Kumari Bank Transaction Limits Overview: Omni Mobile, Web & Cards in Nepal
21st June 2025, Kathmandu
Digital banking is becoming a part of daily life. Kumari Bank provides Kumari Smart Mobile Banking and Omni Web Banking to help customers manage their money easily.
Kumari Bank Transaction Limits
However, every banking system has transaction limits. Knowing these limits is essential. It prevents failed transactions and saves time. This article explains the limits for different services on Kumari Bank’s platforms.
Transaction Limits On Omni Mobile Banking
Omni Mobile Banking offers quick access to banking services from your phone. Yet, there are set limits to keep transactions secure. For fund transfers, you can send up to NPR 100,000 per transaction. The daily limit is NPR 300,000, and monthly transactions can reach NPR 1,000,000.
For payments, including QR code payments, the per-transaction and daily limits are NPR 300,000. The monthly cap is NPR 1,000,000.
When loading wallets, limits are lower. You can load NPR 25,000 per transaction, NPR 100,000 daily, and up to NPR 500,000 monthly. These rules help manage risks and protect your account.
Higher Limits With Omni Web Banking
Omni Web Banking is designed for desktop and laptop users. It offers higher limits compared to the mobile app. Fund transfers and payments, including QR payments, have a per-transaction and daily limit of NPR 1,000,000 and NPR 2,000,000, respectively. The monthly limit for both is NPR 5,000,000.
Wallet loading limits remain the same as on the mobile app. Users can load NPR 25,000 per transaction, NPR 100,000 daily, and NPR 500,000 monthly.
This platform is suitable for people who need to make larger transactions or manage business accounts.
Debit Card Limits In Nepal And India
Kumari Bank’s debit cards have specific limits depending on where you use them. In Nepal, cash withdrawals allow NPR 25,000 per transaction, with a daily limit of NPR 100,000 and a monthly cap of NPR 400,000.
For purchases, the limits are higher — NPR 300,000 per transaction, NPR 500,000 daily, and NPR 1,000,000 monthly.
In India, limits are different. Cash withdrawals have a per-transaction limit of INR 15,000, and daily and monthly limits of INR 15,000 and INR 100,000, respectively. Purchase transactions have a per-transaction and daily cap of INR 100,000, with the same monthly limit.
Credit Card Transaction Limits
Credit cards have flexible limits based on your approved credit limit. For purchases in Nepal, daily transactions cannot exceed NPR 500,000, and the monthly limit is NPR 1,000,000.
Cash withdrawals on credit cards are limited to 10% of the total credit limit. This rule helps control cash advances and reduce financial risk.
In India, credit card purchase and cash withdrawal limits are set at INR 100,000 daily and monthly.
USD Card Transaction Limits
For customers using USD travel or debit cards, the limits are set in USD.
Cash withdrawals on USD debit and travel cards allow up to USD 1,000 per transaction, USD 2,500 daily, and USD 5,000 monthly.
Purchase transactions have limits of USD 2,500 per transaction and daily, with a monthly cap of USD 5,000 for travel cards, and up to USD 15,000 monthly for debit cards.
Credit card cash withdrawals follow 10% of the credit limit, while purchases have set limits depending on the card type.
Why Transaction Limits Matter?
Transaction limits are important for your financial security. They reduce the risk of fraud and protect your account from unauthorized large transactions. They also help the bank comply with regulatory requirements.
By knowing your limits, you can plan your payments and transfers better. This planning reduces the chances of transaction failures.
How To Avoid Transaction Failures?
Many customers face failed transactions because they exceed their limits unknowingly. To avoid this:
Always check your transaction limits before sending money or paying bills.
Plan big transactions by splitting them into smaller amounts within your limits.
Keep track of your daily and monthly transactions.
Use the bank’s customer service if you need help or have questions about your limits.
Maximize Your Digital Banking Experience
Kumari Smart and Omni Web Banking are designed to make banking easy and accessible. By understanding and respecting transaction limits, you can make the most of these digital platforms.
Both mobile and web banking services provide convenience, speed, and security. They support fund transfers, bill payments, mobile top-ups, and more.
Regularly reviewing your limits and transaction history helps you manage your finances better and avoid disruptions.
Final Thoughts: Be Limit-Smart With Kumari Bank
Knowing your transaction limits is a smart way to ensure smooth banking. Whether you use Kumari Smart Mobile Banking, Omni Web Banking, or debit and credit cards, limits keep your money safe.
Always check your limits, plan your transactions, and avoid surprises. Being limit-smart protects your funds and makes digital banking hassle-free.
Save this information for quick reference. By staying informed, you enjoy seamless and secure banking every day with Kumari Bank.
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