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.
Why the bank's property valuation is lower than the market price you agreed to pay
Your home loan is capped as a percentage of the bank's own valuation, not your purchase price, and those two rarely match. Why the gap exists, and who pays for it.
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.
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.
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.
Laghubitta loans in Nepal: why microfinance interest runs higher than a bank's
Microfinance in Nepal charges roughly double a bank's rate. The structural reasons, the NRB caps, the 2082 base-rate switch, and what a borrower should do.
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.
Can a Nepali resident legally buy US stocks? The 2082/83 rules
Can a Nepali resident legally open Interactive Brokers and buy Apple or Tesla shares? What the Investment Abroad Act and NRB rules actually allow in 2082/83.
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.
Why the dollar rate moves in Nepal: how NRB sets the exchange rate
Nepal pegs the rupee to India at 1.60, but the dollar floats. How NRB derives the daily USD rate, why it keeps hitting records, and what you actually pay.
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.
Why FD rates keep changing in Nepal: base rate and the NRB corridor
FD rates fell from 11–12% in 2079/80 to 5–7% now. The base rate, the NRB interest-rate corridor, and the liquidity glut behind the drop, in plain numbers.
Digital wallet limits in Nepal: how much you can load, hold, and send at each KYC tier
Why your eSewa or Khalti transfer got blocked: the NRB caps, the KYC cliff at Rs 5,000, and the exact load, balance, and send limits by verification tier.
Government and citizen savings bonds in Nepal: rates, tenure, and how to buy through NRB
Nepal's treasury bills, development bonds, and citizen savings bonds: what they pay (7 to 12.5%), the Rs 10,000 minimum, and how to buy one through NRB.
Why is the Nepali rupee pegged to the Indian rupee? What the 1.6 rate means for your money
The Nepali rupee has been fixed at 1.60 per Indian rupee since 1993. Why the peg exists, why your dollar buys ~152 rupees and not a fixed number, and the cost.
Crypto and online forex in Nepal: the legal reality, the penalties, and how the scams actually work
What Nepal's Foreign Exchange Act and NRB's 2017–2022 notices actually say on Bitcoin, USDT and Binance — the fines, the jail terms, and how the scams work.
