Quick Summary: The Easiest Way
The absolute easiest and most direct method for most people is using your bank's Internet Banking or Mobile Banking App. It's fast, available 24/7, and you can do it from home.
Method 1: Using Your Bank's Internet/Mobile Banking App (Recommended)
This is the most popular method. Almost all major banks in Bangladesh have integrated "Send Money to MFS" features into their apps and websites.
BKash Nagad Rocket Easy Way 2026:
Step-by-Step Guide:
Log In: Open your bank's mobile app or website and log in with your credentials.
Find the Option: Look for a menu option named like:
"Send to bKash/Nagad/Rocket"
"Mobile Top-Up" or "Recharge"
"Utility Bill Payment" (sometimes it's listed here)
Enter Details:
Select the Service: Choose bKash, Nagad, or Rocket.
Recipient Number: Enter the 11-digit mobile number linked to the MFS account.
Amount: Enter the amount you want to send.
Confirm and Authenticate: You will be asked to confirm the transaction. You'll likely need to enter an OTP (One Time Password) sent to your registered mobile number with the bank to authorize the payment.
Completion: Once confirmed, the money will be transferred to the recipient's bKash/Nagad/Rocket account almost instantly.
Typical Transaction Costs (2026):
bKash: Around 4.99% to 5.99% of the sent amount (with a minimum charge).
Nagad: Around 4.99% to 5.5% of the sent amount.
Rocket: Around 4.5% to 5.5% of the sent amount.
Pro Tip: Some banks offer promotional periods with lower or zero fees, so always check the exact charge on the confirmation screen before proceeding.
Method 2: Using USSD Code from Your Mobile Phone
This method doesn't require a smartphone or internet, just your basic mobile phone.
How it Works:
You dial a specific USSD code from the mobile number that is linked to your bank account.
General Steps (Code varies by bank):
Find your bank's specific USSD code for MFS transfer (e.g., *322# for DBBL, *841# for Brac Bank, etc.). Your bank can provide this code.
Dial the code from your phone.
A menu will appear. Navigate to options like "Transfer," "Send Money," or "bKash/Nagad/Rocket."
Follow the on-screen instructions to enter:
The recipient's MFS number.
The amount.
Your bank account PIN to confirm.
Charges: Similar to the internet banking method.
Method 3: Through an Agent (bKash/Nagad/Rocket Agent)
While less common for bank-to-MFS transfers, you can still do it indirectly.
How it Works:
You first withdraw cash from your bank (via ATM or counter).
You then go to a bKash/Nagad/Rocket agent.
You give the agent the cash and the recipient's mobile number.
The agent sends the money to that number from their agent account.
Disadvantages:
Involves two steps (withdraw cash, then go to agent).
You have to physically go to an agent location.
The agent may charge a small fee on top of the standard cash-out charge.
Security Tips & Important Notes for 2026
Beware of Scams: Never share your Bank PIN, App Password, or OTP with anyone. Bank or MFS officials will never ask for these.
Double-Check the Number: Always verify the recipient's mobile number before confirming the transaction. Sending to a wrong number is often irreversible.
Keep Transaction Records: Save the SMS confirmation you receive as proof of payment.
Check for Limits: Be aware of your bank's daily transaction limits and the MFS's receiving limits.
Use Trusted Networks: When using internet banking, avoid public Wi-Fi. Use your mobile data or a secure, private connection.
