Market specifications

Do you want to know more information about Bangladesh's market? Go to the Accelerate Growth in Asia’s Leading eCommerce Hubs article.

Country reference

`country` code	`currency` code	`amount` decimals	`beneficiary.document.type` name	`beneficiary.document.id` format
`BD`	`BDT`	2	National Identity Card (NID)	17 digits. All numeric.

Mandatory parameters

Bank transfers

Bank transfer parameters	B2C	B2B	P2P
`external_id`	Yes	Yes	Yes
`payment_method_id`	Yes	Yes	Yes
`flow_type`	Yes	Yes	Yes
`purpose`	Yes	Yes	Yes
`country`	Yes	Yes	Yes
`amount`	Yes	Yes	Yes
`currency`	Yes	Yes	Yes
`beneficiary.first_name`	Yes	-	Yes
`beneficiary.last_name`	Yes	-	Yes
`beneficiary.business_name`	-	Yes	-
`beneficiary.address.street`	Yes	Yes	Yes
`beneficiary.address.city`	Yes	Yes	Yes
`beneficiary.phone`	Yes	Yes	Yes
`beneficiary.bank_account.code`	Yes	Yes	Yes
`beneficiary.bank_account.branch`	Yes	Yes	Yes
`beneficiary.bank_account.account`	Yes	Yes	Yes
`beneficiary.bank_account.type`	Yes	Yes	Yes
`beneficiary.document.id`	Yes	Yes	Yes
`beneficiary.document.type`	Yes	Yes	Yes
`remitter.first_name`	-	-	Yes
`remitter.last_name`	-	-	Yes
`remitter.document.id`	-	-	Yes
`remitter.document.type`	-	-	Yes
`remitter.birth_info.date`	-	-	Yes
`remitter.address.street`	-	-	Yes
`remitter.address.city`	-	-	Yes
`remitter.address.country`	-	-	Yes
`remitter.nationality`	-	-	Yes

Wallet transfers

Wallet transfer parameters	B2C	B2B	P2P
`external_id`	Yes	Yes	Yes
`payment_method_id`	Yes	Yes	Yes
`flow_type`	Yes	Yes	Yes
`purpose`	Yes	Yes	Yes
`country`	Yes	Yes	Yes
`amount`	Yes	Yes	Yes
`currency`	Yes	Yes	Yes
`beneficiary.first_name`	Yes	-	Yes
`beneficiary.last_name`	Yes	-	Yes
`beneficiary.business_name`	-	Yes	-
`beneficiary.instant_payment.id`	Yes	Yes	Yes
`beneficiary.instant_payment.type`	Yes	Yes	Yes
`beneficiary.document.id`	Yes	Yes	Yes
`beneficiary.document.type`	Yes	Yes	Yes
`remitter.first_name`	-	-	Yes
`remitter.last_name`	-	-	Yes
`remitter.document.id`	-	-	Yes
`remitter.document.type`	-	-	Yes
`remitter.birth_info.date`	-	-	Yes
`remitter.address.street`	-	-	Yes
`remitter.address.city`	-	-	Yes
`remitter.address.country`	-	-	Yes
`remitter.nationality`	-	-	Yes

Payment methods

Bangladesh supports payouts via Bank transfers and Wallet transfers. Each method requires specific parameters and follows validation rules aligned with local compliance and banking standards.

Use Wallet transfers for instant payments to mobile wallets. Use Bank transfers when sending funds directly to a bank account.

Bank transfers

Bank transfers in Bangladesh require detailed account information, including bank account number, bank branch code, address, and phone number. The format of these fields depends on the receiving bank, and strict validation rules apply.

Refer to the bank codes section for format specifications.

Mandatory parameters

All fields listed below are required for bank transfer payouts. For successful processing, ensure correct formatting and value types.

