Verdict on Upay
A hidden gem for UCB ATM users. Calculations show it offers the absolute lowest withdrawal cost (8 Tk/1000) in the entire industry.
Regulatory Limits (2026)
Adhering to Bangladesh Bank regulations, Upay enforces daily and monthly ceilings on cash-out transactions. While this calculator ensures you have the correct balance for fees, always ensure your transaction volume stays within the 30,000 Tk daily (personal) limit to avoid transaction failures at the agent point.