Upay is a Bangladeshi mobile-money app offering personal transfers, supported bank funding and cash-out through agents or ATMs. Utility bills, mobile recharge and merchant purchases let customers use wallet funds for spending, combining digital transactions with physical cash access.
Estimated Monthly Usage, Aurato Research, November 2026
Capabilities
Upay Bangladesh combines a wallet balance with transfers, bill payments, airtime and merchant purchases. Customers need an app account and phone number, while agents and supported ATMs connect digital funds with cash withdrawals.



