Bangladesh Commerce Bank LTD. SWIFT/BIC code

SWIFT/BIC code of Bangladesh Commerce Bank LTD.

BCBLBDDH and BCBLBDDHXXX are two ways of writing the same bank identifier, and both point to Bangladesh Commerce Bank LTD. in Dhaka. A SWIFT code tells the banks handling a payment which institution should receive the money, a bit like a postal address for banks. In practice you usually come across it on invoices from abroad, in your banking app and in the bank details of Bangladesh Commerce Bank LTD. customers.

Further down we go through the practical questions: receiving money at Bangladesh Commerce Bank LTD., paying someone in another country and how to check the code before you confirm a payment. A SWIFT code identifies an institution, not a single account, which is why you always need the account number too.

Bangladesh Commerce Bank LTD.: head office code versus branch codes

Bangladesh Commerce Bank LTD. has 10 separate SWIFT/BIC codes across 3 locations. One of them is the head office code; the rest belong to branches, and sometimes specific services.

Usually there is no need to pick a branch: transfers addressed to BCBLBDDHXXX are routed within Bangladesh Commerce Bank LTD. correctly. Only use a branch code when the recipient gives you that exact code, for example on an invoice or in their bank details.

When in doubt, check with the recipient which code their bank gave them. Branch codes can change over time.

When will the money arrive at Bangladesh Commerce Bank LTD.?

How quickly a payment reaches Bangladesh Commerce Bank LTD. depends on a few things: which currency you send, the number of banks in between, daily processing deadlines and differences in time zone. Transfers sent late in the day or just before a weekend or public holiday often start a business day later. Occasionally a bank asks what the payment is for.

If the money seems delayed, contact your bank about the tracking status so they can trace it along the chain. Specialist transfer services usually show tracking in their app so you can see how far the money has got.

Only the sending bank is able to start an official trace. On the receiving end, it helps to look at your statements to see a partial amount because fees can reduce the amount.

International transfers from Bangladesh Commerce Bank LTD.: the real cost

What you pay for an international transfer has more than one component, and the transfer fee is only the most visible one. There is the fee for the transfer itself, sometimes fees charged by intermediary banks in between and, most importantly, the margin on the exchange rate when the money is converted.

The real cost is often in the rate: many banks convert at a rate with a margin built in. An easy check: put the bank’s rate against the mid-market rate and look at the difference.

Specialist money transfer services frequently offer a rate near the mid-market rate with clearer fees. GoldexPay lists these services side by side, showing what actually arrives. You can still use your account at Bangladesh Commerce Bank LTD. as the source of the money.

Changed bank details? Be careful

A common scam works like this: an email arrives with a message claiming that a contact now has new bank details. A valid SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Never rely on a phone number in the same message that announces the new account. Urgency and secrecy are warning signs. If a payment was sent to a fraudster, call your bank right away – speed improves the chance of getting it back.

Fraud can also target the receiver: someone claims to have sent more than agreed and wants you to refund the extra to a new account. A screenshot of a transfer proves nothing – check your own account.

Before you send: check the Bangladesh Commerce Bank LTD. code

The most reliable place for the correct BIC remains paperwork issued by the bank like a bank statement or the account page in online banking. Check that code against BCBLBDDH here and ask if anything does not match.

Errors in the SWIFT code tend to be annoying more than disastrous: often the payment comes back, minus fees. Remember the IBAN: a mistake there can be harder to undo than a wrong code.

A validity check by your bank only tells you that the code is valid. More and more banks compare the name with the account before you confirm – do not ignore a mismatch warning. Sending a small amount first can be a sensible step for large sums despite the extra fee.

8 or 11 characters: BCBLBDDH versus BCBLBDDHXXX

Each SWIFT/BIC code starts with an 8-character core: four letters for the bank, a two-letter country code and a two-character location code. The result is BCBLBDDH, the short form of the code.

The long version has three more characters for a branch or department. If the last three are XXX, the code points to the head office.

Enter the code as one block, in capitals and without spaces. Look out for the letter O and the digit 0 and I versus 1, a common source of typos.

Getting paid from abroad into a Bangladesh Commerce Bank LTD. account

To receive an international payment into your account at Bangladesh Commerce Bank LTD., the person paying you needs more than the BIC. Give them the account holder’s name, the IBAN or account number, the BIC BCBLBDDHXXX and your address.

The sender’s bank might also ask for the address of your bank; the head office in Dhaka is usually fine. A typo in your account number is more trouble than it looks, so copy the details from your online banking.

Do not be surprised if the incoming amount is smaller than what the sender paid. Correspondent banks can take a fee and your own bank may charge for processing, and when currencies differ, an exchange rate margin comes on top. For business payments, you can agree who bears the costs.

A note on our data

The codes here come from public sources that we update regularly. Even so, banks merge, rename themselves or retire codes, so information can be out of date. Counts and locations are from our own dataset.

Treat the information here as a helpful check and rely on the recipient or Bangladesh Commerce Bank LTD. for the final confirmation. GoldexPay is not affiliated with Bangladesh Commerce Bank LTD., we only compare transfer services. If you notice a mistake, we welcome a message.