Load Fund

How to load fund in Khalti account?

After you create a Khalti account, you can load fund easily and instantly. You can load money in using these methods: - Mobile Banking - Internet Banking (E-Banking) - Visa/Master/Amex Card - SCT Card - connectIPS - Bank Voucher Deposit - Khalti Pasal (cash points and agents) - Request from friend

To know detailed procedure on how to load fund in Khalti, please visit this Khalti blog.

How much can I load in one day in my wallet? Is there any limit?

For KYC verified users, there is no limit on how much you can load money in Khalti. If you haven’t your KYC, your transaction limits to Rs. 5000 per transaction.

Mobile Banking Queries

Which banks does Khalti have for fund load from mobile banking?

For fund load in Khalti from mobile banking, we have:

For fund load from Khalti’s app and website:

  • Bank of Kathmandu
  • Citizens Bank
  • Civil Bank
  • Garima Bikas Bank
  • Global IME Bank
  • Janata Bank
  • Kailash Bikas Bank
  • Kumari Bank
  • Laxmi Bank
  • Machhapuchchhre Bank
  • Mahalaxmi Bikas Bank
  • NCC Bank
  • NIC Asia Bank
  • Prabhu Bank
  • Prime Bank
  • Rastriya Banijya Bank (RBB)
  • Sunrise Bank

For fund load using bank’s app:

  • Century Bank
  • Everest Bank
  • ICFC Finance
  • Kamana Sewa Bikas Bank
  • Lumbini Bikas Bank
  • Machhapuchchhre Bank
  • Nepal Bangladesh Bank
  • Nepal Investment Bank (NIBL)
  • Shangrila Development Bank
  • Shine Resunga Bikas Bank

How do I load money to Khalti through mobile banking?

To load money go to Load Fund option in the app or website

Select Mobile Banking option, enter the amount, and complete the transaction

Does the money get loaded immediately to wallet?

In case of m banking the amount gets loaded immediately. In some cases it might get delayed due to internet connectivity, due to the bank’s network. Do not panic. You money will be safe and will be loaded to your wallet within an hour. If your wallet balance is not updated after 30 minutes do contact us at support@khalti.com or call at 9801165561.

Why can’t I load money into my account through my bank account?

The possible reasons for this should be: - Your bank account did not have adequate balance. - Your internet connectivity was interrupted. - The issuer bank’s network was down. - Your monthly loading limit was breached. - Mobile Banking not activated.

Money deducted from bank account but did not reflect in Khalti account

In such cases please do not panic. Please check your internet connectivity and refresh you balance. If it does not show then this might be because of the network problem while transaction or maybe because of the delay from the bank's server. In such cases, please wait for 30 minutes. If your wallet balance is not updated after 30 minutes do contact us at support@khalti.com or call at 9801165561.

Bank Transfer fees and other limits

There is no bank transfer fees while loading funds from mobile banking. As per NRB there are certain bank transfer limits applicable on Khalti. As per your urgency you can load as much as you want but you cannot hold the amount in your wallet account. You need to spend it on the same day. If you fail to use that amount then your account might get locked.

However, it is mandatory for all users to fill up KYC (Know Your Customer) form to carry out transactions above Rs.5,000.

I don’t know my username and password for Mobile Banking. What do I do?

Your Mobile Banking username and password is the one that you receive while taking eBanking service from the bank. If you have done so and cannot remember or have lost the login credentials, please contact the associated bank where you have created your bank account.

While loading funds from a Mobile Banking App to Khalti I see a blank page, or some other errors.

This is an issue from bank’s end. Please contact the bank in such cases.

I loaded some amount at a time. I need to reload more funds. Will I be charged?

No, there is no hidden charges while loaded funds via eBanking. You can load as many times as you want.

E-Banking Queries

Which banks does Khalti have for fund load using E-banking, internet banking?

Currently, you can load fund in Khalti using internet banking service of these banks:

  • Bank of Kathmandu (BOK)
  • Century Bank
  • Citizens Bank
  • Everest Bank
  • Garima Bikas Bank
  • Global IME Bank
  • Janata Bank
  • Kumari Bank
  • Laxmi Bank
  • Machhapuchchhre Bank
  • Mega Bank
  • Nepal Bangladesh Bank (NBBL)
  • Nepal Investment Bank (NIBL)
  • NIC Asia Bank
  • NMB Bank
  • Prabhu Bank
  • Rastriya Banijya Bank (RBB)

How do I load money to Khalti?

To load money go to load fund option in the khalti app or website Tap on Load Fund, select *E-banking, enter the amount to load and complete the transaction

Why can’t I load money into my account through my bank account?

