TT-Clean: 77.1 | TK BC-Selling: 78.1
TK OD-Sight: 76.88 TK | TC-Selling: 78.1 TK

TT-Clean: 77.1 | TK BC-Selling: 78.1
TK OD-Sight: 76.88 TK | TC-Selling: 78.1 TK


TT-Clean: 77.1 | TK BC-Selling: 78.1
TK OD-Sight: 76.88 TK | TC-Selling: 78.1 TK

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Rate last updated: 02/01/2014 11:15:04 AM

Interactive Banking Services (WhatsApp): Dhaka Bank

Dhaka Bank introduces interactive banking services using WhatsApp for you. Your convenience and confidentiality are at the center of all the initiatives, the Bank takes everyday. While you register for the service please go through the security tips and T&Cs. Safeguarding your information is a shared responsibility. Please be guided with the security tips and T&Cs for using the interactive banking services.

Security Tips (for clients)
Jul 2020 (v.1)

  • Check for the green ‘tick’ badge next to Dhaka Bank’s name and start chatting. This green ‘tick’ denotes the authorized Whatsapp account of Dhaka Bank Limited.
    Note: If you need to be ensured further, click on the Dhaka Bank icon and verify that official business account and Dhaka Bank’s business details are available. If you click on the official business account button, a message pops up, confirming that this is the official business account of Dhaka Bank Limited.
  • Data is exchanged over a secure channel between your device, WhatsApp and Dhaka Bank. This information will be encrypted and cannot be seen or accessed by anyone.
  • Do not reply to WhatsApp messages that request for your personal information. You will never be asked to share your personal information by Dhaka Bank in this WhatsApp Service, only the last 4 digits of your Cards or Account number may be required.
  • You can only subscribe to Dhaka Bank’s WhatsApp Service via your registered mobile number with the bank. The same number has to be used in WhatsApp.
  • For extra safety, please enable WhatsApp Two-Step Verification under Settings/ Account/ Two-Step Verification. This will help in way that any attempt to verify your mobile number on WhatsApp must be accompanied by a 6-digit PIN you create.
  • Do not share your mobile phone with anyone. Please lock your mobile phone with PIN, Pattern, PassCode, Finger-print or Face ID whichever is convenient for you. Immediately notify the Bank (call: 16474) if you notice anything unusual or raise your concerns

Digital Interactive Services: Terms & Conditions (for clients)
Oct 2019 (v.1)

Account means any account of the Subscriber opened with the Bank including any account, debit card or credit card account;
Approved Third Party Channel means any electronic channel, which:

  • is provided by a party other than the Bank or the Subscriber;
  • is designed to deliver application services (Apps) to subscribers of such Apps, and
  • has been approved by Dhaka Bank as a means for Subscribers to communicate with Dhaka Bank regarding their Accounts.

"Bank" means Dhaka Bank Limited;

“Device” means computer terminals, personal computers, laptops, computer tablets, mobile phones, smart phones, virtual assistants, smart home devices, wearable devices, connected car system devices and any other devices that may be connected to the internet which enable provision of the Services by the Bank to the Subscriber;

“Interactive Banking Services” or “Services” means all internet and mobile banking services, and/or any other digital or electronic Banking Services provided by the Bank whereby the Subscriber can view and operate any Account, loans, cards, investments and insurance or any other banking products provided by the Bank through computer terminals and Devices;

"Subscriber" means a customer of the Bank, whether an individual or corporate entity, to whom the Services are provided; and
The Subscriber hereby acknowledges, understands and accepts the following Terms and Conditions which are supplemental to, and are hereby incorporated by reference into, Dhaka Bank Account’s or, Credit Card’s General Terms and Conditions (General T&Cs refer to the T&Cs in the application form of Dhaka Bank Accounts or Dhaka Bank Cards or Dhaka Bank Loans). In the event there is an inconsistency raised between the terms contained herein and the General T&Cs, General T&Cs shall prevail.


