ConnectIPS has become one of the most useful digital payment platforms in Nepal. Whether you need to send money from one bank account to another, pay government revenue, make an online payment, or pay for different services, ConnectIPS allows you to complete many transactions directly from your bank account.
However, one question many users still ask is: How much does ConnectIPS charge for a transaction?
The good news is that ConnectIPS transaction charges are generally very low. Some transactions are free, while the fee for other transactions depends on the amount being transferred. The maximum charge for a standard fund transfer is currently only Rs. 8, based on the applicable transaction amount slab.
This article explains the latest Connect IPS transaction charges in Nepal, including transfer fees, transaction limits, payment costs, and important things users should know before making a payment.
What Is ConnectIPS?
ConnectIPS is a digital payment platform developed and operated by Nepal Clearing House Limited (NCHL). It allows customers to link one or more bank accounts and make payments directly from those accounts.
The platform supports services such as:
- Bank-to-bank fund transfers
- Online shopping payments
- Government payments
- Utility and service payments
- Insurance premium payments
- Share-related payments
- Educational payments
- Other merchant and biller payments
Users can access ConnectIPS through its web portal, mobile application, participating banks’ mobile banking applications, and other supported payment channels.
Unlike a digital wallet, ConnectIPS generally processes payments directly through the bank account linked to the user’s profile. This means users do not necessarily need to load money into a separate wallet before making a payment.
Connect IPS Transaction Charges in Nepal 2026
The transaction fee for ConnectIPS fund transfers is based on the amount of money being transferred.
The current fee structure is shown below:
| Transaction Amount | ConnectIPS Transaction Charge |
|---|---|
| Up to Rs. 500 | Rs. 0 |
| Above Rs. 500 to Rs. 5,000 | Rs. 2 |
| Above Rs. 5,000 to Rs. 50,000 | Rs. 4 |
| Above Rs. 50,000 to Rs. 20,00,000 | Rs. 8 |
The applicable fee is normally charged to the person initiating or sending the transaction. The charge may vary depending on the payment type and the channel used. Official ConnectIPS information states that fund-transfer charges range from Rs. 0 to Rs. 8, depending on the transaction amount.
Simple Examples
Suppose you send money through ConnectIPS:
- If you transfer Rs. 500, the transaction charge is generally free.
- If you transfer Rs. 2,000, the applicable charge is Rs. 2.
- If you transfer Rs. 20,000, the applicable charge is Rs. 4.
- If you transfer Rs. 1,00,000, the applicable charge is Rs. 8.
For example, if you send Rs. 20,000 and the applicable transaction fee is Rs. 4, a total of Rs. 20,004 may be deducted from your bank account.
The exact fee should be displayed or confirmed during the payment process. It is always a good idea to check the transaction summary before entering your PIN or confirming the payment.
Is ConnectIPS Free?
ConnectIPS is not completely free for every type of transaction. However, many payments can be made without a charge.
Most service or biller payments are free for customers. Some specific billers or payment services may apply a transaction charge, depending on the payment type and the amount.
Therefore, the answer depends on the type of transaction:
| Type of Transaction | Possible Charge |
|---|---|
| Fund transfer up to Rs. 500 | Generally free |
| Higher-value fund transfer | Rs. 2 to Rs. 8, depending on the amount |
| Many utility and service payments | Usually free |
| Some biller payments | Charges may apply |
| Government revenue payments | Separate applicable charges may apply |
Before completing a transaction, users should check the fee shown on the payment confirmation page.
ConnectIPS Fund Transfer Charges Explained
ConnectIPS fund transfer charges are based on transaction slabs. This means the fee is not calculated as a percentage of the amount.
For example, if you send Rs. 1,00,000, you are not charged a percentage such as 1% or 2%. Instead, the transaction falls under the relevant fee slab, and the applicable fixed charge is added.
This makes ConnectIPS affordable for both small and large bank transfers.
The highest standard charge in the published fee structure is only Rs. 8 for eligible transfers above Rs. 50,000 and up to the supported transaction limit.