The possible reasons for this should be: - Your bank account did not have adequate balance. - Your internet connectivity was interrupted. - The issuer bank’s network was down. - Your monthly loading limit was breached. - Your E-banking is not activated.

Does the money get loaded immediately to wallet?

In case of e Banking the amount gets loaded immediately. In some cases it might get delayed due to internet connectivity, or maybe because of the delay from the bank's server. Do not panic. You money will be safe and will be loaded to your wallet within an hour. If your wallet balance is not updated after 30 minutes do contact us at support@khalti.com or call at 9801165561

Money deducted from bank account but did not reflect in Khalti account.

In such cases please do not panic. Please check your internet connectivity and refresh you balance. If it does not show then this might be because of the network problem while making the transaction or maybe because of the delay from the bank's server. In such cases, please wait for 30 minutes. If your wallet balance is not updated after 30 minutes do contact us at support@khalti.com or call at 9801165561

Bank Transfer fees and other limits

There is no bank transfer fees while loading funds from eBanking. As per NRB there are certain bank transfer limits applicable on Khalti. As per your urgency you can load as much as you want but you cannot hold the amount in your wallet account. You need to spend it on the same day. If you fail to use that amount then your account might get locked.

However, it is mandatory for all users to fill up KYC (Know Your Customer) form to carry out transactions above Rs.5,000.

I don’t know my username and password for e-Banking. What do I do?

e-Banking username and password is the one that you receive while taking e-Banking service from the bank. If you have done so and cannot remember or have lost the login credentials, please contact the associated bank where you have created your bank account.

After logging in to my eBanking account why can’t I find/select my account?

In such cases please contact the associated bank.

‘Failed at Bank’ What does this mean?

This could be possibly due to issues at the bank's server. In such cases it is advisable to contact the associated bank

What is OTP while loading funds? How can I generate OTP? Why didn't I receive OTP?

OTP (One Time Password) is a secure code to ensure that there are no fraudulent transactions. While transacting the bank sends an OTP to your personal email/ mobile number. (Remember if you have not taken or activated the SMS/email service from the bank, you will not be getting any OTP.)

I loaded some amount at a time. I need to reload more funds. Will I be charged?

No, there is no hidden charges while loaded funds via eBanking. You can load as many times as you want.

Card Related Queries

How do I load via cards?

To load via cards simply tap on load funds and go to Debit/Credit Cards option. Now enter your card details like your card number, issued date and expiry date and your CVV number. Once you have entered the details you will receive an OTP for confirmation. Once you have confirmed your Khalti account will be loaded instantly.

Will I be charged while loading Khalti via Cards?

You will not be charged any amount while loading for the first three transactions. After that, for SCT cards, a service charge of 1% ( maximum amount of Rs 25) will be levied after the first 3 transactions. And for all other cards, a service charge of 2% will be levied after the first 3 transactions.

I tried loading Khalti via Card but it does not work. Why?

This could be possibly because you are trying to load via SCT or Visa cards which are not activated for online transactions. Please make sure your card has been enabled for online payments by bank. It could also be due to: - Your bank account did not have adequate balance. - Your internet connectivity was interrupted. - The issuer bank’s network was down. - Your monthly loading limit was breached. - Card not activated for online transactions.

How much can I load to Khalti at a time while loading via cards?

You can load a maximum amount of upto Rs 16,000 at a time.

Does the money get loaded immediately to wallet?

In case of loading via cards the amount gets loaded immediately. In some cases it might get delayed due to internet connectivity, due to the bank's network. Do not panic. You money will be safe and will be loaded to your wallet within an hour. If your wallet balance is not updated after 30 minutes do contact us at support@khalti.com or call at 9801165561.

Money deducted from bank account but did not reflect in Khalti account. What might be the problem?

In such cases please do not panic. Please check your internet connectivity and refresh you balance. If it does not show then this might be because of the network problem while transaction or maybe because of the delay from the bank’s server. In such cases, please wait for 30 minutes. If your wallet balance is not updated after 30 minutes do contact us at support@khalti.com or call at 9801165561

What is OTP while loading funds? How can I generate OTP? Why didn't I receive OTP?

OTP (One Time Password) is a secure code to ensure that there are no fraudulent transactions. While transacting the bank sends an OTP to your personal email/ mobile number. (Remember if you have not taken or activated the SMS / email service from the bank you will not be getting any OTP.)

Cash Deposit Queries

Do I need a bank account to load funds via Banks?

No, you don’t need a bank account to load funds through banks. Just go to Nepal Investment Bank (NIBL) or Machhapuchhre Bank (MBL), ICFC Finance, Shine Resunga Development Bank, and Shangrila Bikas Bank and load funds through cash deposit vouchers.

