How much is the Bangladesh remittance incentive?

2.5% of the taka amount for wage earners' remittances through legal channels, in force since 1 January 2022 and continued in the 2026–27 budget.

Who receives the remittance incentive?

The recipient in Bangladesh. The collecting bank adds it when it credits or pays the recipient.

Are documents needed to get the incentive?

No. Since 23 May 2022 Bangladesh Bank has not required any documents from the sender.

Bangladesh government remittance incentive

Money that Bangladeshi wage earners abroad send home through legal channels earns a cash incentive from the government of Bangladesh, paid in taka to the recipient. It comes on top of what the provider delivers, so it is not included in our comparison tables.

The rules in brief

How much: 2.5% of the taka amount. This rate has applied to remittances received since 1 January 2022; it was 2% from 1 July 2019. [source 1] [source 2]
Still in force?: Yes. The national budget speech for 2026–27 (11 June 2026) says the 2.5% cash incentive on remittances sent through legal channels will continue. [source 11]
Who receives it: The recipient in Bangladesh. The bank that collects the remittance converts it to taka and adds the incentive when it credits the recipient's account or pays them, including when it forwards the money by BEFTN, RTGS, NPSB or mobile financial services. [source 3]
Which money qualifies: Wage earners' remittances that arrive through foreign exchange houses or banks working under agreements with banks in Bangladesh. Separate circulars extend it to retirement benefits paid by an employer, compensation for Bangladeshis who died or were injured working abroad, and the overseas pay of Bangladeshi mariners, pilots and international-organisation staff. [source 3] [source 8] [source 9] [source 10]
Documents: None. Since 23 May 2022 the incentive is paid without any documents from the sender, until Bangladesh Bank instructs otherwise. [source 4]
How to spot it: The recipient's SMS or receipt must show the incentive separately. Since 1 February 2025 banks must also show the source currency, the conversion rate, the remittance paid and the incentive in taka. [source 3] [source 5]
Mobile wallets: A bank may credit a remittance straight to the recipient's mobile financial services account, up to Tk 2,50,000 per remittance not counting the incentive. [source 6]
Not eligible: Remittance money invested in Wage Earner Development Bonds, US Dollar Investment Bonds or US Dollar Premium Bonds. [source 7]

What it means for the amounts on ratebd

Our “You receive” column is what the provider delivers. If the transfer qualifies, the recipient's bank adds 2.5% of that taka amount.

Example from today's data: the most taka for £1,000 came from Xe, ৳163,926.20. A 2.5% incentive on that is ৳4,098.16, for ৳168,024.36 in total.

Whether a particular transfer qualifies depends on how it reaches Bangladesh. Several providers say on their own help pages that their transfers carry the incentive, but we have not verified each provider. Ask the provider or the recipient's bank, and check that the incentive appears on the recipient's SMS or receipt.

GBP → BDT · USD → BDT · EUR → BDT · AED → BDT · MYR → BDT · SGD → BDT

Announced changes, not yet in effect

On 13 October 2026 the state minister for expatriates' welfare said holders of the planned Probashi Card would receive a 3% incentive once the card is finalised and distributed. As of the date below there is no Bangladesh Bank circular or effective date. [source 12] [source 13]
The IMF's 2025 Article IV report (January 2026) recommended phasing the incentive out. The government kept it in the 2026–27 budget. [source 14] [source 11]

Questions

How much is the Bangladesh remittance incentive?: 2.5% of the taka amount for wage earners' remittances through legal channels, in force since 1 January 2022 and continued in the 2026–27 budget.
Who receives the remittance incentive?: The recipient in Bangladesh. The collecting bank adds it when it credits or pays the recipient.
Are documents needed to get the incentive?: No. Since 23 May 2022 Bangladesh Bank has not required any documents from the sender.

Sources

Facts checked against these sources on 17 Oct 2026. Bangladesh Bank circulars are the authority; rules can change.