bKash brings Personal Retail Accounts for small businesses | bKash

bKash brings Personal Retail Accounts for small businesses

To expand your business, bKash has brought you a “Personal Retail Account". Get your account opened today, with the necessary information to enjoy a variety of benefits in your business transactions. However, do not share important information anywhere other than the designated site or page.

Open Personal Retail Account: Tap/Click!

What is a Personal Retail Account or PRA?

Personal Retail Account or PRA is a new of type of business account by which micro and small businesses operating in retail and f-commerce segment can collect bKash payment easily from bKash customers against goods and services. 

Requirement for opening a Personal Retail Account or PRA

To open a Personal Retail Account, you need to have the following documents: 

  1. Your National Identity Card

  2. A Valid Mobile No. (Registered against your National ID Card) for which no bKash account has been opened before) 

  3. A proof of ownership of your Mobile SIM Card

  4. NID card of nominee(required if applicable)

How to open a Personal Retail Account or PRA?

  1. You need the required documents as mentioned above. 

  2. For self-registration: Use this link “ https://account.bkash.com/”   

  3. Customers can call 16247 or visit https://livechat.bkash.com/ or email at “support @bKash.com”.

 

Personal Retail Account or PRA services-

  • Receive payment from bKash Customers

You can collect payment from bKash customers easily. A bKash customer can make payment by scanning your Personal Retail Account QR, via bKash Payment Gateway or by manually typing your Personal Retail Account No. via USSD channel. Limit applicable

  • Send Money to bKash Customers

A Personal Retail Account holder can send money to a bKash customer using the Send Money feature. Charges & Limit applicable

  • Agent & ATM Cash Out

A Personal Retail Account Holder can do cash out from any bKash agent and following ATM booths; BRAC Bank & Q-Cash. Charges & Limit applicable

  • Merchant Payment to PRA & other merchants ​

A Personal Retail Account holder can make bKash transfer to another PRA. Besides, a PRA can also make bKash transfer to other bKash merchant accounts (Merchant Plus, Merchant Plus Lite A & B, Medium, Small and Micro). Charges & Limit applicable.

  • Receive Payment from another PRA and bKash Merchant Accounts

A Personal Retail Account holder can receive money from another Personal Retail Account as well as following bKash merchant accounts (Merchant Plus, Merchant Plus Lite A & B, Medium, Small and Micro). Limit Applicable

 

Transaction limit for Personal Retail Account or PRA

The Personal Retail Account or PRA transaction limits are as follows:

 

Personal Retail Account (PRA)
 

Per trx

Daily

Monthly

Payment receive

30,000

    30,000

      500,000

M2M Send

30,000

    50,000

      450,000

M2C (Send money)

10,000

    10,000

      100,000

Momentary balance

                                          500,000

M2A (clubbed with ATM)

20,000

    20,000

      300,000

M2D

NA

ATM settlement

      3,000

    20,000

      300,000

 

Personal Retail Account usage through bKash Merchant App

  • A Personal Retail Account Holder will be able to download bKash merchant app from the google play store and use it accordingly.
  • Dial *247# to use Personal Retail Account 

 

Send Money

Dial *247# from your mobile and select 1 for send money. Follow below table:   

Level-1

Level-2

Level-3

Level-4

Level-5

*247* Final Display

SMS Notification to Sender

SMS Notification to Receiver

1. Send Money

Enter receiver bKash Account No:

Enter Amount:

Enter Reference:

Send Money.
To: <customer_account_no>
Amount: Tk <amount>
Reference: <reference>
Enter Menu PIN to confirm:

Send Money Tk <amount> to <payee_Account_no> successful. Ref <reference>. Fee Tk <fee>. Balance Tk <curr_bal>. TrxID <trxRef>

Send Money Tk <amount> to <payee_Account_no> successful. Ref <reference>. Fee Tk <fee>. Balance Tk <curr_bal>. TrxID <trxRef> at <DD/MM/YYYY hh:mm>

You have received Tk <amount> from <payer_Account_no>. Ref <reference>. Fee Tk <fee>. Balance Tk <curr_bal>. TrxID <trxRef> at <DD/MM/YYYY hh:mm>

Merchant Payment

Dial *247# from your mobile and select 2 for Merchant Payment. Follow below table: 

Level-1

Level-2

Level-3

Level-4

Level-5

*247# Final Display

SMS Notification to Sender

SMS Notification to Receiver

2.Merchant Payment

Enter Merchant Account No:

Enter Amount:

Enter Reference:

Merchant Payment.
To: <merchant_account_no>
Amount: Tk  <amount>
Reference: <reference>
<Merchant name>
Enter Menu PIN to confirm:

Merchant Payment Tk <amount> to <Merchant name> <payee_Account_no> successful. Ref <reference>. Fee Tk <fee>. Balance Tk <curr_bal>. TrxID <trxRef>

Merchant Payment Tk <amount> to <Merchant name> <payee_Account_no> successful. Ref <reference>. Fee Tk <fee>. Balance Tk <curr_bal>. TrxID <trxRef> at <DD/MM/YYYY hh:mm>

You have received Tk <amount> from <Merchant name> <merchant_Account_no>. Ref <reference>. Fee Tk <fee>. Balance Tk <curr_bal>. TrxID <trxRef> at <DD/MM/YYYY hh:mm>

Agent Cash Out

Dial *247# from your mobile and select 3 for Agent Cash Out. Follow below table

Level-1

Level-2

Level-3

Level-4

Level-5

*247# Final Display

SMS Notification to Sender

SMS Notification to Receiver

3. Agent Cash Out

Enter agent account no.

