1. Before you start
Khalti (by IME Group) is one of Nepal’s two dominant regulated wallets, used for bill payments, mobile top-up, QR payments, movie and travel tickets, wallet transfers and bank withdrawals. The account is tied to your mobile number and identity documents, so ten minutes of preparation saves days of KYC delay.
Your preparation
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Only checklist ticks are saved on this device. Tools Pasal never asks for or stores your Khalti ID, mobile number, OTP, PIN, password, bank details or KYC documents — enter those only in the official Khalti app or website.
2. Click the section you need
Steps from Khalti's official How-To page, reviewed 4 July 2026: name, mobile, email, password → SMS code → verify.
Use your own Nepal-registered number — it becomes your Khalti ID and receives every OTP.
The official FAQ says signup is not possible without a Nepali cell number.Use an email you can access and a password you don't reuse elsewhere.
Enter the code sent to your number to activate the account.
3. Verified vs unverified Khalti account
Rs 5,000 ceiling
Per the NRB rule quoted on Khalti’s official pages, non-KYC users cannot transact more than Rs 5,000 a day and a month — enough to try the app, not to use it.
Full wallet
Merchant payments and bank transfers up to Rs 2 lakh per transaction, wallet transfers, and every service unlocked — verification is free and usually fast.
4. Current Khalti limits
From Khalti’s official transaction-limits page, last updated by Khalti on 2081/11/23 (March 7, 2025) and reviewed for this guide on 2026-07-04:
| Limit type | Officially listed amount |
|---|---|
| Wallet balance held overnight | Rs. 50,000 maximum |
| Unverified (no KYC) transactions | Rs. 5,000 per day AND per month |
| Merchant payments — verified | Rs. 2 lakh/txn · Rs. 2 lakh/day · Rs. 10 lakh/month |
| Bank ↔ wallet (load & withdraw) | Rs. 2 lakh/txn · Rs. 2 lakh/day · Rs. 10 lakh/month |
| Wallet → wallet | Rs. 50,000/txn · Rs. 50,000/day · Rs. 5 lakh/month |
| Card load (Visa/Mastercard) | Rs. 1 lakh/txn · Rs. 2 lakh/day · Rs. 10 lakh/month |
| Minimum for any transfer/payment | Rs. 10 (escrow Rs. 100) |
5. Common mistakes and scams to avoid
- Registering on someone else's SIM — the wallet is tied to that number forever.
- Typing family names or ID details differently from your citizenship — the top KYC rejection cause after blurry photos.
- Sharing OTP, PIN or password with anyone, including people claiming to be Khalti support.
- Sending wallet-to-wallet without checking the receiver's name first.
- Keeping more than Rs 50,000 in the wallet overnight — the NRB ceiling applies to every wallet.
- Installing Khalti from links shared in chat groups instead of the official app stores.
6. Frequently asked questions
What documents does Khalti KYC accept?
The official KYC page accepts any one of: citizenship certificate, driving licence or passport — uploaded front and back — plus a recent passport-size photo. The form also asks family information (father, mother, grandfather, spouse if married), personal details, permanent address and the document's number, issued place and date.
How long does Khalti KYC verification take?
Khalti's official pages say from about 5 minutes up to 1–2 days. You receive an SMS on your registered number once verified.
What can an unverified Khalti account do?
Very little — per NRB rules quoted on Khalti's pages, non-KYC users cannot transact more than Rs 5,000 per day and per month, and the wallet balance cap is far lower. Verification unlocks the full limits.
What are Khalti's current transaction limits?
Per the official limits page (updated 2081/11/23): merchant payments and bank↔wallet transfers up to Rs 2 lakh per transaction and day (Rs 10 lakh/month), wallet-to-wallet Rs 50,000 per transaction and day (Rs 5 lakh/month), card loads Rs 1 lakh per transaction, and a maximum of Rs 50,000 held in the wallet overnight.
Does Khalti charge fees?
Khalti's official FAQ states it doesn't charge customers any fee for transactions done on its own app or website. Some routes can still carry third-party charges (e.g. bank-side fees), which appear on the confirmation screen — check before confirming large transfers.
Can I open Khalti from outside Nepal?
No — the official FAQ says signup requires a cell phone number registered in Nepal. Set the account up with your Nepali SIM before travelling, or have KYC done while you can still receive SMS on that number.