Best Apps to Send Money to Bangladesh (2026)

What Makes a Good App for Bangladesh Transfers?

For Bangladesh specifically, the best apps share these traits: competitive exchange rates (critical — can vary by 5%), bKash and Nagad support (most recipients prefer mobile wallets), fast delivery (minutes vs days), transparent total cost shown upfront, and a smooth verification process. App store ratings alone do not tell the full story — a 4.9-star app can still give you worse rates than a 4.2-star competitor.

Best Apps to Send Money to Bangladesh: Quick Comparison

Here is a side-by-side summary of the five best money transfer apps for Bangladesh. All support bKash and qualify for the Bangladesh 2.5% government remittance incentive.

• ✓Wise — best exchange rate (mid-market, 0% markup). Fee: ~0.41% via bank transfer. Speed: minutes to bKash, 1–2 days to bank. Best for: regular senders who prioritise value.
• ✓TapTap Send — zero transfer fee. Rate includes a small margin (~0.8–1.5% below mid-market). Speed: minutes to bKash and Nagad. Best for: simple, fee-free transfers.
• ✓Remitly — best for Express speed. Guaranteed bKash delivery in minutes. Fee: £0–£3.99 depending on method. First-transfer promotion can beat Wise on rate temporarily.
• ✓WorldRemit — widest delivery options (bKash, Rocket, bank, cash pickup). First 3 transfers free for new users. Moderate rate margin.
• ✓Ria Money Transfer — fastest bKash delivery (as little as 15 minutes). Trusted global brand. Fee: £0.99–£9. Rate includes a moderate markup.

1. Wise — Best Overall Rate

Wise (formerly TransferWise) consistently offers the best exchange rates for Bangladesh. It uses the real mid-market GBP/BDT rate with zero markup, charging only a small transparent fee (~0.41% via bank transfer). Supports bKash and Nagad in addition to bank accounts.

• ✓Exchange rate: Mid-market (0% markup)
• ✓Fees: ~0.41–1.5% depending on payment method
• ✓Delivery: bKash, Nagad, bank account
• ✓Speed: Minutes to bKash/Nagad, 1–2 days to bank
• ✓App rating: 4.6/5 (App Store), 4.5/5 (Google Play)
• ✓Best for: Regular senders who want the best rate

2. TapTap Send — Best Zero-Fee App

TapTap Send is a mobile-only app built specifically for diaspora communities. It charges zero fees for Bangladesh and manually selects competitive daily rates. It's the simplest app — enter amount, tap send. Supports bKash, Nagad, and Rocket.

• ✓Exchange rate: Competitive daily rate (small margin built in)
• ✓Fees: Zero
• ✓Delivery: bKash, Nagad, Rocket, bank account, cash pickup
• ✓Speed: Minutes to mobile wallets, same day to bank
• ✓App rating: 4.7/5 (App Store)
• ✓Best for: Simple, fast, fee-free transfers. Mobile-only users.

3. Remitly — Best for Express Speed

Remitly is designed for fast transfers. The Express service delivers to bKash within minutes, making it ideal when speed matters. Promotional rates for first-time senders are excellent. Standard rates are decent but check against Wise before committing.

• ✓Exchange rate: Competitive, especially on first transfer promotions
• ✓Fees: £0–£3.99 (Express), lower for Economy
• ✓Delivery: bKash, bank deposit, cash pickup at 9,000+ locations
• ✓Speed: Minutes (Express) or 3–5 days (Economy)
• ✓App rating: 4.8/5 (App Store)
• ✓Best for: When speed matters or for first-time promotional rates

4. WorldRemit — Best for Variety

WorldRemit offers the widest range of delivery options for Bangladesh including bKash, Rocket, bank transfer, and cash pickup. New customers get 3 free transfers. The app is well-designed and easy to use. Rates are decent but not always the best.

• ✓Exchange rate: Moderate markup
• ✓Fees: £0.99–£4.99 (first 3 transfers free)
• ✓Delivery: bKash, Rocket, bank transfer, cash pickup
• ✓Speed: Minutes for mobile money, 2–4 days for bank
• ✓App rating: 4.5/5 (App Store)
• ✓Best for: New users wanting variety and free first transfers

5. Ria Money Transfer — Best for bKash Speed

Ria partners directly with major Bangladesh banks and delivers to bKash within 15 minutes. If bKash delivery speed is your priority and you want a trusted global brand, Ria is a solid choice. Rates include a moderate markup.

