bKash/Nagad Fee Calculator
Calculate bKash and Nagad cash out fees, send money charges and compare providers side by side.
Quick guide
bKash and Nagad fee structure
bKash and Nagad are part of everyday money movement in Bangladesh, so even a small fee difference can matter. This page uses the fee assumptions shown in the calculator to compare cash out, send money, merchant payment, and ATM withdrawal flows side by side.
For a student sending balance home, a shop owner collecting payment, or a freelancer cashing out earnings, the practical question is often simple: which option keeps more money in hand after the charge is applied. This page is built for that decision.
| Service | bKash | Nagad |
|---|---|---|
| Send Money | Free | Free |
| Cash Out (Agent) | 1.85% | 1.49% |
| Cash Out (ATM) | 1.85% (min Tk 25) | 1.49% |
| Payment (Merchant) | Free | Free |
| Mobile Recharge | Free | Free |
Tips to save on mobile banking fees
- Use merchant payment instead of cash out when possible, since merchant payment is shown as free in the assumptions here
- If you cash out often, compare the difference between bKash and Nagad before you choose the agent or wallet
- For smaller withdrawals, minimum-fee rules can matter more than the percentage rate
- Send money first, then cash out only when the recipient actually needs cash in hand
Practical example
If someone withdraws Tk 10,000, the gap between 1.85% and 1.49% is enough to show a meaningful difference over time. For a household that cashes out every week, that small gap adds up, so a fee comparison can be more useful than guessing from memory.
Frequently Asked Questions
Which is cheaper for cash out, bKash or Nagad?
Using the fee assumptions shown on this page, Nagad is cheaper for cash out than bKash. That difference matters most when you withdraw frequently or in larger amounts.
Is bKash send money free?
Send money between personal accounts is shown as free in the assumptions on this page. That is why many users transfer balance first and cash out only when needed.
What is the minimum ATM cash out fee for bKash?
The page uses a minimum ATM cash out fee assumption of Tk 25 for bKash. If the percentage fee comes out lower than that, the minimum fee still applies.
Quick answer
bKash/Nagad Fee Calculator is built for people who want a fast, browser-based way to calculate bKash and Nagad cash out fees, send money charges and compare providers side by side. The tool works well for quick checks on mobile or desktop, and the supporting explanation helps you understand the result instead of treating it like a black box.
How to use this tool
- Fill in the required values carefully and keep the units or date formats consistent.
- Read the primary result first, then review the supporting breakdown to understand how the answer was produced.
- Change one input at a time if you want to compare scenarios and make a clearer decision.
What this result can and cannot tell you
A calculator is excellent at showing the maths behind a decision, but it does not know your lender's hidden fees, your insurer's exclusions, your employer's payroll quirks, or a government's next policy update. That means the output is strongest when you use it to compare scenarios, not when you treat it as the final official number.
For finance pages in particular, the biggest value comes from clarity. Once you can see the principal, interest, tax, fee, or rebate effect clearly, you can ask better questions before you commit real money.
When this result is useful
Use this tool before you borrow, invest, file, or compare offers so you can see the financial impact before committing.
It is especially useful when you want a fast second check alongside lender, broker, or government portals for bkash and nagad.
A realistic planning example
Imagine you are comparing two options for calculate bKash and Nagad cash out fees, send money charges and compare providers side by side. Instead of trusting a headline number, you enter the inputs here and review the total effect before you commit.
That simple check often changes the decision. A monthly number may look affordable at first, while the full cost, tax impact, or long-term return tells a very different story once the breakdown is visible.
Common planning mistakes to avoid
- Comparing only the monthly number and ignoring the total long-term cost.
- Assuming a published rate or tax rule applies to your exact case without checking the conditions.
- Entering gross values when the tool expects net values, or vice versa.
- Making a decision before reviewing fees, charges, deductions, or taxes together.
Sources and notes
For planning and educational use only. Rates, slabs, fees, and rules can change, so verify high-stakes decisions with the relevant bank, broker, insurer, tax advisor, or government source.
Reference sources