Modhumoti Bank Limited SWIFT/BIC code

Modhumoti Bank Limited SWIFT code: MODHBDDH

The 8-character code MODHBDDH and the 11-character code MODHBDDHXXX refer to one and the same institution: Modhumoti Bank Limited. A BIC does one job: it ensures that money from abroad reaches the right bank. You will need it mostly for payments that cross a border and payments in foreign currencies.

This page is meant to help anyone who pays into an account at Modhumoti Bank Limited and wants to get the details right. A SWIFT code identifies a bank or branch, not a single account; the IBAN or account number does that.

Verifying the SWIFT code of Modhumoti Bank Limited

Have the recipient copy the account details straight from their online banking. When the code you were given differs from MODHBDDH or MODHBDDHXXX, stop and ask – contact the recipient or Modhumoti Bank Limited.

If the code is wrong, the transfer might get stuck, bounce back or cost extra – sometimes after weeks of searching. Remember the IBAN: an error there can be harder to undo than a wrong BIC.

Many banking apps validate the structure of IBANs and some suggest the matching BIC – that confirms the format, not the owner. Where available, a name check before sending adds an extra layer of safety. Sending a small amount first can be worth it for a large first payment.

International transfers from Modhumoti Bank Limited: the real cost

When you transfer money to another country from Modhumoti Bank Limited, the visible fee is rarely all of what you pay. On top of a fixed fee, correspondent or intermediary banks may take a cut, and if the money changes currency, the bank usually uses a rate that is less favourable than the actual market rate.

The markup on the rate is often the largest cost because it is hidden in the rate. Compare their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

For many currency pairs, a specialist provider turns out to be cheaper than a bank. GoldexPay compares these services next to each other, showing the amount the recipient gets. You can still keep your account at Modhumoti Bank Limited as the source of the money; only the conversion and sending happen elsewhere.

Where our SWIFT data comes from

We collect SWIFT/BIC codes from publicly available data and check our list regularly. Banks reorganise, change names and retire codes – a directory can be a step behind. Counts and locations are from our own dataset and may differ from what Modhumoti Bank Limited publishes.

For any payment that matters, confirm the code with Modhumoti Bank Limited or with the recipient. GoldexPay is independent of Modhumoti Bank Limited; we are a comparison site for money transfers. If you notice a mistake, we welcome a message.

MODHBDDH or MODHBDDHXXX – which one to use?

A SWIFT code is built from a few fixed parts: the first four letters identify the bank, the next two give the country and characters seven and eight mark the location. That gives you MODHBDDH for Modhumoti Bank Limited.

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

Type the code as one block, in capitals and without spaces. Copying the code is safer than typing it by hand, because one wrong letter changes the bank.

Tracking a transfer to or from Modhumoti Bank Limited

There is no fixed answer: some land the same day or the next, others take several business days. Weekends and public holidays in the sending or receiving country add a day or more to the journey. Extra checks on larger or unusual payments can also cause a delay.

When a payment takes longer than expected, contact your bank for the status; with that reference banks can see where the payment is. Save your transfer receipt – you will need it for any trace request.

A missing payment has to be investigated from the sending side. On the receiving end, you can look at your account to see a partial amount, since fees may have been deducted.

Receiving money from abroad at Modhumoti Bank Limited

To receive an international payment at Modhumoti Bank Limited, the sender needs more than the BIC. Give them your name as the bank knows it, the IBAN or account number, the BIC MODHBDDHXXX and your address.

Certain sending banks want the address of Modhumoti Bank Limited; it does no harm to include it. A typo in the IBAN can be harder to fix than you might think; copy them from your banking app rather than typing.

The amount you receive can be less than what was sent. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the currency changes, an exchange rate margin comes on top. For business payments, it is common to agree who bears the costs.

Watch out for payment fraud

Be alert if someone suddenly wants you to pay into another account abroad. The fact that MODHBDDH exists is no guarantee that the account is legitimate – fraudsters use real bank codes as well.

Check new payment details through a different channel, not by replying to the message. Pressure and secrecy tend to be warning signs – a real supplier can wait a day. If money has already gone to the wrong account, call your bank right away.

Fraud also target the receiver. Someone claims to have sent too much and asks you to refund the extra. A screenshot of a transfer is no proof – check your own account.

Modhumoti Bank Limited: head office code versus branch codes

Having 8 codes, Modhumoti Bank Limited belongs to the banks that use individual codes for branches and departments. The main code remains MODHBDDHXXX.

For most incoming transfers, the head office code MODHBDDHXXX is the right choice. Just use a branch code when the account holder explicitly asks for it, for example on a letter or invoice.

Unsure which code to use? Ask the recipient. Codes can change over time, so do not rely on old paperwork.