As part of inclusive digitalization initiative, Bangladesh Bank launched the Real Time Gross Settlement (BD-RTGS) System on 29 October 2015 to facilitate a safe, secure, and efficient interbank payment and settlement mechanism. The introduction of BD-RTGS marked a significant milestone in the country’s payment ecosystem by enabling the real-time settlement of large-value and time-critical transactions.
BD-RTGS is an electronic settlement system that facilitates the transfer of funds from one account of a bank or financial institution to another on a real-time and gross basis. Here, real-time means that transactions are settled individually and immediately upon execution, without any waiting or batching period. Initially, the BD-RTGS System was available only to commercial banks. Subsequently, 19 finance companies were also connected to the system through the EDS Money platform, thereby expanding participation among financial institutions.
It is worth mentioning that, in addition to customer transactions, the BD-RTGS System facilitates a wide range of transactions, including financial institution transactions, inland foreign currency transactions, money market transactions, and various important government payments, such as port fees and customs duty payments. The minimum transaction amount through BD-RTGS is BDT 100,000. However, there is no minimum transaction limit for government payments and inland foreign currency transactions.BD-RTGS also enables customers to obtain loans from financial institutions, including finance companies, through the system and subsequently repay such loans from their bank accounts directly to the respective financial institutions through BD-RTGS. Thus, the system plays a vital role in facilitating secure, efficient, and timely fund transfers across different segments of the financial sector.
Replacing paper based transaction system; RTGS system is becoming more popular day by day. From October 2025, customers can make RTGS transactions using the online system for one hour in addition to the scheduled banking transaction hours. The person sending the transaction in the RTGS system can confirm the availability of his sent transaction through the Customer Credit Confirmation Message from home. During the period January '26 to June '26, 62,29,431 transactions worth Tk 30,02,857 crore in local currency and 4,13,363 transactions worth US$ 17,009.38 million in foreign currency were settled. Mentionable that more than 11,231 online branches of 60 scheduled commercial banks and 19 Non-Bank Financial Institutes are currently connected to this system. An in-depth realization is that, RTGS system may bring about an immense change in the financial sector and set up an epoch-making example in the arena of Bangladesh economy.
Trend of overall transactions through RTGS system is as follows:
| Month | BDT | USD | ||
|---|---|---|---|---|
| Number of Transaction | Amount(Cr) | Number of Transaction | Amount(Million) | |
| July, 2026 | 1078254 | 507932 | 73178 | 3061.94 |
| June, 2026 | 1172093 | 578094 | 69558 | 3123.84 |
| May, 2026 | 1025267 | 492854 | 65125 | 2728.54 |
| April, 2026 | 1048824 | 513899 | 74383 | 2972.08 |
| March, 2026 | 981930 | 517678 | 68037 | 2746.52 |
| February, 2026 | 932137 | 426425 | 64217 | 2441.31 |
| January, 2026 | 1069180 | 473907 | 72043 | 2997.09 |
Month wise transaction (BDT) number and volume graph (Jan 2026- July 2026):
Month wise transaction (USD) number graph (Jan 2026- July 2026) is :
