — ৳8.50 per ৳1,000. Only the sender pays; the receiver pays nothing, and the app shows the exact charge before you confirm.

Can I send money at night?

Yes. NPSB transfers are available 24 hours a day, seven days a week — weekends and holidays included.

Is there a limit on how much I can send?

Limits vary by account type, and the app shows the limit that applies to you before you confirm. Check the app rather than relying on a number quoted elsewhere.

Can I send from Nagad to bKash, or to Rocket and Upay?

Yes. The same NPSB route works in every direction between bKash, Nagad, Rocket and Upay, and also to a bank account — always at the same 0.85% charge.

A transfer that used to need a cash out, a cash payment and a trip to an agent now takes a minute inside the app. Check the charge on screen, save the TrxID, and always double-check the number before you hold to confirm.