Janata Bank Limited SWIFT/BIC code

SWIFT/BIC code of Janata Bank Limited

Whether a recipient gives you JANBBDDH or JANBBDDHXXX, it is the same address for Janata Bank Limited in Bangladesh. Banks worldwide use BIC codes to route international transfers to the right institution. In practice you usually see the code on invoices from abroad, in your banking app and in the bank details that Janata Bank Limited provides.

On this page you will find how the code is put together, when you need it and what else you need for a transfer to or from Janata Bank Limited. The SWIFT code on its own cannot identify a personal account; for that you need the account number or IBAN is for.

What to give a sender who pays you at Janata Bank Limited

For an international payment at Janata Bank Limited, the sender has to have more than the BIC. Share the account holder’s name, the IBAN or account number, the BIC JANBBDDHXXX and your address.

Certain sending banks also ask for the address of Janata Bank Limited in Dhaka; it does no harm to include it. A typo in the IBAN is more trouble than it looks.

Expect that the incoming amount is below what the sender paid. Intermediary banks may deduct a fee and your own bank may charge for processing, and when currencies differ, a markup on the rate comes on top. On invoices, it is common to agree who bears the costs, so that nobody is left short.

Is JANBBDDH still correct? How to check

The safest source for the BIC is the recipient’s own bank details: an invoice, a bank statement or their online banking. When the code you were given differs from JANBBDDH or JANBBDDHXXX, stop and ask.

A wrong SWIFT code can cause a delay, a payment being sent back or extra fees for investigation. Do not forget the account number: a mistake there can be harder to undo than a wrong BIC.

Most online banking apps validate the format of IBANs and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. If your bank offers it, a payee name check before sending adds an extra layer of safety. For a first payment, many people send a small test amount.

How up to date is this code?

The directory on GoldexPay is compiled from publicly available sources and we update it periodically. Institutions merge, close branches and change codes, and a directory never catches every change immediately. Counts and locations are from our own dataset and may differ from what Janata Bank Limited publishes.

See the information on this page as a handy check, and let the details from the recipient or Janata Bank Limited have the final say. GoldexPay has no connection to Janata Bank Limited, we only compare transfer services. Should you notice a mistake, we appreciate a short note.

Choosing between the 48 SWIFT codes of Janata Bank Limited

We have 48 SWIFT/BIC codes for Janata Bank Limited. Besides the head office code JANBBDDHXXX, there are codes for regional offices and specialised units.

Usually you do not need to look up a branch: payments sent to JANBBDDHXXX reach Janata Bank Limited correctly. A branch code only makes sense when the account holder specifically asks for it.

Not sure which code applies? Ask the recipient or the bank itself. Codes can change when banks reorganise, so a code from an old document is not always valid.

JANBBDDH or JANBBDDHXXX – which one to use?

The layout of a BIC is always the same: four characters for the institution, a two-letter country code and two for the location. For Janata Bank Limited, the 8-character core is JANBBDDH.

The 11-character version adds a three-character extension that identify a branch or department. If the last three are XXX, the code points to the head office, so JANBBDDHXXX and JANBBDDH are interchangeable.

Enter the code in one piece, in capitals and without spaces, exactly as shown here. Watch for O versus 0 or I versus 1; they are easy to mix up.

International transfers from Janata Bank Limited: the real cost

When you send money abroad from Janata Bank Limited, the visible fee is only part of the cost. There is the transfer fee, sometimes fees charged by intermediary banks in between and, above all, the exchange rate markup when the money is converted.

The real cost is often in the rate, rather than in the fee: the bank converts using an exchange rate that includes a margin. An easy check: set the bank’s rate against the mid-market rate and work out the difference on your amount.

For many routes, a transfer service is less expensive than a traditional bank transfer. GoldexPay compares these services side by side, showing the amount the recipient gets. Using a transfer service does not require closing your account at Janata Bank Limited – you pay the provider from your own account.

Changed bank details? Be careful

One of the most common tricks works like this: an email arrives with a message saying that a contact has new bank details and that the next payment should go there. A real SWIFT code says nothing about who owns the account.

Never rely on a phone number in the same message that announces the new account. Pressure and requests to keep it quiet tend to be red flags – a real supplier can wait a day. Already paid? Call the bank you paid from without delay and have them start a recall.

Scams also target the receiver. Someone claims to have sent too much and wants you to refund the extra. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

When will the money arrive at Janata Bank Limited?

There is no fixed answer: many arrive within a day, others take several business days. Weekends and public holidays in the sending or receiving country can add a day or more to the journey. Extra checks by one of the banks may also cause a delay, regardless of the details.

A growing number of banks use SWIFT gpi for faster and traceable payments. Every gpi transfer carries a unique reference, the UETR that banks can use to trace it. Money transfer services often provide tracking in their app so you can see how far the payment has got.

The bank that sent the money is able to start an official trace or a recall. Request from the sender a copy of the payment confirmation; that often settles the question quickly.