99khela Deposit Guide for bKash, Nagad and Rocket

A top up takes about a minute once your wallet has the balance. This walkthrough covers the cashier screen, the four wallets we accept, the ৳450 minimum and the exact taps inside each app. By the end you will know what clears straight away, what gets stuck, and who to message when a transfer hangs halfway.

Smallest top up
৳450
Money in balance
1 min
Smallest cash out
৳700
Cash out to wallet
29 min
Hands holding a phone while a bKash transfer is confirmed for a 99khela deposit
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  • bKash · Nagad · Rocket · Upay
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What you need in place before the first taka

Most failed deposits are not payment faults. They are small details that were wrong before the money left the phone. Four things should be true before you tap send.

  • A wallet in your own name. bKash, Nagad, Rocket or Upay, registered to you and not to a brother or a cousin. A relative's wallet can still send money, but the name on the transfer will not match the name on the account, and the cash goes back where it came from.
  • A balance with a little margin. ৳450 is the floor for a top up, but the wallet also takes its own sending charge. Leave a few extra taka in the wallet so the transfer does not bounce at the last screen.
  • The same number saved on your 99khela profile. If you send from a different number than the one on your account, the deposit can sit unmatched until someone looks at it by hand.
  • Your PIN and a steady connection. The wallet app asks for the PIN on the final screen. If mobile data drops between Send and Confirm, the transfer can time out while the money has already left your side.

Four wallets, one cashier screen

Every method below uses the same deposit screen and the same ৳450 minimum. What changes is which app opens when you confirm, and how quickly that app's own SMS arrives. The times shown are typical: a wallet outage or a busy evening can add a few minutes, so treat them as a guide rather than a stopwatch.

  • bKash

    Smallest top up৳450

    Money in balanceAbout 1 min

    Smallest cash out৳700

    Cash out to walletAbout 29 min

  • Nagad

    Smallest top up৳450

    Money in balanceAbout 1 min

    Smallest cash out৳700

    Cash out to walletAbout 29 min

  • Rocket

    Smallest top up৳450

    Money in balanceAbout 1 min

    Smallest cash out৳700

    Cash out to walletAbout 29 min

  • Upay

    Smallest top up৳450

    Money in balanceAbout 1 min

    Smallest cash out৳700

    Cash out to walletAbout 29 min

Cash out timings are listed next to the deposit timings on purpose. A wallet that takes your money quickly but cannot receive a payout is not much use, and all four of these move money in both directions.

99khela deposit steps on a phone

The flow below works in a mobile browser and inside the app. The wording on the buttons shifts slightly between the two, but the order of screens is the same.

  1. Sign in and open the deposit screen

    Log in with the mobile number and password you set at sign up, then tap Deposit in the top bar. The cashier opens with your balance and the four wallets in one view.

  2. Choose the wallet you actually have open

    Pick bKash, Nagad, Rocket or Upay. The screen shows the wallet number to send to and reminds you of the ৳450 minimum. Copy that number instead of typing it from memory.

  3. Type the amount and decide on the bonus

    Anything from ৳450 up to the limit your wallet allows. On a first deposit there is a 150% welcome offer to tick, capped at ৳15,000 and carrying 20x wagering. Leave the box alone if you would rather keep the balance free of conditions.

  4. Confirm inside the wallet app

    Your wallet opens with the number already filled in. Check the last four digits, enter the amount, add the reference the cashier displays if that field exists, then send and enter your PIN. The wallet replies with an SMS containing a TrxID.

  5. Watch the balance, not the loading spinner

    Most top ups land inside a minute. If the balance has not moved after five, do not send a second time. Copy the TrxID from the SMS and open live chat, which is staffed around the clock.

How each wallet flow looks in practice

Each wallet has its own habit of confirming a payment. Knowing that habit saves the ten minutes you would otherwise spend wondering whether the money went through.

bKash: Send Money, not Payment

Open bKash, choose Send Money, paste the number from the cashier and enter the amount. If the app offers a reference field, use the code the cashier shows you. Confirm with your PIN, then keep the SMS open until the balance on our side changes. The TrxID in that message is the only thing live chat needs if something goes wrong.

Nagad: mind the charge shown before you confirm

Nagad asks for the same three things: number, amount, PIN. It also breaks out the sender's charge on the confirmation screen, so read that line before you press send. If you sent exactly ৳450 and the wallet deducted its fee from the transfer, the deposit can arrive short of the minimum.

Rocket: the long number needs copying, not typing

Rocket works from the app and from the *247# menu, and its numbers run longer than the other two. One wrong digit sends money to a stranger who has no reason to return it. Paste the number, read it back on the confirmation screen, and only then enter the PIN.

Upay: keep the app current

Upay follows the same Send Money pattern and is usually the quickest of the four to open. Older builds of the app sometimes fail to deliver the confirmation SMS, so update it from the store if the message never shows up after a successful transfer.

Timings, limits and the minimum that counts

One table covers the numbers people ask about most. The ৳450 floor applies to every wallet, and the payout side is identical across the four.

