bd399 Deposit Guide: Top Up From Your Phone in About a Minute
Read this page once and you will know which method to pick, what each screen asks you for, and what to do when a transfer stalls instead of landing. Every amount and timing below is the same figure you will see inside your account.
Have these four things ready
- A mobile wallet or bank account in your own name, not a relative's.
- At least ৳350 to send, which is the floor on every method.
- The transaction ID from your wallet's final confirmation screen.
- Your bd399 account open in a browser tab or in the app.
Before You Send: The Four Facts That Matter
Four things decide whether a top-up clears on the first attempt: the amount you type, the method you choose, the name on the wallet, and whether you paste the transaction ID afterwards. Get those right and your bd399 balance updates in about a minute. Miss one and the transfer can sit outside your account while your wallet already shows it as sent.
Start with the amount. The floor is ৳350, and it is the same floor for bKash, Nagad, Rocket, Upay and bank transfer. You are free to send more, but anything below ৳350 will not register against your account, so it is worth typing the number carefully the first time.
Then the name. Use a wallet registered to you. Payment records are checked when you ask for a withdrawal, and a name that does not match your account is a common reason a cash-out gets held for review while the support team asks questions. Keeping the wallet and the account under one name avoids that entirely.
Last, the transaction ID. Every wallet shows a short reference after a successful send. The deposit form wants that exact string, not the amount, not the time, and not the merchant number. Copy it before you close the wallet app, because some wallets bury it two screens deep once you leave the confirmation page.
Method, Floor and Speed Compared
| Method | Minimum deposit | Time to credit | Best used when |
|---|---|---|---|
| bKash | ৳350 | About 1 minute | You already keep your day-to-day balance in a wallet and want the transfer done on the same phone. |
| Nagad | ৳350 | About 1 minute | The wallet you use is already verified and you prefer its menu layout. |
| Rocket | ৳350 | About 1 minute | You have a Rocket account from before and do not want to open another wallet. |
| Upay | ৳350 | About 1 minute | Your phone is short on space and you want the lightest app on the list. |
| Bank Transfer | ৳350 | About 1 minute | You are moving a larger amount and want a bank record of the payment. |
Credit time counts from the moment the payment is confirmed on your side, not from the moment you open the form. Your wallet provider sets its own send-money charges; those are shown in its app before you approve, and they are separate from the amount that reaches your account. Cash-outs run on a different flow with their own minimum of ৳600 and a typical wait of about 35 minutes, covered on the withdrawal and KYC guide.
The bKash Run, Step by Step
This is the pattern for a mobile wallet deposit. Nagad, Rocket and Upay follow the same five moves with different labels on the buttons.
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Open the deposit page inside your account
Log in, then choose deposit from the account menu. If you are not logged in yet, the login page takes you back to this step afterwards. Do not start a transfer before the form is open on your screen, because the merchant number is generated per session.
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Type the amount in taka
Enter ৳350 or more, with no commas and no currency symbol. The form shows the same number back to you before you continue. If you plan to claim the welcome bonus, tick the bonus box now rather than after the transfer.
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Copy the payment number exactly as shown
The panel gives you a number to send to. Copy it with the button provided instead of reading it across, because a single mistyped digit sends your money to a stranger and nothing reaches your account. The number stays valid for the session you are in.
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Approve the send inside the wallet app
Open bKash, pick send money, paste the number, enter the same amount, and confirm with your PIN. Read the name shown on the confirmation screen once before you approve. Keep the wallet app open until it gives you a success message with a transaction ID.
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Paste the transaction ID and submit
Return to the deposit form, paste the ID into the reference field and submit. Your balance normally updates in about a minute. If the screen still shows the deposit as waiting after several minutes, do not send a second transfer; hand the ID to live chat instead.
What a Clean Deposit Screen Looks Like
A tidy form has the amount at the top, the method tiles below it, then the payment number, and finally the reference box. Fill them in that order and you will not lose your place on a small screen.
Two habits save most people a support message. Paste rather than retype, and finish the whole flow in one sitting. A form left open overnight can expire, and the number you copied in the morning may no longer be attached to your session when you return in the evening.
If you deposit often, install the app so the form sits one tap from your home screen instead of behind a browser login. The app download page covers the install for Android, and the deposit screen inside the app is the same layout described here.
