Bangladesh Bank
বাংলা      

To facilitate safe, secured and efficient interbank payment system, Bangladesh Bank launched Real Time Gross Settlement (BD-RTGS) system on 29th October 2015 as part of its inclusive digitalization initiative. BD-RTGS opened a new horizon in the payment ecosystem, accommodating instant settlement of large value and time critical payments in the country. RTGS is an electronic settlement system where transfer of funds takes place from one account of a bank to that of another bank on a real-time and on gross basis. Real-time refers transactions that do not need any waiting period. Transactions are settled as soon as they are executed. Needless to say that minimum limit of a transaction is BDT 1, 00,000 whereas there is no limit in case of government payment and inland foreign currency transaction.

Currently, RTGS system is operating only in local currency inside the country. Domestic foreign currency transaction among scheduled commercial banks has inaugurated on 04th September’2022. Replacing paper based transaction system; RTGS system is becoming more popular day by day. It is worthwhile to mention that more than 11,250 online branches of 60 scheduled commercial banks and 16 Non Bank Financial Institutes are currently connected to this system. NBFIs are conducting FI to FI, FI to bank and bank to FI transactions. BD-RTGS System conducted its DR (Disaster Recovery) drill operation for two times on 4th April 2021 to 8th April and 20th February 2022 from Near Data Centre (NDC) which is situated at Bangladesh Bank Training Academy (BBTA).

Month wise transaction number and volume graph (October 2021-September 2022):
Month Number of Transaction Amount in Crore (BDT)
September, 2022687418443791
August, 2022698465502839
July, 2022623010434694
June, 2022735860561782
May, 2022571097397982
April, 2022618482420669
March, 2022654286379272
February, 2022543730355183
January, 2022578766315990
December, 2021527091272692
November, 2021515534277563
October, 2021466314251919