Enter Amount:

Enter Reference:

Cash Out.
To: <agent_account_no>
Amount: Tk  <amount>
Reference: <reference>
<agent name>
Enter Menu PIN to confirm:

Cash Out Tk <amount> to <agent name > <payee_Account_no> successful. Ref <reference>. Fee Tk <fee>. Balance Tk <curr_bal>. TrxID <trxRef>

Cash Out Tk <amount> to <agent name> <payee_Account_no> successful. Ref <reference>. Fee Tk <fee>. Balance Tk <curr_bal>. TrxID <trxRef> at <DD/MM/YYYY hh:mm>

You have received Tk <amount> from <merchant name> <merchant_Account_no>. Ref <reference>. Fee Tk <fee>. Balance Tk <curr_bal>. TrxID <trxRef> at <DD/MM/YYYY hh:mm>

ATM Cash Out

Dial *247# from your mobile and select 4 for ATM Cash Out. Follow below table:

Level-1

Level-2

Level-3

Level-4

4. ATM Cash Out

Enter your bKash Mobile Menu PIN to request ATM Cash Out

Enter the Security Code received through SMS

Follow ATM instructions to complete

Check Balance

Dial *247# from your mobile and select 5 for My bKash. Follow below table:

Level-1

Level-2

Level-3

*247# Final Display

5.My bKash

1.Check Balance

Enter Menu PIN:

Your current bKash Account balance is <curr><curr_bal>. Your available bKash Account balance is <curr><avail_bal>.

Request statement for my personal retail account through dialing *247# 

Dial *247# from your mobile and select 5 for My bKash. Follow below table:   

Level-1

Level-2

Level-3

*247# Final Display

SMS Notification to Sender

SMS Notification to Receiver

  

 

5.My bKash

2.Request Statement

Enter Menu PIN:

Latest <n> transactions in below format:
1.DD/MM/YY (Trans. Type) - Tk {Amt}
2.DD/MM/YY (Trans. Type) - Tk {Amt}
3.DD/MM/YY (Trans. Type) - Tk {Amt}

Merchant Payment:
<trxType> Tk  <amount>
Fee Tk <fee_amount>
From <payer_Account_no>
To <receiver_Account_no>
Ref <reference>
TrxID <trxRef>
At <DD/MM/YYYY time>

M2D Transfer:
<trxType> Tk  <amount>
Fee Tk <fee_amount>
From <payer_Account_no>
To <receiver_Account_no>
Ref <reference>
TrxID <trxRef>
At <time>

D2M Transfer:
<trxType> Tk  <amount>
Fee Tk <fee_amount>
From <payer_Account_no>
To <receiver_Account_no>
Ref <reference>
TrxID <trxRef>
At <time>

Payment:
<trxType> TK  <amount>
Fee TK <fee_amount>
From <payer_Account_no>
To <receiver_Account_no>
Ref <reference>
Counter <till_number>
TrxID <trxRef>
At <DD/MM/YYYY time>

Change Mobile Menu PIN 

Dial *247# from you mobile and select 5 for My bKash. Follow below table:

Level-1

Level-2

Level-3

Level-4

Level-5 

*247# Final Display

5.My bKash

3.Change Mobile Menu PIN

Enter Old PIN:

Enter New PIN:

Confirm New PIN:

Your Mobile Menu PIN has been changed successfully. 

Update MNP or Mobile Network Portability 

Dial *247# from you mobile and select 5 for My bKash. To update MNP information select 4. 

Charges/fees applicable for PRA’s features

Transaction type

Personal Retail Account fees

Receive payment from customers

Free
Cash Out from all Agents

No charges are applicable on Cash-out of up to BDT 5,000 for the first 3 months.

Receive Merchant Payment

  • Personal Retail to Personal Retail

  • Merchant to Personal Retail

Free

Merchant Payment

  • Personal Retail to Personal Retail

  • Personal Retail to Merchant (Merchant Plus, Merchant Plus Lite A & B, Medium, Small and Micro)

0.20%

Send money

  • Personal Retail to Customer

5 Taka

Personal Retail to Bank Account (next phase)

1.3%

**This is a promotional offer and will be running until further notice.

Terms & Conditions:

  • A potential Personal Retail Account holder needs to dial *16001# and share his/her last 4 digits of NID to get SMS notification mentioning all the mobile numbers registered under that particular NID. A screenshot/photo needs to be taken for submitting this document in the onboarding portal
  • No need to visit bKash Customer Care to open a Personal Retail Account
  • NID used to open personal bKash account can also be used to open the Personal Retail Account. However, to open the Personal Retail Account, register with a number that has not been used to open any bKash account previously
  • NID already used to open a bKash Agent/Merchant/Channel Account; in other words, any Business account cannot be used to open a Personal Retail Account
  • It is not possible to transfer your personal bKash account to bKash Retail Account
  • Personal Retail Account Statement can be downloaded from bKash Merchant App and received in the email address provided for App Login, within 24 hours. You can also call 16247 to get your Account Statement
  • In case you forget your Personal Retail Account PIN, dial 16247 from the same number you registered your account with
  • In case you lose your Personal Retail Account SIM, call 16247 to block that number
  • Call 16247 to check for authentication of any received payment to your Personal Retail Account
  • Call 16247 in case you cannot access your Personal Retail Account’s self-onboarding tool
  • To get ‘Proof of Profession’ for your Personal Retail Account, contact the nearest Mayor/Ward Commissioner/Union Council office
  • In case you lose the registration ID of your Personal Retailer Account, call 16247
  • For PIN reset, number blocking, and transaction confirmation, keep your necessary documents nearby to assist the Customer Service Representative for verification of specific information in the Personal Retail Account

 

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