Agent Banking

Agent Banking is one of the strong tools of Financial Inclusion. It is the way of providing Banking and Financial service to the unbanked population through engaging Agents under a valid Agency agreement. The Agent is the owner of an outlet who conducts Banking transaction on behalf of a Bank.

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Agent Banking

Agent Banking is one of the strong tools of Financial Inclusion. It is the way of providing Banking and Financial service to the unbanked population through engaging Agents under a valid Agency agreement. The Agent is the owner of an outlet who conducts Banking transaction on behalf of a Bank.

AB Bank Agent Banking

AB Bank in its effort to reach the unbanked people of the country started Agent Banking Operations from January 17, 2018. The customers of Agent Banking points /outlets will be able to carry out the basic banking services at these outlets. With the growth of Agent Banking, more and more population will be coming under banking net which will help them to become more responsible citizen.

Service of AB Agent Banking

Under Agent Banking, the Bank has the scope to provide the following services:

Account Opening Cash deposit/ Cash Withdrawal Inward Remittance Services Receive Clearing Cheque(s) Loan processing/ Loan recovery Utility Bill Collection Payroll Banking/ School Banking
Present Agent Outlets
SL No. Division District Previous Present Address Opening Date Outlet picture
1. Dhaka Dhaka Mridha Trader’s Mridha Trader’s Molla Market, Kartikpur Bazar, 3Dohar, Dhaka March 11, 2018 Click to see
2. Dhaka Gazipur H.R. Trade International H.R. Trade International Kendriyo Jame Masjid Road, Holding no. 410, Konabari, Gazipur March 12, 2018 Click to see
3. Chittagong Chittagong ATM Enterprise ATM Enterprise Time Bazar, Shilkup, Banshkhali, Chittagong May 15, 2018 Click to see
4. Sylhet Habiganj M/s Bhai Bhai Traders M/s Bhai Bhai Traders Montola Bazar, Madhabpur, Habigang June 4, 2018 Click to see
5. Dhaka Nawabganj Farid Iron & Steel Industries Farid Iron & Steel Industries Goshail Bazar, Kuthuri, Nawabganj Aug 6, 2018 Click to see
6. Chittagong B.Baria M/s. Purbachal Traders M/s. Purbachal Traders Amtoli Bazar, B. Baria August 27, 2018 Click to see
7. Chittagong Potenga M/S N.H Enterprise M/S N.H Enterprise Kathghor, Potenga, Chittagong August 29, 2018 Click to see
8. Chittagong Cox’s Bazar M/s L R Traders M/s L R Traders Ukhyia, Cox’s Bazar August 30, 2018 Click to see
9. Dhaka Kishoreganj Zahir Enterprise Zahir Enterprise Kuliarchar Bazar, Kuliarchar, Kishoreganj September 17, 2018 Click to see
10. Dhaka Dhaka Labony Decorator Labony Decorator Sadapur Bazar, Nawabganj, Dhaka September 24, 2018 Click to see
11. Chittagong B.Baria M/S Khan Construction M/S Khan Construction Islampur Bazar, Bijoynagar, B. Baria September 27, 2018 Click to see
12. Dhaka Dhaka Parmisha Traders Parmisha Traders Plot-33, lane-01, Block-B, Sec-06, Proshika Mour, Mirpur-1216. October 25, 2018 Click to see
13. Dhaka Tangail Louhajang Construction Louhajang Construction Chatihati Bazar, Kalihati, Tangail October 30, 2018 Click to see
14. Chittagong Feni M/S Arafat Enterprise M/S Arafat Enterprise Godam Quarter Road, Rale Gate, Feni November 19, 2018 Click to see
15. Rajshahi Sirajgonj Shotorupa Enterprise Shotorupa Enterprise Pouro Super Market, Kazipur, Sirajgonj December 5, 2018 Click to see
16. Dhaka Dhaka Faith Point Faith Point Raj Narayan Road, Lalbagh, Dhaka December 9, 2018 Click to see
