Frequently Asked Questions

Bini is a byte-sized investment platform that helps you build wealth over time. You can invest in mutual funds and open a BO account online, all from one simple app, with more asset classes coming soon.

Bini works only with regulated institutions, including Asset Management Companies (AMCs) and brokerage houses overseen by the Bangladesh Securities and Exchange Commission (BSEC). Every investment follows the rules set by regulators.

Your investments always stay with the financial institutions and AMCs for mutual funds.

• For monthly investments (SIP) in mutual funds, the AMC automatically pulls the investment directly from your bank account on the selected date.
• For one-time investments (lumpsum) in mutual funds, you transfer the money directly to the AMC’s bank account.

Download the Bini app and sign up with your name, phone number, and email. Verify your phone, and your account will be ready to use.

Starting investing is easy.

• Step 1: Upload your details: Your NID, image, signature, bank details and BO details (required only for mutual funds).
• Step 2: Upload nominee’s details: Nominee’s NID, image and signature. Once done, you’re ready to invest anytime.

Bini makes investing simple, accessible, and completely online. It is the first platform in Bangladesh where you can invest in multiple mutual funds from one place.

• Invest in multiple funds with a single profile, no need to submit your details repeatedly.
• Track your investments easily: see how much you’ve earned, transaction history, dividend history, and all investment details in one place.
• Get clear insights into where your mutual fund invests, by company and sector, along with dividend history.
• Learn and make informed decisions with your Personal Finance Buddy, which explains money and investment concepts in simple language.
• Plan smarter with the investment comparison calculator, which shows potential returns before you invest.
• Sell investments conveniently.

A mutual fund is when a licensed professional manages and invests your money for you. Instead of researching the market yourself, a fund manager pools your money with others’, chooses the right investments, and manages everything on your behalf. It’s the easiest way to invest without needing expertise or constant monitoring.

A BO (Beneficiary Owner’s) account is your digital locker for mutual fund units and stocks. You need one to invest in mutual funds or stocks. With Bini, you can open a BO account fully online and get the first year’s maintenance fee waived if you invest any amount after opening.

SIP (Systematic Investment Plan) means investing a fixed amount every month on a fixed date in a mutual fund. It is the easiest way to build wealth over time.

Once your profile is complete, you need to do the following steps to start your SIP:

• Choose a mutual fund
• Enter the amount
• Select the pull date (when AMC will deduct the amount)
• Choose a dividend option

That’s it your SIP is set up and will run automatically every month.

Each fund sets its own minimum. You can start a SIP from ৳ 1,000 a month on selected funds, and every fund page shows that fund's SIP and lump-sum minimums.

SIP doesn’t guarantee immediate profit. But over time, it can help you build significant wealth. By investing a fixed amount every month, you buy more units when prices are low and fewer when prices are high, averaging your cost. Over the long term, compounding can make your returns grow significantly.

Bini creates agent partnerships with the AMCs in order to earn fees. If you invest using Bini, the AMC shares a percentage of the management fee with Bini. You don’t have to pay anything extra.

For example, an AMC charges 2% management fee. If you invest directly you pay this 2% fee and if you invest via Bini you pay exactly the same, 2% management fee. Then AMC shares a part of this 2% fee with us. So it costs you nothing extra but you get all the extra benefits.

Another revenue is when you sell mutual funds, Bini charges ৳ 99 per request. This is regardless of your selling amount. If you sell units worth ৳ 10,00,000 you pay ৳ 99, if you sell units worth ৳ 10,000; you pay ৳ 99. This charge is collected to cover the costs of making your selling process digital and hassle free.