Cardless cash withdrawal at Nepali ATMs: how it works and which banks support it
Forgot your debit card? Several Nepali banks let you pull cash from an ATM using just your mobile banking app and an OTP. The mechanism, the limits, who supports it.
How to close a bank account in Nepal without losing your balance to a hidden fee
Nepali banks can't charge a closure fee at all, under an NRB consumer-protection rule. The actual process, the myths, and what to check before you sign the form.
The FD auto-renewal trap: how your fixed deposit can quietly earn less after maturity
A Nepali bank 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.
Visa vs Mastercard vs UnionPay: which Nepali debit card actually saves you money abroad
A foreign ATM withdrawal costs USD 2 to USD 5 depending on the bank, not the card network. Which Nepali debit product actually costs least abroad, bank by bank.
Joint bank account rules for married couples in Nepal
Nepali banks default a joint account to Either-or-Survivor, but the money still needs a death certificate to move, and nomination stops once an account is joint.
Torn, burnt, or rat-eaten: how to exchange damaged notes in Nepal, and what NRB refuses
A damaged note with more than half remaining exchanges for full face value, free, at NRB and note-depot banks. The 50% rule, the process, and what gets refused.
Your salary account has perks you're not using: fee waivers, loan discounts, free accident cover
Nepali banks bundle salary accounts with up to Rs 10 lakh accident cover, 1.5x-salary overdrafts, and free demat accounts. What each bank gives, and the fine print.
Is Nepal getting a digital currency? What NRB's CBDC plans mean for your money
NRB has quietly built a digital-currency prototype since 2022 and sent a bill to Parliament in 2026. No pilot exists yet, and eSewa, Khalti, ConnectIPS aren't it.
A 'free' Nepali savings account still drips Rs 1,000-1,500 a year in SMS, debit-card and app fees. But the below-minimum penalty everyone fears doesn't exist here.
Bal Bachat: should you open a bank savings account in your child's name in Nepal?
What a बाल बचत child savings account in Nepal really pays (about 2.75%), the 6% tax on it, the free-insurance add-ons, and when an SIP beats it for college money.
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.
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.
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.
Your bank account went dormant. Here's how to reactivate it in Nepal.
Why a Nepali savings account goes dormant after 3 years of no transactions, the free reactivation steps, and what happens to money nobody claims for 20 years.
Forex card vs cash vs international debit card for travel from Nepal
How much foreign cash you can take abroad from Nepal, why your debit card mostly won't work, and whether a forex travel card or cash is cheaper for a trip.
Does Nepal have a credit score? CIB, your report, and how lenders judge you
Nepal has a 60–960 credit score through CIB, but the CIBIL-style consumer score is still being built. How lenders judge you, and how to read your own report.
Loan processing fees and hidden charges in Nepal: the real cost of borrowing
The 0.75% service fee NRB caps, plus valuation, CIB, insurance, penal interest, and swap charges that turn an advertised rate into the real cost of a loan.
FD rates have fallen across Nepal: where do you actually park money now?
Bank FD rates in Nepal have slid from ~11% to about 4%, and the real return after tax and inflation is now negative. Where your money can actually keep up.
Loan rates are dropping too: how to get your bank to cut your home-loan premium
Bank lending rates in Nepal have fallen from 13% to under 7%. Your floating loan should follow, but the premium is where the money hides. How to get it cut.
What happens if you can't pay your loan EMI in Nepal?
Missing an EMI doesn't mean the bank seizes your house overnight. The real timeline from a missed installment to penal interest, CIB blacklist, and auction.
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.
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.
Is your bank deposit safe? Nepal's Rs 5 lakh deposit insurance, explained
Bank deposits in Nepal are guaranteed up to Rs 5,00,000 per person per bank by the DCGF — but only at NRB-licensed banks, not co-operatives. What's covered.
Breaking an FD early in Nepal: how much interest you actually lose
Break an FD early and the bank pays the lower completed-period rate minus a 1–3% penalty, so your yield can slip below a savings account. The loss math inside.
