Which MFS Has the Lowest Cash Out Rate in Bangladesh?
Short answer: if you have the card, Upay at a UCB ATM (৳8 per ৳1,000) or Rocket at a Dutch-Bangla ATM (৳9) is cheapest. If you cash out at an agent, the bKash Cash Out Bundle (from ৳12.50), the Nagad app (৳12.99) and bKash Priyo Agent (৳13.95) charge the least.
Compare with your own amount
Every rate, lowest first
Every cash out method across the four wallets. All figures include VAT.
| Wallet | Method | Per ৳1,000 | ৳5,000 | ৳10,000 |
|---|---|---|---|---|
| Upay | UCB ATM | ৳8.00 | ৳40.00 | ৳80.00 |
| Rocket | Dutch-Bangla Bank ATM | ৳9.00 | ৳45.00 | ৳90.00 |
| Nagad | Nagad app | ৳12.99 | ৳64.95 | ৳129.90 |
| bKash | Priyo Agent (up to ৳50,000/month) | ৳13.95 | ৳69.75 | ৳139.50 |
| Upay | Agent (App or *268#) | ৳14.00 | ৳70.00 | ৳140.00 |
| bKash | ATM (BRAC, City, Q-Cash) | ৳14.90 | ৳74.50 | ৳149.00 |
| Nagad | *167# (button phone) | ৳15.00 | ৳75.00 | ৳150.00 |
| Rocket | Agent (App or *322#) | ৳16.70 | ৳83.50 | ৳167.00 |
| bKash | Any agent (App or *247#) | ৳18.50 | ৳92.50 | ৳185.00 |
bKash agent and Priyo rates come from bKash’s official list; the others come from published reports.
Worked examples: what you need in your account
A rate per ৳1,000 only tells half the story. The charge comes out of your balance on top of the cash you receive, so to take ৳5,000 in hand you need more than ৳5,000 in your account. Here is what every method costs on ৳5,000 and ৳10,000, and the balance you need for each.
| Wallet | Method | ৳5,000 charge | Balance needed | ৳10,000 charge | Balance needed |
|---|---|---|---|---|---|
| Upay | UCB ATM | ৳40.00 | ৳5,040.00 | ৳80.00 | ৳10,080.00 |
| Rocket | Dutch-Bangla Bank ATM | ৳45.00 | ৳5,045.00 | ৳90.00 | ৳10,090.00 |
| Nagad | Nagad app | ৳64.95 | ৳5,064.95 | ৳129.90 | ৳10,129.90 |
| bKash | Priyo Agent (up to ৳50,000/month) | ৳69.75 | ৳5,069.75 | ৳139.50 | ৳10,139.50 |
| Upay | Agent (App or *268#) | ৳70.00 | ৳5,070.00 | ৳140.00 | ৳10,140.00 |
| bKash | ATM (BRAC, City, Q-Cash) | ৳74.50 | ৳5,074.50 | ৳149.00 | ৳10,149.00 |
| Nagad | *167# (button phone) | ৳75.00 | ৳5,075.00 | ৳150.00 | ৳10,150.00 |
| Rocket | Agent (App or *322#) | ৳83.50 | ৳5,083.50 | ৳167.00 | ৳10,167.00 |
| bKash | Any agent (App or *247#) | ৳92.50 | ৳5,092.50 | ৳185.00 | ৳10,185.00 |
The gap is real money. On ৳10,000, the cheapest method costs ৳80 and the most expensive ৳185 — a difference of ৳105 on a single cash-out. Cash out that much every month, and the choice is worth more than ৳1,000 a year.
If you have an ATM card
Upay at UCB ATMs and Rocket at Dutch-Bangla ATMs beat every agent rate by a wide margin. Taking out ৳10,000 costs ৳80 with Upay, against ৳185 at a regular bKash agent.
If you use an agent
The Nagad app charges ৳12.99 per thousand. bKash charges ৳13.95 at your two chosen Priyo Agent numbers for up to ৳50,000 a month, then ৳18.50 above that.
How to pay less
- On Nagad, use the app instead of dialling *167#.
- On bKash, set the agents you visit most as Priyo Agents.
- With an Upay or Rocket card, take larger amounts from the ATM.
- Rates change — check in the app before you cash out.