ConnectIPS Transaction Limits in 2026
ConnectIPS provides different transaction limits for its web and mobile channels.
The current published transaction limits are:
| Transaction Limit | ConnectIPS Web/Online Channel | ConnectIPS Mobile Channel |
|---|---|---|
| Maximum amount per transaction | Rs. 20,00,000 | Rs. 2,00,000 |
| Maximum number of transactions per day | 100 | 100 |
| Maximum transaction amount per day | Rs. 20,00,000 | Rs. 2,00,000 |
These limits are generally applied per user and per linked bank account. However, individual banks and financial institutions may apply lower limits based on their own internal policies. The limits may also change according to Nepal Rastra Bank regulations or future policy updates.
ConnectIPS Web Transaction Limit
The ConnectIPS web portal provides a higher transaction limit than the mobile application.
According to the published limit:
- Maximum amount per transaction: Rs. 20 lakh
- Maximum total transaction amount per day: Rs. 20 lakh
- Maximum number of transactions per day: 100
The web channel may be more suitable for users who need to make higher-value bank transfers.
However, users should remember that their bank may have a different or lower limit. The maximum limit published by ConnectIPS does not automatically mean that every bank account will be allowed to transfer the full amount.
ConnectIPS Mobile App Transaction Limit
The ConnectIPS mobile application has a lower published transaction limit than the web portal.
The current published limit is:
- Maximum amount per transaction: Rs. 2 lakh
- Maximum total transaction amount per day: Rs. 2 lakh
- Maximum number of transactions per day: 100
The mobile application is useful for everyday payments, smaller fund transfers, and quick transactions.
Why Is the ConnectIPS Web Limit Higher Than the Mobile Limit?
The ConnectIPS web portal and mobile application have different transaction limits because they are separate payment channels with different operational and security controls.
The web channel supports a higher maximum transaction amount, while the mobile application is generally designed for convenient everyday banking and payment activities.
However, the actual amount you can transfer may also depend on:
- Your bank’s internal transaction policy
- The verification status of your ConnectIPS account
- The transaction limit set by your bank
- Applicable Nepal Rastra Bank regulations
- The payment channel you are using
Therefore, users should not assume that the maximum published ConnectIPS limit will always be available for every bank account.
Do Banks Charge Additional Fees for ConnectIPS?
In most cases, the applicable ConnectIPS transaction charge is the main fee shown during the payment process.
However, banks and financial institutions may have their own policies regarding digital banking services. Some banks may apply different transaction limits or service-related conditions through their mobile or internet banking applications.
If you are making a transfer through your bank’s mobile banking app using the ConnectIPS payment network, the experience and available limit may differ from using the ConnectIPS application or website directly.
For the most accurate information, check:
- The transaction summary before confirming payment
- Your bank’s mobile banking fee schedule
- The official ConnectIPS fees and charges information
Are ConnectIPS Biller Payments Free?
Many biller and service payments through ConnectIPS are free for customers. These may include selected utility payments, service payments, and merchant payments.
However, not every payment is guaranteed to be free. Some billers may apply a small transaction charge based on the service and payment amount.
The applicable charge may depend on:
- The service provider
- The type of payment
- The amount being paid
- The payment channel
- The fee policy of the biller
The payment screen should normally show the total amount and any applicable fee before final confirmation.
ConnectIPS Charges for Government Payments
ConnectIPS supports various government-related payments. Depending on the service, the fee may be different from the standard fund-transfer fee.
For example, official ConnectIPS information has stated that some Inland Revenue payments are cross-subsidized with charges ranging from Rs. 2 to Rs. 5.
Government payment charges may depend on the specific department, payment category, and amount. Therefore, users should check the payment details before completing the transaction.
How to Check the ConnectIPS Transaction Fee
You can usually check the applicable fee before completing your transaction.
Follow these general steps:
- Open the ConnectIPS website or mobile application.
- Log in to your account.
