bKash in Bangladesh: how to open an account and use the platform
About the bKash platform
The bKash service was officially launched in 2011, and by 2025, the number of platform users in Bangladesh had exceeded 82 million. bKash is a financial service created by the private Bangladeshi commercial bank BRAC Bank in partnership with the American company Money in Motion LLC. The Bill & Melinda Gates Foundation was also involved in the creation of bKash.
The developers of the service position bKash as a universal mobile banking platform for all financial solutions, stating that it meets the needs of both individuals and businesses.
bKash has repeatedly received prestigious awards, including international ones. For example, in 2023, the service was awarded the "Fintech Pioneer" prize for its leading role in the development of digital payment services in Bangladesh.
Opening an account in Bangladeshi taka on the bKash platform
As of March 2026, residents of Bangladesh aged 18 and over, including those living abroad, can open an account on the bKash mobile platform. To open an account, a smart card (digital ID, NID), passport, or driver's license is required.
Clients who currently use services such as the following can also open an account under a simplified procedure:
- Robi;
- Grameenphone;
- Banglalink;
- Teletalk;
- Airtel.
In addition to standard accounts, the bKash mobile platform also supports special student accounts. Unlike regular accounts, student accounts can be opened by individuals aged 14 to 18 with a birth certificate and an active bKash account belonging to at least one parent.
A bKash account can be opened through the mobile app. To do this, you need to install the app and log in, then enter your mobile phone number. Next, you will need to enter the verification code sent by SMS, accept the terms of use, and take a photo of your ID document and a selfie for user identification.
After submitting all the required data, you should wait for the information to be verified in order to open the account. Verification usually takes up to 48 hours, after which the customer will have access to all the features of the mobile platform. A bKash account can also be opened through special digital identification points or bank branches in Bangladesh.
Services and transactions available in bKash
The bKash platform supports a wide range of services for both individuals and businesses:
- Cash deposits and withdrawals, including cash in Bangladeshi taka;
- Fast mobile money transfers;
- Lending through microfinance organizations;
- Payment for education, mobile services, home internet, utilities, and other services;
- Billing, including for QR payments;
- Charitable donations;
- Savings accounts and deposits, as well as loan repayments;
- Insurance.
bKash fees and limits
Limits and fees depend on the chosen transfer method and range from 0% to 1.85% of the amount. Domestic transfers are limited to 300,000 Bangladeshi taka per month. International payments, however, are not limited in amount.
There are also limits on the number of transactions: from 5 to 1,500 per day, depending on the selected method. There are also limits on the amount of a single transaction: from 1 to 250,000 Bangladeshi taka.
Features of the bKash mobile platform
The app supports offline payments in Bangladeshi taka in case there is no internet access. Kash also offers a unique Bundle subscription: a commission subscription. A bundle (subscription) allows users to make transfers and group payments without additional commission fees as long as the package remains active.
The app also offers quick, small loans if
the user urgently needs money. The loans are provided by City Bank. The limit for such loans is individual and ranges from 500 to 30,000 Bangladeshi taka.