MFS Transaction Limits in Bangladesh

The limits at a glance

The table below shows the daily and monthly totals for the four wallets. Bigger numbers do not always mean the better wallet — charges still matter.

Cells marked with a star show the Bangladesh Bank ceiling for personal accounts. Rocket and Upay have not published their own per-transaction caps for cash in, so the ceiling is shown here — check the app for its own caps before a large deposit.

How limits work

Three limits apply to every transaction. The per-transaction limit is the most you can move in one go. The daily limit is the total for one day, and the monthly limit is the total for the calendar month. Send ৳50,000 once in the morning and your daily send money allowance is used up — even a ৳100 transfer after that will fail.

Daily limits reset at midnight, monthly limits on the 1st of the month. Limits are shared across channels: agent and ATM cash out count against one daily total — withdraw ৳20,000 from an ATM and only ৳10,000 more is left from an agent that day.

• Count limits apply too — bKash allows 100 cash in transactions a day and 250 a month, and Nagad allows 15 cash out transactions a day and 150 a month.

Per-wallet details

Same table, different details: here are the per-transaction caps for a personal account.

bKash. Cash in: ৳50,000 a day, ৳300,000 a month; ৳200–৳50,000 per transaction, up to 100 a day. Cash out: ৳30,000 a day, ৳200,000 a month; ৳200–৳30,000 per transaction at an agent, ৳3,000–৳20,000 at BRAC Bank and Q-Cash ATMs, ৳3,000–৳10,000 at City Bank ATMs. Send money: ৳50,000 a day, ৳300,000 a month; ৳10–৳50,000 per transfer, up to 100 a day and 250 a month. Maximum balance ৳500,000.

Nagad. Cash in: ৳50,000 a day, ৳300,000 a month; ৳50–৳50,000 per deposit. Cash out: ৳30,000 a day, ৳200,000 a month; ৳50–৳30,000 per withdrawal, up to 15 a day and 150 a month. Send money: ৳50,000 a day, ৳300,000 a month; ৳10–৳50,000 per transfer. Maximum balance ৳500,000.

Rocket. Cash out: ৳25,000 a day, ৳150,000 a month; ৳20–৳25,000 per transaction. Send money: ৳25,000 a day, ৳75,000 a month; ৳10–৳25,000 per transfer — the only wallet of the four with a monthly send money cap below ৳300,000. Cash in and the maximum balance follow the Bangladesh Bank ceilings (৳50,000 a day, ৳300,000 a month; ৳500,000 balance). Check the Rocket app for its own per-transaction caps.

Upay. Cash out: ৳30,000 a day, ৳200,000 a month; ৳50–৳30,000 per transaction. Send money: ৳50,000 a day, ৳300,000 a month; ৳10–৳25,000 per transfer. Cash in and the maximum balance follow the Bangladesh Bank ceilings (৳50,000 a day, ৳300,000 a month; ৳500,000 balance). Check the Upay app for its own per-transaction caps.

The March 2025 change

Bangladesh Bank raised these limits in March 2025. Before that, cash out was capped at ৳25,000 a day and ৳150,000 a month, send money at ৳25,000 a day, and the maximum balance at ৳300,000. The new ceilings have been in force for more than a year.

Many ranking pages never updated. If a calculator or blog still shows the old numbers, it is just out of date — not wrong about the wallet. That is why Rocket's ৳25,000 daily cash out limit looks low today: it matches the old ceiling, not the new one.

What to do when you hit a limit

A failed transaction costs nothing, because the wallet blocks it before any money moves. To move ৳100,000 with a ৳50,000 daily send money limit, send ৳50,000 today and the rest tomorrow, or split the payment across two wallets if your recipient has one. If the amount is urgent, send it to a bank account first — a bank transfer has its own separate limit.

• Check how much of your limit is left in the app before a large transfer, so it does not fail at the last step.

Tips

A few habits keep your transactions moving.

• Check the remaining limit in the app before a large transfer.
• Plan big payments across the month — a ৳300,000 cap is reached fast.
• Keep the balance below ৳500,000 before a big payment arrives.
• Splitting one payment into many small transfers does not help — the daily total is what counts.