Nagad

Nagad Nagad is a user-friendly finance app for Bangladesh, recording spending automatically, offering cashback on payments, and running frequent discounts. Enjoy secure logins, quick transfers, and fast bill & mobile recharge.

Nagad

Nagad is a convenient, easy-to-use financial services app. It automatically tracks your spending activity and creates useful summaries based on that data. Every time you pay through the app, you can also receive cashback rewards—making everyday use even more rewarding. The app frequently runs promotional campaigns and discount events, where you can collect coupons and get deals across a wide range of products, so you enjoy better shopping experiences. As with any financial tool, security comes first: Nagad uses advanced encryption to help protect your privacy and keep your account safe.

Key Features

• Create your account: When you open Nagad for the first time, you’ll be asked to set up a new account.
• Use your National ID: A National Identity Card (ID) is required as your unique identifier to register.



• Choose your card type: Before you proceed, select the type of card you have or prefer.
• Upload ID images: You’ll upload a clear photo showing both the front and back of your ID.
• Complete identity verification: Take a real-time selfie and sign using your name for verification.
• Digital services available instantly: Once verified, you can access Bangladesh Post Office digital financial services right away.
• Simple interface: The app is designed to be easy for users at different skill levels, including people who are not very familiar with smartphone apps.



• Add and withdraw funds: Use Cash In and Cash Out from the app control panel.
• Instant transfers: Send money from your Nagad account to other Nagad users quickly.
• Bills and mobile recharge: Pay bills and recharge your mobile using the balance in your account.
• Check balance fast: View your balance in just a few taps.
• Earn interest: You can earn interest on the money saved in your Nagad account. The interest rate is calculated monthly based on your account balance.



• Stability and security updates: The beta version included a few minor bugs, which were later fixed to improve stability and security.
• Phone registration: For smooth operation and safer transactions, your mobile phone should be registered.

User Reviews

• Merchant user: “I recently opened my Nagad Merchant account, and it made business payments much easier. Thank you. However, as a merchant, cash-out and bank transfer charges are the same as personal accounts. If merchant charges were slightly lower, it would help and encourage users like us. Please consider this in the near future.”

• “The Nagad Uddokta app is great and works very fast, but some options are missing—like daily transaction reports, daily commission reports, and monthly transaction/commission reports. It should include cash-in and cash-out reports for both daily and monthly periods.”

• “Please add an option to Cash In from the contact list. Apps like bKash and Rocket already offer this. It’s frustrating to type and check a known customer’s number every time an Uddokta wants to cash in for frequent customers. Adding a direct Cash In option from the customer’s wallet using the contact list would reduce errors and make the process easier.”

FAQs

Can I send money abroad? Can I receive money from abroad?

• Sending abroad: Currently, there’s no option to send money abroad.
• Receiving from abroad: People abroad can send remittances to your Nagad account.

How much is the charge for sending money?

• Free: First 2 transactions per month.
• After that: A 5 taka charge per transaction through the app.
• Using *167#: Sending using *167# also requires a 5 taka charge per transaction.

If someone doesn’t have a Nagad account, can they still receive money from the app?

• Yes. You can send money from Nagad to any number.

What is “Reference” in Send Money?

• During Send Money, the sender can add any note up to 25 characters in the Reference field.
• The recipient can see the Reference in the SMS notification after receiving the money.

How does Merchant Pay work?

Digital payments are the present. Carrying cash is not only unsafe, but handling change and repeated transactions can be inconvenient. With Merchant Pay, you can pay for purchases from participating places such as superstores, pharmacies, departmental stores, restaurants, lifestyle stores, and e-commerce sites using your Nagad Account.

Steps to make a Nagad payment:

• Log in to the Nagad app
• Tap the Merchant Pay button
• Enter the Merchant Account Number or scan the QR code
• Enter the amount
• Enter the Reference and PIN
• Tap & hold

Conclusion

Overall, Nagad is a strong example of how mobile payments can make everyday transactions easier and faster—showing what modern digital payment experiences can look like.