How to Get a Digital Loan in bKash

Who can get the loan

The loan is not open to everyone. City Bank decides who is eligible using an automatic check of your bKash account: your e-KYC information, how regularly you use bKash, and whether you have repaid past loans on time. Only a limited group of customers can see the Loan option in the app.

To improve your chances, complete your e-KYC with your NID through the app, keep your account information up to date, and use bKash regularly — for Make Payment, Mobile Recharge, Pay Bill and Savings — while keeping a balance in your account.

• You must have completed biometric e-KYC with your NID in the bKash app.
• No bank account, collateral or paper documents are needed.
• A history of late repayment can lower your limit or remove your eligibility.

Loan amount and interest

You can borrow from ৳500 to ৳50,000. Your personal limit is set by the bank based on your bKash usage, and the app shows your approved limit before you apply. Repayment is usually over 3 to 6 months in equal monthly instalments.

The interest rate is not the same for everyone. The bank sets your rate, and the app shows it — along with the interest amount, processing fee and total repayment — before you confirm. A processing fee of 0.575% of the loan amount applies. Interest is calculated daily, so repaying early costs you less.

• In mid-2026, City Bank said it charges 17% to 19% a year for these loans, but the rate varies by customer — always go by the figure shown in your app.
• Check the total repayment on the confirmation screen before you accept — never borrow without seeing the full cost.
• There is no extra charge for repaying the loan early.

How to apply in the app

If you are eligible, applying takes a few minutes and the money is usually in your bKash account almost instantly. You do not need to visit a bank branch or fill in paper forms.

• Open the bKash app and tap the Loan icon.
• Enter the amount you want to borrow, within your approved limit.
• Read the terms — the interest rate, fee, tenure and instalment amount — then accept them.
• Confirm with your bKash PIN. The money is disbursed to your bKash account instantly.

If you do not see the Loan option, your account is not eligible yet. Update your information with your NID and keep using bKash regularly — eligibility is reviewed over time.

Repaying and becoming eligible

Each instalment is automatically deducted from your bKash balance on its due date, so keep enough money in your account before that date. You can also repay the whole loan early or pay part of it from Loan Details in the app, and there is no extra charge for early repayment.

Missing a due date costs you. Interest keeps adding up daily, and the bank can charge a late penalty of 0.50% a year on the overdue amount. A late repayment can also lower your loan limit or remove your eligibility for future loans, and the bank may report defaulters to Bangladesh Bank.

bKash also offers Pay Later for paying at merchant points. If you repay within 7 days, you pay no interest; otherwise you can split the payment into monthly instalments over up to 6 months.

• Borrow only what you need and can repay on time.
• Keep enough balance in your bKash account before each due date so the automatic deduction does not fail.
• Never share your PIN or OTP with anyone — not even with someone claiming to be from bKash or the bank. No real agent will ever ask for them.