What is the most used payment method in Bangladesh?

Cash, followed by mobile money. Non-digital payments still carried about 67% of total payment value in 2025, while MFS wallets led by bKash and Nagad hold 250 million registered accounts and moved Tk 201,337 crore in April 2026.

Payment by cash in Bangladesh

Cash is still king in Bangladesh, even if digital rails now carry half the transactions. Bangladesh Bank's Payment Systems Report 2025 counts 539.5 crore non-digital transactions worth Tk 209,483 billion, about 67% of total payment value, against 33% for digital.

Payment by bank transfer in Bangladesh

Bangladesh Bank operates four transfer rails. The National Payment Switch Bangladesh (NPSB) is the real-time interbank switch for ATM, POS, QR and account transfers: its IBFT service carried 93.9 million transactions worth about BDT 5.36 trillion in 2025, and total NPSB volume doubled in a year. BEFTN handles batch credits such as salaries and government payments, with 291 million EFT credits worth BDT 8,135 billion, and BD-RTGS settled 12.38 million large-value payments worth BDT 64,984 billion. Internet banking is booming on top of these rails, up 244% in value between July 2023 and April 2026 to Tk 158,917 crore a month.

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