Cash Out Charge Calculator
Instantly calculate cash out fees for bKash, Nagad, Rocket & Upay. Updated for 2026.
Rate applied: 1.85%
Complete Guide to MFS Cash Out Charges in Bangladesh (2026)
As we move through 2026, managing mobile financial service (MFS) costs in Bangladesh has become essential for daily financial planning. Whether you use bKash, Nagad, Rocket, or Upay, understanding the hidden layers of withdrawal fees can save you thousands of Taka annually.
The Evolution of Cash Out Fees
Gone are the days of a flat 1.85% fee across the board. Providers have introduced complex tiered pricing models to compete. For instance, bKash's "Priyo Agent" feature allows for a significantly reduced rate of 1.49% (14.90 Tk per 1,000), but this is strictly capped at a monthly limit. This calculator is built to factor in these "split-tier" scenarios, calculating exactly how much of your withdrawal falls under the cheap rate and how much spills over into the standard rate.
App vs. USSD: The Cost of Convenience
A critical factor often overlooked is the method of withdrawal. Digital savvy users who utilize the official apps often enjoy lower rates (e.g., Nagad's ~1.29% App rate) compared to those using USSD codes (*247#, *167#). This disparity is designed to encourage smartphone adoption, but it can penalize users on feature phones. This tool provides a transparent comparison between App and USSD charges for every major provider.
ATM Withdrawals: The Hidden Saver
For users with access to partner ATMs (such as BRAC Bank for bKash or Dutch-Bangla Bank for Rocket), cashing out via ATM is often the most cost-effective method, with rates dropping as low as 0.9% or 1.49%. However, ATM availability is lower in rural areas, making agent points the primary, albeit more expensive, option for many.
Quick Charge List (Per 1,000 Tk)
| Provider | App Charge | USSD Charge |
|---|---|---|
| bKash | 18.50 Tk | 18.50 Tk |
| bKash (Priyo) | 14.90 Tk | 14.90 Tk |
| Nagad | 12.99 Tk* | 15.00 Tk |
| Rocket | 18.00 Tk | 18.00 Tk |
| Upay | 14.00 Tk | 14.00 Tk |
*Nagad App charge excludes VAT in some calculations, usually rounded to 13 Tk.
Frequently Asked Questions
How much is the bKash Priyo Agent charge?
For a Priyo Agent, the charge is 1.49% (14.90 Tk per 1,000). This rate applies up to a monthly limit of 50,000 Tk. After the limit, it reverts to the standard 1.85%. Learn more in the bKash Priyo Agent Guide.
Which is cheaper: bKash or Nagad?
Currently, Nagad App is cheaper at approx 1.30% (12.99 Tk + VAT) compared to bKash's standard 1.85%. However, if you use bKash Priyo Agent or ATM Cash Out, the rate drops to 1.49%, making it very competitive. See the full comparison: bKash vs Nagad vs Rocket vs Upay 2026.
What is the cheapest way to cash out?
The absolute cheapest way is using Upay at UCB ATMs (0.8% or 8 Tk/1000) or Rocket at DBBL ATMs (0.9% or 9 Tk/1000). For agent withdrawals, Nagad App is the cheapest option. Read the guide on How to Save on Cash Out Charges.
What is the withdrawal limit?
For most personal accounts, the daily cash-out limit is 30,000 Tk and the monthly limit is 2,00,000 Tk. For a detailed breakdown, check our MFS Transaction Limits 2026 guide.