Who can use BDPAY
You must be 18 or older, have a Bangladeshi NID and use a mobile number you control. One NID can have one personal account, and one phone can hold one account at a time.
Your account and PIN
Keep your PIN and SMS codes secret. BDPAY will never ask for them. You are responsible for payments made with your PIN until you tell us your account is at risk.
If you sign in on a new phone, the old one is signed out and sending money is paused for 24 hours.
Verification and limits
You cannot send or receive money until your NID and selfie are verified. Daily and monthly limits depend on your verification level and follow Bangladesh Bank rules, and may change when those rules change. The app shows your current limits.
Fees
Sending money to another BDPAY user is free. Any fee for another service is shown in the app before you confirm.
Freezing and closing
You can freeze your account at any time. BDPAY may freeze it to protect you or when the law requires. Unfreezing needs a check that it is really you.
You can close your account after moving your balance to your own bank account.
Changes to these terms
When the terms change, the app shows the new version and asks you to accept it before you continue.
Law
These terms follow the laws of Bangladesh.