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. 

Personal Retail Account will have following two profiles:

  • Personal Retail Account with limited transaction profile (Offline PRA Holder) 

Limited transaction means: Per transaction Limit BDT 999

  • Personal Retail Account with full transaction profile (Online PRA Holder)

Full transaction means: Per transaction Limit BDT 2,000

 

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 payment to another PRA. Besides, a PRA can also make payment to following 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

  • PRA to a Linked Bank Account

A Personal Retail Account Holder will be able to link his/her bank account and can transfer money from his/her Personal Retail Account to his/her linked bank account. This feature will be available in the future in Merchant App only. Limit & charges applicable

 

Transaction limit for Personal Retail Account or PRA

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

Transaction type (BDT)

Minimum Per Transaction amount

Daily count

Monthly count

Per Transaction amount

Daily amount  

Monthly amount

Receive payment for PRA(Offline Merchant)

Customer to Personal (Retail/Personal gateway)

-

No limit

No limit

999

10,000

1,00,000

Receive payment for PRA(Online Merchant)

Customer to Personal (Retail/Personal gateway)

-

2,000

Receive payment

  • Personal Retail to Personal Retail

  • Merchant to Personal Retail

-

No limit

No limit

5,000

10,000

1,00,000

Receive payment

  • Personal Retail to Personal Retail

  • Merchant to Personal Retail

2,500

5

100

5,000

10,000

1,00,000

Send money for PR Account

(Personal Retail to Customer)

1

5

30

10,000

10,000

1,00,000

Agent Cash Out 

(for PR Account Holder)

1

5

30

20,000

20,000

3,00,000

ATM Cash Out

(for PR Account Holder)

Q Cash: 2,000

Brac Bank: 2,500

Personal Retail to Bank Account 

(for PR Account Holder)

-

5

30

No limit

50,000

1,000,000

  • 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

Receive Merchant Payment

  • Personal Retail to Personal Retail

  • Merchant to Personal Retail

Free

Merchant Payment

  • Personal Retail to Personal Retail

  • Personal Retail to Merchant (Plus, Lite, and retail)

0.20%

Send money

  • Personal Retail to Customer

5 Taka

Agent Cash Out*

  • Cash back will be disbursed in next working day

  • Cash back will be only applicable if the PRA receives customer payment of 5,000 Taka or more in a month.

Free (up to 5,000 Taka)

1.85% (afterwards)

ATM Cash Out*

  • Cash back will be disbursed in next working day

  • Cash back will be only applicable if the PRA receives customer payment of 5,000 Taka or more in a month.

Free (up to 5,000 Taka)

1.50% (afterwards)

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 don’t receive your Personal Retail Account’s address verification letter
  • Call 16247 in case you cannot access your Personal Retail Account’s self-onboarding tool
  • In case you fail to receive any SMS after providing the address verification code to your Personal Retail Account onboarding tool while updating your account, call 16247
  • 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

Details about Personal Retail Account bonus for accepting digital payment: 

For accepting payment from 20 or unique customers (minimum 50 Taka in 1 payment), a PRA holder will get BDT 100 in a month. If a PRA holder accepts payment from 19 unique customers, he/she won’t receive the bonus