IME Pay in Nepal (2026): IME Pay Is Now Khalti by IME. What Changed and How to Switch
Updated 29 October 2026. Facts are from Nepal Rastra Bank, Khalti by IME’s own pages and Nepali news, with dates. Rules and fees change, so check the Khalti app before large transfers.
Short answer: IME Pay no longer runs as a separate wallet. It merged with Khalti, and since 17 July 2025 (Shrawan 1, 2082) the combined service has been called Khalti by IME, run by IME Khalti Ltd. IME Pay accounts had to be moved to Khalti by the end of Kartik 2082 (about mid-November 2025). To keep using your old IME Pay account, open the Khalti app and tap Merge with IME. IME remittance can now be received straight into Khalti through Receive Remittance.
What happened to IME Pay?
IME Digital Solution launched IME Pay in 2017. Khalti’s own history page says it reached 5 million users, and in 2023 it joined NEPALPAY QR along with Khalti and PrabhuPay. In February 2025 IME Pay and Khalti signed a merger agreement, Nepal Rastra Bank gave final approval in June 2025, and the joined service started on 17 July 2025 as Khalti by IME.
Both apps were to run side by side during a three-month switch-over so people could move their accounts. Nepal Rastra Bank’s list of licensed payment companies from mid-July 2026 shows only IME Khalti Ltd., with one wallet: Khalti. IME Pay is no longer on it.
How to move your IME Pay account to Khalti
If you still have money or a KYC-verified account on IME Pay, move it to Khalti like this:
- Install the Khalti app and open the login page.
- Tap Merge with IME.
- Enter your IME Pay number and password.
- Type the OTP sent to that number.
- Check that your name, ID document and date of birth match, then confirm.
| What moves to Khalti | What you need to redo |
|---|---|
| Wallet balance (added to your Khalti balance) | Bank links: IME Pay bank links expire, so link your bank again in Khalti |
| KYC details and Super Wallet status | Nothing, if your KYC was already verified on IME Pay or Khalti |
| IME Points (they join Khalti Points as Daaami Points) | After the merge, the old IME Pay account can no longer be opened |
Khalti’s help pages disagree on whether your old transaction history moves across, so save any IME Pay statements you need before you merge.
How to receive IME remittance in Khalti
Family abroad can still send money through IME, and it can land straight in your Khalti wallet:
- Open Khalti and tap Receive Remittance.
- Choose the country the money was sent from.
- Enter the control number (IME number or PIN) and the exact amount in rupees.
Your Khalti account must be KYC-verified, and the sender must have used your name exactly as it appears in your KYC. Nepal Rastra Bank’s daily and monthly limits still apply.
Video: Receive IME remittance in Khalti (official Khalti video)
Khalti’s own 38-second guide to receiving IME money in the Khalti app.
Khalti by IME limits and fees (2026)
Limits for KYC-verified users, as listed by Khalti under Nepal Rastra Bank’s directive of 7 March 2025:
| Transfer | Per transaction | Per day | Per month |
|---|---|---|---|
| Wallet to wallet | Rs 50,000 | Rs 50,000 | Rs 5 lakh |
| Bank to wallet | Rs 2 lakh | Rs 2 lakh | Rs 10 lakh |
| Wallet to bank | Rs 2 lakh | Rs 2 lakh | Rs 10 lakh |
A wallet can’t hold more than Rs 50,000 overnight. Normally your wallet can receive money through up to 10 deposits a day; Nepal Rastra Bank raised this to 50 for Dashain (Ashwin 31 to Kartik 8, 2083) and Tihar and Chhath (Kartik 21 to 29, 2083).
| Khalti charge (updated 10 July 2026) | Fee |
|---|---|
| Wallet to wallet, under Rs 100 | Free |
| Wallet to wallet, Rs 100 or more | Free for 3 a day and 30 a month, then Rs 10 each |
| Withdraw to your linked bank | Free 3 times a month, then Rs 10 |
| Load with a domestic card | 3% |
| Load with an international card | 5% |
New in 2026: add your National ID to your wallet
Under Nepal Rastra Bank’s 15th amendment to the payment directive, reported on 26 July 2026, wallet companies must check a Nepali citizen’s details against the National ID record before opening a wallet. Existing users who have a National ID had to add their NID number by the end of Ashwin 2083 (about mid-October 2026). If you haven’t done it, update it in the Khalti app.