• ✓Exchange rate: 0.26–4.81% markup depending on method
• ✓Fees: £0.99–£9 depending on amount and method
• ✓Delivery: bKash (fastest), bank deposit, cash pickup
• ✓Speed: 15 minutes to bKash, 1–5 days to bank
• ✓App rating: 4.7/5 (Google Play), 4.8/5 (App Store)
• ✓Best for: bKash delivery when you need speed and trust a large brand

Apps to Avoid for Bangladesh

Some apps are not suitable or cost significantly more for Bangladesh transfers:

• ✓PayPal / Xoom — poor exchange rates and high fees for Bangladesh
• ✓Your bank's app — worst rates available, typically 3–5% markup plus £20+ wire fee
• ✓Revolut — not optimised for Bangladesh corridor, exchange rate margins can be high
• ✓Cash App / Venmo — US only, does not support Bangladesh

2.5% Government Bonus on All App Transfers

All the apps listed above — Wise, TapTap Send, Remitly, WorldRemit, and Ria — automatically include the Bangladesh government's 2.5% cash incentive on inward remittances. Your recipient gets 2.5% extra on top of the transferred amount. No action needed from you or them. This bonus does not apply to informal transfers.

How Much Does It Actually Cost to Send £500 to Bangladesh?

The advertised fee is only part of the total cost. Exchange rate markup often costs more than the visible fee, and the difference between providers can mean your recipient gets thousands of taka less. When comparing money transfer apps, always check the total amount delivered in BDT, not just the fee. Below is an approximate comparison for sending £500 from the UK to a bKash account. Actual rates change daily, so use a live comparison tool to see today's numbers before you send.

• ✓Wise: low fee (around £2), mid-market exchange rate with zero markup. Typically delivers the most taka per pound.
• ✓TapTap Send: zero fee, small margin built into the exchange rate. Very close to Wise on total value delivered.
• ✓Remitly Express: fee of £0 to £3.99 depending on payment method. Promotional first-transfer rates can beat Wise temporarily.
• ✓WorldRemit: fee of £0.99 to £4.99, moderate rate markup. Three free transfers for new users offset the initial cost.
• ✓Ria: fee of £0.99 to £9 depending on amount. Rate markup varies by corridor and payment method.
• ✓Your bank (wire transfer): typically £15 to £25 fee plus 3 to 5 percent rate markup. The most expensive option by a wide margin.

Common Questions About Sending Money to Bangladesh

If you are sending money to Bangladesh for the first time, you probably have questions about safety, speed, and limits. Here are the answers to the most frequently asked questions about international money transfers to Bangladesh.

• ✓Is it safe to send money online? Yes. All five apps listed above are regulated by the FCA (UK) or equivalent authorities. Your funds are protected by safeguarding rules, meaning they are held separately from the company's own money.
• ✓How long does a transfer to bKash take? Most apps deliver to bKash within minutes. Bank account transfers take 1 to 3 business days. Cash pickup is usually available within hours.
• ✓What are the transfer limits? First-time senders typically face lower limits (£500 to £2,000) until identity verification is complete. After full verification, limits increase to £10,000 or more per transfer depending on the provider.
• ✓Do I need my recipient's bank details? Not for mobile wallet transfers. For bKash you only need the recipient's bKash account number (their mobile number). For Nagad and Rocket, the same applies. Bank transfers require the account number and bank name.
• ✓What documents do I need to verify my account? You will need a valid passport or driving licence, proof of address (utility bill or bank statement), and sometimes a selfie. Most apps complete verification within 24 hours.
• ✓Does the 2.5 percent government bonus apply to app transfers? Yes. The Bangladesh government incentive applies to all inward remittances sent through licensed channels, including Wise, TapTap Send, Remitly, WorldRemit, and Ria. Your recipient gets the bonus automatically.

How to Send Money to Bangladesh Using an App: Step by Step

Sending money to Bangladesh using any of the recommended apps takes under five minutes once your account is verified. Here is how to do it from start to finish.

• ✓1. Download the app — Wise, TapTap Send, Remitly, WorldRemit, or Ria are all free on iOS and Android.
• ✓2. Create an account — email and password, then identity verification. Have your passport or driving licence ready.
• ✓3. Enter the amount you want to send — the app shows you exactly how much BDT your recipient will receive before you confirm.
• ✓4. Choose a delivery method — bKash or Nagad (mobile wallet) for instant delivery, bank account transfer for larger amounts.
• ✓5. Enter your recipient's details — for bKash, only their mobile number is needed. For bank transfers, you need their account number and bank name.
• ✓6. Choose how to pay — bank transfer has the lowest fee; debit card is faster but costs slightly more.
• ✓7. Confirm and send — you get a reference number and your recipient is notified. bKash transfers arrive within minutes.