1.1. It is a condition precedent for the use of Dhaka Bank Interactive Banking Services that the Subscriber maintains an Account or Card with the Bank. In the event where the Account / Card relationship is terminated for any reason or in the event of any breach of these Terms and Conditions, the Bank shall be entitled to cancel the Service without any prior notice.

1.2. To access Subscriber Account / Card information or to make financial transactions (where permitted) Subscribers must: (1) have an active Account / Card with the Bank; (2) be enrolled in one of Bank’s Interactive Banking Services (unless the Bank specifically permits otherwise in relation to one or more Approved Third Party Channels); and (3) have a Device, an internet connection, and an account with the owner of the relevant Approved Third Party Channel, if applicable to the relevant Interactive Banking Services.

1.3. The Bank reserves the right to refuse an application for the Interactive Banking Services and may in its sole discretion withdraw, cancel or modify the Service and/or these Terms and Conditions.

1.4. Before accessing any new facilities related to the Interactive Banking Services, the Subscriber is required to confirm his acceptance electronically of the associated terms and conditions. The Subscriber understands that such acceptance via electronic media will be sufficient and will be binding on the Subscriber for all intents and purposes.

1.5. Notwithstanding the above, the Subscriber undertakes to execute any additional documents that may be required by the Bank prior to provision of any modified/additional facilities under the Interactive Banking Services to the Subscriber. Where a Subscriber fails to comply with the above requirements, the Subscriber shall not be eligible for such enhanced or modified Interactive Banking Services and the Bank will be entitled to withdraw the Service provided at its discretion.


2.1. The Subscriber agrees that the Bank has the right to withdraw any or all of the facilities under the Interactive Banking Services, without assigning any reason, after serving a notice to the Subscriber by ordinary post or via e-mail.

2.2. In the case of any money transfer and payments, the overall maximum transferable amount is restricted to the limits specified for the Subscriber's segment.

2.3. The Subscriber acknowledges that no printed advice or confirmation will be issued by the Bank for any transaction conducted through the Interactive Banking Services, except that all transactions will be recorded in the Subscriber's statements for each Account. The Bank will also record and store all customer voice instructions, account details and debit/credit card details.

2.4. The Subscriber understands that the date and the time stamped on transaction print-outs or confirmation advice slips reflects the date and the time of the Bank's main systems and that any transaction submitted for processing before the Bank's daily cut-off time will be completed on the same business day and any transaction submitted for processing after the Bank's daily cut-off time or on a public bank holiday will be completed on the next business day.

2.5. The Subscriber understands and acknowledges that, though the Interactive Banking Services may be made available in respect of an Account (irrespective of whether the mode of operation of such Account is individual or joint with single operation), the features, functionalities and or capabilities provided under these Services will be released or made available to the Subscriber at the Bank’s sole discretion.

2.6. In respect of Accounts held in the name of a minor, only the legal guardian of that minor upon verification shall be eligible to avail the Interactive Banking Services on behalf of the minor account holder.

2.7. The Subscriber shall ensure that he maintains a sufficient balance in each Account to which the Interactive Banking Services relates before making any transfers or payments. If for any reason an Account is overdrawn by the use of the Service, the Subscriber shall be responsible for immediately making up the deficit by a direct payment or transfer of funds from any other Account maintained with the Bank. Failure to comply with this condition shall entitle the Bank to cancel the Service and to recover any outstanding amounts and charges from the Subscriber in a manner deemed appropriate by the Bank.


3.1. The Bank is committed to providing customers with the most innovative digital and mobile banking products and services. As part of these initiatives the Bank has developed a strategy to work with third parties who offer Apps which may be selected by the Bank as an Approved Third Party Channel.

