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Your bay99 account connects to local wallets — Nagad, Upay, bKash and Rocket — so your balance moves through payment rails you already use on your phone. Every deposit and withdrawal goes through the cashier section inside your account, where the fields, limits and wallet-matching steps are shown in plain terms. Availability depends on your local law and eligible region.
When you want to add funds, the cashier section inside your account lists every payment route available to you. Select the wallet that matches what you have on your phone — Nagad and Upay are verified on our end, and bKash and Rocket appear as configured options for supported regions. The amount field shows the range your account tier allows; enter a figure within that range and confirm.
Log in, then navigate to the banking or cashier section from your account menu.
Select Nagad, Upay, bKash or Rocket from the list of available deposit routes shown in the cashier.
Type the deposit amount within the range shown on screen, then confirm the transaction details before submitting.
Complete the payment step inside your wallet app or mobile banking screen, then return to your account to confirm the balance update.
Withdrawals follow a path you control from inside your account. Open the withdrawal section, choose the wallet you want to receive the funds — Nagad and Upay are the verified payout rails on our side — and enter the amount you wish to move.
From the account menu, select the withdrawal option inside the banking or cashier section.
Choose Nagad or Upay as your destination; confirm the wallet number matches your registered details.
Type the amount within the limit range shown. The screen will display any minimum or account-tier condition that applies.
If an identity or wallet-ownership step appears, complete it as instructed before submitting the withdrawal request.
Some account actions — particularly first withdrawals or high-value transactions — may trigger a verification prompt inside your account. What that prompt asks for depends on the fields shown to you at that moment; we do not publish a single fixed document list because the requirements can vary by account activity and region. When a check is required, your account page will display clear instructions for what to submit and where.
A verification notice appears inside your account when an action requires a check. Follow the fields shown on that screen.
You may be asked to confirm that the wallet number registered to your account belongs to you — complete this step as instructed.
If an identity field appears, supply only what the screen requests. Do not submit documents through any channel other than the one shown.
If the verification screen shows an error or does not progress, reach the support team through the published contact route in your account.
The payment routes configured for your account connect to the wallets and banking options that are standard for Bangladesh. Nagad and Upay carry verified transaction evidence on our side. bKash and Rocket appear as further options for supported regions. Bank Transfer is available for accounts where wallet-based routes are not the preferred path. Each method is listed inside the cashier with its own set of fields and limits; the cashier screen is your accurate reference for what is currently active on your account.
Verified deposit and withdrawal rail. Select Nagad in the cashier and complete the authorisation step inside your Nagad app.
Verified payout route. Upay withdrawals carry confirmed transaction records on the bay99 side; match your wallet number carefully.
Configured wallet option for supported regions. Deposit via bKash by selecting it in the cashier and following the on-screen amount fields.
Available for deposits where the cashier shows it as active. Confirm your Rocket wallet number matches the one registered to your account.
Available for accounts where direct bank routing is preferred. Check the cashier for the account details and reference format required.
Every deposit and withdrawal on your bay99 account generates a record that sits in your transaction history. That record carries a reference number, a status label and a timestamp. When you complete a payment through Nagad or Upay, your wallet app also generates its own transaction reference. Checking that both references exist — one on the wallet side, one in your bay99 history — is the practical way to confirm a transaction completed correctly.
Each transaction in your bay99 history carries a unique reference number. Copy this number before contacting support — it is the fastest way to locate the transaction on our side.
Transaction statuses — pending, processing, completed, declined — are shown in your history log. A pending label means the transaction has not yet settled on both sides.
Open the transaction history section in your account to see every deposit and withdrawal with its amount, method, date and current status listed in order.
Save your wallet app confirmation screenshot and the bay99 transaction reference until the status shows completed. These two items together are what support needs to investigate a mismatch.
Account and transaction safety on bay99 starts with the domain itself. Before entering any payment detail, confirm the address in your browser reads bay99 — this is the only domain we operate from. Any page asking for your wallet credentials on a different domain is not us. Beyond the domain check, your account uses an identity layer that connects your login to the phone number and wallet registered at sign-up, which means a withdrawal can only be routed to a wallet you have already confirmed as yours.
Before submitting any payment, confirm your browser shows bay99 in the address bar. This is the only domain through which your account cashier operates. Do not enter wallet details on any other address.
Withdrawals on your account route only to a wallet number confirmed as yours during account setup or a completed verification step. Changing the wallet number triggers a fresh confirmation prompt.
Your account ties your login credentials to a registered phone number and verified wallet. A payment request that does not match your registered details is held for a manual account review rather than processed automatically.
For any transaction concern — a mismatch, a delayed status update or an unrecognised charge — use only the support contact route shown inside your account. Note your transaction reference before reaching out.
Below are the banking questions we hear most often. Each answer reflects how the account cashier and payment rails actually work — not a general estimate. If your situation is not covered here, the support route inside your account is the right next step for account-specific queries.
The cashier in your account shows the active options for your region. Nagad and Upay carry verified records on our side. bKash and Rocket are configured options where available. Bank Transfer is also listed for eligible accounts. Check the cashier for the current active list.
Open your transaction history and check the status label. If it shows pending, the payment is still settling between the wallet and account side. Note your Nagad transaction reference and contact support through the in-account route if the status does not update after a reasonable wait.
Withdrawals route to the wallet number confirmed on your account. Changing to a different Upay number requires completing the wallet ownership confirmation step shown in your account settings. Follow that prompt before submitting a withdrawal to the new number.
Your account may request a check on first withdrawals, after a wallet number change, or when the amount falls outside your usual pattern. The prompt appears inside your account and tells you exactly what to confirm. Follow those fields as shown rather than contacting support first.
The minimum is displayed in the deposit field of the cashier for each payment method. We do not publish a fixed figure here because it can vary by method and account tier. Open the cashier, select your wallet and the range will appear in the amount field before you submit.
First check your wallet app transaction log to confirm no credit has arrived. Then copy the bay99 withdrawal reference number from your history and contact account support through the published in-account route. Provide the reference number and your wallet number so the team can locate the record quickly.