Nagad, Rocket, Upay and Bank: Where They Differ
Nagad
Nagad uses the same three fields as bKash: amount, payment number, PIN. Nothing about the deposit form changes, so if you have sent money through Nagad before, the flow will feel familiar. On a busy evening when one wallet's requests are timing out, trying a different wallet is a better move than resending the same request.
- Floor ৳350
- Credit about 1 minute
- Field to copy transaction ID
Rocket
Rocket works the same way, with one detail that catches people out: its message and confirmation screens show more than one number. Use the transaction ID from the final confirmation, not a reference line printed above it. If the form rejects the string, the fastest fix is usually to open the message again and copy from the last line.
- Floor ৳350
- Credit about 1 minute
- Watch for several reference numbers
Upay
Upay is the lightest of the wallet apps, which helps on an older handset or a slow connection. The steps are unchanged, and the minimum is the same ৳350. Because the app is smaller, keep it open until the confirmation appears; closing it early can hide the message that carries your transaction ID.
- Floor ৳350
- Credit about 1 minute
- Good for older phones
Bank Transfer
Bank transfer suits amounts you would rather not keep in a wallet, and anyone who wants the payment visible on a statement. Once your bank confirms the transfer, credit is about a minute, the same as the wallets. Start it before your bank's daily cut-off if you want it out on the same day, and copy the reference number your bank issues into the deposit form.
- Floor ৳350
- Credit about 1 minute
- Good for larger amounts
When the Money Does Not Arrive
Most stalled deposits fall into a handful of patterns, and nearly all of them are fixed without a refund. Work down this table before you send anything twice, because a duplicate transfer is the one mistake that takes longest to untangle.
| What you see | Why it usually happens | What to do |
|---|---|---|
| Wallet says sent, balance unchanged | The transaction ID was never submitted on the form | Paste the ID and submit in the same session; credit follows in about a minute. |
| Form rejects the reference | Extra space, missing character or a reference line instead of the ID | Copy again from the final confirmation screen and retry once. |
| Amount below minimum | You typed less than ৳350 | Send ৳350 or more; smaller amounts cannot be posted to the account. |
| Payment number rejected by the wallet | The number was typed by hand instead of pasted | Reopen the deposit form and copy the number with the copy button. |
| Deposit sits as pending | Your wallet flagged the transfer for a routine check | Wait, then send the transaction ID to live chat; do not send a second payment. |
| Withdrawal blocked later | The money came from someone else's wallet | Deposit only from your own account so the names line up at cash-out. |
Support runs as 24/7 live chat. Have three things ready before you open it: the amount, the payment number you sent to, and the transaction ID. With those, a stuck deposit is usually traced on the first reply.
What Your First Top-Up Unlocks
Questions That Come Up at the Deposit Screen
How long should a bd399 deposit take?
Credit normally lands in about a minute after you submit the transaction ID on the form. If the balance has not moved after ten minutes, open live chat with the ID rather than sending the money again.
What is the smallest amount I can send?
৳350, on every method including bKash, Nagad, Rocket, Upay and bank transfer. Anything below that cannot be posted to your account, so it is better to round up than to try a smaller test amount.
My wallet shows the money left but bd399 does not.
That usually means the transfer never made it back to the deposit form. Go back to the form, paste the transaction ID, and submit. If the form has since closed, send the ID to 24/7 live chat and hold off on a second transfer until you get a reply.
Do I need to verify my ID before depositing?
No. You can deposit before verification. Identity checks come before your first withdrawal, and the review usually takes about 2 hours once a National ID card, passport or driving licence has been uploaded.
Can I deposit from a friend's or family member's wallet?
Do not. Payments are matched against your account when you withdraw, and a wallet in another person's name is a standard reason a cash-out gets held. Keep the wallet, the account and the ID documents under one name from the start.
Is the 225% bonus added automatically?
No, you choose it. Tick the bonus option on the deposit screen before you confirm the transfer. The cap is ৳21,000 and the wagering requirement is 24×, with the bonus valid for 7 days.
Register, Deposit, Play
Open an account, log in, and send your first ৳350 through whichever wallet you already trust. The deposit form walks you through the three fields, and the balance updates in about a minute. If anything looks different from this page, live chat can check the specific payment against your account.