17. Dhaka Manikgonj Oyon Thai Aluminium & Glass House Oyon Thai Aluminium & Glass House Uttar Jamsha, Noyapara, Singair, Manikgonj December 11, 2018 Click to see
18. Dhaka Tangail M/s. Tangail Traders M/s. Tangail Traders Adabari Bazar, Mirzapur, Tangail December 13, 2018 Click to see
19. Barisal Barisal Nishat Commercial Center Nishat Commercial Center Chakhar Bazar, Banaripara, Barisal December 20, 2018 Click to see
20. Chittagong Chittagong Akota Traders Akota Traders Shohor Molok Road, Bolir Hat, Khaza Road, Chittagong December 24, 2018 Click to see
21. Khulna Jessore Auronno Impex Auronno Impex Gorpara Bazar, Sharsha, Jessore December 27, 2018 Click to see
22. Chittagong Chittagong Shahi Shipping & Trading Shahi Shipping & Trading Uttar Sonaichari, Kumira, Sitkunda, Chittagong January 01 2019 Click to see
23. Khulna Kushtia Lalu Traders Lalu Traders Kamalpur, Daulatpur, Kushtia February 27 2019 Click to see
24. Sylhet Sunamganj Jewel Digital Studio & Telecom Jewel Digital Studio & Telecom Shyamol Bazar, Doara Bazar, Sunamganj March 04 2019 Click to see
25. Sylhet Sunamganj M/S Alhaz Ibrahim Ali & Sons M/S Alhaz Ibrahim Ali & Sons Dohalibazar, Doarabazar, Sunamganj March 12 2019 Click to see
26. Sylhet Moulvibazar Srot Enterprise Srot Enterprise Jewel Plaza, Court Road, Rajnagar Bazar, Moulvibazar March 13 2019 Click to see
27. Khulna Jessore Friends Enterprise Friends Enterprise Shaheed Moshiur Rahman Sarak, Biman Office Mor, Jessore March 21 2019 Click to see
28. Khulna Jessore Bondhumohol Sarbik Gram Unnayan Somobay Samity Bondhumohol Sarbik Gram Unnayan Somobay Samity Dhakuria, Dhakuria Bazar, Monirampur, Jessore March 21 2019 Click to see
29. Dhaka Dhaka Zara & Zaif Dairy Farm Zara & Zaif Dairy Farm Paris Road Mor, Pollobi, Mirpur, Dhaka April 24 2019 Click to see
30. Chittagong Comilla Rudra Enterprise Rudra Enterprise Nandanpur, Halima Nagar, Comilla April 25 2019 Click to see
31. Dhaka Dhaka Super Speed Shipping Lines Super Speed Shipping Lines Megula Bazar, Dohar, Dhaka April 30 2019 Click to see
32. Khulna Kushtia Afia Medical House Afia Medical House Harinarayan Bazar Hall Mor, Islamic University, Kushtia May 06 2019 Click to see
33. Chittagong Cox’s bazar M/S Shane Garangia Enterprise M/S Shane Garangia Enterprise CNG Station, Matarbari, Maheshkhali, Cox’s Bazar June 27 2019 Click to see
34. Dhaka Mymensingh M/s. Ma Traders M/s. Ma Traders Tarundia Bazar, Ishwarganj, Mymensingh July 02 2019 Click to see
35. Rajshahi Pabna Prochesta Enterprise Prochesta Enterprise Dogachi Bazar, Pabna July 04 2019 Click to see
36. Dhaka Gazipur M/S Shankar Mistanna Vander M/S Shankar Mistanna Vander Sreepur Bazar, Sreepur, Gazipur July 08, 2019 Click to see
37. Khulna Jhenaidaha ICC Communication ICC Communication Vatoi Bazar, Shoilkupa, Jhinaidah July 10, 2019 Click to see
38. Dhaka Nawabganj Swapno Traders Swapno Traders Daudpur Bazar, Daudpur, Nawabganj, Dhaka July 14, 2019 Click to see
39. Dhaka Nawabganj A. M Corpotion A. M Corpotion Masud Tower, Shikaripara Bazar, Nawabganj, Dhaka July 18, 2019 Click to see
40. Dhaka Rajbari A.K Enterprise A.K Enterprise Sonapur Bazar, Baliakandi, Rajbari July 29, 2019 Click to see
41. Khulna Jessore Ayan Trading Ayan Trading Bakra Bazar, Jhikargacha, Jessore Aug 01, 2019 Click to see
42. Khulna Kushtia Erfan Pharmacy Erfan Pharmacy Kamalapur Bazar, Kushtia Aug 05, 2019 Click to see
