In today’s fast-growing digital world, online financial services have made sending and receiving money easier than ever. In Bangladesh, one of the emerging digital payment platforms is Ekosh Online. It allows users to manage transactions, pay bills, recharge mobiles, and transfer funds conveniently from their mobile devices.
If you are new to Ekosh Online and want a complete beginner-friendly guide, this article will walk you through everything step by step.
What Is Ekosh Online?
Ekosh Online is a digital financial service platform in Bangladesh that enables users to perform various financial transactions using their mobile phones. It works similarly to other mobile financial services and allows you to:
Send money
Receive payments
Pay utility bills
Recharge mobile balance
Cash in and cash out
Make merchant payments
Ekosh Online is designed to provide fast, secure, and user-friendly digital financial services for individuals and businesses.
Step 1: Download the Ekosh Online App
The first step is installing the official Ekosh Online application on your smartphone.
How to Download:
Open the Google Play Store (for Android users).
Search for “Ekosh Online.”
Select the official app.
Tap on Install.
Wait for the installation to complete.
Make sure you download the official app to avoid scams or fake applications.
Step 2: Register Your Account
After installing the app, the next step is creating your account.
Registration Process:
Open the Ekosh Online app.
Click on Sign Up or Register.
Enter your active mobile number.
Verify your number using the OTP (One-Time Password) sent to your phone.
Create a secure PIN (usually 4 or 5 digits).
Complete your profile information (Name, NID details if required).
Once completed, your Ekosh Online account will be ready to use.
Step 3: Set a Strong PIN for Security
Your PIN is the most important part of your account security. Always choose a unique and difficult-to-guess PIN.
Tips for Creating a Secure PIN:
Avoid using your birth year.
Do not use simple numbers like 1234.
Never share your PIN with anyone.
Change your PIN regularly for safety.
Security should always be your top priority while using digital financial services.
Step 4: Add Money to Your Ekosh Online Account (Cash In)
Before making transactions, you need to add money to your account.
Ways to Add Money:
Visit an authorized Ekosh Online agent.
Transfer money from your linked bank account.
Receive money from another Ekosh Online user.
At an agent point:
Provide your mobile number.
Give the amount you want to deposit.
Confirm the transaction with your PIN.
Receive confirmation SMS.
Your balance will update instantly.
Step 5: Send Money to Another User
Sending money is one of the most common features of Ekosh Online.
How to Send Money:
Open the app.
Select Send Money option.
Enter the receiver’s mobile number.
Enter the amount.
Add reference (optional).
Confirm with your PIN.
Once confirmed, the receiver will get the money instantly.
Step 6: Mobile Recharge
Ekosh Online makes mobile recharge very easy.
Recharge Steps:
Select Mobile Recharge from the home screen.
Enter the mobile number.
Choose the operator.
Enter the amount.
Confirm with your PIN.
The recharge will be completed instantly.
Step 7: Pay Utility Bills
You can also pay electricity, gas, water, and internet bills using Ekosh Online.
Bill Payment Process:
Click on Bill Pay option.
Choose the service provider.
Enter your bill number or account number.
Enter the payable amount.
Confirm with your PIN.
You will receive a confirmation message after successful payment.
Step 8: Cash Out (Withdraw Money)
If you need physical cash, you can withdraw from an authorized agent.
Cash Out Steps:
Visit an Ekosh Online agent.
Provide your mobile number.
Enter the amount you want to withdraw.
Confirm using your PIN.
Collect your cash.
Always check transaction charges before withdrawing.
Step 9: Check Transaction History
Ekosh Online allows users to track all transactions.
How to Check History:
Open the app.
Go to Transaction History.
View all past transactions with date and amount.
This helps you monitor your spending and keep records.
Step 10: Keep Your Account Safe
Digital security is extremely important.
Safety Tips:
Never share your OTP.
Do not click on suspicious links.
Always log out after use.
Use a secure internet connection.
Contact official support for help.
If you suspect fraud, immediately contact Ekosh Online customer support.
Benefits of Using Ekosh Online
Here are some major advantages:
Fast transactions
24/7 service availability
Secure payment system
Easy mobile recharge
Convenient bill payments
Accessible in rural and urban areas
Ekosh Online helps reduce the need to carry cash and saves time.
Common Problems and Solutions
1. OTP Not Received
Wait a few minutes and check network signal. Retry if needed.
2. Transaction Failed
Check your balance and internet connection.
3. Forgot PIN
Use the “Forgot PIN” option and follow verification steps.
If problems continue, contact customer support.
Final Thoughts
Ekosh Online is becoming an important part of Bangladesh’s digital payment ecosystem. It offers a simple and secure way to manage money using your mobile phone. From sending money to paying bills and recharging mobiles, everything can be done in just a few steps.
If you follow the step-by-step guide mentioned above, you can easily use Ekosh Online without confusion. Always prioritize security, protect your PIN, and use only official channels for transactions.