Banking and payments in Nepal
Savings and salary accounts, the DCGF deposit guarantee, eSewa, Khalti and ConnectIPS, QR payments and their scams, dollar accounts and forex cards, and what to do when money goes to the wrong account. Written around the NRB rules that govern each one.
Start here
- How to Choose a Savings Account in Nepal: Beyond the Interest Rate
- eSewa vs Khalti vs IME Pay: which wallet wins for what in Nepal?
- Is your bank deposit safe? Nepal's Rs 5 lakh deposit insurance, explained
- Digital wallet limits in Nepal: how much you can load, hold, and send at each KYC tier
- Sent money to the wrong number on eSewa or mobile banking? How reversal actually works in Nepal
- 12 min read
The Telegram 'task job' scam in Nepal: how Rs 5,000 in and Rs 8,000 back turned into Rs 14.49 lakh
A Kanchanpur man deposited Rs 5,000, got Rs 8,000 back, and then sent Rs 14.49 lakh chasing a 30% bonus. The like-and-earn ladder step by step, the 1,108 job-fraud complaints a year, and what to do in the first hour.
- 19 min read
Someone offered you Rs 10,000 a month to use your bank account. That makes you a money mule
Lending your bank account for a monthly fee makes you a money mule. The exposure in Nepal: up to 15 years, a fine of twice the amount, and a frozen account.
- 13 min read
The eSewa and Khalti National ID deadline has passed: what happened on 17 October, and what to do now
NRB's end-of-Asoj 2083 wallet National ID deadline passed with no extension and no penalty. What the rule says, what eSewa and Khalti did, and what to do.
- 9 min read
Daraz, COD, and online shopping rights in Nepal: what protection you actually have
Nepal passed a real E-Commerce Act in 2025. What it actually guarantees on Daraz, COD parcels, and wallet payments, and where the law still leaves you exposed.
- 8 min read
Cardless cash withdrawal at Nepali ATMs: how it works and which banks support it
Forgot your debit card? Several Nepali banks let you withdraw ATM cash with just your mobile banking app and an OTP. How it works, the limits, who supports it.
- 7 min read
The FD auto-renewal trap: how your fixed deposit can quietly earn less after maturity
A Nepali FD can auto-renew at today's much lower rate or, by one bank's terms, pay zero interest if you never gave clear instructions. The fine print, decoded.
- 10 min read
Joint bank account rules for married couples in Nepal
Nepali banks default joint accounts to Either-or-Survivor, yet the money still needs a death certificate to move, and nomination stops once an account is joint.
- 8 min read
Is Nepal getting a digital currency? What NRB's CBDC plans mean for your money
NRB has built a digital-currency prototype since 2022 and sent a bill to Parliament in 2026. No pilot exists yet, and eSewa, Khalti and ConnectIPS aren't it.
- 8 min read
What happens to your account and FD when two Nepali banks merge?
When two Nepali banks merge, your account number and FD interest rate stay the same. The one thing that can quietly halve: your Rs 5 lakh deposit guarantee.
- 8 min read
NRN bank accounts in Nepal: what you can open and what you can take back out
An NRN can hold a Nepali-rupee account and a convertible foreign-currency account. What each allows, the USD 5,000 minimum, and which money you can repatriate.
- 9 min read
The cheapest way for your family to receive your remittance in Nepal
The family collecting remittance in Nepal pays no fee — the cost hides in the exchange-rate margin. How to pick the channel and account that keeps the most.
- 9 min read
eSewa vs Khalti vs IME Pay: which wallet wins for what in Nepal?
Khalti and IME Pay merged in 2025, so it is really eSewa vs Khalti by IME now. The limits, fees, cashback, and interest that actually separate Nepal's wallets.
- 12 min read
Bank lockers in Nepal: rent, rules, and whether a safe deposit box is worth it
What a bank locker costs in Nepal: Rs 2,000–17,000 rent, the refundable deposit, who can rent one, and the catch — the bank isn't liable if it's robbed.
- 11 min read
OTP and phishing fraud in Nepal: how bank-account scams actually happen
How OTP and phishing scams empty Nepali bank accounts, the hard truth that no rule forces a refund, and exactly what to do in the first hour after you're hit.
- 11 min read
Paying for Netflix, AWS, or ChatGPT from Nepal: every legal route and what each costs
Nepal allows USD 500/year on a prepaid dollar card, USD 2,000 via a dollar account, and USD 3,000 for IT. Every legal route, the fees, and the grey-market risk.
- 11 min read
Sent money to the wrong number on eSewa or mobile banking? How reversal actually works in Nepal
Completed transfers in Nepal can't be auto-reversed. What works: recipient consent, the 30–45 day wallet dispute window, and NRB's gunaso portal.
- 9 min read
UPI in Nepal, Fonepay QR in India: what cross-border payments actually work in 2026
Indian tourists have paid by UPI in Nepal since March 2024; Nepalis still can't scan QR in India. What's live, what's stuck, and the INR 15,000/day limit.