National Credit and Commerce Bank Limited SWIFT/BIC code

What NCCLBDDH means for a payment to National Credit and Commerce Bank Limited

NCCLBDDH and NCCLBDDHXXX are the short and the long form of the same SWIFT/BIC code, and both lead to National Credit and Commerce Bank Limited in Dhaka. Every bank on the SWIFT network uses these codes to route payments between countries to the correct institution. In practice you mostly see the code on international invoices, in payment forms and on the account details of National Credit and Commerce Bank Limited customers.

On this page you will find what the code is put together, when it matters and what else you need for a transfer to or from National Credit and Commerce Bank Limited. Keep in mind that the BIC only identifies the bank, not the person: the account number or IBAN takes care of that.

Head office or branch code at National Credit and Commerce Bank Limited?

Our database contains 25 SWIFT/BIC codes for National Credit and Commerce Bank Limited. Next to the head office code NCCLBDDHXXX, there are codes for individual branches and departments.

In most cases there is no need to pick a branch: payments addressed to NCCLBDDHXXX are routed within National Credit and Commerce Bank Limited without problems. If you have been given a specific code, use it as it is instead of swapping it for the head office code.

Unsure which code to use? Check with the recipient or the bank itself. Codes for branches are more likely to change than the head office code.

How to check NCCLBDDH before you pay

The most reliable place for the right code is paperwork issued by the bank like a bank statement or the account page in online banking. When the code you were given does not match NCCLBDDH or NCCLBDDHXXX, do not guess – contact the recipient or National Credit and Commerce Bank Limited.

A wrong SWIFT code may lead to a delay, a payment being sent back or extra fees along the way. Do not forget the account number: an error there is more difficult to undo than a wrong code.

Many banking apps check the structure of IBANs – that confirms the format, not the owner. Where available, a name check before sending gives an extra layer of safety. Sending a small amount first can be a sensible step for large sums despite the extra fee.

Watch out for payment fraud

One of the most common tricks goes like this: you receive a message saying that a company now has a new bank account and that the next payment should go there. That NCCLBDDH is a real code does not mean that the account is legitimate.

Verify new bank details through a different channel like a call to a number from an earlier contract, never via the email that asked for the change. Pressure or requests to keep it quiet are red flags; a genuine business can wait for you to check. Already paid? Contact your bank straight away and have them start a recall and report the fraud.

Scams can also work the other way. Someone claims to have sent more than agreed and wants you to return the extra via a different route. A screenshot of a transfer is no proof – check your own account.

What a transfer from National Credit and Commerce Bank Limited abroad really costs

The price of an international transfer has more than one component, and the transfer fee is only the most visible one. On top of a fixed fee, banks in between can deduct a fee, and when currencies are converted the bank usually uses a rate that is less favourable than the real market rate.

Most of the cost usually sits in the exchange rate: many banks convert at a rate that includes a margin. An easy check: put the rate you get next to the mid-market rate for the same moment and look at the difference.

For many currency pairs, a transfer service turns out to be less expensive than a bank. GoldexPay lists these services next to each other so you can see what actually arrives for the same amount sent. Choosing a specialist does not mean closing your account at National Credit and Commerce Bank Limited: you simply pay the service from your account.

8 or 11 characters: NCCLBDDH versus NCCLBDDHXXX

Every SWIFT/BIC code starts with an 8-character core: four letters for the bank, two letters for the country and two characters for the location. In this case, the 8-character core is NCCLBDDH.

The long version adds three more characters that identify a branch or department. If the last three are XXX, they simply mean the head office, so NCCLBDDHXXX and NCCLBDDH are interchangeable.

Type the code in one piece, in upper case and without separators. Pasting the code is safer than typing it by hand.

When will the money arrive at National Credit and Commerce Bank Limited?

How quickly a transfer reaches National Credit and Commerce Bank Limited depends on a few things: which currency you send, the number of banks in between, daily processing deadlines and time zones. Transfers sent late in the day or on weekends and holidays usually start a business day later. Occasionally a bank wants to know about the purpose of a payment, which can hold things up.

Many banks are connected to SWIFT gpi for faster and traceable payments. Every gpi transfer gets a unique transaction reference, the UETR. Save the payment confirmation until the recipient confirms; it contains the details a bank needs to start a trace.

If a payment has not arrived after a few business days, the person who paid needs to contact the bank that sent it. Request from the sender a copy of the payment confirmation with the date and reference – it helps your own bank look for the money.

Where our SWIFT data comes from

The details on this page come from public sources. Still, banks merge, rename themselves or change codes and our data may lag behind. The figures on this page are based on what is in our directory, not official figures from National Credit and Commerce Bank Limited.

For any payment that matters, always confirm the code with National Credit and Commerce Bank Limited or the recipient. GoldexPay is an independent comparison site for money transfers and not part of National Credit and Commerce Bank Limited. Spotted outdated information? Tell us through the contact page and we will look into it.

Incoming international payments to National Credit and Commerce Bank Limited

A sender in another country needs a few details from you – incomplete details often cause delays. The basics are: your name, account number or IBAN, NCCLBDDHXXX or NCCLBDDH and often your home address.

It helps to add National Credit and Commerce Bank Limited and Dhaka too, since some forms ask for it. Check each detail before you share them – a sender rarely spots a mistake in someone else’s details.

An incoming payment will not always land for the full amount. Correspondent banks can take a fee, and if the currency changes, a markup on the rate applies. Make clear with the sender who covers the fees before the money is sent.