Charges and Limit
Nepal · Digital payments reference
Universal Digital Command Hub 2083
The industry standard for Nepal banking transaction limits & charges
Section 1: Mobile banking mastery (industry standard)
Fonepay Direct
- Daily limit
- Rs. 3,00,000
- Daily count
- 30
- Monthly limit
- Rs. 10,00,000
- Monthly count
- 300
Rs. 10
Integrated connectIPS
- Daily limit
- Rs. 2,00,000
- Daily count
- 100
- Monthly limit
- Rs. 10,00,000
- Monthly count
- 1000
Free < 500
NPS / account transfer
- Daily limit
- Rs. 3,00,000
- Daily count
- 25
- Monthly limit
- Rs. 10,00,000
- Monthly count
- 300
Rs. 2 – 8
Merchant QR pay
- Daily limit
- Rs. 3,00,000
- Daily count
- Unlimited
- Monthly limit
- Uncapped
- Monthly count
- Unlimited
FREE
Instafund (SCT)
- Daily limit
- Rs. 2,00,000
- Daily count
- 20
- Monthly limit
- Rs. 10,00,000
- Monthly count
- 300
Rs. 10
Section 2: Standalone connectIPS (app vs. web portal)
Self-verified
- Platform
- App / web
- Daily limit
- Rs. 1,00,000
- Daily count
- 100
- Monthly limit
- Rs. 10,00,000
- Charge
- Rs. 0 – 8
Bank-verified
- Platform
- Web portal
- Daily limit
- Rs. 20,00,000
- Daily count
- 100
- Monthly limit
- Rs. 50,00,000
- Charge
- Rs. 0 – 8
Internet banking
- Platform
- Web portal
- Daily limit
- Rs. 20,00,000
- Daily count
- Unlimited
- Monthly limit
- Rs. 50,00,000
- Charge
- Slab based
Section 3: CorporatePay (institutional)
Real-time (on-us)
- Max per txn
- Rs. 1 Crore
- Daily limit
- Uncapped
- Daily count
- 100
- Monthly limit
- Uncapped
Flat Rs. 2
Real-time (off-us)
- Max per txn
- Rs. 20 Lakh
- Daily limit
- Uncapped
- Daily count
- 100
- Monthly limit
- Uncapped
Rs. 2 – 10
NCHL-IPS (bulk)
- Max per txn
- Rs. 30 Crore
- Daily limit
- Uncapped
- Daily count
- Unlimited
- Monthly limit
- Uncapped
Rs. 2 – 10
Govt revenue / tax
- Max per txn
- Rs. 30 Crore
- Daily limit
- Uncapped
- Daily count
- Unlimited
- Monthly limit
- Uncapped
Rs. 2 – 10
Section 4: Digital wallet (eSewa / Khalti / IME Pay)
Bank to wallet
- Daily limit
- Rs. 2,00,000
- Daily count
- 10
- Monthly limit
- Rs. 10,00,000
- Monthly count
- 100
Wallet to bank
- Daily limit
- Rs. 50,000
- Daily count
- 10
- Monthly limit
- Rs. 1,00,000
- Monthly count
- 50
Wallet to wallet
- Daily limit
- Rs. 50,000
- Daily count
- 10
- Monthly limit
- Rs. 1,00,000
- Monthly count
- 50
Overnight holding
Rs. 50,000 — mandatory transfer-out rules apply per NRB wallet directives.
Section 5: Cards & ATM (overview)
ATM cash (Nepal)
- Daily limit
- Rs. 50,000
- Daily count
- 5 to 10
- Monthly limit
- Rs. 3,00,000
Rs. 15 (standard inter-bank)
ATM cash (India)
- Daily limit
- INR 15,000
- Daily count
- 3
- Monthly limit
- INR 1,00,000
Rs. 250 + 0.15%
POS / e-commerce
- Daily limit
- Rs. 3,00,000
- Daily count
- 25
- Monthly limit
- Rs. 10,00,000
FREE
Specific bank ATM offers: Banks like NMB Bank and ADBL may offer up to 3 free inter-bank ATM withdrawals per month at other banks’ ATMs; after that, the standard Rs. 15 fee usually applies. Using your own bank’s ATM is typically free.
NFC contactless (tap & pay) — verified limits
Without PIN (tap)
- Per txn limit
- Rs. 5,000
- Daily limit
- Rs. 10,000
- Daily count
- 5 taps
- Monthly limit
- Rs. 50,000
- Monthly count
- 30
With PIN (tap + PIN)
- Per txn limit
- Rs. 3,00,000
- Daily limit
- Rs. 3,00,000
- Daily count
- 25 taps
- Monthly limit
- Rs. 10,00,000
- Monthly count
- 100
Security logic: If you tap more than 5 times or exceed Rs. 5,000 in a single transaction, the terminal will require your PIN or biometric for security.