Dmoney is a financial technology service provider with a mission to reach a large segment of the citizenry of the country in order to provide seamless and secure Digital Financial and Lifestyle Services.
Dmoney is a Bangladeshi Company. Reputed businessman and technology leaders have founded this company in 2016.
Dmoney is available both in IOS and Android. You can download Dmoney from app store or Play store based on your platform.
App Store Download Link: https://apps.apple.com/us/app/dmoney/id1441277786
Play store Download link: https://play.google.com/store/apps/details?id=com.dmoneybd.dcustomer.dm
Dmoney is only available in Bangladesh. Users outside Bangladesh will not be able to download or use Dmoney.
Dmoney runs on devices running Android version 4.1 or later and iOS version 9 or later.
Anyone with bank account, NID, email address and mobile number can be Dmoney user. The user must be 18+ years of age and Bangladeshi Citizen.
In order to register for Dmoney account, one must install Dmoney app from app store/ play store. Anyone with NID, active mobile number, email address and bank account information can self-register Dmoney. Dmoney will activate customer account upon verification of photo, NID and Bank Account.
Your NID, email, wallet number (mobile number) and at least a bank need to be verified to activate your account. Usually email can be verified instantly where the user needs to activate the email Dmoney sends. The wallet ID can be verified through entering the OTP (One Time Password) that Dmoney sends to the mobile number, the wallet has been opened. Dmoney internally verifies the NID with National database. You bank account verification takes 3-5 working days where Dmoney will send a randomly generated fraction amount in your bank account. You have to check the amount from your account and have to enter the amount in Dmoney app to successfully verify the account.
One user can have only one Dmoney account against his/her NID.
You are required to upload your NID image (front side) and your photo during Dmoney registration.
You can login Dmoney wallet using your wallet ID and 4-digit PIN. Your mobile number will work as user Wallet ID.
The feature of adding balance in wallet is called “Add". You can add balance in your wallet either from your card (Debit/Credit) or you can add from your verified bank account. Adding balance from card is real time; from bank account may take 3-5 working days.
Adding balance from bank account is completely free. However, payment gateway charge is applicable for adding balance from card. Currently the charge is 2.1% of refill amount for VISA and MasterCard and 3.7% from American Express Card.
Yes, you can withdraw money from your wallet to your verified bank account or any other bank account. Before withdrawal, you have to add the bank account as beneficiary account.
Usually it takes 3-5 working days to withdraw money.
Yes. You can add multiple bank accounts. Each account addition will require bank verification.
No. Currently there is no option to send money to other MFS and Wallet.
Yes, you can. Just press “Send” and enter “recipient number” and “submit”. The transaction will be completed after OTP verification.
Dmoney’s notification system is fully configurable. All notifications are send via SMS, app and email. However, users can configure if they do not want to receive SMS notification. All notifications are stored in the app also in the top right corner (Bell like icon).
Anyone living in Bangladesh with NID, Bank account and Mobile number can register Dmoney wallet. However currently Dmoney ecosystem such as services, bill payments and merchants are centered in Dhaka. Yet users may avail services like mobile top up, e-commerce, Send Money nationwide.
Yes. You can send money to a bank account not owned and verified by you. To do so, you have to click “Beneficiary” from menu and then add account details of the beneficiary. Now you can select the beneficiary account from withdraw option and send money. This way you can send money from your Dmoney app to any schedule bank of the country. The transfer may take 3~5 working days.
No. Currently you cannot withdraw your Dmoney balance from any ATM.
| Service Name | Per Transaction Limit | Daily Transaction Count | Daily Transaction Volume | Monthly Transaction Count | Monthly Transaction Volume | |
|---|---|---|---|---|---|---|
| Min | Max | Max | Max | Max | Max | |
| Add Money (From Bank) | 10 | 50,000 | 10 | 100,000 | 100 | 400,000 |
| Add Money (From Card/Gateway) | 10 | 50,000 | 10 | 100,000 | 100 | 400,000 |
| Transfer to Bank | 10 | 50,000 | 10 | 100,000 | 100 | 400,000 |
| Send Money | 10 | 100,000 | 100 | 100,000 | 500 | 400,000 |
| Request Money | 10 | 100,000 | 100 | 100,000 | 500 | 400,000 |
| Merchant Pay | 1 | 400,000 | 100 | 400,000 | 500 | 400,000 |
| Bill Pay | 1 | 100,000 | 100 | 100,000 | 500 | 400,000 |
| Top-up | 10 | Prepaid - 1,000 Postpard - 5,000 |
100 | 5,000 | 500 | 150,000 |
Yes; Currently you can refill from any VISA, MasterCard and American Express Card. However, cards other than above cannot be used to add money in your wallet currently.
You can view your previous transaction history from Dmoney app under “History” menu.
After successful wallet load, no transaction is returnable. Payment is only refundable on the condition that the payment was successfully debited by the user’s bank or payment processor but service has not been provided. If payment is debited and service is provided then the respective amount is not refundable.
Dmoney is brining diversified services in its app for its users. Currently available services are-
Our service portfolio is continuously growing. Apart from the above services, Dmoney have unique features for its users-
Please see fees of Dmoney -
| List of Services | Fee & Charges |
|---|---|
| Add Money from Bank | Free |
| Add Money from Card | Gateway charge applicable |
| Withdraw to Bank | 1.5% |
| Send Money | Free |
| Request Money | Free |
| Merchant Pay | Free |
| Top-up | Free |
You can simply reset your PIN by clicking “Forget PIN” option from the login page. You need to follow the following steps for reset your PIN.
Step1: enter your registered email address (email must be verified)
Step2: click forget PIN option
Step3: you will get a PIN reset link to your email address
Step4: Click on the link and you will be routed to Reset PIN page
Step5: Enter new PIN and Re-Enter again
You will get a successful pop up for PIN reset.
It is easy to raise any dispute against any transaction from Dmoney app. To raise dispute, go to “History” and then click details of the transaction you wish to raise dispute. Click “Raise Dispute” to raise dispute. This method of raising any dispute is available up to 3 days after a transaction. Alternatively,
As a customer you can raise complain in multiple ways-
No. Each time, you login from a new device you will receive an OTP. After successful OTP verification new device will be added. You can add up to 5 devices as trusted device. In case you are adding more devices, please delete any unused device. You cannot add more than 5 devices at time.
You can reach our 24X7 hotline @ +880-9638-668899.