3.2. The Bank has developed an approval process whereby it:

  • assesses the technical capability and compatibility of all such Apps;
  • may enter into legally binding agreements with the owners of such Apps;
  • may carry out pilot or trial operations in conjunction with the App owner and selected Bank customers; and
  • may grant final approval to a fully tested and proven App such that the App is classified as an Approved Third Party Channel, as defined.

3.3. The Bank reserves the right in its absolute discretion to select any App for trial and approval as an Approved Third Party Channel, and to subsequently remove the status of any App as an Approved Third Party Channel in accordance with these Terms and Conditions.

3.4. Subscribers must ensure that they use the latest available version of the relevant App or Apps to benefit from the most up-to-date security protection provided by the App owner. Similarly, Subscriber's must use only compatible browser versions with the internet services and have an antivirus software installed and active on their Device at all times.

3.5. Use by Subscribers of any Approved Third Party Channel to access the Subscriber’s Account / Card for any purpose is governed by these Terms and Conditions, the Bank’s General T&Cs and any other applicable terms and conditions issued by the Bank from time to time and made available on the Bank’s website.


4.1. App pilots – the Bank may offer Subscribers the opportunity to participate in pilot trials of an App as part of the approval process leading to the status of an Approved Third Party Channel. In addition to these Terms and Conditions, App pilot trials are also governed by the Bank’s BETA Terms and Conditions as amended from time to time. The Bank will take reasonable steps to ensure that the pilot trials are conducted in a safe manner. However, the Bank makes no representation or warranty that such pilot trials will be bug or error free or that such trials will not adversely affect Subscribers’ Devices, other hardware, software or applications owned or operated by Subscribers. Subscribers acknowledge that access to their Accounts can be made via other means than an Approved Third Party Channel and the use of such Approved Third Party Channels is voluntary.

4.2. Technical support - During participation in any the pilot trials, the Bank may in its absolute discretion provide technical and other support during the period of the relevant pilot trial. Subscribers agree to abide by any support rules and policies made known by the Bank. If such support is provided, it will be provided in addition to any normal support for Subscribers and will be available exclusively through the pilot trial.

4.3. Validity of communications - Any communication by a Subscriber to the Bank via an Approved Third Party Channel will be treated by the Bank as a communication authorized by the Subscriber. Any communication from the Bank via an Approved Third Party Channel either:

  • initiated by the Bank; or
  • in response to a request received from a Subscriber, will be treated by the Bank as a formal communication to, and validly received by, the Subscriber. The Bank accepts no liability for any unauthorized communication made to it by a third party using the Subscribers Device or by gaining access to the Approved Third Party Channel by any other means.

4.4. Extent of the Services provided - The Bank is under no obligation to provide Services via an Approved Third Party Channel which allow Subscribers to perform financial transactions. However, the Bank may at its discretion provide such Services at any time, and may withdraw such Services without notice if it considers it necessary to do so.

4.5. Third Party security settings – Subscribers who elect to use an Approved Third Party Channel authorize the Bank to provide information to their Devices based on the Device's security settings. Subscribers acknowledge that the settings on a Device may allow the Device to retrieve information about your Account(s) by an unauthorized third party. By electing to use the Approved Third Party Channel on a Device, Subscribers are responsible for how the Device is used, including any communication to or from the Bank.

4.6. Accuracy – Subscribers acknowledge that Devices may also run other software that the Bank has not tested or authorized. By agreeing to these Terms and Conditions Subscribers understand and agree that the Bank is not responsible for any inaccuracies or corrupted communications with the Bank due to incompatibility with the Bank’s systems.

4.7. Release of information to Authorized Third Party Channel owner – the client’s interactions with the Bank via an Approved Third Party Channel are subject to the Banks’s policy. By installing the relevant App and using the relevant Approved Third Party Channel, Subscribers are authorizing the Bank to perform the actions and/or share with the Approved Third Party Channel owner the information communicated to the Bank, or requested from the Bank. Subscribers agree to the Bank sharing that information with the owner of the relevant Approved Third Party Channel, which will then be transmitted via the internet. For example, if a Subscriber makes a request via an Approved Third Party Channel for an Account balance, the Subscriber authorizes the Bank to release that information to the owner of the relevant Approved Third Party Channel. Messages between the Bank and Subscribers will be encrypted where determined by the bank.

