IFIC Bank Routing Numbers: All Branch Codes Bangladesh

How an IFIC Bank routing number is used depends on 3 transfer types, each with different requirements.

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 IFIC Bank routing number
• The recipient's IFIC 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 requires the routing number plus the recipient branch's SWIFT code. IFIC Bank's base SWIFT code is IFICBDDH, 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.

To receive an international wire transfer into an IFIC Bank account, provide the sender with 4 pieces of information:

• Bank name: IFIC Bank Limited
• SWIFT/BIC code: IFICBDDH (plus branch suffix, confirm with your branch)
• Your 9-digit branch routing number
• Your full account number and registered account name

IFIC Bank converts incoming foreign currency to BDT at the rate applied at the moment the funds clear.

4 methods confirm an IFIC Bank routing number before any transfer:

• Cheque leaf: the 9-digit routing number is printed along the bottom of every IFIC Bank cheque, directly below the account number
• IFIC 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 IFIC 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.

Yes. Every IFIC 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 120. 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.

3 methods work without a cheque. Log into IFIC Bank internet banking and navigate to Account Details where the routing number appears next to your branch name. Alternatively, call your specific IFIC 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.

Yes. Every IFIC Bank branch carries its own unique 9-digit routing number. 2 branches in the same district share the same bank code (120) and the same district code, but differ in their final 4 digits. 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.

IFIC Bank's base SWIFT code is IFICBDDH. 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 IFIC Bank's official website.

An IFIC Bank routing number alone is not sufficient for receiving international transfers. International senders wire through the SWIFT network using IFIC Bank's SWIFT code (IFICBDDH 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.

An IFIC Bank routing number identifies the branch. An IFIC Bank account number identifies the individual account within that branch. Both are required for domestic transfers. 2 accounts at the same IFIC 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.

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.

Fees, exchange rates, incentives, and product availability may change and can vary by user and jurisdiction. Examples are illustrative only. Before making any financial decisions, seek advice from a qualified financial adviser who can assess your individual circumstances and objectives.

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