How MySheba Remittance Works

Sending money home is one of the most important things MySheba helps with — and one of the most important things to get right. Here's exactly how the process works.

MySheba is a platform, not a bank

It's worth being upfront about this: MySheba is not a bank or a licensed money services operator. Instead, MySheba connects you to a network of verified, licensed dealers who process the actual transfer. MySheba provides the app, the tracking, and the rate transparency; the dealer handles the regulated money movement.

The request-to-delivery flow

1. Check today's rate in the app before you commit to anything.
2. Submit a remittance request with the destination, amount, and channel you want.
3. A vetted dealer accepts the request and processes the transfer through their own licensed channels.
4. Track the status in real time from your side and see updates as the dealer moves it along.

Supported countries

Remittance is available to Bangladesh, India, Nepal, Indonesia, Pakistan, Myanmar, the Philippines, and Cambodia.

Supported channels

• Mobile banking deposit — direct to services like bKash or Nagad where supported.
• Bank transfer — deposit to a traditional bank account.
• Cash pickup — available at designated points depending on the country.
• Home delivery — available in select locations through partner networks.

Fees and limits

Fees and limits vary by destination, channel, and dealer, and the exact fee plus exchange rate is shown before you confirm. Dealer commission is already included in the rate you see — what's displayed at confirmation is what you pay. Minimums and maximums apply per transaction and per day, and live rates can shift slightly while a request is processing.