Is there buy now, pay later in Bangladesh?

Mostly as EMI on credit cards and as wallet credit. City Bank's nano loan and Pay Later inside bKash had disbursed more than Tk 50 billion to 1.9 million borrowers by December 2025, while marketplaces such as Daraz offer 0% EMI over 3 or 6 months with partner banks.

Payment by installment and BNPL in Bangladesh

Installments in Bangladesh come in two forms: EMI on credit cards and digital credit inside wallets. Equal monthly installments are a standard card feature, converted after purchase for electronics, furniture and travel. Daraz lists 22 partner banks offering 0% EMI over 3 or 6 months on items above Tk 10,000, and gateways such as SSLCommerz and shurjoPay plug EMI plans from more than 30 banks into online checkouts. With fewer than a million active credit cards, this remains an urban, middle-class product.

Pay Later inside bKash

City Bank's digital nano loan inside the bKash app, launched in 2022, had disbursed more than Tk 50 billion to 1.9 million borrowers by December 2025, in loans of Tk 500 to Tk 50,000. Its Pay Later option lets a customer with an empty wallet pay a merchant and repay within seven days interest-free or in monthly installments. bKash now promotes Pay Later for Bangla QR payments. Standalone buy now, pay later fintechs have stayed small: Pathao's Pay Later, launched in 2021, is confined to its own app, and most lending is regulated as bank credit.

More detail in our #PayWorldTour guide Payment methods in Bangladesh.