Quick Facts at a Glance
- Min Deposit
- ৳250
- Arrival Time
- 2 min
- Welcome Bonus
- 115%
- Wagering
- ×12
All amounts in BDT (৳). Bonus applies to your first deposit only. Wagering requirement: 12× the bonus amount.
Payment Methods & Timings
zk66 accepts five payment methods that cover the most common ways people move money in Bangladesh. Every method has the same minimum deposit and the same two-minute processing target.
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bKash
Min Deposit৳250Deposit Time~2 minWithdrawal Time~10 min
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Nagad
Min Deposit৳250Deposit Time~2 minWithdrawal Time~10 min
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Rocket
Min Deposit৳250Deposit Time~2 minWithdrawal Time~10 min
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Upay
Min Deposit৳250Deposit Time~2 minWithdrawal Time~10 min
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Bank Transfer
Min Deposit৳250Deposit Time~2 minWithdrawal Time~10 min
Mobile wallet methods (bKash, Nagad, Rocket, Upay) are the fastest. Bank Transfer works fine but can take slightly longer depending on your bank's own processing schedule.
How to Make Your First Deposit
These steps apply to every payment method. The only difference is what happens inside the payment app itself — covered method by method below.
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1
Log in to zk66
Open zk66 Login on your phone or browser. Enter your username and password.
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2
Go to Deposit
Tap the wallet icon or "Deposit" in the top menu. The cashier page opens with all payment options.
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3
Choose a Method & Amount
Select bKash, Nagad, Rocket, Upay or Bank Transfer. Enter an amount of at least ৳250.
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4
Confirm in Your App
Complete the payment inside your chosen app. Your zk66 balance updates within 2 minutes.
bKash Step-by-Step
bKash is the most widely used mobile wallet in Bangladesh and the most popular deposit method at zk66. Use the Send Money flow — not Payment — to avoid extra fees.
Depositing via bKash
- On the zk66 cashier page, select bKash and enter your deposit amount (minimum ৳250).
- zk66 displays a merchant number and a unique reference code. Copy both — you will need them in the next step.
- Open your bKash app and tap Send Money.
- Enter the merchant number shown on the cashier page as the recipient.
- Enter the exact amount you typed on zk66. Add the reference code in the reference field.
- Confirm with your bKash PIN. You will receive an SMS confirmation from bKash.
- Return to zk66. Your balance should update within 2 minutes. If it does not, tap Check Status or contact live chat.
Important: Always use the reference code zk66 gives you. Without it, the deposit cannot be matched to your account automatically.
Nagad Step-by-Step
Nagad is operated by Bangladesh Post Office and has very low transfer fees. The process is nearly identical to bKash.
Depositing via Nagad
- Select Nagad on the zk66 cashier page. Enter the amount you want to deposit (minimum ৳250).
- Note the recipient number and the transaction reference code shown on screen.
- Open your Nagad app and tap Send Money.
- Enter the recipient number and amount. Put the reference code in the note field.
- Confirm with your Nagad PIN.
- Go back to zk66 and wait up to 2 minutes for your balance to update.
Rocket Step-by-Step
Rocket (by Dutch-Bangla Bank) works from both the app and USSD dial codes. The app route is faster and easier to track.
Depositing via Rocket
- Choose Rocket on the zk66 deposit page. Set your amount (minimum ৳250).
- Copy the account number and reference code that zk66 displays.
- Open the Rocket app. Select Send Money and enter the account number.
- Enter the amount and paste the reference code into the reference field.
- Enter your Rocket PIN to confirm.
- Your zk66 wallet is credited within 2 minutes.
Upay Step-by-Step
Upay (UCB) is gaining popularity for its quick transfers. The steps are the same as other mobile wallets.
Depositing via Upay
- On the zk66 cashier, pick Upay and enter your deposit amount (minimum ৳250).
- zk66 shows a recipient number and a reference code. Write them down or screenshot them.
- Open the Upay app and go to Send Money.
- Enter the recipient number, amount and reference code as instructed.
- Confirm the transaction with your Upay PIN.
- Return to zk66. Your balance updates within 2 minutes.
Bank Transfer Step-by-Step
Use bank transfer if you prefer to send larger amounts directly from your personal bank account. The processing target is still 2 minutes once zk66 receives your payment.
Depositing via Bank Transfer
- Select Bank Transfer on the zk66 cashier. Enter your deposit amount (minimum ৳250).
- zk66 shows the bank account details and a unique reference number for this transaction.
