eSewa Transaction Limit: KYC Tiers, Daily and Monthly Caps Explained
What eSewa's own pages say about verified and unverified accounts, caps per payment type, and why two pages disagree.
By the EVO33APK Editorial Team · Fact-checked by a second editor · Last updated 6 October 2026
In short
The eSewa transaction limit depends on two things: whether your account is KYC verified, and what kind of payment you are making. eSewa states that unverified users cannot send or receive wallet-to-wallet at all, while verified users get set caps per send, per day and per month. The pages also disagree in places, so check your app before a large payment.
- Verified wallet sends: Rs 25,000 each, Rs 50,000 a day, Rs 500,000 a month.
- Unverified: no wallet-to-wallet transfers, per eSewa.
- Conflicts: bank payouts and the balance ceiling each show two different figures.
Every figure here comes from eSewa’s own pages, re-read on 6 October 2026. For a side-by-side with another wallet, see our eSewa vs Khalti comparison.
Table of contents
- How does the eSewa transaction limit change between verified and unverified accounts?
- What is the eSewa daily limit for sending and receiving?
- Which eSewa transaction limit applies to each payment type?
- What does eSewa charge on top of these caps?
- Why do two eSewa pages show different numbers?
- How can I see my own eSewa limit in the app?
- What should I do if an eSewa transfer is declined?
- What is the NRB directive behind eSewa's limits?
- Where do betting sites fit in?
- FAQ
How does the eSewa transaction limit change between verified and unverified accounts?
An unverified account is one that lacks KYC (know your customer) details and an ID document. eSewa’s FAQ lists citizenship card, licence, passport or voter’s card as the papers. The fix, per the FAQ, is to open your profile in the app and fill in the details.
The difference shows up most clearly in wallet-to-wallet transfers.
| What you can do | Unverified | Verified |
|---|---|---|
| Send or receive between wallets | Not allowed | Allowed, with the caps below |
| Hold money overnight | No figure published | Rs 50,000 on one line, Rs 500,000 on another |
| Other payment types | No separate figure published | Caps listed in the table further down |
Source: eSewa, Revision in Transaction Limits, and FAQ. Checked 6 October 2026.
So the eSewa KYC limit story is simple for wallet sends and thin for everything else. eSewa’s pages do not give a separate unverified cap for bank payouts, agent cash-in or card loads. Do not assume one exists.
What is the eSewa daily limit for sending and receiving?
For a verified user, eSewa states the same per-send and daily caps in both directions. Only the monthly count of receipts differs.
| Direction | Each transfer | Each day | Each month |
|---|---|---|---|
| Sending | Rs 25,000 | Rs 50,000, up to 10 transfers | Rs 500,000, up to 100 transfers |
| Receiving | Rs 25,000 | Rs 50,000, up to 10 transfers | Rs 500,000, up to 300 transfers |
Source: eSewa, Revision in Transaction Limits (page dated 3 July 2025). Checked 6 October 2026.
Here is what that means in practice. This is an illustration using our own arithmetic on eSewa’s figures. Two sends of Rs 25,000 use up the whole Rs 50,000 daily amount. Ten sends of Rs 5,000 reach the same total, and an eleventh would be over the count.
The month works the same way. Ten days of full-size sending reach Rs 500,000. Spread across 100 transfers, that averages Rs 5,000 each. The eSewa daily limit and the monthly one can therefore block you for different reasons, one by amount and one by count.
Which eSewa transaction limit applies to each payment type?
Outside wallet-to-wallet, eSewa lists four other lines. The pages do not tie these to verified or unverified status, so treat them as figures for a normal verified account.
| Payment type | Each transaction | Each day | Each month |
|---|---|---|---|
| Wallet to bank | Rs 50,000 | Rs 200,000, up to 10 | Rs 1,000,000, up to 50 |
| Account link | Rs 50,000 | Rs 100,000, up to 10 | Rs 1,000,000, up to 100 |
| Cash in at an agent | Rs 10,000 | Rs 25,000 | Rs 100,000 |
| Load by card | Rs 10,000 | Rs 25,000 | Rs 50,000 |
Sources: eSewa Revision in Transaction Limits (first three rows) and Tariffs (card row). Checked 6 October 2026. The pages write some amounts in lakh style, so Rs 2,00,000 is Rs 200,000.
Merchant payments have no fixed cap on the limits page. eSewa states that users can pay the amount a merchant bills, which still leaves your balance as the real ceiling.
Another worked illustration: four wallet-to-bank payouts of Rs 50,000 make Rs 200,000, which fills one day. A card load of Rs 10,000 would cost Rs 175 in processing at the published 1.75% rate, and five such loads would use up the monthly card allowance.
What does eSewa charge on top of these caps?
Here is a short summary of eSewa charges as the tariff page prints them, since the cost often arrives together with a limit problem.