43. Khulna Jessore Vai Bon Garments & Bastralay Vai Bon Garments & Bastralay Rajganj Bazar, Monirampur, Jessore Aug 22, 2019 Click to see
44. Rajshahi Chapai Nawabganj Aspirant Development Ltd. Aspirant Development Ltd. Shibganj Bazar, Chapai Nawabganj Sep 09, 2019 Click to see
45. Sylhet Habiganj Jony Enterprise Jony Enterprise Debpara Bazar, Nabiganj, Habiganj Sep 19, 2019 Click to see
46. Rajshahi Chapai Nawabganj Tamanna Enterprise Tamanna Enterprise Kalinagar English Mor, Chapai Nawabganj September 25, 2019 Click to see
47. Dhaka Dhaka Shamlapur Ideal Academy Shamlapur Ideal Academy Shymlapur, Savar, Dhaka September 29, 2019 Click to see
48. Khulna Satkhira Sarker Traders Sarker Traders Paruliya Bus Stand, Debhata, Satkhira October 02, 2019 Click to see
49. Khulna Satkhira M/s Allahar Dan Poultry M/s Allahar Dan Poultry Vhaluka Chandpur, Satkhira October 02, 2019 Click to see
50. Chittagong Chowmuhani Genuine Auto Genuine Auto Maizdi Court, Sadar, Noakhali November 18, 2019 Click to see
51. Rajshahi Rajshahi Lopa Enterprise Lopa Enterprise Zalmolia Bazar, Puthia, Rajshahi November 20, 2019 Click to see
52. Khulna Kushtia MM Enterprise MM Enterprise Hospital Road, Bheramara, Kushtia November 27, 2019 Click to see
53. Khulna Kushtia S B S Enterprise S B S Enterprise Baliashisha, Chithalia, Mirpur, Kushtia November 27, 2019 Click to see
54. Khulna Kushtia Maisha Mahi Enterprise Maisha Mahi Enterprise Hotosh Haripur, Sadar, Kushtia November 28, 2019 Click to see
55. Rangpur Saidpur Araf Travels & Tours Araf Travels & Tours Choumuhani Bazar, Saidpur, Nilphamari December 5, 2019 Click to see
56. Rajshahi Rajshahi NAYAN MONI ENTERPRISE NAYAN MONI ENTERPRISE Noudapara Bazar, Sadar, Rajshahi December 9, 2019 Click to see
57. Dhaka Bandura Mim Traders Mim Traders Alalpur Bazar, Nawabganj, Dhaka December 10, 2019 Click to see
58. Dhaka Faridpur Ocean Agro Ocean Agro Char Haziganj, Charvadrasan, Faridpur December 12, 2019 Click to see
59. Dhaka Faridpur Tasmim Air International Tasmim Air International Tambulkhana, Sadar, Faridpur December 12, 2019 Click to see
60. Chittagong Cumilla Shamim Trade Shamim Trade 1521, S.K Saha Tower, Chouddogram Road, Bypasss, Laksham, Cumilla January 8, 2020 Click to see
61. Dhaka Dhaka Euro Ashiano Restura Euro Ashiano Restura Nawabganj Bazar, Nawabganj, Dhaka January 20, 2020 Click to see
62. Chittagong Cox’s Bazar Abedin Electronics & Motors Abedin Electronics & Motors Ismail Center, Nhilla Bazar, Teknaf, Cox’s Bazar February 19, 2020 Click to see
63. Sylhet Sunamganj Mahin Enterprise Mahin Enterprise Bogla Bazar, Doara Bazar, Sunamganj February 24, 2020 Click to see
64. Rajshahi Chapai Nawabganj M/s. Tama Enterprise M/s. Tama Enterprise Field-er-Hat, Moharajpur, Chapai Nawabganj February 27, 2020 Click to see
65. Dhaka Tangail M/S Rony Trading Company (Shokhipur) M/S Rony Trading Company (Shokhipur) Ward-05, Girls School Road, Shokhipur, Sadar, Tangail September 7, 2020 Click to see
66. Rajshahi Pabna Purbasha Trading Purbasha Trading Boroichara, Joynagar, Ishwardi, Pabna September 10, 2020 Click to see
Closed Agent Outlets
SL No. Division District Previous Present Address Opening Date Outlet picture
1. Dhaka Dhaka M/s. Shikder Enterprise M/s. Shikder Enterprise Megula Bazar, Dohar, Dhaka December 24, 2017 Click to see
2. Dhaka Faridpur M/s Rafsan Telecom M/s Rafsan Telecom Vai Vai Super Market, Chor Vodrashon Road, Gozariya Bazar, Faridpur Aug 6, 2018 Click to see
Agent Banking Schedule of Charges
Agent Banking FAQ