Khalti by IME also works with NEPALPAY QR: Nepal Clearing House lists it among the apps that can scan and pay at NEPALPAY QR shops.
More wallet guides: Khalti, eSewa, connectIPS and Fonepay.
Phone accessories in our store
Chargers and power banks for the phone you pay with, at our website prices:
| Product | What it is | Our price |
|---|---|---|
| Mcdodo 33W GaN Charger (CH-413) | 33W USB-C PD charger, two outputs | Rs 3,000 |
| UNITEK P1117B 65W GaN Charger | 65W, two USB-C PD ports and one USB-A | Rs 3,980 |
| UGREEN 45W GaN Charger, retractable cable | 45W with a built-in retractable cable | Rs 4,275 |
| Havit PB92 20000mAh Power Bank | 20,000mAh, PD 20W and 22.5W | Rs 2,799 |
| UGREEN 10000mAh Power Bank PD 20W | 10,000mAh, PD 20W, Type-C cable included | Rs 3,200 |
| Trusmi PB03-013 20000mAh Power Bank | 20,000mAh, 22.5W, digital display | Rs 3,550 |
In our store
Mcdodo 33W GaN Charger (CH-413)
UNITEK P1117B 65W GaN Charger
UGREEN 45W GaN Charger, retractable cable
Havit PB92 20000mAh Power Bank
Frequently asked questions
Is IME Pay closed?
IME Pay merged with Khalti. The joined service has run as Khalti by IME since 17 July 2025, and the IME Pay app was reported to close at the end of Kartik 2082 (mid-November 2025). Nepal Rastra Bank’s July 2026 list shows only IME Khalti Ltd. with the Khalti wallet.
How do I move my IME Pay balance to Khalti?
Open the Khalti app, tap Merge with IME on the login page, enter your IME Pay number and password, enter the OTP and confirm your details. Your balance, KYC and Super Wallet status move across.
Do I need to do KYC again in Khalti?
No, if your KYC was already verified on IME Pay or Khalti.
How do I receive IME remittance in Khalti?
Tap Receive Remittance, choose the sender’s country, enter the IME control number and the exact amount. Your account must be KYC-verified and the sender’s name for you must match your KYC.
What is Khalti by IME?
It is the wallet formed when IME Pay and Khalti merged, run by IME Khalti Ltd. The app is called Khalti and includes IME Pay’s features.
What are the Khalti by IME limits?
For KYC-verified users: wallet to wallet Rs 50,000 a day and Rs 5 lakh a month; bank to wallet and wallet to bank Rs 2 lakh a day and Rs 10 lakh a month. A wallet can hold up to Rs 50,000 overnight.
Do I need my National ID for Khalti?
Nepal Rastra Bank now requires wallets to check new users against the National ID record. Existing users with a National ID had to add their NID number by the end of Ashwin 2083.
Sources
- Khalti and IME Pay merge, Nepali Telecom, updated 2 November 2025
- List of PSO/PSP (Jestha end), Nepal Rastra Bank, 2081/02/30 BS
- Licensed list of PSO and PSP, Nepal Rastra Bank, 2083/03/32 BS
- Payment Systems Oversight Report 2081/82, Nepal Rastra Bank
- IME Pay also joins NPS, ShareSansar, 20 February 2023
- IME Pay and Khalti sign MoU for merger, Himal Press, 16 February 2025
- NRB grants final approval for IME Pay and Khalti merger, Onlinekhabar, 18 June 2025
- About Khalti by IME, Khalti
- IME Pay migration guide, Khalti
- Khalti by IME FAQ, Khalti
- Transaction limits for consumers, Khalti
- Charges, Khalti, updated 10 July 2026
- Integrated directives issued on payment systems, Onlinekhabar, 7 March 2025
- NRB mandates National ID verification for digital wallets, ShareSansar, 26 July 2026
- NRB raises daily wallet deposit limit during Dashain, Tihar and Chhath, ShareSansar, 16 October 2026
- NEPALPAY QR, Nepal Clearing House
- IME Pay on the App Store, Apple App Store, viewed 29 October 2026
- Accessory prices: Quality Computer website, 29 October 2026.