Sonali Bank eWallet
Terms and Conditions

The terms and conditions set forth in this agreement explain your rights and obligations, the Customer (user), and us (Sonali Bank Limited), in connection with your use and our services related to eWallet. All terms and conditions of this agreement are legally binding, so we advise you to please read them through carefully. .


In this Agreement, the following words shall have the respective
meanings set out hereunder unless the context otherwise requires:
a)     Bank means Sonali Bank Limited, its successors and assigns.

  1. Agreement means the 'Terms and Conditions' along with Sonali
    Bank VISA Debit Card Application Form.
  2. ATM means any Automated Teller Machine or Terminal
    belonging to the bank that accepts card along with PIN for cash
  3. Card means any Card bearing the name of Sonali Bank Limited
    issued to the Account holders for use on their Account and
    includes any such issued in replacement or renewal thereof, to
    avail cash withdrawal services or POS transaction.
  4. Sonali Bank Debit Card means valid VISA Cards issued by Sonali
    Bank Limited.

f)  PIN in relation to any Card means the Personal Identification
Number assigned by Sonali Bank to that Card which will beused
for accessing Cardholder’s nominated bank Account(s) through
an ATM.

  1. Cardholder where used in raltion to a Debit Card means Sonali
    Bank Account holder to whom Debit Card has been issued at
    his / her request.
  2. Customer means the Account holders of Sonali Bank stated
  3. Card Transaction means any transaction or instruction effected
    or issued by the cardholder by the use of the card.
  1. 'Sonali Bank Visa Debit Card' is the property of the Bank at all
    times. It is non-transferable and will be used exclusively by the
  2. The Bank reserves the right to seize/cancel the card so issued to
    any cardholder if the information submitted by the Cardholder is
    false and/or the card is being misused, if found at a later date.
  3. The Bank reserves the right to limit the total cash withdrawal or
    goods and services purchased at Visa authorized merchants by
    the cardholder during a 24 hour period.
  4. Upon termination of account relationship with Bank for any
    reason whatsoever, Card shall be returned to the respective
    branch or Sonali Bank Card Division within 7 (seven) days from
    the date of receipt of notice thereto.
  5. Use of the Card after notice of withdrawal of the privileges is
    fraudulent and may subject the Cardholder(s) to legal action by
    the Bank.

The Card can be used for: Availing Cash withdrawals from Sonali
Bank Branch locations or the places where Sonali Bank ATMs are
deployed. ATM Establishment displaying the Visa Logo and Q-Cash
Member Banks ATM Locations or POS transactions for goods and
services obtained from Visa authorized merchants in Bangladesh by
the use or the Card.

  1. The Cardholder shall not disclose the PIN to anyone. The
    Cardholder will be liable to the Bank for any and all transactions
    made by the use of the Card and hereby agrees to indemnify the
    Bank for any losses or damages howsoever caused by any
    unauthorized use of Card or PIN, unless the Bank has reveived
    notice in writing of any loss, damage or theft of the Card or
    disclosure of the PIN prior to any unauthorized use of the Card
    or PIN for this purpose, use of the Card by a person who
    obtained possession of the Card with the consent of the
    Cardholder constitutes authorized use to the Card.
  2. Notwithstanding the loss or theft of any Card or disclosure of the
    PIN in respect of any Card, the Bank may charge and debit the
    Account for the amount of each and every Card Transation
    made or affected before written confirmation by the Cardholder
    of such loss, theft or disclosure is reveived by the Bank.
    Replacement of Card will be provided to the Cardholder and
    charges in this regard will be debited from the account.


Bank will charges and debit the customer Account relating to any

a)  An annual service fee and VAT for the issue or renewal of the
Card at such rate as the Bank may prescribe from time to time
without notice.

b)  In the event of replacement of the card due to whatever reasons
as requested by the cardholder, a replacement fee will be
charged to the account as prescribed by the Bank management.

  1. In the event of resetting the PIN, a fee will be dharged to the

The Card shall not be valid and Bank shall be entitled to the
immediate return of the Card in the event of

  1.    Closure of the Designated Account,
  2.   Death of the Account/Card holder,
  3. The Cardholder's authority to operate the Designated Account is
  4.   The Cardholder ceases to be a customer of the Bank,
  5.    The Bank requests for its return.



Sonali Bank shall not be responsible or liable to any and all
cardholder for any loss or damage incurred or suffered as a
consequence of:

  1. Any malfunction, defect or error in any ATM, or other machines
    or system of authorization whether belonging to or operated by
    the Bank or otherwise.
  2. Any delay or inability of the Bank to perform any of its
    obligations pursuant to this Agreement because of any
    mechanical, data processing or telecommunication failure. Act of
    God, civil disturbance or any event outside of the bank's control
    or as a consequence of any fraud or forgery.
  3. Any damage to or loss of or inability to retrieve any data or
    information that may be stored in any Card howsoever caused.
  4. Any undesired fraud and forgery be means of computer hacking
    or any means that causes for any burden to the Cardholder.

Card Services of the Bank may disclose any information relating to
any cardholder for any card account of card transaction to the Bank
authority or any regulatory body or any other person if the Bank
considers its interest to do so.

  1. All rules and regulations governing the operations or current and
    savings accounts will be applicable of the Card transactions
    relating to such accounts.
  2. The Bank may at any time change terms and conditions without
    prior notice to the Cardholder.
  3. These Terms and Conditions will stand amended if such
    amendments are necessitated by law, government regulations
    or instructions issued by the Bangladesh Bank.
  4. All notifications and/or questions concerning the use of the Card
    should be directed to the Branch Manager of the Cardholder's
    branch or the Card Division.
  5. Cardholder will not use this card for any illegal transaction or
    anything unlawful, under the laws of Bangladesh.
  6. All disputes are subject to the jurisdication of courts in
    Bangladesh only.
  7. In case of any disputes, notify designated Branch within 45
    (Forty Five) days.

I do hereby acknowledge that I have read and understood the above
terms and conditions and agree to comply with them.

I do hereby confirm that I have read and understood the above terms and conditions and agree to comply with them