Mandatory parameter	Description
`external_id`	Payout identification at the merchant's end. Maximum 100 characters.
`payment_method_id`	Payment method. For bank transfers, use `BANK_TRANSFER`.
`flow_type`	Payout flow type. Valid values: `B2C` (Business to Consumer), `B2B` (Business to Business), `P2P` (Person to Person).
`purpose`	Payout purpose code. See purpose codes reference.
`country`	Country code. For Bangladesh, use `BD`.
`amount`	Payout amount in `BDT`. Use up to 2 decimal places.
`currency`	Source currency. Use `BDT` or `USD`.
`beneficiary.first_name`	Beneficiary’s first name. Maximum 50 characters.
`beneficiary.last_name`	Beneficiary’s last name. Maximum 50 characters.
`beneficiary.business_name`	Beneficiary's business name. Mandatory only for B2B.
`beneficiary.document.type`	Beneficiary’s document type. Use `ID` for National ID.
`beneficiary.document.id`	Beneficiary’s document number (17 digits).
`beneficiary.phone`	Beneficiary’s phone number. Maximum 100 characters.
`beneficiary.address.street`	Beneficiary’s address. Maximum 200 characters.
`beneficiary.address.city`	Beneficiary’s city. Maximum 100 characters.
`beneficiary.bank_account.code`	Bank account code. 3-digit bank code + 6-digit branch code.
`beneficiary.bank_account.account`	Bank account number. Between 8–18 digits.
`beneficiary.bank_account.branch`	Bank branch code. 9 digits.
`beneficiary.bank_account.type`	Bank account type.
`remitter.first_name`	Remitter’s first name. Mandatory only for remittance (P2P).
`remitter.last_name`	Remitter’s last name. Mandatory only for remittance (P2P).
`remitter.document.type`	Type of identification document: `ID` for national identification number, `PASS` for passport. Mandatory only for remittance (P2P).
`remitter.document.id`	Remitter’s identification number. Mandatory only for remittance (P2P).
`remitter.birth_info.date`	Remitter’s birth date in ISO 8601 format (`YYYY-MM-DD`). Mandatory only for remittance (P2P).
`remitter.address.street`	Remitter’s street address. Mandatory only for remittance (P2P).
`remitter.address.city`	Remitter’s city. Mandatory only for remittance (P2P).
`remitter.address.country`	Remitter’s country code in ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).
`remitter.nationality`	Remitter’s nationality in ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).

Example request

{
  "external_id": "1234567812345678",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "country": "BD",
  "amount": 4316.50,
  "currency": "BDT",
  "beneficiary": {
    "first_name": "Rashna",
    "last_name": "Imam",
    "document": {
      "type": "ID",
      "id": "12345678912345678"
    },
    "phone": "8801755590738",
    "address": {
      "street": "House 12, Road 3, Banani",
      "city": "Dhaka",
      "number": "123",
      "state": "Barishal",
      "country": "BD",
      "postal_code": "0123498"
    },
    "bank_account": {
      "code": "60",
      "branch": "060261726",
      "account": "1073716040001",
      "type": "SAVINGS"
    }
  }
}

{
  "external_id": "BTX-54682731",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "P2P",
  "purpose": "REMITTANCES",
  "country": "BD",
  "amount": 7500.00,
  "currency": "BDT",
  "beneficiary": {
    "first_name": "Nasrin",
    "last_name": "Ahmed",
    "document": {
      "type": "ID",
      "id": "12345678912345678"
    },
    "phone": "8801712345678",
    "address": {
      "street": "House 12, Road 3, Banani",
      "city": "Dhaka",
      "number": "123",
      "state": "Barishal",
      "country": "BD",
      "postal_code": "0123498"
    },
    "bank_account": {
      "code": "60",
      "branch": "060261726",
      "account": "1073716040001",
      "type": "SAVINGS"
    }
  },
  "remitter": {
    "first_name": "Abdul",
    "last_name": "Rahman",
    "document": {
      "type": "PASS",
      "id": "A1234567"
    },
    "birth_info": {
      "date": "1982-06-15"
    },
    "address": {
      "street": "Av Paulista",
      "city": "Sao Paulo",
      "country": "BR",
      "number": "123",
      "state": "SP",
      "postal_code": "0123498"
    },
    "nationality": "BR"
  }
}

Wallet transfers

Wallet transfers enable real-time transfers using a mobile phone number linked to a wallet.

The beneficiary.instant_payment.id field must contain the wallet identifier (e.g., phone number), and beneficiary.instant_payment.type must indicate the wallet provider (e.g., BKASH, NAGAD).

Mandatory parameters

The table below outlines the required parameters for Wallet transfers.

Mandatory parameter	Description
`external_id`	Payout identification at the merchant's end. Maximum 100 characters.
`payment_method_id`	Payment method. For wallets, use `INSTANT_PAYMENT`.
`flow_type`	Payout flow type. Valid values: `B2C`, `B2B`, or `P2P`.
`purpose`	Payout purpose code. See purpose codes reference.
`country`	Country code. For Bangladesh, use `BD`.
`amount`	Payout amount in BDT. Use up to 2 decimal places.
`currency`	Source currency. Use `BDT` or `USD`.
`beneficiary.first_name`	Beneficiary’s first name. Maximum 50 characters.
`beneficiary.last_name`	Beneficiary’s last name. Maximum 50 characters.
`beneficiary.business_name`	Beneficiary's business name. Mandatory only for B2B.
`beneficiary.instant_payment.type`	Type of wallet being used: `BKASH`, `NAGAD`.
`beneficiary.instant_payment.id`	Beneficiary's wallet identifier, typically the phone number.
`beneficiary.document.type`	Beneficiary’s document type. Use `ID` for National ID.
`beneficiary.document.id`	Beneficiary’s document number (17 digits).
`remitter.first_name`	Remitter’s first name. Mandatory only for remittance (P2P).
`remitter.last_name`	Remitter’s last name. Mandatory only for remittance (P2P).
`remitter.document.type`	Remitter's document type. Valid values: `ID` (national identification number) or `PASS` (passport). Mandatory only for remittance (P2P).
`remitter.document.id`	Remitter’s identification number. Mandatory only for remittance (P2P).
`remitter.birth_info.date`	Remitter’s birth date in ISO 8601 format (`YYYY-MM-DD`). Mandatory only for remittance (P2P).
`remitter.address.street`	Remitter’s street address. Mandatory only for remittance (P2P).
`remitter.address.city`	Remitter’s city. Mandatory only for remittance (P2P).
`remitter.address.country`	Remitter’s country code in ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).
`remitter.nationality`	Remitter’s nationality in ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).

