UPay Overview
UPay is a mobile financial service and digital payment platform in Bangladesh, operated by UCB Fintech Limited, a subsidiary of United Commercial Bank. It enables users to perform a wide range of banking and payment transactions directly from their mobile phones, making financial services accessible anytime and anywhere.
What is UPay?

UPay is a mobile financial service (MFS) and digital payment platform in Bangladesh, owned and operated by UCB Fintech Company Limited, a subsidiary of United Commercial Bank (UCB). It’s designed to let users make secure, cashless financial transactions anytime and anywhere directly from their mobile phones.
How to Deposit Using UPay?
Step 1: Log in to Your JaoJit Account
Open the platform and log in using your registered username and password. Make sure your account is active before proceeding.

Step 2: Go to JaoJit Deposit Section
After logging in, navigate to the Deposit section from the main menu or dashboard. Select UPay as your preferred payment method.

Step 3: Enter Deposit Amount
Enter the amount you want to deposit in Bangladesh Taka (BDT). Check the amount carefully before moving to the next step.

Step 4: Confirm UPay Payment Details
Follow the on-screen instructions to complete the payment using your UPay account. Confirm the transaction details and enter your UPay PIN when prompted. Once confirmed, the deposit will be processed, and the funds will appear in your account shortly.
How to Withdraw Using UPay?
Step 1: Log in to Your JaoJit Account
Open the platform and log in using your registered username and password. Make sure your account is active before proceeding.

Step 2: Go to JaoJit Withdrawal Section
After logging in, navigate to the Withdrawal section from the main menu or dashboard. From here you can choose UPay as your preferred withdrawal method.

Step 3: Enter Withdrawal Amount
Enter the amount you wish to withdraw in Bangladesh Taka (BDT). Double-check the amount to avoid errors.

Step 4: Submit the Withdrawal Request
Confirm the withdrawal details and submit your request. Once approved, the funds will be sent to your UPay account. Processing time may vary, but withdrawals are usually completed quickly.