4.8. Mobile phone Devices - The Subscriber recognizes and accepts that, in the case of a mobile phone Device, the primary mobile number will be used to transmit an authentication code (one time password). The Subscriber is responsible for keeping the mobile Device protected at all times and updating the number in Bank records in case of any change to the primary number.


5.1. The Subscriber undertakes not to disclose any password, authentication code and/or user identification code relating to its Accounts and/or its use of the Interactive Banking Services to any other person. In the event of any such information becoming known to someone other than the Subscriber, that person may be treated by the Bank as an agent of the Subscriber and the Subscriber undertakes to indemnify the Bank against all loss or damage which may occur as a result of that agent's use of the relevant information.

5.2. The Subscriber agrees to treat the access rights, documentation or any other information related to the Interactive Banking Services as strictly private and confidential at all times and shall not copy or reproduce any of the foregoing in any form whether in whole or in part or allow access to any other party without the Bank's prior consent in writing.

5.3. The Subscriber undertakes not to share any Devices which are used to access the Interactive Banking Services with any third party and to use passwords to protect against the unauthorized use of such Devices where possible. The Subscriber undertakes to indemnify the Bank against all loss or damage which may occur as a result of allowing any third party to access a Device which is able to connect to the Interactive Banking Services.

5.4. The Subscriber acknowledges that there is a risk that they may be overheard by an unauthorized third party in the course of the Subscriber using a smart home device and that the Bank shall not be liable for any loss or damage suffered by the Subscriber caused as a result.


6.1. The Subscriber acknowledges that the Interactive Banking Services is the property of the Bank which has the copyright interest in all software and documentation relating to the Digital Banking Service and any subsequent amendments, including user guidelines in any form.

6.2. The Bank’s trademarks and graphics used in connection with the Services are the property of the Bank. All other trademarks and graphics used are the property of their respective owners.


7.1. The Subscriber acknowledges that the Bank and its respective agents may collect content and information that the Subscriber provides when using the Interactive Banking Services including but not limited to transaction details, Device model, GSM operator, location, frequency, duration of use, crash reports, telemetry information such as gyroscope sensor and accelerometer information and/or information obtained from the use of any biometric features.

7.2. The Bank may also collect information from or about the Devices where the Subscriber has installed or accessed Interactive Banking Services, depending on the permissions granted by the Subscriber. The Bank may associate the information collected from the Subscriber's Devices, which are used to provide consistent Interactive Banking Services across different Devices. These permissions are listed below:

  • Access to mobile device calendar to synchronize upcoming payments and transfers.
  • Accessing to camera to take a profile picture or to be able to capture document images.
  • Access to contacts to be able to transfer funds to a mobile number.
  • Access to microphone and voice commands made using a smart home device.
  • Access location to enable communicating push notifications for communicating location based messages and content.
  • Storage to be able to upload profile picture.
  • Connection information such as the name of mobile operator or ISP, browser type, language and time zone, mobile phone number and IP address.

7.3. The Subscriber consents to the Bank disclosing the collected information and data for the purposes of:

  • Bank or any of its related bodies corporate, providing benefits, products or services;
  • Bank or any of its related bodies corporate improving customer service, including by means of research, conducting analyses and preparing analytics, marketing, product development and planning;
  • Bank marketing its products or services or the products or services of third parties, including by direct marketing; and
  • Any third parties providing services to the Bank, any of its related bodies corporate or to the Bank or for the conduct of any of the above purposes.

