1.      The recipient of Mobile Financial Services (bKash Service) of bKash Limited (hereinafter referred to as 'bKash') will be known as 'bKash Customer' and only such bKash Customer shall be the user of the bKash Account.

2.      The transaction/activities of the bKash Account will be carried out in accordance with the prevailing laws of Bangladesh, rules, regulations, guidelines, circulars and order/directives issued by Bangladesh Bank and other regulatory authorities which are applicable to Mobile Financial Services. bKash Customer shall be obliged to abide by such laws, rules, regulations, guidelines, circulars etc.

3.      The bKash Account Number (MSISDN of the relevant SIM card) shall have to be correctly mentioned in all bKash related documents/forms/interfaces/platforms, where applicable. bKash shall not be liable for any loss or damage suffered as a result of wrongly mentioning the Account Number.

4.      The bKash Customer explicitly confirms that his/her bKash Account has been opened against the SIM card (MSISDN) registered with his/her own National Identity Document (NID). In the event of a breach of this condition, bKash reserves the full right to take any legal action, including the immediate suspension of the bKash Account.

5.      bKash Customer shall be solely responsible for his/her SIM card (MSISDN) associated with the bKash Account and for all issues related to SIM replacement. bKash shall not, in any case, take any responsibility in this regard.

6.      bKash shall consider the address stated in the National Identity Document (NID) of the bKash Customer as his/her permanent address.

7.      bKash Customer must verify that the correct amount for any transaction (Cash In, Cash Out, Payment etc.) has been successfully sent or received by the intended bKash Account before leaving the agent or merchant counter/platform. bKash will not be held liable for any discrepancies.

8.      Before each transaction using bKash Service, bKash Customer shall confirm the accuracy of the recipient's details and, where applicable, should remain cautious regarding the recipient's bKash account number, amount of money, his/her PIN and transaction instruction. Only the bKash Customer shall be personally and solely liable for any wrong input or instruction provided by the bKash Customer while making any transaction or for any transaction in pursuance of any inducement or false representation or fraudulent activity. In any case, bKash shall not be responsible or liable to make any reversal of such transactions.

9.      bKash reserves the right to determine all service fees and maintenance charges from time to time, and such fees or charges will be debited from the bKash Account.

10.  bKash Customer shall be obliged to provide bKash with any information, document, explanation or declaration as required by bKash for compliance with relevant laws of Bangladesh including but not limited to the Anti Money Laundering Act-2012, Anti-Terrorism Act-2009, Gambling Prevention Act-2026 etc. and any circular/guideline issued by Bangladesh Bank from time to time.

11.  bKash shall maintain strict confidentiality and protection in relation to information about the bKash Account and its transactions. However, bKash reserves the right to disclose/provide any information in relation to bKash Customer in any of the following circumstances:

·        if required by any regulatory, supervisory, government or autonomous authority having jurisdiction over bKash;

·        if required by an order of any court or tribunal;

·        where disclosure is required under contractual obligations to any third-party service provider, financial institution, or organization for the purpose of carrying out the authorized activities of bKash;

·        where disclosure is required for the legitimate purposes of any entity that controls bKash, is controlled by bKash, or is under common control with bKash.

12.  The protection, confidentiality, sharing and processing of the personal information of the bKash Customer shall be ensured in accordance with the applicable laws of Bangladesh and Privacy Notice of bKash, which is available on the official website of bKash and through the following hyperlink: https://www.bkash.com/en/page/privacy-notice. 

13.  bKash Customer must not, under any circumstances, share any OTP or the PIN of his/her bKash Account with anyone and shall be solely and personally responsible for ensuring its maximum confidentiality and security. In case of any apprehension of breach of secrecy or misuse of the PIN, the bKash Customer must immediately change the PIN. bKash shall not be held liable for any fraud and/or loss borne by the bKash Customer as a result of misuse of PIN or breach of PIN secrecy or privacy due to bKash Customer's negligence or mistake. If mobile phone or SIM card is lost, bKash Customer shall immediately block his/her bKash Account by contacting bKash through bKash helpline (16247), Live Chat (https://www.bkash.com/customer-service/livechat) or any other customer interaction channel of bKash and communicate with bKash for further action.

14.  bKash Customer shall always strictly refrain from carrying out any financial transaction related business using his/her bKash Account. bKash reserves the right to take any disciplinary or legal action(s) or any other action that bKash may deem fit including but not limited to suspension or cancellation or termination of the bKash Account without any prior notice for violating any of these terms and conditions, or committing fraud or attempting to commit fraud or for suspicious bKash transaction or for any complaint against the bKash Customer or for security purpose or on any other ground that bKash deems reasonable. In such case, the decision of bKash is final and binding upon the bKash Customer.

15.  bKash Customer shall not directly or indirectly use, permit the use of, or facilitate the use of the bKash Account for any gambling, betting, wagering, forex trade or any other activity prohibited under applicable laws including the Gambling Prevention Act, 2026.