Example request

{
  "external_id": "IPX-78364512",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "country": "BD",
  "amount": 2500.00,
  "currency": "BDT",
  "beneficiary": {
    "first_name": "Farhana",
    "last_name": "Khan",
    "phone": "+8801531252231",
    "document": {
      "type": "ID",
      "id": "12345678912345678"
    },
    "address": {
      "street": "House 12, Road 3, Banani",
      "city": "Dhaka",
      "number": "123",
      "state": "Barishal",
      "country": "BD",
      "postal_code": "0123498"
    },
    "instant_payment": {
      "id": "+8801531252231",
      "type": "BKASH"
    }
  }
}

{
  "external_id": "68907654",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "P2P",
  "purpose": "REMITTANCES",
  "country": "BD",
  "amount": 1.00,
  "currency": "BDT",
  "beneficiary": {
    "first_name": "Farhana",
    "last_name": "Khan",
    "phone": "+8801531252231",
    "document": {
      "type": "ID",
      "id": "12345678912345678"
    },
    "address": {
      "street": "House 12, Road 3, Banani",
      "city": "Dhaka",
      "number": "123",
      "state": "Barishal",
      "country": "BD",
      "postal_code": "0123498"
    },
    "instant_payment": {
      "id": "+8801531252231",
      "type": "BKASH"
    }
  },
  "remitter": {
    "first_name": "Abdul",
    "last_name": "Rahman",
    "document": {
      "type": "PASS",
      "id": "A1234567"
    },
    "birth_info": {
      "date": "1982-06-15"
    },
    "address": {
      "street": "Av Paulista",
      "city": "Sao Paulo",
      "country": "BR",
      "number": "123",
      "state": "SP",
      "postal_code": "0123498"
    },
    "nationality": "BR"
  }
}

Bank information

Access the reference formats and accepted values required for processing bank payouts in Bangladesh.

Bank codes

These are the bank codes supported in Bangladesh.

Bank Name	Bank Code
AB Bank Ltd.	020
Agrani Bank Ltd.	010
Al-Arafah Islami Bank Ltd.	015
Basic Bank Ltd.	055
Bangladesh Bank	025
Bangladesh Commerce Bank Ltd.	030
Bangladesh Development Bank Ltd	047
Bangladesh Krishi Bank	035
Bangladesh Samabaya Bank Ltd.	040
Bank Al-Falah Ltd	065
Bank Asia Ltd.	070
Brac Bank Ltd.	060
Citi Bank N A	075
Commercial Bank Of Ceylon	080
Community Bank Bangladesh Ltd	310
Dhaka Bank Ltd.	085
Dutch-Bangla Bank Ltd	090
Eastern Bank Ltd.	095
Exim Bank Ltd.	100
First Security Islami Bank Ltd.	105
Habib Bank Ltd.	110
Hsbc	115
Icb Islamic Bank Ltd	230
Ific Bank Ltd.	120
Islami Bank Bangladesh Ltd.	125
Jamuna Bank Ltd.	130
Janata Bank Ltd.	135
Meghna Bank	275
Mercantile Bank Ltd.	140
Midland Bank Limited	285
Modhumoti Bank Limited	295
Mutual Trust Bank Ltd.	145
National Bank Ltd.	150
National Bank Of Pakistan	155
Ncc Bank Ltd.	160
Nrb Bank Limited	290
Nrb Commercial Bank Ltd.	260
Nrb Global Bank Limited	300
One Bank Ltd.	165
Prime Bank Ltd.	170
Pubali Bank Ltd.	175
Rajshahi Krishi Unnayan Bank	180
Rupali Bank Ltd.	185
Shahjalal Islami Bank Ltd.	190
Shimanto Bank Ltd.	305
Social Islami Bank Ltd	195
Sonali Bank Ltd.	200
South Bangla Agriculture And Commerce Bank	270
Southeast Bank Ltd.	205
Standard Bank Ltd.	210
Standard Chartered Bank	215
State Bank Of India	220
The City Bank Ltd.	225
The Farmers Bank Limited	280
The Premier Bank Ltd.	235
Trust Bank Ltd.	240
Union Bank Ltd.	265
United Commercial Bank Ltd.	245
Uttara Bank Ltd.	250
Woori Bank	255