The bKash Cash Out Bundle changes the maths
Since late October 2026, bKash sells a Cash Out Bundle in its app. You pay for the bundle once, then cash out up to the bundle amount with no extra charge inside the bundle limit and validity. The bigger the bundle, the lower the rate:
| Bundle amount | Bundle price | Per ৳1,000 |
|---|---|---|
| ৳10,000 | ৳135 | ৳13.50 |
| ৳25,000 | ৳335 | ৳13.40 |
| ৳50,000 | ৳650 | ৳13.00 |
| ৳100,000 | ৳1,250 | ৳12.50 |
For a bKash user, the bundle moves bKash up the ranking. The ৳100,000 bundle costs ৳12.50 per ৳1,000 — cheaper than the Nagad app at ৳12.99 — and even the smallest ৳10,000 bundle at ৳13.50 beats the Priyo Agent rate of ৳13.95 and the ATM rate of ৳14.90. A bundle is valid for 30 days, so it pays off only if you cash out enough inside that window: the bundle price is paid up front, even if you use only part of the bundle. Check the app for the current terms before you buy.
Which method for which person
Near a UCB or Dutch-Bangla ATM
Use it. The UCB ATM rate of ৳8 and the Dutch-Bangla ATM rate of ৳9 are the cheapest cash-out rates in Bangladesh, and no other method comes close.
A Nagad app user
The Nagad app charges ৳12.99 per ৳1,000, and you need no card and no ATM visit — the money goes to any Nagad agent. It is the cheapest way to cash out without an ATM card.
A bKash user who cashes out every month
Set your two most-visited agents as Priyo Agents and cash out at ৳13.95 for up to ৳50,000 a month. If you cash out ৳10,000 or more inside 30 days, a Cash Out Bundle can be cheaper still — as low as ৳12.50 per ৳1,000 on the ৳100,000 bundle.
No ATM nearby
Agent rates decide the ranking. The Nagad app at ৳12.99 is the cheapest agent route, ahead of a bKash Priyo Agent at ৳13.95 and an Upay agent at ৳14.00. A regular bKash agent at ৳18.50 is the most expensive way to take cash out, so avoid it when you have another wallet.
Frequently asked questions
Is the cheapest method always the best?
No. The cheapest rates — ৳8 at a UCB ATM and ৳9 at a Dutch-Bangla ATM — only help if you can reach that ATM and have the card. If the nearest ATM is far away, the cheapest route you can actually use wins: the Nagad app at ৳12.99, a bKash Priyo Agent at ৳13.95, or a Cash Out Bundle.
Can I cash out any amount at an ATM?
The charge is the same per ৳1,000 whatever the amount, but every wallet has its own per-transaction and daily limits for cashing out. Check the limit in your app before a large cash-out, so the transaction is not refused.
Can the ranking change?
Yes. Rates change, and new offers can move a wallet up the ranking — the bKash Cash Out Bundle, launched in late October 2026, made bKash cheaper than the Nagad app at its largest tier. Check the rates in your app before a big cash-out.
Why does the Nagad app cost less than *167#?
The app rate is ৳12.99 per ৳1,000 and the dial-code rate is ৳15.00 — a difference of ৳2.01 on every ৳1,000. On ৳10,000 that is ৳20.10 saved by using the app instead of dialling. If you have a smartphone, use the app.
I only have a bKash account. What is my cheapest option?
Set two Priyo Agents and cash out at ৳13.95 per ৳1,000 for the first ৳50,000 of the month. For larger monthly cash-outs, a Cash Out Bundle goes as low as ৳12.50 per ৳1,000 on the ৳100,000 bundle, valid 30 days. The ATM rate is ৳14.90, and any other agent costs ৳18.50 — the most expensive rate on this page.
Work out your exact charge
Enter your amount in a wallet’s calculator to see the exact charge.
More from the blog
- Top 4 Mobile Financial Service Providers in Bangladesh A side-by-side look at bKash, Nagad, Rocket and Upay.
- Top Internet Banking Apps In Bangladesh The bank apps people in Bangladesh use most.
- Cheapest Way to Cash Out in Bangladesh The cheapest way to cash out in Bangladesh, ranked: Upay at a UCB ATM costs ৳8 per ৳1,000, Rocket at a DBBL ATM ৳9, Nagad app ৳12.99 — with worked examples.