Transfer Smart

Route your money through the cheapest rails. Three named strategies from your portfolio — plus live route comparison and the exact timing rules for credit card arbitrage.

Open cyclePubali Gold Cycle

Nothing is due. Charges made today land on the 17th statement and get 26 interest-free days.

Put day-to-day spending on the card — it is the longest interest-free window you will get all cycle.

Statement closes

days

18th → 1st Arbitrage Loop

PI App Fee

−৳57.5

44d Interest

+৳96.44

Net Profit

+৳38.94

On ৳10,000 moved via Pubali PI App at 8% BRAC savings rateFull CC Hub →

Amount (৳)For fee and profit calculationsBRAC savings rate (%)For cash-held value

Rocket Rail0.9%

Cheapest cash extraction in Bangladesh

fee

৳90

BRAC BankDBBL AccountRocket WalletDBBL ATM

Save ৳9.50 per ৳1,000 vs bKash agent (50% savings)

Bill Pay ShieldFree

Never pay credit card bills from MFS

BRAC Astha AppNPSB TransferPubali Credit Card

Free via NPSB vs ৳34.50 flat (৳30 + VAT) per bill through bKash/Nagad

Free MFS LoadFree

Fund bKash/Nagad at zero cost

BRAC Platinum DebitbKash Add MoneyMerchant

vs 1.15% if using Pubali Credit Card directly

Emergency PI0.575%

Cheapest credit extraction (Pubali PI App)

net profit

+৳38.94

Pubali Credit CardPI App → Pubali AccountBRAC Bank (free NPSB)

50% cheaper than a direct bKash Add Money (1.15%) on statement day

Double DipFree

Get bKash cashback while keeping money in savings

BRAC Astha savings (earning 8%)BRAC Debit Add Money to bKashPay merchant

Earn MFS cashback AND daily bank interest simultaneously