What is the Nagad cash out charge in 2026?

Nagad agent cash out charge is 1.49% of the transaction amount. ATM cash out is a flat ৳15 per transaction regardless of the amount.

Is Nagad cheaper than bKash?

Yes, for cash out transactions Nagad is cheaper. Nagad charges 1.49% vs bKash 1.85%. For ৳10,000 cash out, you save ৳36 with Nagad.

Is Nagad send money free?

Yes, sending money from one Nagad account to another is completely free with no charge on any amount.

What is the Nagad ATM cash out charge?

Nagad ATM cash out is a flat ৳15 per transaction regardless of amount. This is much cheaper than bKash ATM at 2%.

What is the daily cash out limit on Nagad?

The Nagad daily cash out limit is ৳25,000 for personal accounts. Monthly limit is ৳200,000. Per-transaction limit is ৳25,000.

Nagad Charge Calculator 2026

Calculate Nagad charges for cash out, send money, and payments. Compare with bKash and Rocket to find the cheapest option.

Service Type

Amount (৳)

You Receive
৳0

Amount

৳0

Nagad Charge

৳0

Charge Rate

bKash Charge (Compare)

৳0

Nagad vs bKash vs Rocket

Provider	Charge	You Receive	Savings vs bKash

Nagad Charge List 2026 — Complete Guide

Nagad is the second-largest mobile financial service in Bangladesh, operated by the Bangladesh Post Office in partnership with Third Wave Technologies. With over 50 million accounts, Nagad has gained popularity primarily because of its lower cash out charges compared to bKash. This calculator helps you understand exactly how much you will pay for every Nagad transaction.

Nagad Cash Out Charges

Nagad agent cash out charges 1.49% of the transaction amount, making it the cheapest MFS provider for cash out in Bangladesh. For ৳10,000, you pay only ৳149 compared to ৳185 on bKash — saving ৳36 on every transaction. ATM cash out on Nagad is a flat ৳15 regardless of the amount, which is significantly cheaper than bKash ATM cash out at 2%.

Why Nagad is Cheaper

Nagad operates with lower overhead costs by leveraging the existing Bangladesh Post Office network. This allows them to offer lower transaction fees while maintaining profitability. The 1.49% cash out rate has been a major competitive advantage, attracting price-sensitive users who frequently cash out their mobile money.

Nagad Charge Formulas

Agent Cash Out: Charge = Amount x 1.49 / 100

ATM Cash Out: Charge = ৳15 (flat)

Send Money / Payment / Add Money: Free

Nagad vs bKash — Detailed Comparison

For a ৳5,000 cash out: Nagad charges ৳74.50 while bKash charges ৳92.50 — you save ৳18. For ৳25,000: Nagad charges ৳372.50 vs bKash ৳462.50 — a saving of ৳90. ATM cash out is where Nagad really shines: a flat ৳15 vs bKash 2% means for any amount over ৳750, Nagad ATM is cheaper. Both services offer free send money between their own users.

Nagad Transaction Limits

Nagad allows a maximum cash out of ৳25,000 per transaction and ৳25,000 per day for regular accounts. Monthly cash out limit is ৳200,000. Send money limit is ৳25,000 per transaction with a daily limit of ৳25,000 and monthly limit of ৳200,000. These limits are for personal accounts; business accounts have higher limits after verification.

Tips for Saving Money with Nagad

Use Nagad ATM cash out for the cheapest withdrawal at just ৳15 flat. For amounts above ৳1,000, agent cash out at 1.49% is cheaper than bKash. Keep money in your Nagad account as long as possible and make payments directly to avoid cash out charges altogether. Watch for seasonal promotions that sometimes offer free or reduced-charge cash out.