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

Thailand hosts several tens of thousands of Bangladeshi workers, primarily in the fishing and seafood processing industries. THB payments route from Thai banks (Bangkok Bank, SCB Thailand) via BAHTNET and SWIFT, typically through a Singapore or Hong Kong hub bank, to a Bangladeshi bank. THB is converted to BDT via USD. Bangladesh Bank requires NID-based KYC and AML registration. The Bank of Thailand applies AML controls. The corridor has less direct correspondent coverage than Gulf–Bangladesh lanes, adding routing complexity. Both governments have bilateral migrant-worker agreements that support the formal remittance channel. Track your UETR on Ohmyfin.

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36-character UUID from your MT103 field 121 or pacs.008 <UETR> tag. Where to find it →

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Settlement path: BAHTNET → Bangladesh Bank RTGS / BEFTN via correspondent. Currency pair: THB → BDT.

The three most common causes of delay on this corridor are: (1) Bangladesh Bank NID verification and FX documentation for inward remittances, (2) THB-to-BDT conversion via USD intermediate step at the correspondent, and (3) Limited direct Thai–Bangladeshi correspondent links requiring a Singapore or Hong Kong hub.

If the payment has not arrived within 4 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

Typical settlement: 2 business days
95th-percentile: 4 business days
Currency pair: THB → BDT
Settlement system: BAHTNET → Bangladesh Bank RTGS / BEFTN via correspondent
Top delay cause: Bangladesh Bank NID verification and FX documentation for inward remittances

How to track a delayed transfer — step by step

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.
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.).
Identify the holding bank and delay cause — On the Thailand–Bangladesh corridor, the most common delay causes are: Bangladesh Bank NID verification and FX documentation for inward remittances; THB-to-BDT conversion via USD intermediate step at the correspondent; Limited direct Thai–Bangladeshi correspondent links requiring a Singapore or Hong Kong hub. The GPI tracker shows exactly which bank last acknowledged the payment.
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 Thailand to Bangladesh take?

Most SWIFT transfers on the Thailand–Bangladesh corridor credit the beneficiary within 2 business days. In 95% of cases the payment arrives within 4 business days. The most common delay is bangladesh bank nid verification and fx documentation for inward remittances.

What causes delays for Thailand–Bangladesh payments?

The three most common delay causes are: Bangladesh Bank NID verification and FX documentation for inward remittances; THB-to-BDT conversion via USD intermediate step at the correspondent; Limited direct Thai–Bangladeshi correspondent links requiring a Singapore or Hong Kong hub.

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

Track the UETR on Ohmyfin — the GPI status shows exactly which bank is holding the payment. If delayed beyond 4 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 Thailand–Bangladesh payments?

The dominant settlement path is BAHTNET → Bangladesh Bank RTGS / BEFTN via correspondent. The currency pair is THB → BDT.

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

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Frequently asked questions

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