How long does a SWIFT transfer from Australia to Bangladesh take?

Last reviewed: · Curated by Ohmyfin Organisation editorial.

Australia has a growing Bangladeshi community — over 50,000 Bangladeshis and Bangladeshi-Australians — primarily in Sydney, Melbourne and Brisbane. AUD wires route from Australian banks via RITS to a USD correspondent, which forwards via SWIFT to Bangladeshi banks (Sonali Bank, Dutch-Bangla Bank, BRAC Bank, Islami Bank), settling via Bangladesh Bank RTGS. The AUD→USD→BDT conversion path means two FX stages. Australia lacks direct AUD–BDT correspondent relationships, so the USD intermediate step is standard. Bangladesh Bank requires documentation for inward remittances above BDT 50,000 equivalent. Bangladesh's bKash mobile money platform is integrated with many inward remittance flows from Australia. Track your UETR on Ohmyfin for live GPI status.

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Details

Settlement path: RITS → Bangladesh Bank RTGS (BEFTN). Currency pair: AUD → BDT.

The three most common causes of delay on this corridor are: (1) Bangladesh Bank FX documentation for inward remittances above BDT thresholds, (2) AUD-to-BDT conversion requiring USD intermediate step at Australian banks, and (3) Limited direct AUD–BDT correspondent relationships requiring multiple hops.

If the payment has not arrived within 5 business days, ask your sending bank to file an MT199 payment enquiry citing the UETR and the holding bank's BIC shown on the Ohmyfin GPI tracker.

Key facts

How to track a delayed transfer — step by step

  1. Get the UETR from your sending bank — Ask your bank for the MT103 payment confirmation. The UETR (Unique End-to-end Transaction Reference) is in field 121 — a 36-character UUID formatted as 8-4-4-4-12 hexadecimal characters.
  2. Track the payment on Ohmyfin — Paste the UETR into the free Ohmyfin tracker at ohmyfin.org. You will see which bank is currently holding the payment and its live SWIFT GPI status code (ACSP, ACWP, RJCT, etc.).
  3. Identify the holding bank and delay cause — On the Australia–Bangladesh corridor, the most common delay causes are: Bangladesh Bank FX documentation for inward remittances above BDT thresholds; AUD-to-BDT conversion requiring USD intermediate step at Australian banks; Limited direct AUD–BDT correspondent relationships requiring multiple hops. The GPI tracker shows exactly which bank last acknowledged the payment.
  4. Ask your bank to file an MT199 enquiry — If the payment has been static for more than 24 hours, ask your sending bank to send an MT199 payment investigation message quoting the UETR and the holding bank's BIC. SWIFT GPI service levels require banks to respond within one business day.

Frequently asked questions

How long does a SWIFT transfer from Australia to Bangladesh take?

Most SWIFT transfers on the Australia–Bangladesh corridor credit the beneficiary within 2 business days. In 95% of cases the payment arrives within 5 business days. The most common delay is bangladesh bank fx documentation for inward remittances above bdt thresholds.

What causes delays for Australia–Bangladesh payments?

The three most common delay causes are: Bangladesh Bank FX documentation for inward remittances above BDT thresholds; AUD-to-BDT conversion requiring USD intermediate step at Australian banks; Limited direct AUD–BDT correspondent relationships requiring multiple hops.

What should I do if my Australia–Bangladesh SWIFT transfer is late?

Track the UETR on Ohmyfin — the GPI status shows exactly which bank is holding the payment. If delayed beyond 5 business days, ask your sending bank to file an MT199 payment enquiry citing the UETR and the holding bank's BIC.

Which clearing system is used for Australia–Bangladesh payments?

The dominant settlement path is RITS → Bangladesh Bank RTGS (BEFTN). The currency pair is AUD → BDT.

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