What changed in 2026
- 1 July 2026 — Bangla QR became mandatory at every shop. Merchants paid a minimum merchant discount rate of 1% — ৳10 per ৳1,000, plus 15% VAT, so ৳11.50 per ৳1,000.
- 10 August 2026 — Bangladesh Bank scrapped the 1% minimum and set the interchange fee to zero, so the cost of processing a Bangla QR payment stopped being charged between banks.
- 1 October 2026 — every Bangla QR merchant payment is credited instantly, whatever the amount, and there is no charge on a payment for the customer or the merchant. Bangladesh Bank now pays the banks a small incentive instead: 0.10% to the acquiring institution and 0.20% to the issuing institution, on transactions up to ৳2,000.
What the customer pays
Customers pay no extra charge for paying with Bangla QR — the amount you pay is the amount on your bill. The money travels through the National Payment Switch (NPSB) straight into the merchant's bank or MFS account.
Cashing out is different, though: your wallet's cash out charge still applies when you withdraw cash, so check it in our calculators before you do.
Person-to-person is separate
Since 1 November 2026, Bangla QR also works for sending money to a person: scan someone's personal Bangla QR code or upload a saved image of it, check the name, and send the money. But a shop's merchant QR is for paying for goods and services, not for withdrawing cash.
Cashing out through a shop's QR is misuse that Bangladesh Bank monitors, and splitting one payment into several small ones to chase incentives is not allowed either. To get cash, use an agent or an ATM.
Check the current terms
Charges and rules can change, so check the current terms in your bank or MFS app — or the Bangladesh Bank rules — before you decide.