- Select Fund Transfer or the required payment service.
- Enter the recipient or beneficiary details.
- Enter the transaction amount.
- Continue to the payment confirmation page.
- Review the transaction amount and any applicable charge.
- Confirm the payment only after checking the details.
The final transaction screen is important because it shows the amount you are sending and the amount that may be deducted from your account.
Why Is ConnectIPS Popular in Nepal?
ConnectIPS is widely used because it provides a convenient way to make bank-based digital payments without visiting a bank branch.
Some of its main benefits include:
Low Transaction Charges
The maximum standard fund-transfer fee is relatively low. Small transfers can also be free.
Direct Bank Account Payments
Users can make payments directly from linked bank accounts without loading money into a separate wallet.
Support for Multiple Services
ConnectIPS can be used for fund transfers, online payments, government payments, bill payments, and other supported services.
Higher Web Transaction Limit
The web channel supports a maximum transaction amount of up to Rs. 20 lakh under the published limit.
Available Through Different Channels
Users can access the service through the ConnectIPS website, mobile app, and supported banking channels.
Convenient Digital Payments
The platform reduces the need to visit a bank branch for many common payment activities.
Important Things to Know Before Using ConnectIPS
Before making a transaction, keep the following points in mind:
- Check the recipient’s bank account details carefully.
- Review the transaction amount before confirming.
- Check whether a transaction fee is shown.
- Do not share your password, PIN, or OTP with anyone.
- Make sure you are using the official ConnectIPS website or application.
- Your bank may apply a lower transaction limit than the published ConnectIPS limit.
- Transaction limits may change based on bank policy or Nepal Rastra Bank regulations.
- Some biller payments may have different charges.
- Keep the transaction reference number if you need to contact support.
Frequently Asked Questions
How much does ConnectIPS charge per transaction?
ConnectIPS fund-transfer charges generally range from Rs. 0 to Rs. 8, depending on the transaction amount. Transfers up to Rs. 500 are generally free under the published fee structure.
Is ConnectIPS free for bank transfers?
Not all bank transfers are free. Small transfers up to the applicable free limit may have no charge, while higher-value transfers may cost Rs. 2, Rs. 4, or Rs. 8 depending on the transaction slab.
What is the maximum ConnectIPS transaction limit?
The published maximum limit is Rs. 20 lakh through the web channel and Rs. 2 lakh through the mobile channel. The actual limit may be lower depending on the bank’s internal policy.
How many ConnectIPS transactions can I make in one day?
The published limit allows up to 100 transactions per day for both the online and mobile channels.
Is there a daily transaction limit in ConnectIPS?
Yes. The published daily transaction amount is up to Rs. 20 lakh for the web channel and Rs. 2 lakh for the mobile channel. These limits are generally applied per user and per bank account.
Are all ConnectIPS bill payments free?
No. Many biller and service payments are free, but some services may apply a transaction charge. The applicable fee depends on the payment type and biller policy.
Does ConnectIPS charge the sender or receiver?
The applicable transaction fee is generally charged to the payer or the person initiating the transaction. The recipient normally receives the transaction amount.
Can my bank set a lower ConnectIPS limit?
Yes. Banks and financial institutions may apply different transaction limits according to their internal policies. Your available limit may therefore be lower than the maximum limit published by ConnectIPS.
Final Thoughts
ConnectIPS remains one of the most affordable options for bank-based digital payments in Nepal. Its transaction charges are low, and many service payments are available without an additional fee.
For standard fund transfers, the published charge ranges from Rs. 0 to Rs. 8, depending on the transaction amount. The published transaction limit is up to Rs. 20 lakh through the web channel and Rs. 2 lakh through the mobile application, although individual banks may apply different limits.
Before making any payment, always check the transaction summary and confirm the applicable fee. Since transaction charges and limits may change in the future, users should also review the latest information on the official ConnectIPS website.
For official updates, users can visit ConnectIPS and review the latest transaction limits and fee information.