Wallet Smallest top up Money in balance Smallest cash out Cash out to wallet
bKash ৳450 About 1 min ৳700 About 29 min
Nagad ৳450 About 1 min ৳700 About 29 min
Rocket ৳450 About 1 min ৳700 About 29 min
Upay ৳450 About 1 min ৳700 About 29 min

Cash out requests can go up to ৳235,000 a day. The first one is checked by a person, which takes up to 6 hours, and needs a photo of your national ID card, passport or driving licence. Later requests normally clear in the 29 minutes shown above. The full sequence is on the withdrawal guide.

When the balance does not move

Six situations account for nearly every stuck deposit. Find yours, do the fix once, and resist the urge to send the same amount again.

  • Money left the wallet, balance still at zero. The most common cause is a transfer to a personal number rather than the one the cashier displayed. Open live chat with the TrxID from your SMS. A misrouted deposit is traced and returned to the wallet it came from, but it will not appear as credit on the account.
  • The amount was under the floor. A ৳300 transfer creates a record that never credits, because ৳450 is the smallest accepted top up. Send the difference as a fresh deposit rather than waiting on the old one.
  • The wallet belongs to someone else. Family wallets are common in Bangladesh and they are the second biggest source of pending deposits. Send from a wallet registered in your own name so the transfer and the account match.
  • The app closed mid-transfer. If the wallet screen vanished before you confirmed, wait for the SMS before doing anything. No SMS means no transfer, and the pending record on our side clears itself.
  • The balance was a few taka short after charges. Wallets deduct their own fee, so ৳450 plus the fee is what needs to sit in the wallet. Top the wallet up first, then deposit.
  • The bonus never appeared. Check whether the welcome offer box was ticked on the deposit screen. Live chat can look at the record, but nine times out of ten the box was left empty.

Keep the PIN inside the wallet app

No one from 99khela will ask for your wallet PIN or the six-digit code sent by SMS. Live chat asks for a TrxID and, at most, the amount and time of the transfer. Anything more is someone pretending to be us.

Log out of the wallet before handing a phone to a friend, and use the site only from a browser tab you opened yourself rather than a link in a message. Deposits made on the account are visible in the cashier history, so you can always check the last transfer without leaving the page.

What lands on top of your first top up

A first deposit can carry a 150% welcome offer, capped at ৳15,000, with 20x wagering on the bonus amount before it converts. Later top ups qualify for a 15% reload, and play on the site returns 1.6% as daily cashback.

The offer is optional and it changes how the balance behaves, so read the terms on the bonus and VIP page before ticking the box on a large transfer. A clean deposit with no bonus is easier to withdraw and often the better choice if you plan to cash out soon.

Questions about the 99khela deposit flow

Not answered here? The Help Center carries the longer replies, and live chat stays open 24/7.

How long does a 99khela deposit take?
About a minute from the moment you confirm inside the wallet. The delay you feel is usually the wallet's own SMS arriving late, not the credit itself. If five minutes pass with no change to the balance, treat it as a stuck transfer and contact live chat rather than sending again.
Is ৳450 the smallest amount I can send?
Yes. ৳450 is the minimum deposit on all four wallets. Smaller transfers reach us as a record that never credits, so nothing is added to the balance and nothing is lost on our side, but the money sits in the wallet until it is returned.
My bKash transfer failed but the money left my wallet. Where is it?
Either it went to a personal number instead of the cashier number, or the wallet flagged the transfer after you confirmed. Send live chat the TrxID from the SMS and the amount. A misrouted transfer is traced and pushed back to your wallet; it cannot be converted into balance once it has gone to the wrong number.
Can I deposit from a friend's Nagad account?
You can send the money, but the deposit may be held because the sender's name does not match the account holder. Use a wallet registered in your own name. It is quicker than a manual review and it keeps the cash out path open later.
I sent the same amount twice by mistake. Will both count?
Both transfers are separate deposits and both land in the balance. What you should avoid is sending a second transfer while the first is still unconfirmed, because that is how people pay twice for one top up. Wait for the SMS, then decide.
What is the 99khela deposit bonus worth?
The welcome offer adds 150% to a first deposit up to ৳15,000, with 20x wagering before the bonus can be withdrawn. Later deposits can take a 15% reload, and daily cashback returns 1.6% of play. All of it is optional at the deposit screen.
Do I need documents before my first deposit?
No. You can deposit and play with no paperwork. Documents are asked for before the first cash out: a national ID card, passport or driving licence, checked within 6 hours of sending.
Can I top up in the app instead of the browser?
Yes, and the cashier is identical. The app is free, version 3.0.5, a 41 MB download for Android 8.0 and above. Install it from the app page if you want the deposit screen one tap from the home screen.

Open an account and send your first ৳450

Registration takes a mobile number and a password, and the deposit screen is waiting straight after. Bring a wallet with taka in it, pick the method you already use, and the balance moves in about a minute. If you have a 99khela account already, log in and skip to step two.

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