Nagad charges at a glance: Nagad to Nagad send money costs Tk 5 per transaction (the first 2 from the app come back as cashback). Cash out costs Tk 12.99 per 1,000 from the Nagad app and Tk 15 per 1,000 by USSD. Cash in, mobile recharge and add money from bank are free.
Last updated: November 2026. All charges are taken from Nagad's official limits and charges and service pages.
Nagad Charges List (All Services)
| Service | Nagad charge |
|---|---|
| Send Money (App) | Tk 5 per transaction (first 2 get cashback) |
| Send Money (USSD *167#) | Tk 5 per transaction |
| Cash Out (Regular App) | Tk 12.99 per 1,000 |
| Cash Out (Islamic App) | Tk 15 per 1,000 |
| Cash Out (USSD) | Tk 15 per 1,000 |
| Cash In | Free |
| Mobile Recharge | Free |
| Add Money from Bank | Free |
| Add Money from Card (Visa, Mastercard, AmEx) | No additional charge |
| Transfer Money to Bank / Card | 1.5% |
| Transfer Money via NPSB | 0.85% |
Nagad to Nagad Send Money Charge
The Nagad send money charge is a flat Tk 5 per transaction, no matter how much you send. It is the same for Nagad Regular and Nagad Islamic accounts.
| Medium | Send money charge |
|---|---|
| Regular App | First 2 transactions: charge returned as cashback. After that: Tk 5 |
| Regular USSD | Tk 5 |
| Islamic App | First 2 transactions: charge returned as cashback (gift). After that: Tk 5 |
| Islamic USSD | Tk 5 |
Save money: because the fee is flat, one large transfer is cheaper than several small ones. Sending Tk 10,000 once costs Tk 5, but sending it in five parts costs up to Tk 25. Use the app to get the first 2 send money charges back.
Nagad Send Money Limit
| Limit | Amount |
|---|---|
| Minimum per transaction | Tk 10 |
| Maximum per transaction | Tk 50,000 |
| Daily limit | Tk 50,000 (100 times) |
| Monthly limit | Tk 3,00,000 (250 times) |
Nagad Cash Out Charge
Nagad cash out is charged in proportion to the amount. Nagad says the rate includes VAT and applies equally to any amount.
| Cash out amount | Regular App (12.99/1,000) | USSD & Islamic App (15/1,000) |
|---|---|---|
| Tk 500 | Tk 6.50 | Tk 7.50 |
| Tk 1,000 | Tk 12.99 | Tk 15 |
| Tk 2,000 | Tk 25.98 | Tk 30 |
| Tk 5,000 | Tk 64.95 | Tk 75 |
| Tk 10,000 | Tk 129.90 | Tk 150 |
| Tk 25,000 | Tk 324.75 | Tk 375 |
Calculated from Nagad's published rates; small rounding differences may appear in the app. For any other amount, use our Nagad Cashout Calculator.
Nagad Cash Out Limit
You can cash out at least Tk 50 and at most Tk 30,000 per transaction. The daily limit is Tk 30,000 (15 times) and the monthly limit is Tk 2,00,000 (150 times).
Free Nagad Services
- Cash in: free at any Nagad Uddokta point, up to Tk 50,000 per day.
- Mobile recharge: free for all operators.
- Add money from bank: free from the internet banking of supported banks.
- Add money from card: no additional charge with Visa, Mastercard or American Express.
Nagad Transfer Money Charge (Bank, Card, Wallet)
Sending money from Nagad to a bank account, a Bangladesh-issued Visa debit card or another mobile wallet costs 1.5% for bank and card transfers, and 0.85% through NPSB (National Payment Switch Bangladesh). For example, Tk 10,000 through NPSB costs Tk 85.
Nagad Bill Pay Charges
| Biller | Charge |
|---|---|
| Palli Bidyut Prepaid, DPDC, Khulna WASA | Up to Tk 400: Tk 5 · Tk 401 to 1,500: Tk 10 · Tk 1,501 to 5,000: Tk 15 · Above Tk 5,000: Tk 25 |
| DESCO (Postpaid, Prepaid, EKPAY) | 0.90%, max Tk 5 |
| NESCO, West Zone Power | 0.90%, max Tk 30 |
| Titas, Jalalabad, Bakhrabad, Paschimanchal Gas | 0.90%, max Tk 30 |
| Dhaka WASA, Chattogram WASA | 0.90%, max Tk 30 |
How to Check Nagad Charges Before a Transaction
- Open the Nagad app or dial *167#.
- Choose the service (Send Money or Cash Out) and enter the amount.
- Read the charge shown on the confirmation screen before you enter your PIN.
- For a quick estimate without logging in, use our Nagad Cashout Calculator.
Nagad notes that if the app, USSD and website ever show different charges, the charge on the official website applies. Need help with a wrong charge? Call the Nagad customer care number 16167.
Other Limits to Know
- You can keep a maximum of Tk 5,00,000 in a Nagad account at any time.
- Check how much you have with the Nagad balance check code *167#.
- Not sure the receiver has Nagad? See how to check a Nagad account.
Calculate Your Exact Nagad Cash Out Charge
Enter any amount and see the charge and total in one second. Free, no sign up.
Open Nagad Cashout Calculatorনগদ চার্জ ২০২৬ (বাংলায় সংক্ষেপে)
- নগদ থেকে নগদ সেন্ড মানি: প্রতিবার ৫ টাকা। অ্যাপে প্রথম ২টার চার্জ ক্যাশব্যাক হিসেবে ফেরত।
- ক্যাশ আউট: অ্যাপে প্রতি হাজারে ১২.৯৯ টাকা, *167# ও ইসলামিক অ্যাপে প্রতি হাজারে ১৫ টাকা।
- ক্যাশ ইন, মোবাইল রিচার্জ, ব্যাংক থেকে অ্যাড মানি: সম্পূর্ণ ফ্রি।
- ব্যাংকে ট্রান্সফার: NPSB-তে ০.৮৫%, ব্যাংক/কার্ডে ১.৫%।
Frequently Asked Questions
What is the Nagad to Nagad send money charge?
Nagad charges Tk 5 per send money transaction. In the Nagad app, the charge for the first 2 send money transactions is returned as cashback.
How much is the Nagad cash out charge per 1,000 taka?
Nagad cash out costs Tk 12.99 per 1,000 from the Nagad Regular app and Tk 15 per 1,000 from USSD or the Nagad Islamic app.
What is the Nagad cash out charge for 5,000 taka?
Cashing out Tk 5,000 costs about Tk 64.95 from the Nagad app and Tk 75 by USSD.
Is Nagad cash in free?
Yes. Nagad cash in is completely free at any Nagad Uddokta point.
Is there any charge for Nagad mobile recharge?
No. Mobile recharge with Nagad is free.
What is the Nagad to bank transfer charge?
Transfers to a bank account or card cost 1.5%, and transfers through NPSB cost 0.85%.
Sources: Nagad Limits and Charges, Send Money, Cash Out, Transfer Money. Charges can change; always confirm on the confirmation screen.