United Commercial Bank LTD SWIFT/BIC code

UCBLBDDH – the SWIFT/BIC code of United Commercial Bank LTD

The short code UCBLBDDH and the full code UCBLBDDHXXX identify the same bank: United Commercial Bank LTD. Banks worldwide use these codes to direct payments between countries to the right bank. In daily life you mostly come across the code on invoices from abroad, in your banking app and in the bank details of United Commercial Bank LTD customers.

On this page you will find how the code is put together, when it matters and which other details a transfer to or from United Commercial Bank LTD requires. The BIC names a bank or branch, not a specific account, which is why you always need the account number too.

What to give a sender who pays you at United Commercial Bank LTD

When you are waiting for money from abroad, give the sender all details at once. Give them your name as the bank knows it, the IBAN or account number, SWIFT code UCBLBDDHXXX and your address, which some banks require.

The sender’s bank might request the bank address of United Commercial Bank LTD; the head office in Dhaka is usually fine. A typo in your account number is harder to fix than you might think; copy them from your banking app rather than typing.

Do not be surprised if the amount credited is below what the sender paid. Charges on incoming payments differ from bank to bank; check the price list of United Commercial Bank LTD. Make clear with the sender who pays which costs before the money is sent.

Transfer times and tracking a payment to United Commercial Bank LTD

How fast a transfer arrives at United Commercial Bank LTD is determined by 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 just before weekends and holidays often go out the next business day. Sometimes a bank asks what the payment is for before releasing it.

When a payment takes longer than expected, ask your bank for the tracking status or the UETR; with that reference banks can see where the payment is. Save the payment confirmation until the recipient confirms; it contains the details a bank needs to start a trace.

The bank that sent the money is able to start an official trace; the receiving side usually has nothing to trace yet. Ask the sender for the payment receipt including the reference; that often settles the question quickly.

United Commercial Bank LTD: head office code versus branch codes

Our database contains 32 SWIFT/BIC codes for United Commercial Bank LTD, spread over 8 cities. Besides the head office code UCBLBDDHXXX, there are codes for branches, departments or specific services.

In most cases there is no need to pick a branch: payments addressed to UCBLBDDHXXX are routed within United Commercial Bank LTD correctly. Branch codes are only needed if the account holder explicitly asks for it, which is more common for business accounts and trade services.

Unsure which code applies? Ask the recipient. Codes for branches are more likely to change than the head office code when a bank merges or closes offices.

Protect yourself against fake payment requests

Fraudsters regularly send fake invoices with changed bank details. That UCBLBDDH is a real code is no guarantee that the account is genuine – fraudsters use real bank codes as well.

Verify new payment details through a separate channel, not by replying to the message. Watch out for time pressure, odd spelling or an email address that differs by one letter. Already paid? Contact your bank without delay and ask them to start a recall.

Fraud also target the receiver: someone claims to have sent more than agreed and wants you to refund the difference via a different route. A payment confirmation from the sender proves nothing; only your own account shows what has arrived.

8 or 11 characters: UCBLBDDH versus UCBLBDDHXXX

A SWIFT code is built from a few fixed parts: the first four letters stand for the bank, the next two show the country and the two after that indicate the location. That gives you UCBLBDDH for United Commercial Bank LTD.

XXX at the end of UCBLBDDHXXX does not stand for a placeholder or a mistake: it indicates the main office of United Commercial Bank LTD. Some forms insist on 11 characters, and then you can enter XXX after UCBLBDDH.

Enter the code in one piece, in capitals and without spaces, exactly as shown here. Watch for O versus 0 or I versus 1, a common source of typos.

International transfers from United Commercial Bank LTD: the real cost

An international bank payment costs more than the fee suggests. Besides a fixed fee, banks in between can deduct a fee, and when currencies are converted the bank often uses a rate below the real market rate.

Most of the cost usually sits in the exchange rate, not in the fee: many banks convert using an exchange rate with a margin built in. Compare their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

For a lot of currency pairs, a specialist provider turns out to be cheaper than a bank. Next time you send money, take a minute comparing the total cost via GoldexPay. You can still use your account at United Commercial Bank LTD as the source of the money; only the conversion and sending happen elsewhere.

A note on our data

The details here are taken from public sources. It can happen that a code here is out of date after a merger or reorganisation. Figures such as the number of codes come from our own dataset and are not confirmed by United Commercial Bank LTD.

See the information here as a handy check. GoldexPay is an independent comparison site for money transfers and not affiliated with United Commercial Bank LTD. If you notice something that is out of date, we welcome a message.

Is UCBLBDDH still correct? How to check

The most reliable place for the right code is paperwork issued by the bank, such as a statement or the account details in online banking. When the code you were given does not match UCBLBDDH or UCBLBDDHXXX, stop and ask: check with the recipient or with United Commercial Bank LTD directly.

A wrong SWIFT code may lead to a delay, a payment being sent back or additional charges for investigation. A mistake in the account number is a bigger problem because it can reach the wrong person; check it just as carefully.

A format check by your bank only tells you that the code exists, not that it is the right account. Some banks now compare the payee name with the account before you confirm; take any warning seriously. A small test payment can be a sensible step for a large first payment despite the extra fee.