Upay is more than a mobile wallet — it's a smart payment system directly linked to your bank account. Using Upay on Puji 9 means faster deposits, reliable withdrawals, and a fully secure experience end to end.
When people think of mobile banking in Bangladesh, bKash or Nagad usually come to mind first. But for those who want both bank-level security and mobile convenience, Upay is an excellent alternative. Upay is the mobile financial service of United Commercial Bank (UCB), directly linked to your bank account.
What makes Upay special on Puji 9 is that your money flows through UCB Bank's infrastructure. This means every transaction comes with bank-grade security, a full transaction log, and a complete audit trail. For users who are security-conscious and like to keep records of every payment, this is a significant advantage.
Deposits made via Upay on Puji 9 are typically credited to your wallet within 5 to 15 minutes. During banking hours (9 AM to 11 PM), the process is even faster. For withdrawals, funds are sent directly to your Upay account and generally arrive within 15 to 30 minutes.
Another major advantage of Upay is its bank-linked auto top-up feature. You can move funds directly from your UCB account to your Upay wallet and use them on Puji 9 — no separate bank transfer needed. This gives you the best of both worlds: bank-level security and the speed of mobile payments.
Opening an Upay account is simple and free. You can register at any UCB Bank branch or authorized agent point — all you need is your National ID (NID) and an active mobile number. Existing UCB account holders can also register online directly through the Upay app.
Once your Upay account is set up, using it on Puji 9 requires no extra steps — just select Upay on the Puji 9 payment page and complete the transaction with your number and PIN. It might take a moment the first time, but after that it's very quick. Once set up, every deposit only takes a few taps.
UCB Bank's network covers most of Bangladesh — Upay agents are available from major cities down to district towns, making cash-in and cash-out straightforward. For anyone who hasn't used online banking yet but wants to deposit on Puji 9, Upay's cash-in option is a practical and easy solution.
Please note — Puji 9 does not charge any fees for payments made via Upay. However, Upay has its own transaction fee policy that may apply to your wallet — this charge is solely Upay's; nothing is added on Puji 9's end.
BKash is the most widely used option due to its large user base and extensive agent network. However, bKash has relatively lower daily and monthly transaction limits, and service charges can be higher in some cases. Nagad frequently offers better cashback deals and is fast, but has restrictions on certain larger transactions.
What sets Upay apart is its bank-linked identity verification and relatively high transaction limits. It's an ideal choice for users who transact regularly in medium to large amounts and prefer bank-level security. The ability to move funds directly from a UCB account is also a unique advantage.
Compared to Eastern Bank (EBL) transfers, Upay is faster and far more mobile-friendly. EBL offers higher maximum limits and suits large corporate use cases, but for regular players, Upay's speed and accessibility make it the more attractive option. Both methods are fully supported on Puji 9.
Log in to your account and go to the "Deposit" button.
Select "Upay" from the list of payment methods.
Enter the deposit amount and note the reference code you receive.
Open the Upay app and complete your payment using "Send Money" or "Payment" — make sure to include the reference number.
Funds will be added to your Puji 9 wallet within 5–15 minutes.
| Features | Upay | BKash | Nagad | EBL Bank |
|---|---|---|---|---|
| Bank-Linked | Yes | Yes | ||
| Deposit Limit | ৳50,000 | ৳30,000 | ৳30,000 | ৳2,00,000 |
| Deposit Speed | 5–15 minutes | Instant | Instant | 15–60 minutes |
| Puji 9 Platform Fee | 0% | 0% | 0% | 0% |
| Transaction Records | Yes | Yes | Yes | Yes |
| Mobile App | Yes | Yes | Yes | Limited |
Upay operates under UCB Bank's oversight — every transaction is protected by the bank's own security protocols.
Move funds directly from your UCB account to your Upay wallet — no separate bank transfer required.
Your full transaction history is available in the Upay app — easy to access whenever you need records for tax purposes or anything else.
Scan Upay's QR code to pay instantly — no need to type in any numbers.
Cash in from anywhere in the country via UCB branches and Upay agents.
If you run into any issues with your Upay payment, Puji 9's Bengali-speaking support team is ready to help right away.
After payment, open the Upay app and check "Transaction History" to confirm the debit. Note down the transaction ID or UTR number.
During peak hours, it may take a little longer. Funds typically arrive in your Puji 9 wallet within 15 minutes.
Contact support via Live Chat with your transaction ID, amount, and time. Our team will verify it manually and confirm.
If your balance has been debited but hasn't appeared on Puji 9, report the issue to Upay customer care as well.
Puji 9 tracks every valid transaction and ensures it is resolved. No transaction ever goes missing.
When making a payment via Upay, always enter the reference code provided by Puji 9 accurately. Without it, your deposit may take longer to match.
* Bonus terms and conditions apply. This is an estimate only.