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What You Agree To When You Use 99ko

Opening an account with 99ko means you accept these terms in full — they set out your rights, your responsibilities, and how we handle everything from wallet deposits to account suspension.

Applies to all account typesCovers bKash, Nagad, Rocket transactionsSubject to local law and eligible regionsUpdated terms notified via accountContact support for any query
99ko What You Agree To When You Use 99ko
HOW WE OPERATE

How 99ko Manages Accounts and Obligations

These terms are not just a formality. They govern real processes: how wallet transactions are verified, how account reviews are conducted, and how we communicate changes to you. We keep a clear audit trail for every bKash, Nagad, and Rocket transaction linked to an account, and that record is the basis for any dispute resolution.

Wallet Verification

Every bKash, Nagad, and Rocket deposit is matched against your registered account wallet. Mismatched wallet ownership is grounds for a transaction hold pending review.

Account Security

We require a one-time PIN confirmation for sensitive account actions. If you suspect unauthorised access, notify support immediately so we can lock the account.

Terms Change Notice

When we update these terms, we send a notification to your registered account before the change takes effect. You can review the update before logging in again.

Dispute Resolution

Raise a dispute through live chat or email within seven days of the relevant event. We review the wallet transaction record and respond with a written outcome.

TERMS CONTACT

Reach Us About These Terms

If any clause in these terms is unclear, or if you want to raise a question about how they apply to your specific account situation, our support team can walk you through it. Have your account ID and, where relevant, your bKash or Nagad transaction reference ready so we can respond efficiently.

Team online

Live Chat

Open the chat icon inside your account dashboard to reach our support team directly about any terms question or account conduct concern.

Email Support

Write to our support address for formal terms queries. Include your account ID and the specific clause number you are asking about for a faster reply.

Help Centre

Our Help Centre covers the most common terms questions — account eligibility, wallet dispute steps, and what happens when an account is reviewed.

Common Questions About These Terms

These questions cover what people most often ask after reading through the account terms. If your question is not here, contact our support team via live chat with your account ID ready.

Yes. Completing account registration constitutes acceptance of these terms in full, even before your first deposit via bKash, Nagad, or Rocket is made.

No. Your account must be funded from a wallet registered in your own name. Using another person's wallet breaches the terms and may result in a transaction hold or account review.

We notify you before changes take effect. Continuing to use your account after the notification period counts as acceptance. You can contact support if you have concerns before accepting.

Contact our support team within seven days of the transaction date. Share your Rocket or Nagad transaction ID and account ID so we can match the payment record and review your case.

Where we identify a serious breach — such as fraud or identity misuse — we may suspend an account immediately. For lesser concerns, we will notify you and allow a response before any permanent closure.

The terms apply to all accounts, but access to specific features depends on your local law and the eligible regions we serve. Check the Help Centre or contact support for region-specific eligibility questions.
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Terms & Conditions

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

Access may be available only where local law permits.