South Bangla Agriculture and Commerce Bank Limited SWIFT/BIC code

South Bangla Agriculture and Commerce Bank Limited SWIFT code: SBACBDDH

The short code SBACBDDH and the full code SBACBDDHXXX identify the same bank: South Bangla Agriculture and Commerce Bank Limited. A BIC does one job: it makes sure that an international payment reaches the right bank. It comes up mainly for payments that cross a border and payments in foreign currencies.

On this page we explain what the code is put together, when it matters and which other details a transfer to or from South Bangla Agriculture and Commerce Bank Limited requires. The SWIFT code alone cannot identify a personal account; for that you need the IBAN or account number is for.

8 or 11 characters: SBACBDDH versus SBACBDDHXXX

Each SWIFT/BIC code starts with the same eight core characters: four letters for the bank, a two-letter country code and a two-character location code. Together, those parts form SBACBDDH.

XXX at the end of SBACBDDHXXX is not a missing value or a mistake: it indicates the main office of South Bangla Agriculture and Commerce Bank Limited. Some forms ask for 11 characters, in which case you simply enter XXX after SBACBDDH.

As a rule the code is written in capitals, without spaces or dashes. A single letter can send a payment to another bank.

How up to date is this code?

The codes here are taken from publicly available data. It is possible that information on this page is no longer current. Counts and locations come from our own dataset and may differ from what South Bangla Agriculture and Commerce Bank Limited publishes.

Treat this page as a reference, not as the final word. We are an independent comparison service and not part of South Bangla Agriculture and Commerce Bank Limited. If you notice a mistake, we appreciate a short note via the contact page.

Is SBACBDDH still correct? How to check

The most reliable place for the correct BIC is paperwork issued by the bank, such as a statement or the account details in online banking. If the code you have differs from SBACBDDH or SBACBDDHXXX, do not guess.

With a wrong code, the transfer may get stuck, bounce back or end up costing more, and tracing it can take weeks. Do not forget the account number: a mistake there is harder to undo than a wrong code.

Most online banking apps validate the format of an IBAN, but that does not prove the account belongs to the right person. More and more banks check the name with the account before you confirm – do not ignore a mismatch warning. For a first payment, many people start with a small test amount.

What to give a sender who pays you at South Bangla Agriculture and Commerce Bank Limited

If you are waiting for a payment from another country, give the sender all details at once. Give them your name as the bank knows it, the IBAN or account number, SWIFT code SBACBDDHXXX and your address, which some banks require.

It helps to include the bank name and its city too. A mistake in the IBAN is harder to fix than it looks, so copy the details from your online banking.

Do not be surprised if the amount credited is below the amount on the sender’s receipt. Intermediary banks may deduct a fee, South Bangla Agriculture and Commerce Bank Limited may charge for incoming payments, and if the money is converted, an exchange rate margin comes on top. Make clear with the sender who pays which costs.

Choosing between the 6 SWIFT codes of South Bangla Agriculture and Commerce Bank Limited

South Bangla Agriculture and Commerce Bank Limited uses 6 separate SWIFT/BIC codes across 4 cities. One of them is the head office code; the rest belong to branches, and sometimes specific services.

For most payments to a private or business account, the head office code SBACBDDHXXX is the right choice. When you receive a branch code, stick to it instead of swapping it for the head office code.

Unsure which code to use? Ask the recipient. Codes can change when banks reorganise.

Paying someone abroad from your South Bangla Agriculture and Commerce Bank Limited account

A bank transfer abroad costs rather more than the fee suggests. Besides the transfer fee, correspondent or intermediary banks may take a cut, and if currencies are converted the bank usually applies a rate below the actual market rate.

The markup on the rate is often the largest cost, and it is easy to miss. Check the rate you are offered against the mid-market rate; the gap is what conversion costs you.

For many currency pairs, a specialist provider turns out to be cheaper than a bank, mainly because of the exchange rate. Next time you send money, it is worth to compare what arrives on GoldexPay rather than accepting the bank’s rate by default. Using a transfer service does not require closing your account at South Bangla Agriculture and Commerce Bank Limited: you simply pay the service from your account.

Transfer times and tracking a payment to South Bangla Agriculture and Commerce Bank Limited

How quickly a transfer reaches South Bangla Agriculture and Commerce Bank Limited depends on several factors: which currency you send, how many intermediary banks are involved, cut-off times and time zones. Transfers sent late in the day or just before weekends and holidays usually go out the next business day. Occasionally a bank asks about the purpose of a payment, which can hold things up.

When a payment takes longer than expected, contact your bank about the tracking status or the UETR so they can trace it along the chain. Save your transfer receipt until the recipient confirms.

Only the sending bank is able to request a trace. On the receiving end, you can look at your statements to see a partial amount.

Scams that use SWIFT codes

Be wary when someone unexpectedly asks you to pay into a different account or a bank in another country. A valid SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Always verify a change of bank details through a phone call on a number you know, not one from the message. Pressure or requests to keep it quiet are warning signs; a genuine business can wait for you to check. If a payment has already gone to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

People receiving money are targeted too: one known trick is a buyer who pays too much and then sends a request to refund the difference to another account. Wait until the money is actually in your account.