How to load via cash deposit?

To load your fund via cash deposit, follow these steps: - Ask for the Khalti cash deposit voucher from your nearest branch of NIBL or Machhapuchhre Bank - Fill up the voucher with the phone number and name registered with Khalti - While submitting the voucher, tell the bank teller to enter the Upay ID 13-002 in their systems as mentioned in the voucher.

From which bank you can do counter deposit?

You can load money in your Khalti account using counter deposit vouchers available at all the branches of these banks: - Nepal Investment Bank Limited (NIBL) - Machhapuchchhre Bank Limited (MBL) - ICFC Finance Limited - Lumbini Bikas Bank Limited - Muktinath Bikas Bank - Shine Resunga Development Bank Limited

What information do I need to fill the cash deposit voucher?

You need to have the following information to fill the cash deposit voucher: - Khalti ID ( Phone number registered with Khalti ) - Customer’s name ( Your name registered with Khalti ) - Write your amount that you want to deposit in your wallet

What should I do after filling the cash voucher?

After filling the cash deposit voucher, tell the bank teller to enter the Upay ID 13-002 in their systems as mentioned in the voucher.

Can I give my other phone number which is not registered in Khalti while filling cash deposit voucher?

No. Other phone numbers will not be accepted which is not registered with Khalti.

How do I check if my cash has been deposited?

Go to your account and check the amount in the left side menu. Refresh if the amount you loaded is not reflected in your account.

Can I load funds in my wallet through other banks via cash deposits ?

No. You can ONLY load fund from cash deposit vouchers at NIBL, Machhapuchchhre Bank, ICFC Finance, Shangrila Bikas Bank, and Shine Resunga Development Bank only.

Can I load funds in my wallet through other banks?

No. You can ONLY load your fund from the member banks of Khalti.

Can I go to any branch of Nepal Investment Bank (NIBL), Machhapuchchhre Bank, ICFC Finance, Lumbini Bikas, Shine Resunga, and Muktinath Bikas Bank to load fund via Cash Deposits in my wallet?

Yes. You can go to any branch of Nepal Investment Bank (NIBL), Machhapuchchhre Bank, ICFC Finance, Lumbini Bikas, Shine Resunga, and Muktinath Bikas Bank to load fund via Cash Deposits in your Khalti account.

Can I load funds in my wallet anytime?

Yes. You can load your fund anytime anywhere in Khalti.

Do I need to have a bank account to load funds in my wallet?

No. You don’t need a bank account to load funds in your wallet. You can do it via cash deposit voucher too.

How to load fund in Khalti using connectIPS?

Please follow these simple steps to load fund in Khalti from connectIPS: - Sign up and login to your Khalti account from Khalti app or website - Tap on Load Fund and choose connectIPS. - Enter the amount you want to load and tap on Load Fund. - Intermediary login portal opens. Enter your connectIPS ID and the given captcha code and tap on Sign In. - The official login portal of conenctIPS opens. Enter your connectIPS ID and password and tap on Sign In. - An OTP (one time password) will be sent to your registered mobile number. Enter the OTP and tap on Submit.

Your wallet will be loaded. Go to Khalti app and refresh you balance.

How to load money from abroad?

You can load money in Khalti account using international cards.

Send/Request

How do I get to know if someone has requested me for funds?

You will get notifications if someone has requested you for funds. You can also check the notification from the bell icon located on the top right corner of the screen.

How do I request funds from my friends?

You can simply tap on Send/Request option on the main dashboard and go to Request menu. Enter the mobile number of your friend registered with Khalti (or simply select from your contact list), enter the amount, purpose, and tap on Request button. Your friend will get the fund request notification instantly.

How do I send funds to my friend's Khalti wallet?

You can simply tap on Send/Request option on the main dashboard and go to Send menu. Enter the mobile number of your friend registered with Khalti (or simply select from your contact list), enter the amount, purpose, and tap on Send button. Your funds will be sent instantly.

My friend sent me funds but the amount does not reflect in my account. Why?

For the amount to reflect in the account you must accept the Fund transfer request sent by your friend. After you have accepted the request, the balance will reflect in the account.

What if I send money to someone else’s number?

Please check the number before making the transaction. Once you have made the transaction, Khalti will not be held responsible for the refund. You will have to contact the person yourself and get it refunded.

What if I have loaded money in a Khalti account that does not exist?

In such cases Khalti will not be able to refund the money. You will have to create a Khalti account with the same number in which you loaded money. Once you have done so your money will be reflected in the new Khalti account and you can then transfer the fund to your own Khalti account.