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Pathao Pay review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Pathao Pay is a wallet for businesses and freelancers in Bangladesh, with a monthly fee of BDT 0 and wallet-to-wallet delivery that is instant. It works in 1 currency only, so anyone holding money abroad should compare wider multi-currency accounts first.

Key facts

Best for
Everyday wallet payments and payouts inside Bangladesh, at a monthly fee of BDT 0.
Monthly fee
BDT 0↗
Currency conversion fee
2% to 3%↗
Currencies
1↗
Free ATM withdrawals
BDT 0↗
Transfer fee
Free for P2P send money; 1.50% for cash-out to bank, MFS or ATM↗
Legal entity
Digital Payments Limited (DPL)↗
Headquarters
Bangladesh↗
Support channels
Email, Phone, Help-centre↗
Audience
Business, Freelancers
Pricing model
No monthly fee
Official website
pathaopay.com

Money transfer

Delivery time
Instant for wallet-to-wallet send money↗
Payout methods
Bank, Cash-pickup, Wallet, Card↗
Fee to send 1,000
BDT 0↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInweb.facebook.com

Pros and cons

Pros

  • The account is free to keep, with a monthly fee of BDT 0.
  • Money moves fast between wallets, per Instant for wallet-to-wallet send money.
  • Payouts reach a bank, cash pickup, another wallet or a card, per bank, cash pickup and wallet.
  • Support covers email, phone and help centre.

Cons

  • The wallet holds 1 currency, so a multi-currency balance is out of reach.
  • Conversion costs 2% to 3% each time money changes currency.
  • Cash-out to a bank, a mobile financial service or an ATM adds a charge on top of free wallet-to-wallet sends.
Pathao Pay

Ready to try Pathao Pay?

Scored 8.6 / 10 by VaultCue.

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Who it suits

  • Businesses and freelancers, the audience the provider names in business and freelancer.
  • People paid in cash or by wallet who want payouts to a bank, a cash-pickup point or a card, per bank, cash pickup and wallet.
  • Anyone after an everyday account with a monthly fee of BDT 0 and a phone contact route, per email, phone and help centre.

Who should look elsewhere

  • PayPal Colombia, if 1 currency is not enough for the money you hold.
  • Skrill, if a conversion charge of 2% to 3% is the deal breaker.
  • Plazo ES, if euro-based everyday banking suits you better than a wallet based in Bangladesh.

Fees and FX

The monthly fee is BDT 0, so the account is free to maintain. Conversion runs at 2% to 3%. On transfers, sending money from a Pathao wallet to another is free, while taking cash out to a bank, a mobile financial service or an ATM adds a cash-out charge. Wallet use is the cheap path; cash-out is the part to watch.

How Pathao Pay compares

Where Pathao Pay is available

Available
Bangladesh
Licence in Bangladesh
Bangladesh Bank, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to keep a Pathao Pay account?+

The monthly fee is BDT 0, and wallet-to-wallet sends to other Pathao users are free. The costs that do appear are conversion at 2% to 3% and a cash-out charge on withdrawals to a bank, a mobile financial service or an ATM.

Who regulates Pathao Pay?+

The provider is Digital Payments Limited, and the regulator named for it is Bangladesh Bank in Bangladesh. As a wallet, the balance sits with the operator rather than a bank, so read what protection applies to money you leave there.

How fast is a transfer?+

Instant for wallet-to-wallet send money, which is why the wallet works well for everyday payments between people who both use it. Cash-out routes carry a charge to a bank, a mobile financial service or an ATM, so plan ahead when money must leave the wallet.

How do I get money out of a Pathao Pay wallet?+

Payouts go to a bank, a cash-pickup point, another wallet or a card, per bank, cash pickup and wallet. Wallet-to-wallet sends are free; taking cash out to a bank, a mobile financial service or an ATM adds a charge. Repeated cash-outs build up.

How many currencies can I hold?+

Pathao Pay works in 1 currency, so a wallet balance sits in a single currency rather than several. Anyone paid in another currency converts at 2% to 3%, and the site median for that conversion is 0.5%.

Who is Pathao Pay built for?+

The stated audience is business and freelancer, and the provider is based in Bangladesh. It suits people who collect money from customers and pay suppliers, with payouts to a bank, a cash pickup point or a card per bank, cash pickup and wallet.

What help do I get if something goes wrong?+

Support runs on email, phone and help centre, so phone and email reach a person as well as a help centre. A wallet that moves cash on demand benefits from a direct contact route, and the provider names Digital Payments Limited (DPL) as the operating company.

Are ATM withdrawals free?+

The free ATM allowance is BDT 0 and the monthly fee is BDT 0, so cash machine use does not eat into a monthly budget. Cash-out to an ATM is among the routes that carries a charge, so keep them apart.

Sources

  • pathaopay.com checked September 26, 2026

    Backs: Audience

    “Perfect for freelancers, or anyone needing hassle-free, smooth transactions.”

  • pathaopay.com/contact checked September 26, 2026

    Backs: Support channels

    “Our team is here for you 24/7”

  • pathaopay.com/faq checked September 26, 2026

    Backs: Pricing model, Monthly fee

    “No, opening a Pathao Pay account is completely free.”

  • pathaopay.com/features/send-money checked September 26, 2026

    Backs: Delivery time

    “Send money instantly and without any extra fees!”

  • pathaopay.com/fees checked September 26, 2026

    Backs: Free ATM withdrawals, Currency conversion fee, Payout methods, Transfer fee, Fee to send 1,000

    “ATM Withdrawal 1.50%”

  • pathaopay.com/terms-and-conditions checked September 26, 2026

    Backs: Currencies, Headquarters, Legal entity, Licences

    “The User hereby declares that they have attained the required legal age, operate their business within Bangladesh, make transactions or receive payments only in BDT currency”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Deposit protection.

Pathao Pay

Pathao Pay

Everyday wallet payments and payouts inside Bangladesh, at a monthly fee of BDT 0.

8.6/10See alternatives