Create Your Account in Two Screens
Opening an account on 99xo takes one form: a mobile number, a password you pick, and a confirmation code that arrives by SMS.
Fund Your Wallet with Local Payments
A wallet only matters once it has money in it, and this is the part we keep short. bKash, Nagad and Rocket all work from the same cash-in screen: pick the wallet, send to the number we show, then confirm with your PIN and the balance lands in your 99xo account. Upay and bank transfer sit alongside for anyone who prefers them. Your wallet provider's own charges, if any, apply as usual.
bKash
Pick bKash at cash-in, send the amount to the number on screen, then enter your PIN inside the bKash app. The wallet balance updates here after the transfer confirms.
Nagad
Nagad follows the same steps through its app or USSD menu. Keep the transaction ID handy if the balance does not show, and support can trace it with that number.
Rocket
Rocket cash-in suits anyone already banking with the partner network. Send from your Rocket account, then return to the cash-in screen and confirm the reference so we match it.
Upay
Upay runs identically for people already using it. Choose the wallet, send to the displayed number, and the amount appears in your account once the transfer clears.
Bank Transfer
Bank transfer is the slower route and works better for bigger amounts. Use the account details on the cash-in screen and include the reference so the payment reaches you.
Where to Get Account Help
Getting help starts with signing in, because chat sits inside the account menu rather than on a public page. From there you can raise a sign-in problem, a cash-in that did not show, or a question about the ID document we asked you to send. Keep the details to hand before you write: your registered mobile number, the wallet you paid from, and the transaction ID. It shortens the conversation.
Live chat inside your account
Sign in first, then open chat from the account menu. Have your registered mobile number and, for cash-in issues, the wallet transaction ID ready — that is what the agent needs to trace anything.
Email for document follow-ups
Verification questions and wallet name mismatches are easier by email, where you can attach a clear photo of the ID we ask for. Reply on the same thread so the history stays together.
Sign-in and code problems
If the SMS code never arrives, check the SIM is in the handset, then ask for a resend from the sign-in screen. Repeated failures usually mean the number is registered to someone else.
How We Keep Your Account Safe
Your account holds money and your personal details, so we treat the login the way a bank treats a card: the password is only one part of it, and the SMS code is the second. Active sessions show the device and time, and you can end one you do not recognise from the same menu. Everything between your phone and our servers runs over an encrypted connection.
Encrypted connection
Pages carrying your password or wallet details load over HTTPS, so what you type is protected in transit. Check for the padlock before signing in on a device you do not own.
Identity check at withdrawal
The first withdrawal triggers a name and document check against the details you registered. Send a clear photo of the ID, and the account name is matched before any payment is released.
Device and session control
Each sign-in shows the device and time on your account screen. Sign out sessions you do not recognise, then change your password — the SMS code protects that change too.
Your details stay with us
We ask only for what the account and the wallet check need: mobile number, name, date of birth and your ID at verification. That data is used for your account, not sold on.
What the Sign-Up Form Asks For
Here is what the form asks for, and nothing more. You give a mobile number that can receive SMS, choose a password, and confirm the code we send to it. That code ties the account to your handset, and it is how you sign in again on a new device. After that you set a
display name and, if you want them, your own spending limits and session reminders — both sit in account settings and you can change them at any time. Signing in later works the same way: number and password, then the SMS code when we ask. If you forget the password, the reset on this page
sends a fresh code to the same number, so keep that SIM in the phone you carry. Documents are not part of sign-up. Identity checks come at your first withdrawal, and the name on your bKash, Nagad or Rocket account has to match the name you register here. Getting that right now saves a round
of messages later.
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SMS code sign-in Every new device asks for a one-time code sent to your registered number, so a stolen password alone does not open your wallet or the lobby.
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Name that matches your wallet Register the name that appears on your bKash, Nagad or Rocket account. A match here is what lets a withdrawal clear without a second round of checks.
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Settings you control Spending limits, session reminders and marketing messages sit in your account settings from the day you join, and you can switch any of them off yourself.
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A desk that answers If the SMS does not arrive or the form rejects your number, our support desk can look at the account and resend the code, using the routes listed below.
Account
Here is what the form asks for, and nothing more. You give a mobile number that can receive SMS, choose a password, and confirm the code we send to it. That code ties the account to your handset, and it is how you sign in again on a new device. After that you set a display name and, if you want them, your own spending limits and session reminders — both sit in account settings and you can change them at any time. Signing in later works the same way: number and password, then the SMS code when we ask.
Explore the LobbyYour details are encrypted for secure account access.
Sign-Up Questions You Might Have
Most of what people ask us about registration comes down to the number, the SMS code and the name on the wallet. Below are the answers we give most often on chat. If yours is not here, sign in or write to the desk and an agent will look at the account directly rather than guess.
Register
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.