Question related to become owner of ABBL Agent outlet:

Who can be an Agent?

A juristic person, business entity or organization as per clause 12 of “prudential Guidelines for Agent Banking Operation in Bangladesh dated September 18, 2017”

What are the Eligibilities of an Agent?

    • Individual person:
  • Should be permanent Resident of Bangladesh.
  • Having trade license
  • Minimum one year business experience
  • Good reputation in the locality with the ability of cash management.
  • Should have basic computer knowledge
  • Should be financially solvent
  • Should have basic Education
  • Should have marketing capabilities
    • Business entity or organization:
  • Having trade license from eligible authorities for any lawful business activity.
  • Should have multiple branch offices
  • Owner or manager of the entity or juristic person should be financially sound and solvent shall have at least one-year business experience
  • Willing to carryout business activity on ongoing basis
  • It shall possess managerial, financial and technical expertise for managing agent banking outlets
  • Have willingness and capacity to invest in managing liquidity, risk management, security management & continuous capacity development of agent banking outlets of the bank

What are the Non eligibilities to be an Agent?

  • Bank related persons as defined in section 26M of the Bank-Company Act, 1991.
    Bank officials will not be eligible to become an agent in the same bank within 1
    (one) year of his/her retirement or resignation.
  • Defaulters with any bank or financial institution.
  • Bankrupts.
  • Convicted by a court of law, up to 3 (three) years after completion of sentences or penalties.
  • Under investigation for any criminal charges.
  • Under investigation or convicted of money laundering or terrorist financing activities.
  • Under investigation of the Anti-Corruption Commission.

What are documents to be affixed with the application form to become an Agent of AB Bank.

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?????????? ???? ???? ?(???) ??? ???????? ????? ???
????? ?????????/?????????? (?-? ???????) ??????/??????? ?????? ????? ??????? ????????? ???
????? ?????????? ????????
2 (two) reference letter from local respectable persons acceptable to the bank.
personal Net Worth
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???????? ????? ?????????? ???????? ??? (???????? ???)
Bank Solvency Certificate from existing Bank
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Membership Certificate from the local chamber/Banik Samitee (if any)
CIB Report
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photocopy of Utility bill (if applicable)
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photocopy of TIN (if applicable))
photocopy of VAT Registration certificate ((if applicable))
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?????????? ?????? ???????? ??????????? ??? ???????? (?/?)
Business Forecast
??????????? ?? ??????? ????????? ???????? ??????????? ?????????? ???? ?? ??????????? ?? ?????????? ???????? ??? (???????? ???)
Information about proposed Agent outlet (Bazar Survey)

Do the Agent needs to deposit security money with the Bank?

No requirement. However, as the Agent Banking is based on prepaid module, as such, the Agent needs to keep some amount in his account and in his hand to carry out the business. The account balance should be Tk.2.00 lac on an average.

Is there any agreement between Agent & Bank?

An Agent will be appointed through valid agreement conducted between Bank and the Agent incorporating Bangladesh Bank guideline.

Does the Agent require approval from Bangladesh Bank or Concerned Bank to run the Agent outlet?

To run the Agent outlet the concerned Bank will provide approval letter signed by its Managing Director of the Bank. However, Agent will not require any additional approval from Bangladesh bank.

How many manpower require to run the Agent outlet and who will bear the cost?

Agent will require at least 2 persons to run the agent outlet and the cost will be borne the agent.

Who will bear the cost to run the Agent outlet?

The Agent owner will bear the cost to run the Agent outlet.

How much floor space require to open an Agent outlet, who will provide the lay out plan and bear the cost of establishment?

At least 300 sft. area is required to open an Agent outlet. Bank will provide the layout plan and the cost to be bear by the Agent.

Will there any Bank representative in the Agent outlet?

Yes, bank will provide one representative of the bank at its own cost.

