Nagad Customer API

Bangladesh Mobile wallet

Nagad personal wallet (Bangladesh) — PIN + SMS OTP login with an optional *167# device-change step, balance, paged transaction history & detail, recipient validation, fee preview, P2P send-money, and credential provisioning/refresh maintenance.

🔐 Try the login demo →

Overview

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Base URL: https://api.openbankinggateway.com — all responses use the unified {code, data} envelope.

Session flow: complete the login endpoints to receive a gateway token, then pass it as token= to every authenticated endpoint.

Transparency: the raw upstream fintech JSON is included under data.upstream on every response — success and error alike.

Fill in the parameters on any endpoint below and hit Send request to call the live gateway, or copy the curl example to run it from your terminal.

Auth

POST/api/nagad-customer/login/request-otp

Dispatch SMS OTP or signal *167# device-change

Parameter	In	Value
`account`*	query
`pinCode`*	query

curl -X POST 'https://api.openbankinggateway.com/api/nagad-customer/login/request-otp?account=01900000002&pinCode=1234'

POST/api/nagad-customer/login/verify-ussd-otp

Submit the *167# device-change USSD code

Parameter	In	Value
`account`*	query
`ussdOtp`*	query

curl -X POST 'https://api.openbankinggateway.com/api/nagad-customer/login/verify-ussd-otp?account=01900000002&ussdOtp=<ussdOtp>'

POST/api/nagad-customer/login/verify-otp

Verify OTP and issue a session token

Parameter	In	Value
`account`*	query
`otp`*	body
`uid`	body

curl -X POST 'https://api.openbankinggateway.com/api/nagad-customer/login/verify-otp?account=01900000002' \ -H 'Content-Type: application/json' \ -d '{"otp":"582914"}'

Account

GET/api/nagad-customer/balance

Wallet balance (token required)

Parameter	In	Value
`token`*	query

curl -X GET 'https://api.openbankinggateway.com/api/nagad-customer/balance?token=<token>'

GET/api/nagad-customer/transaction-history

Paged transaction history (token required)

Parameter	In	Value
`token`*	query
`page`	query

curl -X GET 'https://api.openbankinggateway.com/api/nagad-customer/transaction-history?token=<token>&page=0'

GET/api/nagad-customer/transaction-detail

Single transaction detail (token required)

Parameter	In	Value
`token`*	query
`txnId`*	query
`approvalDate`*	query

curl -X GET 'https://api.openbankinggateway.com/api/nagad-customer/transaction-detail?token=<token>&txnId=<txnId>&approvalDate=20260731'

Transfer

GET/api/nagad-customer/validate-account

Check a recipient is a registered wallet

Parameter	In	Value
`token`*	query
`destMobile`*	query

curl -X GET 'https://api.openbankinggateway.com/api/nagad-customer/validate-account?token=<token>&destMobile=01800000002'

GET/api/nagad-customer/fee-commission

Preview fee / commission / net for a transfer

Parameter	In	Value
`token`*	query
`destMobile`*	query
`amount`*	query
`txType`	query

curl -X GET 'https://api.openbankinggateway.com/api/nagad-customer/fee-commission?token=<token>&destMobile=01800000002&amount=100'

POST/api/nagad-customer/p2p

P2P send-money to another Nagad wallet

Parameter	In	Value
`token`*	query
`destAccountNo`*	query
`amount`*	query
`userRefMessage`	query

curl -X POST 'https://api.openbankinggateway.com/api/nagad-customer/p2p?token=<token>&destAccountNo=01800000002&amount=50'

Maintenance

POST/api/nagad-customer/refresh-card-data

Provision/refresh P2P payment credentials

Parameter	In	Value
`token`*	query

curl -X POST 'https://api.openbankinggateway.com/api/nagad-customer/refresh-card-data?token=<token>'

POST/api/nagad-customer/replenish-card

Refresh the transaction credential quota

Parameter	In	Value
`token`*	query

curl -X POST 'https://api.openbankinggateway.com/api/nagad-customer/replenish-card?token=<token>'

POST/api/nagad-customer/reinitialize-wallet

Re-provision an existing session for P2P

Parameter	In	Value
`token`*	query

curl -X POST 'https://api.openbankinggateway.com/api/nagad-customer/reinitialize-wallet?token=<token>'