Brac Bank Routing Numbers
What Is a BRAC Bank Routing Number?
A BRAC Bank routing number is a 9-digit code that identifies the exact branch where a BRAC Bank account is held within Bangladesh's payment network. Every domestic transfer processed through BEFTN, NPSB, or RTGS uses this code to route funds to the correct BRAC Bank branch automatically.
The 9 digits encode 3 distinct pieces of information:
- Bank code (first 3 digits): Always 060 for every BRAC Bank branch in Bangladesh
- District code (next 2 digits): Identifies the district where the branch operates, such as 26 for Dhaka or 15 for Chattogram
- Branch code (final 4 digits): identifies the specific branch within that district
BRAC Bank operates 187 branches across 56 districts in Bangladesh. The bank designates a significant portion of its network as SME branches, which carry their own unique routing numbers distinct from full-service branches in the same district.
How to Use Your BRAC Bank Routing Number
How a BRAC Bank routing number is used depends on 3 transfer types, each with different requirements.
BEFTN and NPSB (local transfers)
To send via BEFTN or NPSB, log into your bank's internet banking, select Fund Transfer, choose Other Bank, and enter 2 pieces of information:
- The recipient's 9-digit BRAC Bank routing number
- The recipient's BRAC Bank account number
No SWIFT code is needed for either system. NPSB settles near-instantly within Bangladesh Bank processing hours. BEFTN settles on the next business day.
RTGS (high-value local transfers)
RTGS requires the routing number plus the recipient branch's SWIFT code. BRAC Bank's base SWIFT code is BRAKBDDH, with a branch-specific suffix. Confirm the full suffix directly with the recipient branch before sending. RTGS payments are irrevocable once processed. Bangladesh Bank regulations place full liability for instruction errors on the sender, with no reversal mechanism available regardless of the error amount.
Receiving money from abroad with BRAC Bank Account
To receive an international wire transfer into a BRAC Bank account, provide the sender with 4 pieces of information:
- Bank name: BRAC Bank PLC
- SWIFT/BIC code: BRAKBDDH (plus branch suffix, confirm with your branch)
- Your 9-digit branch routing number
- Your full account number and registered account name
BRAC Bank converts incoming foreign currency to BDT at the rate applied at the moment the funds clear.
How to Verify Your BRAC Bank Routing Number Before Sending
4 methods confirm a BRAC Bank routing number before any transfer:
- Cheque leaf: the 9-digit routing number is printed along the bottom of every BRAC Bank cheque, directly below the account number
- BRAC Bank internet banking: log into internet banking, navigate to Account Details, and the routing number appears alongside your branch name
- Branch phone call: Call your specific BRAC Bank branch directly and ask: "What is the routing number for this branch?"
- Bangladesh Bank official directory: Bangladesh Bank publishes a complete routing number registry at bangladeshbank.org.bd, updated when new branches are added
Cross-referencing at least 2 sources before an RTGS transfer eliminates the liability risk from instruction errors.
Frequently Asked Questions
Is the routing number on my BRAC Bank cheque?
Yes. Every BRAC Bank cheque has the 9-digit routing number printed along the bottom-left of the cheque leaf. It appears as a string of digits beginning with 060. The routing number sits to the left of the account number and the cheque serial number on the MICR line at the bottom of every cheque page.
How do I find my BRAC Bank routing number without a cheque?
3 methods work without a cheque. Log into BRAC Bank internet banking and navigate to Account Details where the routing number appears next to your branch name. Alternatively, call your specific BRAC Bank branch directly and ask for the branch routing number. The third option is to look up your branch in the Bangladesh Bank official routing directory at bangladeshbank.org.bd.
Does every BRAC Bank branch have a different routing number?
Yes. Every BRAC Bank branch, including SME branches, carries its own unique 9-digit routing number. 2 branches in the same district share the same bank code (060) and the same district code, but differ in their final 4 digit e.g Using a Gulshan branch routing number to send funds to a Motijheel branch account will route the transfer to the wrong branch. Confirm the specific branch routing number before every transfer.
What is BRAC Bank's SWIFT code?
BRAC Bank's base SWIFT code is BRAKBDDH. Each branch carries an additional 3-character suffix that identifies the specific branch within the SWIFT network. The full branch SWIFT code is required for RTGS transfers and inward international wires. Confirm the full suffix for your specific branch by calling the branch directly or checking BRAC Bank's official website.
Can I use a BRAC Bank routing number to receive money from abroad?
A BRAC Bank routing number alone is not sufficient for receiving international transfers. International senders wire through the SWIFT network using BRAC Bank's SWIFT code (BRAKBDDH plus branch suffix) and your account number. The routing number identifies your branch within Bangladesh's domestic payment rails, not within the international SWIFT network. Provide senders with your full account number, branch name, and SWIFT code for international transfers.
What is the difference between a routing number and an account number?
A BRAC Bank routing number identifies the branch. A BRAC Bank account number identifies the individual account within that branch. Both are required for domestic transfers. 2 accounts at the same BRAC Bank branch share the same routing number but have different account numbers. An account number without a routing number tells the payment system which account to credit but not which branch to route funds through.
What happens if I send money to the wrong BRAC Bank routing number?
Funds sent to the wrong routing number route to the wrong branch. For BEFTN and NPSB transfers, the receiving branch may reject the transaction if the account number does not exist within that branch, in which case funds return to the sender within the settlement period. For RTGS transfers, the outcome is more serious. RTGS payments are irrevocable once processed. Bangladesh Bank regulations place full liability for instruction errors on the sender. The customer, not the bank, bears responsibility for verifying routing numbers before submitting any RTGS instruction.
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The information in this article is provided for general informational and educational purposes only and does not constitute financial, legal, or tax advice from nsave or any of its affiliates. It is not a substitute for advice from a qualified financial adviser. We make no representations or warranties, whether expressed or implied, that the content is accurate, complete, or up to date.
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