Is there any Training facilities for Agent?

Bank will train to develop the knowledge of the Agent in the following areas:
Concept of Agent Banking

  • Rules and regulations of Banks and other Regulatory Authority
  • Agent Banking products and services
  • IT infrastructure and Electronic device
  • Software
  • Marketing and Communication Skill; and
  • Related issues

Can agent conduct any other business transaction other than the Banking transactions from Agent outlet?

Agent cannot conduct any other business transaction other than the Banking transactions from Agent outlet.

What is the transactions Hour of Agent banking outlet?

Agent will conduct the business according to regular business hours (i.e. 10 AM to 6.00 pM). However, the bank may extend or reduce the transaction hour and day according to the need of the Agent outlets in case to case basis.

What is the Transaction Limit at Agent outlet?

Amount in Lac
Daily Number of Transactions and Amount Limit
Nature of Accounts Cash Deposit Cash Withdrawal Transfer/BEFTN/Inter-bank/Intra-bank
No. of transactions Total Volume No. of transactions Total Volume No. of transactions Total Volume
Current Account 4 6 2 5 4 15
Savings Account 2 4 2 3 2 5
SND 4 6 2 3 4 10

Can Transactions beyond the established limits may also be carried?

Transactions beyond the established limits may also be carried but this shall require at least 1 (one) working day prior notice to the bank through the agent.

Question from the aspect of Customers of Agent outlet:

What is the Scope of Agent Banking?

    • Account Opening
    • FDR & Scheme Deposit opening
    • Cash deposit and withdrawal
    • Transfer of funds
    • Balance enquiry
    • Generation and issuance of mini bank statements
    • Inward foreign remittance disbursement
    • Collections of bills/utility bills
    • Collection of insurance premium
    • Disbursement and repayment of loans
    • payroll Management
    • Collection of documents in relation to accounts
    • Collect account opening forms, loan application forms, credit and debit card applications
    • Monitoring and recovery of loans and advances sanctioned by the bank
    • payment of retirement and social benefits and

Any other activity as Bangladesh Bank may prescribe from time to time.

What are the documents required to open accounts from Agent outlets?

Regular set of documents will be used to open accounts from Agent outlets.

Is it safe open an account and conduct transaction through Agent outlet?

Opening account and conduct transaction from ABBL Agent outlets is absolutely safe and secured. To ensure security bank has undertaken biometric authentication along with regular banking practice. To ensure security of the transaction at Agent outlet the customers will receive confirmation SMS and an auto generated receipt after every transaction conducted at Agent outlet.

Can deposits or withdrawal be made just after opening an account?

Deposits can be made just after opening an account. However, withdrawal can be made after authorization of the account by the competent authority of the Bank. Generally it takes 5 to 7 working days to approve an account. Once the account is approved the customer will receive a confirmation SMS in his registered mobile.

Deposit products from ABBL Agent outlets:

Customer can open all the deposit products of the bank from Agent outlets like:

– All kinds of Savings account
– MSDS (DpS) account
– FDR account
– Current account
– SND account etc.

Do the Agent banking customer will be able to avail all regular Banking services?

Agent Banking Customers are regular customer of the Bank, as such, will be able to avail all regular services from both Agent outlet and Bank Branch. Client will have to visit Bank Branch to collect their Debit card, Cheque book, conduct foreign exchange transaction and some other complicated issues.

Do the transactions will be executed on real time basis?

All the transactions real time transaction.

Can a customer of agent outlet request for Cheque book?

Yes, cheque book can be issued as per Agent customer’s request.

Can a customer of agent outlet request for Debit Card?

Yes, debit card can be issued as per Agent customer’s request.

Is there any Loan facilities for agent outlet customers?

Clients at Agent outlet can apply for loan.

Is there any AML/CFT policies for Agent outlet?

Bank and its Agent shall comply with prevailing Anti-Money Laundering (AML)/Combating financing of terrorism (CFT) related laws, regulations and guidelines issued by Bangladesh Bank from time to time.

For Contact
  • Agent Banking

    AB Bank Limited

    Corporate Office

    BCIC Bhaban (7 th Floor)

    30-31, Dilkusha C/A

    Dhaka-1000, Bangladesh

    Phone: +9560312, Ext- 417,418,419

    Mobile: +88 01715909022, +88 01713160625


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