- Sending to another user: free under Rs 100. Above that, free for the first 3 a day and 30 a month, then Rs 10 each.
- Bank transfer: a flat Rs 10 for amounts between Rs 100 and Rs 200,000.
- Card load: 1.75% of the amount loaded.
- Agent cash-in: Rs 5 up to Rs 5,000, Rs 15 up to Rs 15,000, Rs 25 up to Rs 25,000, taken from the amount itself.
Source: eSewa, Tariffs and Service Charges, checked 6 October 2026. The page also mentions 13% VAT where indicated and says charges can change.
Why do two eSewa pages show different numbers?
Anyone checking the eSewa transaction limit will meet two clashes, both on eSewa’s own pages.
- Bank payouts. The tariff page says up to Rs 100,000 per transaction goes to your own linked bank account, and Rs 50,000 to any other account. The limits page lists Rs 50,000 with no split.
- Balance ceiling. The limits page prints Rs 50,000 as the end-of-day balance, then Rs 500,000 for a verified user further down.
A third mismatch is older wording. The 2023 FAQ says a verified user can enjoy “unlimited” transactions, which the limits page contradicts. It also says cash-point loading is free for Rs 20,000 a month, a different measure from the Rs 100,000 monthly agent cap above.
We cannot tell which page is current. A sensible reading is to plan around the lower figure and treat the higher one as unconfirmed until the app shows it.
How can I see my own eSewa limit in the app?
The pages we read do not describe a screen that shows your remaining allowance, so we will not invent one. What the FAQ does say is where verification lives: your profile, under the KYC details.
The terms page adds a warning about the balance ceiling. It says a wallet found holding more than the permitted ceiling can be blocked, with or without prior notice. That is a good reason not to park large sums in the wallet.
What should I do if an eSewa transfer is declined?
A declined payment has several possible causes, and the eSewa transaction limit is only one. Work through them in order.
- Check verification. A wallet send from an unverified account is blocked outright.
- Check the three numbers. Compare the amount with the per-send cap, add today’s earlier sends to the daily figure, and count how many you have made.
- Check the count, not only the amount. Ten small sends can hit the daily count before the amount.
- Look for a pending status. The terms say a payment can sit as pending because of a problem at eSewa, the merchant or the bank.
- Split or wait. A smaller send, or one on the next day or month, avoids a cap. Splitting is fine for honest payments, but the daily count still applies.
If money left your account and did not arrive, our eSewa vs Khalti guide sets out the reporting steps and deadlines.
What is the NRB directive behind eSewa’s limits?
The NRB directive behind the eSewa transaction limit is named on the limits page as Nepal Rastra Bank Payment System Directive #5/075, dated 19th Bhadra 2083. The same page says the wallet-to-bank row applies from 5 September 2024 until further notice. The terms page adds that limits and tariffs can change with regulators’ rules or eSewa’s own policy.
The dates need care. By our own conversion, Bhadra 2083 falls around August to September 2026, later than the pages’ own stamps of 3 July and 17 July 2025. One of those dates may be misprinted, and eSewa does not explain which.
Where do betting sites fit in?
The eSewa transaction limit is a wallet rule, not a gambling allowance, and this guide does not suggest depositing anywhere. Betting is reported as illegal in Nepal: Rising Nepal, on 31 March 2026, quoted the government pointing to the Criminal Code 2017.
18+ only. If gambling is causing you harm, read our responsible gambling page.
FAQ
What is the eSewa transaction limit for a verified user?
For wallet-to-wallet, eSewa states Rs 25,000 per transfer, Rs 50,000 a day and Rs 500,000 a month. Other payment types have their own caps, listed above.
Is there an eSewa daily limit on the number of transfers?
Yes. eSewa lists 10 wallet transfers a day, in each direction, for verified users. Bank payouts also show 10 a day.
Can an unverified account use eSewa?
For wallet-to-wallet, no, per eSewa. Complete the KYC details in your profile first.
Does the eSewa transaction limit change over time?
It can. eSewa’s tariff and terms pages both say limits may change, and the limits page carries an NRB directive reference.
Are the eSewa charges the same as the limits?
No. Limits cap how much you can move. Charges are the fees, such as Rs 10 on a bank transfer.
Sources
Checked 6 October 2026. eSewa can change these pages without notice.
- eSewa, Revision in Transaction Limits (3 July 2025): blog.esewa.com.np/revision-in-transaction-limits.
- eSewa, Tariffs and Service Charges (17 July 2025): blog.esewa.com.np/esewa-tariffs.
- eSewa, Frequently Asked Questions (6 August 2023): blog.esewa.com.np/frequently-asked-questions.
- eSewa, Terms and Conditions (1 January 2017): blog.esewa.com.np/terms-and-conditions.
- Rising Nepal, betting statement (31 March 2026): risingnepaldaily.com/news/77981.
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