Detailed Guide: Using NATIONAL CREDIT AND COMMERCE BANK PLC SWIFT Code for Global Transfers
When dealing with international finance, precision is paramount. The NCCLBDDHLDB Business Identifier Code (BIC) is the exclusive digital signature for NATIONAL CREDIT AND COMMERCE BANK PLC located in SYLHET. Without this precise string of characters, your international wire transfer could be delayed, routed to the wrong intermediary, or returned with significant banking fees.
1. Understanding the 11-Character Logic
The code NCCLBDDHLDB is not a random sequence. It follows a strict ISO-9362
hierarchy that tells the global financial system exactly where your money needs to land:
- NCCL: The Bank Code representing NATIONAL CREDIT AND COMMERCE BANK PLC globally.
- BD: The Country Code, identifying that the bank is regulated under Bangladesh laws.
- DH: The Location Code, usually pointing to the SYLHET hub.
- LDB: The Branch Code, specifying this exact physical office.
2. How to Receive Money in SYLHET
If you are a resident or business owner in SYLHET, you must provide the following information to your international sender. For transactions involving NATIONAL CREDIT AND COMMERCE BANK PLC, ensure these fields are filled accurately in the MT103 (SWIFT Message Type):
| Field Name | Required Value |
|---|---|
| Beneficiary Name | Your Full Legal Name |
| Account Number | IBAN or Regional Account Format |
| BIC/SWIFT | NCCLBDDHLDB |
| Destination Bank | NATIONAL CREDIT AND COMMERCE BANK PLC |
| Branch Location | SYLHET, Bangladesh |
3. Potential Fees & Intermediary Banking
It is important to note that a transfer to NATIONAL CREDIT AND COMMERCE BANK PLC might not be direct. Depending on the relationship between your sender's bank and the BD banking system, an "Intermediary Bank" might be involved. These banks may deduct a "Handling Fee" ranging from $15 to $50. Always ask your sender to choose the OUR instruction if they wish to cover all costs, or SHA to share the fees with you.
4. Frequently Asked Questions (Verified Answers)
What happens if I use the Head Office SWIFT instead of the SYLHET branch code?
In most cases, NATIONAL CREDIT AND COMMERCE BANK PLC will
automatically route the funds to your account based on your Account Number/IBAN. However,
using the local NCCLBDDHLDB is recommended for faster processing
and lower risk of manual intervention.
Is NCCLBDDHLDB the same as a Routing Number?
No. Routing numbers are primarily used for domestic transfers within the USA. For international transfers to Bangladesh, the SWIFT code is the standard identifier used by the global banking network.
How can I verify if this code is still active?
The code NCCLBDDHLDB for
NATIONAL CREDIT AND COMMERCE BANK PLC is part of the latest directory update. We
periodically refresh our database to ensure all codes for SYLHET are compliant
with current financial standards.
Note: Financial data changes. While NCCLBDDHLDB is
verified for NATIONAL CREDIT AND COMMERCE BANK PLC, always perform a small test transfer for high-value
transactions. This resource is for educational purposes regarding the banking infrastructure in
SYLHET, Bangladesh.