Bangladeshi mobile financial service

bKash is a financial service in Bangladesh that allows users to make financial transactions through their mobile phones. More than depositing money into your mobile accounts, you can also access a range of services, particularly transferring and receiving money domestically. You can also use the app to make payments for your utilities, such as mobile bills—both prepaid and postpaid. bKash operates under the authority of Bangladesh Bank as a subsidiary of BRAC Bank Limited. Note, however, that this app is only available to users living in Bangladesh.

How to get started with the bKash app?

There are two ways to create an account in bKash. You can go to any bKash agent and customer care center and have them set it up for you. Doing so is free and simple. You only need to provide a phone number. After creating your account, you can then proceed to downloading and installing the app. 

If you don’t want to visit an agent, you can set up an account yourself. There is a self-registration feature on the app where you can create yours. However, instead of the phone number, you need to provide your National ID. 

The app is, by default, set up in Bangla, but you can change it to English in the language setting. To see the menu options, you need to click the app logo. Here, you can also choose to enable and disable the voice guideline. More, you can also access the help menu and the quick bKash helpline dialer. 

How to use the app for transactions?

As noted, the bKash app offers convenient banking. With it, you can transfer money from your account or card without setting foot in any bank. You can also recharge your mobile balance and even pay for bills. More, you can use it for shopping. 

Using the app for the above-mentioned transaction is super easy. To check your balance, you only need to click the tap for the balance button, and your update will be displayed within a second. To send money to any bKash number, you only need to tap the send money option. Of course, you need to enter the number or select it from your contacts. 

In case of payments or cashouts, you can use the Scan QR code button on the home screen. You can also put in the merchant’s number to make payments if you don’t want to use QR codes. For more convenience, you can save different agents’ numbers. With this, you can click on them whenever you need to pay. 

You can also request any bKash user to send you money by tapping the request money button. Just add in the number of your contact and put the amount. Users can also make shortcuts to their frequently used transactions to make them faster.

Is bKash safe?

bKash provides its users with a secure platform for any monetary transaction. It uses PIN security protection. With this, nobody can open your account, even if your phone got stolen. As for financial security, the app will automatically log you out after a specific period of inactivity. You will have to log in again with your bKash pin if you want to do some transaction. 

However, while the app does not have security issues, the same cannot be said with its usability. In the recent update, users have reported difficulty in opening the app. They often got an error message whenever they try to log in to their account. More, the app takes ages to provide the token number during payment transaction that it fails. 

The interface has also taken a wrong turn with the update. The login and registration are on the same button. The inbox and transaction list also disappear after updating. bKash also requires the use of your sim. 

Convenient cashless transactions

bKash is a great tool to have if you want a more convenient monetary transaction. With the app, you can send and receive money with a few clicks. More, you can also pay for your bills and shop without needing to shell out cash. There are a few usability issues due to the app’s unintuitive interface, but it’ i a small price to pay with the convenience it provides.