Nagad Customer API

孟加拉国手机钱包

Nagad 个人钱包（孟加拉国）—— PIN + 短信 OTP 登录（含可选的 *167# 换设备步骤）、余额、分页交易历史与详情、收款人校验、手续费预览、P2P 转账，以及凭证下发/刷新维护。

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概览

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基础 URL： https://api.openbankinggateway.com — 所有响应均采用统一的 {code, data} 结构。

会话流程： 完成登录端点即可获得网关 token，随后在每个需要鉴权的端点以 token= 传入。

透明性： 每个响应（无论成功或失败）都在 data.upstream 下附带原始的上游金融科技 JSON。

在下方任意端点填入参数并点击 Send request 即可调用在线网关，或复制 curl 示例在终端中运行。

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>'