How to Load Money in eSewa
There are several ways to add money to your eSewa balance — the most common is straight from your bank. Here is every method, step by step, plus fees, limits and what to do when a load fails.
- The easiest way to load eSewa is from a linked bank account — inside the app, or by sending from your bank's mobile-banking app to eSewa.
- Other routes: ConnectIPS, a debit/credit card (where supported), a nearby eSewa load agent (cash), or receiving from another eSewa user.
- Loading from a bank is usually free; agents may add a small service charge. Limits depend on your KYC level (NRB rules).
- eSewa is a wallet, not a savings account — it earns no interest. Grow money in a bank instead; see all wallets on the wallets guide.
Ways to load money into eSewa
"Loading" (or "load balance") means moving money into your eSewa wallet so you can pay bills, top up, send money or scan QR. There are several ways to do it, and the right one depends on what you have set up. The main options:
- From a linked bank account (inside the eSewa app)
- From your bank's mobile / internet banking (send to eSewa)
- Via ConnectIPS
- With a debit or credit card (where supported)
- At an eSewa load agent / load centre (pay cash)
- By receiving from another eSewa user
- From a remittance paid into eSewa
Load eSewa from your bank account (most common)
If your bank is linked, this is the fastest route:
- Open the eSewa app and log in.
- Tap Load Money (sometimes "Bank Deposit" / "Load from Bank").
- Choose your bank from the list and enter the amount.
- You'll be taken to your bank's login / verification — approve the transfer.
- The balance appears in eSewa, usually instantly.
Don't have the bank linked yet? You can still load by sending money from your bank's own app — see the next method.
Load eSewa from mobile banking or ConnectIPS
Most banks let you send money to a wallet from their mobile-banking app: look for "Load Wallet", "eSewa", or a fund-transfer option to eSewa, enter your eSewa ID (usually your registered mobile number) and the amount. ConnectIPS works similarly — it moves money directly from your bank account and is handy for larger loads. In both cases the money lands in your eSewa balance, typically within moments.
Load eSewa with a card or at an agent
Debit/credit card: where supported, you can add funds using a card from the "Load Money" screen — follow the card-payment prompts. Load agent / load centre: thousands of shops and agents across Nepal will take your cash and load your eSewa (give them your eSewa number); this is the go-to if you don't use a bank app. Agents may charge a small service fee, so confirm before you hand over cash.
Fees and limits when loading eSewa
Loading from a bank or ConnectIPS is generally free to you. Agents may add a small charge for the cash-handling service. How much you can load and hold is capped by Nepal Rastra Bank rules and your KYC level — a fully KYC-verified wallet has higher limits than an unverified one, so complete KYC in the app if you hit a limit. Exact fees and caps change over time; confirm the current figures inside the eSewa app.
eSewa load failed or money not received? What to do
- Balance not showing? Give it a few minutes and refresh — most loads are instant but can lag briefly.
- Money debited from bank but not in eSewa? Don't retry immediately. Keep the bank reference/transaction ID and contact eSewa support; reversals usually resolve within a day or two.
- Hitting a limit? You may have reached your KYC tier's cap — complete full KYC to raise it.
- Never share your OTP or PIN with anyone "helping" you load — that is how wallet fraud happens.
Frequently asked questions
How do I load money in eSewa?
The most common way is to open the eSewa app, tap Load Money, choose your bank and amount, then approve the transfer in your bank login. You can also load from your bank's mobile-banking app, via ConnectIPS, with a debit/credit card where supported, or by paying cash at an eSewa load agent.
How do I load eSewa from a bank account?
In the eSewa app tap Load Money (or Load from Bank), select your bank, enter the amount, and approve the transfer on your bank's verification screen. The balance usually appears instantly. If your bank isn't linked in eSewa, send money to your eSewa number from the bank's own mobile-banking app instead.
Is there a fee to load money into eSewa?
Loading from a bank account or ConnectIPS is generally free to the user. Load agents may charge a small service fee for handling cash. Exact charges can change, so confirm in the app or with the agent before loading.
What is the limit for loading eSewa?
Load and balance limits are set by Nepal Rastra Bank rules and depend on your KYC level. A fully KYC-verified wallet has higher limits than an unverified one. If you hit a cap, complete full KYC in the app to raise it. Check the current limits inside eSewa.
I loaded eSewa but the money did not arrive — what should I do?
Wait a few minutes and refresh first. If the amount was debited from your bank but never reached eSewa, do not retry — save the bank transaction reference and contact eSewa support; such reversals typically resolve within a day or two. Never share your OTP or PIN with anyone.
Comparing wallets, not just loading one? See the full digital wallets in Nepal guide, or the head-to-head eSewa vs Khalti and eSewa vs IME Pay comparisons. For money you want to grow, compare live savings and FD rates on Byajdar.