How to Add Money to eSewa from Your Bank Account in Nepal

Are you wondering how to add money to your eSewa wallet from your bank account in Nepal? Whether you need to pay bills, send money, or shop online, topping up your eSewa account is simple. This guide will walk you through all the easy ways to load money into your eSewa wallet directly from your bank or other convenient methods.

Quick Guide: Adding Money to eSewa

How to Load Money to eSewa

There are several convenient ways to add money to your eSewa wallet. Here are the most common methods:

1. Using a Linked Bank Account (Direct Debit)

This is one of the most convenient methods. Once your bank account is linked, you can directly pay for services or load your eSewa wallet without needing to open your bank's app separately.

1. Open eSewa: Launch the eSewa app on your mobile device.
2. Tap "Load Money": You will see this option on the home screen.
3. Select "Link Bank Account": Choose this option to begin the linking process.
4. Choose Your Bank: Select your bank from the list and enter your bank account number.
5. Mobile Banking Login: You will be redirected to your mobile banking login page. Enter your credentials.
6. Enter OTP: An One-Time Password (OTP) will be sent to your registered mobile number. Enter it to confirm.
7. Load Money: Once linked, you can use the "Load" option under your linked bank account. Enter the amount you want to add and the purpose.
8. Confirm: Confirm the transaction with your MPIN or fingerprint.

2. Via Mobile Banking

Most banks in Nepal support direct transfers to eSewa through their mobile banking apps.

1. Log in to Your Mobile Banking App: Open your bank's official mobile banking application.
2. Find "Load Wallet" or "Load eSewa": Look for an option related to wallet loading or eSewa specific transfer. The exact name might vary slightly between banks.
3. Enter Details: Input the amount you wish to transfer, your eSewa ID (which is usually your registered mobile number), and a brief purpose for the transaction.
4. Submit and Confirm: Review the details carefully, then submit. You will likely need to confirm with your MPIN or fingerprint.

3. Through Internet Banking

If you prefer using a computer, you can use your bank's internet banking portal. The steps are similar to mobile banking.

1. Access Your Bank's Website: Go to your bank's official website and log in to your internet banking account.
2. Locate "Load Wallet" or "eSewa Transfer": Navigate to the section for fund transfers or digital wallet services.
3. Fill in Information: Enter the amount, your eSewa registered mobile number, and the purpose.
4. Authorize Transaction: Follow your bank's instructions to authorize the transfer, which may include an OTP or transaction password.

4. At eSewa Cash Points or Agents

If you prefer cash, you can visit an authorized eSewa agent or cash point.

1. Locate an Agent: Use the map feature in your eSewa app or call their toll-free number to find a nearby eSewa Cash Point.
2. Provide Your eSewa ID: Tell the agent your eSewa registered mobile number.
3. Hand Over Cash: Give the agent the amount of cash you wish to add to your wallet.
4. Confirm: The agent will process the transaction, and you will receive an SMS confirmation once the money is credited to your eSewa account.

For cash-in through agents, a small fee applies: NPR 5 for up to NPR 5,000; NPR 15 for NPR 5,001 to NPR 15,000; and NPR 25 for NPR 15,001 to NPR 25,000.

5. Depositing at a Bank Counter

You can also visit a branch of any eSewa partner bank and deposit cash directly into your eSewa wallet.

1. Visit a Partner Bank: Go to the counter of a bank that partners with eSewa.
2. Fill a Deposit Slip: Fill out a deposit slip, clearly mentioning your eSewa ID (mobile number) as the recipient.
3. Deposit Cash: Hand over the slip and cash to the teller.
4. Confirm: The amount will be credited to your eSewa wallet shortly, and you will receive a confirmation.

Important Things to Know

• KYC Verification: Completing your "Know Your Customer" (KYC) verification on eSewa is crucial. It unlocks all features and increases your transaction limits. Unverified accounts have lower limits (NPR 5,000 daily, NPR 25,000 monthly), while verified accounts can transact up to NPR 100,000 daily with no monthly limit for transfers.

• Check Transaction History: Always verify that your transaction was successful by checking the transaction history within your eSewa app.

• Fees for Other eSewa Transactions: While loading from a linked bank account is free, other services may have charges. For example, loading via card incurs a 1.75% fee, and withdrawing to a bank account costs NPR 10 for amounts from NPR 100 to NPR 200,000. Send money to other eSewa users is free for transactions below NPR 100, and free for up to 3 times daily/30 times monthly for amounts above NPR 100, after which a NPR 10 fee applies. NEA bill payments also have tiered fees effective August 19, 2026 (Bhadra 3, 2083), from NPR 0 to NPR 10 depending on the amount.

Common Mistakes to Avoid

When using digital payment platforms like eSewa, it's important to be vigilant to avoid common pitfalls and scams:

• Incorrect Details: Always double-check the recipient's eSewa ID (mobile number), the amount, and the purpose before confirming any transaction. An accidental digit can send your money to the wrong person.

• Insufficient Funds: Ensure you have enough balance in your bank account before initiating a transfer to eSewa. Otherwise, the transaction will fail.

• OTP and PIN Sharing: Never share your One-Time Passwords (OTPs) or MPINs with anyone, even if they claim to be from eSewa support. eSewa will never ask for your PIN over the phone.

• Fake Cashback/Prize Messages: Be wary of SMS or messages claiming you've won a large sum from eSewa and asking you to click a link. These are often phishing attempts. eSewa does not send prize links via SMS.

• QR Code Scams: If someone sends you a QR code and asks you to "scan to receive money," be extremely cautious. Scanning such codes often *sends* money from your account instead of receiving it.

• Unverified Apps: Always download the eSewa app from official app stores (Google Play Store or Apple App Store). Fake apps can steal your login credentials.

• Transaction Issues: If money is deducted from your bank but not reflected in eSewa, first check your transaction history. If it shows "Failed," an auto-refund usually occurs within 24 hours. If "Pending," wait 30 minutes. If "Success" but your balance is incorrect, try restarting the app. For any persistent issues or multiple deductions, contact eSewa support immediately.

• Exceeding Limits: Be aware of the daily and monthly transaction limits set by Nepal Rastra Bank (nrb.org.np) and eSewa. Transactions exceeding these limits will fail.

Frequently Asked Questions

How can I link my bank account to eSewa?

You can link your bank account by tapping "Load Money" in the eSewa app, then selecting "Link Bank Account." Follow the on-screen prompts to choose your bank, enter your account details, and verify through your mobile banking login and an OTP.

Is there a fee to add money to eSewa from a linked bank account?

No, adding money to eSewa from a linked bank account is generally free of charge.

What happens if money is deducted from my bank but doesn't show in eSewa?

First, check your eSewa transaction history. If it says "Failed," expect an auto-refund within 24 hours. If "Pending," wait for about 30 minutes. If "Success" but the balance is wrong, restart your app. If the problem persists or multiple deductions occur, contact eSewa customer support immediately.

What are the transaction limits for eSewa?

For verified eSewa accounts, the daily transaction limit is NPR 100,000, with no monthly limit for transfers. For unverified accounts, the daily limit is typically NPR 5,000, and the monthly limit is NPR 25,000.

Can I load money into eSewa using a debit or credit card?

Yes, you can load money using a debit or credit card, but a 1.75% processing fee applies. There are limits of NPR 10,000 per transaction, NPR 25,000 per day, and NPR 50,000 per month for card loads.

Adding money to your eSewa account from your bank or other methods is straightforward, giving you the convenience of digital payments. Always double-check your details and stay alert to potential scams. If you're interested in other digital payment methods, you might also want to read our guide on how to add money on Google Ads using Khalti.