7.4. The Bank may also use the collected information to deliver enhanced Interactive Banking Services, personalize content and make suggestions by understanding Subscriber's interaction through different Interactive Banking Services. The Bank may also use Subscriber's information to respond Subscriber's queries related to Interactive Banking Services. In addition, the Bank use the information to verify accounts and activity of the Subscriber, and to promote safety and security on and off of Interactive Banking Services, such as by investigating suspicious activity or violations of the Bank’s General Terms and Conditions of Accounts or, Credit Cards or Loans.

7.5. The Subscriber acknowledges and agrees that the Bank has the right to keep and store collected information and data for as long as it is necessary to provide products, services and Interactive Banking Services to Subscriber. The Bank will keep any collected information and data that is necessary after the closure of the Subscriber's Account and use of Interactive Banking Services on the same terms as set out above and as required in accordance with the law.

7.6. The Bank reserves the right to share Subscriber's data in response to a request from the police or legal authorities as per the banking regulations and the law.




9.1. The Bank will not be responsible for any loss or damage arising directly or indirectly from any malfunction or failure of the Interactive Banking Services.

9.2. The Subscriber acknowledges that the Bank is not liable to the Subscriber for failure to provide any or all of the facilities available under the Interactive Banking Services where such failure is attributable, either wholly or partly, to reasons beyond the Bank's control, including any technical malfunction or breakdown.

9.3. The Subscriber hereby, irrevocably and unconditionally without limitation, accepts all authorized debits arising from the use of the Interactive Banking Services and waives any right of objection in relation thereto.

9.4. The Bank's record of any transaction processed by the use of the Interactive Banking Services shall be conclusive evidence of such transaction and binding on the Subscriber for all purposes.

9.5. The Subscriber acknowledges that any printouts, statements, information contained in any voice recorded format, files or other document formats in which any information or transactions pertaining to the Account or any other banking product have been downloaded or copied shall not be used in any dealings with third parties in whatsoever manner and the Subscriber agrees to indemnify the Bank against all loss or damage which may occur as a result of any violation of this Clause.

9.6. The Bank shall not be responsible for any erroneous payments to utility companies or credit card institutions arising out of any inaccurate information provided by the Subscriber as part of processing the relevant transaction. The Subscriber further confirms and agrees to waive any right which the Subscriber may otherwise have for holding the Bank responsible for any mistake or omission caused by the use of the Digital Banking Service and any delay by the Bank due to reasons beyond its control in onward transmission of the funds to any utility company or credit card institution which may result in disruption of the relevant utility service or the processing of the relevant credit card transaction.

9.7. The Subscriber also understands that in the event of part payment of any utility bill, the relevant utility company may use its power to discontinue the utility service(s) in which event the Bank and the relevant utility company will not be responsible therefore in any way.

9.8. The Subscriber agrees to fully indemnify the Bank against all costs and expenses (including legal fees) arising in any way in connection with his/her/their account, these Terms and Conditions and in recovering any amounts due to the Bank or incurred by the Bank in any legal proceedings of whatever nature.

9.9. The Subscriber is aware and accepts the risks involved in communicating or corresponding via Devices, including but not limited to communication or transmission of information/documents via email, online upload, electronic transfer or any other mode of electronic communication or transmission which may be subject to, but are not limited to errors in transmission, technical defect, power failure, fraud, misunderstanding, unauthorized access and/or interception by third parties impersonating email addresses and instructions being addressed to the wrong recipients and thereby becoming known to third parties.

9.10. The Subscriber undertakes to indemnify the Bank against all loss, damage, cost, expense (including legal expenses), liability or proceedings which it may occur or suffer (direct or indirect) as a result of the use of Electronic Transmission which includes but not limited to;

  • the instructions received from the Subscriber though the Device believed by the Bank to be issued by or originated from the Subscriber if such instructions purport to be issued by or are believed by the Bank to be received from persons authorized to operate upon the accounts as per the mandate given to the Bank, in each case whether or not such instructions are genuine and/or authorized or received from any such individual.
  • any damage to any other person for loss or damage directly or indirectly caused by the Bank whilst acting upon or refraining from acting upon an instructions received from the Subscriber including construing or processing such instruction in error, duplication of transaction/instructions through inadvertence or oversight, negligently or through misinterpretation.

