How to Load Money in Khalti
There are several ways to add money to your Khalti 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 Khalti is from a linked bank account — inside the app, or by sending from your bank's mobile-banking app to Khalti.
- Other routes: ConnectIPS, a debit/credit card (where supported), a nearby Khalti point / agent (cash), or receiving from another Khalti user.
- Loading from a bank is usually free; agents may add a small service charge. Limits depend on your KYC level (NRB rules).
- Khalti 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 Khalti
"Loading" (or "add money") means moving funds into your Khalti wallet so you can pay bills, top up, book tickets, 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 Khalti app)
- From your bank's mobile / internet banking (send to Khalti)
- Via ConnectIPS
- With a debit or credit card (where supported)
- At a Khalti point / agent (pay cash)
- By receiving from another Khalti user
Load Khalti from your bank account (most common)
If your bank is linked, this is the fastest route:
- Open the Khalti app and log in.
- Tap Load / Add Money (sometimes "Bank" or "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 Khalti, 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 Khalti from mobile banking or ConnectIPS
Most banks let you send money to a wallet from their mobile-banking app: look for "Load Wallet", "Khalti", or a fund-transfer option to Khalti, enter your Khalti 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 Khalti balance, typically within moments.
Load Khalti with a card or at a Khalti point
Debit/credit card: where supported, you can add funds using a card from the "Load Money" screen — follow the card-payment prompts. Khalti point / agent: registered Khalti points and agents across Nepal will take your cash and load your wallet (give them your Khalti 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 Khalti
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 Khalti app.
Khalti 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 Khalti? Don't retry immediately. Keep the bank reference/transaction ID and contact Khalti 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 Khalti?
The most common way is to open the Khalti app, tap Load / Add 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 a Khalti point or agent.
How do I load Khalti from a bank account?
In the Khalti app tap Load / Add 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 Khalti, send money to your Khalti number from the bank's own mobile-banking app instead.
Is there a fee to load money into Khalti?
Loading from a bank account or ConnectIPS is generally free to the user. Khalti points and 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 Khalti?
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 Khalti.
I loaded Khalti 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 Khalti, do not retry — save the bank transaction reference and contact Khalti 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, the eSewa vs Khalti and Khalti vs IME Pay comparisons, or learn how to load eSewa. For money you want to grow, compare live savings and FD rates on Byajdar.