Payment first, then the rest of the setup
Many people open an account first and then look at the payment; doing the opposite saves time, because in Bangladesh bKash, Nagad, and Rocket are more useful; this tekkabuzz Tips shows which wallet notifications come quickly and where to keep the reference number correct
Many Dhaka users finish transactions before 10 a.m.; when the network is slow, it's better to verify with small amounts, especially on old Android phones
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