9.11. The Bank reserves the right to decline to act upon instructions given by the Subscriber and inform the Subscriber at the Banks own discretion.


The Bank shall debit the Subscriber's Account or charge the credit card with fees and charges for any instructions made through the Interactive Banking Services as applicable. Such charges shall be as per the Bank's current schedule of charges, a copy of which is available at all Bank Branches or Call Center to the Subscriber. The Bank reserves the right to update such schedule of charges at any time.


11.1. Amendments to these Terms and Conditions - The Bank reserves the right to alter, add to or cancel any or all of these Terms at any time by posting the relevant information on this web site and in the Bank's branches and other premises. Such changes are deemed to be binding on the Subscriber whether or not he has received specific notice of them.

11.2. Other banking services - These Terms and Conditions do not exclude the need to accept additional Terms and Conditions related to any other banking products provided by the Bank. The Bank reserves the right to request the Customer to accept particular Terms & Conditions related to certain product or transactions as applicable.


The Bank shall debit the Subscriber's Account or charge the credit card with fees and charges for any instructions made through the Interactive Banking Services as applicable. Such charges shall be as per the Bank's current schedule of charges, a copy of which is available at all Bank Branches or Call Center to the Subscriber. The Bank reserves the right to update such schedule of charges at any time.




Dear Valued Patrons,

At the very onset, let me express my heartiest gratitude for allowing us to serve you and I also wanted to reach out to you directly with an assurance that Dhaka Bank is fully equipped to support you during this difficult time.

Last couple of weeks ago we all were living in a peaceful condition, performing our daily tasks freely and perfectly. Entire economy and business environment was also in a good shape, until COVID-19 put a forceful stoppage to the overall life style and economy of the world. We all know that social distancing and cleanliness are the keys to prevent this pandemic. Hence, we urge your conscious effort to limiting public interaction and suspending wherever possible.

In this current situation, Dhaka Bank and its employees are beside you where we are fully online, either working from home or at our offices under a robust Business Continuity Plan (BCP) to serve you with limited branch banking and a full-fledged alternate delivery channel services.

Our state of the art Mobile App, Dhaka Bank GO (Click https://bit.ly/2WVfieu) and Internet Banking - Dhaka Bank Direct gives you the freedom of banking online anytime from anywhere. You can check the balance and transfer money to any designated Banks including any Dhaka Bank or bKash Account, make utility bill payments and mobile top-up through our Mobile App and Internet Banking Services. Our ATMs are also running efficiently with availability of sufficient cash for your convenience where you can make cash withdrawals whenever the need arises. Mentionable, the withdrawal of cash from any ATMs within Bangladesh with Dhaka Bank Debit Cards are absolutely free of charges up till April 30, 2020 (Dhaka Bank will bear the cost). Our corporate customers can also use our completely safe and secured online platform Dhaka Bank C-Solution for Payments, Inter Bank Fund Transfers, etc.

Moreover, to fulfill your urgent requirement, we have a limited no. of branches up and running by ensuring all kinds of precautionary and safety measures for you.

In case of extreme emergency and facing difficulties in conducting banking transactions, please let us know through our 24/7 Contact Center number 16474 (or, dial +8809678016474 for ISD/Overseas Calls). We are always with you to combat your difficulties.

As you know we are going through a critical phase and the situation is novel to all of us. We are getting lot of new information from various sources everyday about COVID-19 which will be shared at www.dhakabankltd.com.

Thank you for your trust and continued support to us. I firmly believe that jointly we will be able to combat this situation and win against all the odds.

Please stay home, stay safe and take care of yourself and family.

Best regards,

Emranul Huq
Managing Director & CEO
Dhaka Bank Limited