Reference

Read Before You Open an Account

These terms set out what you agree to when you use 93ko — covering account access, deposits via bKash, Nagad or Rocket, withdrawals, and how disputes are handled. Access depends on your local law and whether your region is eligible.

Account eligibility appliesbKash · Nagad · Rocket coveredJurisdiction-dependent accessSubject to change with notice

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What These Terms Actually Cover

93ko Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

By creating an account on 93ko, you confirm that you meet the eligibility requirements for your region and that you are accessing the platform where it is permitted under local law. These terms govern every interaction — from the moment you register to how your account

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wallet is funded and how withdrawals are processed back to your bKash, Nagad, or Rocket account. Deposits are credited to your account wallet after the payment is confirmed on the relevant mobile money network. Withdrawals follow a verification step where we match the wallet number on
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your account to the one you request the transfer to — this is a security measure, not a delay tactic. If there is a mismatch, our support team will contact you before processing. We may update these terms when our services change. When that happens, we
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post the revised version here and the continued use of your account after the update date means you accept the new terms. If you disagree with a change, the right move is to close your account and withdraw your balance before the effective date.

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

TERMS CONTACT

Reach Us About These Terms

Team online

Live Chat

Open the chat widget from any page on 93ko to ask about a specific clause, a payment dispute, or an account restriction. Responses come from our Bangladesh support team.

Email Support

Send a detailed query to our support address for written confirmation of how a term applies to your account. Useful for withdrawal disputes or wallet verification questions.

Account Help Centre

The help section inside your account covers common terms questions — wallet linking, withdrawal holds, and what triggers an account review — without needing to contact us directly.

HOW WE OPERATE

How 93ko Handles Your Account

Account security and fair terms handling are not afterthoughts here. We apply consistent rules across every account, whether you deposit via bKash in Dhaka or Rocket from anywhere else in Bangladesh.

Wallet Verification We verify that the mobile wallet number on your account matches your withdrawal request. This step protects your funds and prevents unauthorised transfers to a third-party number.

Account Data Retention Your account data is retained for as long as your account is active and for a period after closure as required by our operating obligations. You can request a summary of what we hold.

Terms Change Notice Any material change to these terms is posted here with an effective date. We do not apply new rules retroactively to transactions that were already completed under the previous version.

Dispute Resolution If you believe a term has been applied incorrectly to your account, contact support with your account ID and the transaction reference. We review and respond in writing.

Common Questions About These Terms

If something in the terms is unclear, these answers cover the questions we hear most from account holders in Bangladesh.

These terms apply to anyone who creates and uses a 93ko account. Access is subject to your local law and whether your region is listed as eligible — check before you register.

No. We post any update here with an effective date. Continuing to use your account after that date means you accept the revised terms. You can close your account before the date if you disagree.

Update your wallet number through account settings before requesting a withdrawal. We verify the number on file against your request, so an outdated number will hold up the transfer until support confirms the change.

Contact support via live chat or email with your account ID and a data request. We will confirm what information we hold and provide it in a readable format within a reasonable timeframe.

Providing false registration details, attempting to withdraw to a wallet not linked to your account, or activity that conflicts with our terms can trigger a review. Support will contact you before any permanent action.

Access depends on local law and your eligible region. We do not make legal determinations on your behalf — if you are unsure whether access is permitted where you are, check your local regulations first.

Reference

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.

Account93ko Login AccountRegister InfoFAQ

Read Before You Open an Account

Reach Us About These Terms

Live Chat

Email Support

Account Help Centre

How 93ko Handles Your Account

Common Questions About These Terms

01 Who do these terms apply to?

02 Can 93ko change the terms without telling me?

03 What happens if my bKash or Nagad number changes?

04 How do I request a copy of my account data?

05 What can get my account restricted under these terms?

06 Does eligibility depend on where I am in Bangladesh?

Terms & Conditions

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