From deposits to withdrawals — every payment process is fully in Bangla, with the highest level of security.
All payments are secured with SSL 256-bit encryption.
Available deposit and withdrawal methods on Kraiya
Bangladesh's most widely used mobile banking service. Deposit directly from any Mobile Pay account.
Nagad is the postal department's mobile financial service — a government-backed platform for secure transactions.
Rocket is Dutch-Bangla Bank's mobile banking service — one of the oldest and most trusted platforms in the country.
Bank transfer is the safest option for large transactions. All major banks are supported.
Step-by-Step Deposit & Withdrawal Guide
Log in to the Kraiya website or app with your username and password. If you're new, register first.
Tap the "Wallet" or "Deposit" icon at the top of the dashboard. A list of available payment methods will appear.
Select your preferred method — Mobile Pay, Nagad, Rocket, or bank transfer. Each has its own limits and processing time.
Enter the amount you want to deposit — minimum ৳50. Then tap the "Confirm" button.
Send the exact amount to the number or QR code provided by Kraiya. Make sure to enter the reference number correctly.
Your balance is usually updated instantly. If there's an issue, send your payment slip to support.
An incorrect reference number during deposit may delay payment processing. Always make sure to enter the correct reference.
From your dashboard, click the "Withdrawal" or "Withdraw Funds" option.
Choose whether you'd like to receive funds via Mobile Pay, Nagad, Rocket, or bank transfer.
Enter your Mobile Pay/Nagad/Rocket number and the amount you wish to withdraw. Double-check that the number is correct.
An OTP will be sent to your registered number for security purposes. Use it to confirm your withdrawal.
Mobile Pay and Nagad: 3–5 minutes, Rocket: 5–10 minutes, Bank transfer: 1–3 hours.
KYC verification must be completed before making a withdrawal. Your first withdrawal may take an additional 15 minutes to process.
Detailed Comparison of All Payment Methods
| Payment Methods | Minimum Deposit | Maximum Deposit | Withdrawal Limit | Processing Time | Charge |
|---|---|---|---|---|---|
| Mobile Pay | ৳50 | ৳50,000 | ৳50 – ৳30,000 | Instant | Free |
| Nagad | ৳50 | ৳50,000 | ৳50 – ৳25,000 | Instant | Free |
| Rocket | ৳100 | ৳30,000 | ৳100 – ৳20,000 | 1–10 minutes | Free |
| Bank Transfer | ৳5,000 | ৳5,00,000 | ৳5,000 – ৳5,00,000 | 1–3 hours | Free |
* Limits are subject to change. Contact support for the latest information.
How Kraiya protects your money and personal information
All transaction data is protected with bank-grade encryption. No third party can access your information.
Identity verification helps prevent account fraud and unauthorized withdrawals.
OTP verification is required for login and withdrawals. No one can access your account without your phone.
Your payment details and personal information are never shared with any third party.
A few simple tips to make your transactions smoother
When making a deposit, entering the reference number provided by Kraiya correctly is the most important step. An incorrect reference number requires manual verification and will cause delays.
Payments made from your registered number are verified faster. Using someone else's number may cause delays.
Save a screenshot or transaction ID after every payment. You can share it with support if anything goes wrong.
Mobile banking servers can get busy on Friday afternoons or public holidays. A slight delay during these times is normal — there's no need to worry.
Each payment method has a daily limit. Sending above the limit may result in the payment being returned. Use bank transfer for larger amounts.
KYC verification must be completed before you can make a withdrawal. Complete it right after registration so you're not held up when it matters.
Before joining any online platform, the first thing people want to know is how easy it is to deposit money — and whether they can actually get their winnings back. Kraiya takes both questions seriously. That's why the payment system is built so that anyone in Bangladesh can transact easily, from anywhere, at any time.
Mobile Pay is on nearly every phone in Bangladesh. Depositing on Kraiya via Mobile Pay is straightforward enough that even first-timers won't find it confusing. Nagad and Rocket work the same way. For larger transactions, bank transfer is also available.
A common question is: when will my balance show up after a deposit? With Mobile Pay and Nagad, it's usually instant — within 1–2 minutes. Rocket may take a little longer. If your balance hasn't appeared within 30 minutes and the amount has been deducted from your mobile banking account, contact support with your payment slip.
New users sometimes feel uncertain about withdrawing from Kraiya — but it's actually straightforward. Funds are sent directly to the number you registered with. Your first withdrawal requires KYC verification, which takes a little time, but once it's done, all future withdrawals go through much faster.
Kraiya does not charge any deposit or withdrawal fees. However, your mobile banking operator may apply their own service charges, which are outside Kraiya's control. Typically, Mobile Pay charges ৳1.85 per ৳100 for Send Money transactions. Nagad's charges are comparatively lower.
After logging in, your current balance is displayed at the top right of the dashboard. On the mobile app, your balance is always visible on the home screen. You can find a full history of every deposit and withdrawal under the "Transaction History" menu.
Occasionally, network issues or mobile banking server downtime may cause payment delays. If this happens, don't panic — wait 30 minutes first. If the issue persists, contact Kraiya's live chat support with your transaction ID and a screenshot of the payment. Our support team is available 24 hours a day to assist you.
Please Note: Kraiya's payment system is completely secure. Never share your PIN or password with anyone — Kraiya support will never ask for your PIN.
Most frequently asked questions about payments