Nagad Send Money Charges and Free Limits

Current send money charges

Nagad charges a small flat fee per send money transaction, not a percentage of the amount. Many transfers made from the app fall inside a free allowance, while transfers made by dialing *167# are more likely to carry a fee.

Before you enter your PIN, the confirmation screen shows the fee for that transfer, so you always know the exact cost first.

• The fee is charged separately; the receiver gets the full amount you typed.
• Nagad changes its offers from time to time, so a transfer that was free last month may not be free now.

Free send money limit

Nagad lets app users send a set amount each month without a fee. Once you go past that allowance, the normal charge applies to each further transfer until the next month starts.

• Send from the app instead of *167# whenever you can.
• Send one larger amount instead of several small ones to use your allowance well.
• Check the offers section of the app to see how much of your free amount is left.

App vs *167#

The Nagad app is usually the cheaper choice for sending money, and it also shows the receiver name before you confirm, which helps you avoid sending to the wrong number.

Dialing *167# works on any phone without internet, so it is useful when you have no data or are using a button phone. Expect to pay a little more for that convenience.

• Use the app for regular transfers to family.
• Keep *167# as a backup when the app or internet is not available.

Send money limits

Nagad sets daily and monthly caps on how much and how many times you can send money. These limits follow Bangladesh Bank rules and can change, so check them in the app or by dialing *167# before a large transfer.

• If a transfer goes over your limit, it is stopped and the money stays in your account.
• Always check the receiver number and name; sent money cannot be reversed by yourself.

Worked examples: what you pay

The fee does not grow with the amount — Nagad charges a small flat fee per transfer, so sending ৳25,000 costs the same fee as sending ৳100 once a fee applies. What changes the price is the channel you use and whether your monthly free allowance is still left. The four examples below show how that works.

The exact fee for your transfer is shown on the confirmation screen before you enter your PIN, so check it there — and remember the receiver gets the full amount, because the fee is charged separately from your balance.

Before you confirm: a quick check

The confirmation screen is your last chance to catch a mistake, and it costs nothing to read it slowly. Check these four things every time before you enter your PIN.

• The receiver's name — the app shows it before you confirm. If the name is not the person you meant to pay, stop and check the number again.
• The amount — make sure the number on screen is the amount you actually want to send.
• The fee — the screen shows whether this transfer is free or carries the standard flat fee, so there is no surprise after you confirm.
• Your free allowance — if you still have free allowance left this month, the offers section of the app shows how much is left.

If something goes wrong

Most send money transfers go through in a minute, but when one does not, the first thing to do is stay calm and keep the transaction ID — you will need it for every helpline call that follows.

I sent money to the wrong number

You cannot reverse a sent transfer yourself, so act fast. Save the transaction ID (TrxID) from the app, then call the Nagad helpline, 16167, at once and explain what happened. If the receiver will not return the money, file a general diary (GD) at your local police station with the TrxID, the date, the amount and the number.

The money was deducted but the transfer failed

Check your balance and your transaction history in the app first, so you can see whether the transfer went through. If it did not, and the money has not come back to your balance, call 16167 with the transaction ID and the time of the transfer.

My transfer was stopped — the limit was reached

Nagad stops any transfer that goes over your daily or monthly cap, and the money stays in your account — it is not lost. Check your limit in the app or by dialing *167#, then send the rest once the cap resets: the next day for a daily cap, or the next month for a monthly cap.

Frequently asked questions

Is sending money with Nagad free?

Transfers from the app are free while your monthly free allowance lasts. Once it runs out, a small flat fee applies to each transfer, and transfers made by dialing *167# are more likely to carry a fee. The confirmation screen always shows the fee before you enter your PIN.

How much is the fee?

Nagad charges a small flat fee per transfer, not a percentage, so the fee does not grow when you send a bigger amount. Nagad changes its offers from time to time, so the exact fee for your transfer is the one shown on the confirmation screen — check it there before you confirm.

Does the receiver get the full amount?

Yes. The fee is charged separately from your balance, so the receiver gets the full amount you typed — the fee never comes out of what they receive.

What if I sent money to the wrong number?

You cannot undo it yourself. Save the transaction ID, call the Nagad helpline 16167 at once, and if the receiver will not return the money, file a GD at your local police station with the TrxID, the date, the amount and the number.

Can I send money without the internet?

Yes. Dial *167# from any phone — it works without data, which is useful on a button phone or when your data runs out. Expect it to cost a little more than sending from the app, and check the fee on the confirmation screen first.

Send money is cheapest when you use the app, stay inside the free allowance, and read the confirmation screen before you confirm. Save the TrxID for every transfer — it costs nothing and it is the one thing the helpline will ask for if anything goes wrong.