How Dhanio Works & What It Costs
No subscriptions. No hidden charges. Dhanio is free to use — you only pay a small processing fee when adding money via card.
No plan required. There are no tiers, no monthly fees and no premium versions. Every Dhanio user gets the same experience — completely free.
How It Works
Create your free account with just your mobile number. Takes under 60 seconds — no paperwork, no waiting.
Top up via UPI at no charge. Debit/credit card top-ups carry a 1.6% processing fee charged by the payment gateway.
Recharge any operator — Jio, Airtel, Vi, BSNL. Pay electricity, water, gas, DTH and broadband bills via BBPS. All free.
Transfer wallet balance to any other Dhanio user instantly and for free.
Withdraw your Main Wallet balance back to your bank account. The first few withdrawals each month are free; a small fee applies beyond the monthly limit.
Move money from your Main Wallet into an FD Wallet. Choose a lock-in of 30, 60 or 90 days and earn a guaranteed fixed return when it matures. No fees to open or close an FD.
Keep an active balance in your Main Wallet and stay active on Dhanio. On the 5th of every month you'll receive a mystery reward card — scratch it to reveal what you've earned. The amount is credited instantly to your Reward Wallet.
Use your Reward Wallet balance to pay for any recharge, bill or service inside Dhanio. Reward Wallet balance cannot be withdrawn to a bank account.
Fee Summary
A quick reference for every charge on the platform.
Processing fee charged by payment gateway
Electricity, water, gas, DTH, broadband & more
Small fee applies after the free monthly limit
30, 60 or 90 day lock-in. Earn a fixed return on maturity.
Surprise reward credited on the 5th of each month
About Your Reward Wallet
Every 5th of the month, scratch your reward card and discover what you earned — based on your wallet activity. The reward is credited instantly to your Reward Wallet.
- Reward Wallet balance can be used for all recharges and bill payments
- Cannot be withdrawn to a bank account
- Earned through regular wallet activity — the more you use Dhanio, the bigger your surprise
- No minimum balance required to be eligible
Ready to get started?
Join thousands of Indians already using Dhanio — it's free.