How to send money to Bangladesh in 2026: to family with a 2.5% bonus, to an account and to a mobile wallet
In 2026 money goes to Bangladesh by bank transfer to the recipient's account: taka at the bank's rate arrive in 1-3 business days, and to a mobile wallet by phone number in a few minutes. The state adds 2.5% for the family to every transfer from abroad. The bank checks the name, the account or wallet number and the purpose.
In short
- 2.5% is added to a transfer from abroad.
- To a mobile wallet by phone number in minutes.
- The taka rate is set by the market, about 123 per dollar.
- Since 20 May 2026 money from selling securities goes straight to a taka account.
In detail
Bangladesh in 2026: a bank, a mobile wallet and an investor account
Routes checked on 8 October 2026, taka converted at 123 per US dollar. Since May 2025 the taka rate has been set by the market; on 30 June 2026 the central bank, keeping its policy rate at 10%, confirmed this approach, and over the year to March 2026 the rate against the dollar moved by only 0.59%. In August the interbank rate reached 123.81, and in October it holds at about 123.
| Route | Now | Currency credited | Time | What you need |
|---|---|---|---|---|
| Bank transfer to a taka account | works | taka at the bank's rate | 1-3 business days | the account number, the bank's international code, the recipient's name |
| Transfer to a mobile wallet by phone number | works | taka | from a few minutes | a phone number with a wallet in the recipient's name |
| An investor's foreign currency account and a taka account for securities | works | US dollars, exchanged into taka to buy securities | 1-3 business days | both accounts at one bank with a foreign exchange licence |
| Money transfer service | works | taka | from a few minutes | the recipient's ID document |
Is the sender's bank asking who the money to Dhaka is for and why? There are usually more options than it seems: write to a manager, and they will choose a route for the amount and timing, and for a transfer to family one where the 2.5% bonus is paid.
The 2.5% bonus on a transfer: how the family gets it
The state pays an extra 2.5% on top of every transfer from abroad if the money came through a bank, a transfer service or a mobile wallet. The sender does not need to fill in anything: the recipient's bank adds the bonus. It was kept in the budget for the 2026/27 financial year.
Example: $500 at a rate of 123 is 61,500 taka plus 1,540 taka of bonus, 63,040 taka in total. In March 2026, $3.75 billion came into the country through banks and transfer services, more than in any other month, and the central bank's reserves stood at $31.6 billion on 30 July 2026.
For a recipient in a village a mobile wallet is often more convenient than an account: the money is visible at once, it pays for school and electricity, and the 2.5% bonus arrives in the wallet just as it does in a bank account. The wallet number is the phone number, so the sender only needs to know the recipient's phone and name.
Investing in Bangladesh: a foreign currency account and a taka account for securities
A foreign investor needs 2 accounts at one bank with a foreign exchange licence for securities. Transfers come into and go out of the foreign currency account, and on the taka account the currency is exchanged and shares and bonds are bought on the exchange.
Since 20 May 2026, under a new central bank directive, the bank credits money from selling securities straight to the taka account and itself withholds the tax on the gain before the transfer abroad. Previously each deal needed an auditor's certificate; now it is not requested. Dividends after tax are also transferred back. The securities themselves are held in the owner's account at the central depository, opened through a broker at the same time as the bank accounts.
So that money from selling securities and dividends later come back without delays, we will suggest the best way to send the investment and which accounts to open in advance.
How many papers you need for each transfer amount to Bangladesh
- Up to $10,000. The bank checks the name, the account or wallet number and the purpose: family support, study, medical treatment, home repairs.
- $10,000-100,000. A statement of the sender's account and a contract are needed: a lease, a study agreement, a supply contract.
- From $100,000. The bank looks at the source of the capital and the investment documents, and for securities the investor accounts already opened. For such an amount a manager will help prepare the papers before sending.
How to confirm the source of the money is described in the article on proof of source of funds, and the plan for moving all your capital on the capital relocation page.
Sending money to neighbouring countries
- How to send money to India: the neighbouring country with a shared border and trade
- How to send money to Myanmar: at the market rate through a bank
- How to send money to Saudi Arabia: construction and contracts in the Gulf
- How to send money to Bhutan: the ngultrum equals the Indian rupee
- How to send money to Qatar: contract work
- How to send money to Nepal: to family and for the period of a visa
For a move with capital, the capital relocation page will help.
FAQ
How much is added to a transfer to Bangladesh?
Can I send money to a mobile wallet in Bangladesh?
Which accounts are needed to invest in Bangladeshi securities?
Can money from selling shares be sent back out of Bangladesh?
We will suggest the best way to send your money
We will choose a transfer method for your amount and country, prepare the documents on the origin of the money for the bank, make the transfer through licensed partners and follow it until the money is credited. Ask your question in the chat - the manager will suggest the best terms and the cost. The legal side with banks and government bodies is handled by Murblz specialists and locally licensed partners.
Details and cost are with the manager in the chat. Describe your situation and we will reply right away.
Check transfer termsHow we handle a transfer: 4 stages → · Country rules checked