- Log in to your online banking or visit an ATM/agent. Create a new transfer to the given account.
- Enter the reference number in the payment description or narration field — this is essential.
- Submit the transfer. Keep the receipt or transaction ID from your bank.
- Return to zk66 and tap I Have Paid or upload the receipt if prompted. Your balance credits within 2 minutes of confirmation.
Bank transfers over ৳50,000 may require an additional verification step. Have your NID ready. For withdrawals, see the Withdrawal & KYC Guide.
Why Deposits Fail — and How to Fix It
Most failed deposits have a simple cause. Check this table before contacting support — you can usually resolve the issue yourself in under a minute.
| Reason | What Happened | Fix |
|---|---|---|
| Missing reference code | You sent the money but left the reference field blank. The system cannot match the payment to your account. | Action Contact 24/7 live chat. Provide your bKash/Nagad transaction ID. Support will credit manually within minutes. |
| Amount below minimum | You sent less than ৳250. The deposit is declined automatically. | Action Make a new deposit of at least ৳250. If the previous amount was deducted, contact support with the transaction ID for a refund. |
| Wrong recipient number | The number you used has expired. zk66 rotates merchant numbers periodically for security. | Action Always copy the number from the current zk66 cashier page — do not reuse a number from a previous session. |
| bKash/Nagad daily limit reached | Your mobile wallet has a daily send limit set by the operator. | Action Switch to another method (Rocket, Upay or Bank Transfer) or wait until midnight when limits reset. |
| Deposit still pending after 10 min | Network delays can occasionally slow processing beyond the usual 2 minutes. | Action Open live chat, share your transaction ID and phone number. Support resolves pending deposits 24/7. |
| Account not verified | Some large deposits require KYC before funds are released to your balance. | Action Submit your NID or passport via the verification page. See the KYC Guide for details. |
Deposit & Claim Your Welcome Bonus
Your first deposit at zk66 qualifies for a 115% welcome bonus up to ৳9,500. The bonus is added automatically — there is no code to enter.
How the Welcome Bonus Works
| Bonus rate | 115% of your first deposit |
| Maximum bonus | ৳9,500 |
| Minimum deposit | ৳250 |
| Wagering requirement | 12× the bonus amount |
| Valid for | 7 days from activation |
Example: You deposit ৳1,000. zk66 adds a 115% bonus of ৳1,150 to your balance (bonus capped at ৳9,500). Wagering: ৳1,150 × 12 = ৳13,800 in eligible bets before the bonus converts to real cash.
Common Questions About Depositing
What is the smallest amount I can deposit?
The minimum deposit at zk66 is ৳250 for all payment methods — bKash, Nagad, Rocket, Upay and Bank Transfer. Any amount below this will be declined automatically.
How long does a deposit actually take?
Mobile wallet deposits (bKash, Nagad, Rocket, Upay) credit within 2 minutes in most cases. Bank Transfer also targets 2 minutes but can take a little longer if your bank has its own processing delay. If 10 minutes pass and your balance has not updated, contact live chat.
Is there a deposit fee?
zk66 charges no deposit fee from its side. Your mobile wallet provider may charge a standard send-money fee according to their own tariff. Check your bKash or Nagad app for current rates.
Can I deposit from someone else's bKash account?
No. The mobile wallet number you use to deposit must be registered in your own name. Using another person's account may result in the deposit being held pending verification.
Do I need to verify my identity before depositing?
You can make deposits without completing KYC. However, your first withdrawal requires identity verification. It is a good idea to submit your NID or passport early so there is no delay when you want to cash out. See the Withdrawal & KYC Guide for the full process.
My deposit went through on bKash but zk66 balance did not change. What do I do?
First check that you included the reference code when sending. If you did, open live chat and share your bKash transaction ID and the amount. The support team is available 24/7 and will locate and apply the payment manually, usually within a few minutes.
Can I cancel a deposit?
Once a mobile wallet transfer is confirmed, it cannot be reversed from the zk66 side. If you sent money by mistake (wrong amount, duplicate payment), contact live chat immediately with your transaction ID and they will assess each case individually.
Does depositing more unlock higher VIP tiers?
VIP tier is based on monthly turnover (the amount you wager), not just deposits. The Silver tier starts at ৳20,000 in monthly turnover, Gold at ৳73,000, Ruby at ৳260,000, Sapphire at ৳960,000 and Diamond at ৳3,500,000. See the full Bonus & VIP page for cashback and withdrawal limit details per tier.