16.  bKash Customer shall comply with all the instructions communicated by bKash from time to time through any communication channel. Any failure to comply with such instructions shall authorize bKash to take any remedial or legal action(s), including suspension or cancellation of the bKash Account, against the bKash Customer following due investigation. In such case, the decision of bKash will be deemed final and binding upon the bKash Customer. bKash reserves the right to suspend the bKash Account pending the investigation. However, if the bKash Customer is instructed to make any transaction or enter any specific number or share the PIN/OTP or any Account related information through SMS or phone call, bKash Customer must not follow such instructions without verifying with bKash.

17.  If bKash Customer wishes to close his/her bKash Account, he/she must ensure that the bKash Account balance has been exhausted (nil balance) before submitting an Account closure request.

18.  bKash shall have the right to send promotional IVRs, RVCs, voice calls or SMS to the bKash Customer at any time in accordance with the regulations applicable to bKash.

19.  bKash reserves the right to decide the criteria or rate of interest to be given on the accumulated balance of the bKash Customer's bKash Account. If the bKash Customer is unwilling to take interest, he/she can stop getting interest by calling bKash helpline (16247).

20.  bKash shall in no way be liable for any delay in opening or activating the bKash Account or providing any bKash Service due to any unexpected or inevitable reason.

21.  bKash Customer may lodge any complaint related to any bKash Service by visiting the bKash Customer Care Center or Customer Care, through bKash Customer App, Live Chat (https://www.bkash.com/customer-service/livechat), by calling bKash helpline (16247), or by sending an e-mail at [email protected]. In order to resolve any dispute or complaint regarding any bKash transaction of a bKash Customer, bKash reserves the right to conduct investigation, call for the complainant and/or alleged bKash Customer in the head office/regional office of bKash, settle, suspend or permanently block the bKash Account and take any other corrective or legal action as appropriate in view of bKash. If bKash Customer is not satisfied with the complaint resolution, he/she may contact Complaint Cell through bKash website (https://www.bkash.com/en/customer-service/complaint-cell).

22.  bKash reserves the right to amend, add to, upgrade, change or modify the existing terms and conditions at any time without giving any prior notice to the Customer.

Specific Terms & Conditions for bKash Student Account

1. A person aged between 14 (fourteen) and 18 (eighteen) years may open a bKash Student Account through the self-registration process using a valid digital birth certificate and the MSISDN of an active SIM (registered in the name of either Parent), subject to the consent of his/her Parent who holds an active bKash Account and fulfilment of bKash’s applicable requirements.
2. The bKash Student Account holder may access such bKash Services as may be made available for the bKash Student Account from time to time, including Cash Out, Mobile Recharge, Send Money, Receive Money, Payment, etc. bKash may add, modify, suspend or discontinue any bKash Service available through the bKash Student Account from time to time.
3. Transaction limits and applicable transaction counts for a bKash Student Account will differ from those applicable to regular bKash Accounts and shall be subject to the limits prescribed by bKash and/or applicable regulatory requirements from time to time.
4. bKash Student Account holder can access the offered bKash Services through the bKash App and *247#.
5. While registering bKash Student Account through the bKash App, along with other necessary information, Customer needs to provide the details of one of his/her parents (referred herein as “Parent”) and provide verification code sent to the Parent’s bKash Account number to obtain consent.
6. Each regular bKash Account (Parent’s bKash Account) may be linked to a maximum of 3 (three) bKash Student Accounts.
7. The Parent shall be considered as nominee of the bKash Student Account.
8. The Parent shall be able to view transaction statements of the linked bKash Student Account through the Parent’s bKash app.
9. The Parent’s permanent and current address shall be used for opening the bKash Student Account.
10. The Parent’s bKash account cannot be closed when there is an associated bKash Student Account and vice versa.
11. The Parent shall be responsible for the activities and transactions conducted through the bKash Student Account by the Student Account holder. In case of any wrongdoing, misuse or violation of the applicable bKash Terms & Conditions by the Student Account holder, bKash may take appropriate action against the bKash Student Account and/or the Parent’s bKash Account, including suspension, restriction or closure of the relevant account(s), and may take any other action as permitted under applicable law and regulatory requirements.
12. bKash shall share potential customer’s information mentioned in his/her digital birth certificate to third party in order to verify the given information and to complete the registration process of bKash Student Account.

I hereby confirm that to be a customer of bKash Limited's Mobile Financial Services, I have read and understood all rules, terms and conditions mentioned above relating to opening, maintaining and operating the account and I pledge to comply with them. All information and documents provided in this KYC form, according to my knowledge, are true, correct and complete and I have not concealed any information and I am aware of the relevant provisions of the laws.

Note: According to section 8(1) of Money Laundering Prevention Act, 2012, "No person shall knowingly provide false information in any manner regarding the source of fund or self-identity or the identity of an account holder or the beneficiary or nominee of an account". And as per section 8(2) of Money Laundering Prevention Act, 2012, "Any person who violates the provision of sub-section (1) shall be punished with imprisonment for a term not exceeding 3 (three) years or a fine not exceeding taka 50 (fifty) thousand or with both".