What Is the BDT to INR Rate Today?

Stripe gives the highest INR on BDT 620,000 today among the platforms with full published pricing for BDT. The table ranks those platforms by INR received, then lists other platforms that accept BDT, which are never ranked. Fees were checked on 30 Sept 2026.

Bangladesh is an Asian Clearing Union member. Under Regulation 3(2)(I)(a)(ii), trade payments from Bangladesh go through the ACU mechanism or as RBI directs. ACU settlement uses the ACU Dollar, ACU Euro or ACU Yen, equal in value to the USD, EUR and JPY. When you are paid in ACU Dollars, the taka is converted on the buyer's side.

A rate history is not shown for BDT because the European Central Bank does not publish a BDT reference rate, and this page does not mix sources in one chart. The Bangladeshi taka is managed by Bangladesh Bank. According to the IMF 2025 Article IV report of January 2026, Bangladesh Bank introduced a crawling peg with a band in mid-May 2025, allowed freely quoted rates and committed to auction-based interventions. The IMF noted the bank used dollar purchases to hold the rate within a narrow range.

Each row applies the platform's published fee, FX markup and 18% GST on the fee to the mid-market rate of ₹0.7617 for 4 Nov 2026.

When a Bangladesh payment is settled in ACU Dollars, the taka does not reach your bank. The buyer's bank converts taka to ACU Dollars, and your AD bank converts those to rupees at its USD-INR margin. If a taka amount is converted, direct BDT-INR trading is thin and banks usually price it through the US dollar.

Say a bank converts BDT 620,000 at a TT buying rate 1.5% below the mid-market rate of ₹0.7617. It credits about ₹4,65,194 instead of ₹4,72,278, a difference of ₹7,084 before any fees. The 1.5% is an illustration, not a quote from any bank.

Search engines show the mid-market rate, the midpoint between buying and selling prices. A card rate is a bank's own rate for card transactions, and a TT buying rate is the rate a bank pays when it buys foreign currency received by wire. Both sit below the mid-market rate.

The Bangladeshi taka is managed by Bangladesh Bank. According to the IMF 2025 Article IV report of January 2026, Bangladesh Bank introduced a crawling peg with a band in mid-May 2025, allowed freely quoted rates and committed to auction-based interventions. The IMF noted the bank used dollar purchases to hold the rate within a narrow range.

• Exchange regime: Bangladesh Bank's crawling peg with a band, introduced in May 2025, sets how far the taka can move. The IMF reported in January 2026 that the bank had bought over US$2 billion since July 2025 and used these purchases to keep the rate in a narrow range.
• Interest rates: Bangladesh Bank raised its policy rate between September 2023 and October 2024, according to the IMF. Tighter policy supports the taka by curbing inflation.
• FX reserves: The IMF notes reserve buffers have yet to fully recover earlier losses. Reserve levels shape how much room Bangladesh Bank has to manage the rate.
• RBI action: On the rupee side, the USD-INR rate and RBI intervention move the BDT-INR cross, and they set the rupee value of ACU Dollar receipts.
• External financing: The IMF says donor and IMF financing helped reverse reserve losses, so the timing of these flows can affect the taka.

For payments from Bangladesh, timing mostly depends on USD-INR, when receipts arrive in ACU Dollars. Spot converts on the day of credit. A USD-INR forward can lock the rupee value of an ACU Dollar invoice. A limit order waits for a target rate. An EEFC account can hold the dollars briefly.

• Spot: Converts the ACU Dollar credit at the bank's USD-INR rate on the day it arrives.
• Forward: RBI's Master Direction on Risk Management and Inter-Bank Dealings lets AD banks offer forward contracts to hedge a contracted or anticipated exposure. The contract's amount and tenor cannot exceed those of the exposure. Exchange-traded rupee pairs under paragraph 3.2 do not include BDT, so ask your AD bank whether it quotes a BDT-INR forward at all. For ACU Dollar invoices, a USD-INR forward is the relevant hedge.
• Limit order: Some banks let you set a target USD-INR rate and convert automatically when it is reached. Ask whether this works for ACU receipts.
• EEFC holding: You can credit up to 100% of export earnings to an EEFC account and convert later. RBI requires each month's accruals to be converted to rupees by the last day of the following month, after approved uses or forward commitments. Ask your AD bank how it credits ACU Dollar receipts to an EEFC account.

• Invoice in ACU: Invoice Bangladesh buyers in ACU Dollars, the unit the ACU settlement circular sets equal to one US dollar, so you face one USD-INR conversion.
• Watch USD-INR: Since the taka leg sits with the buyer, track the USD-INR mid-market rate and compare it with your bank's rate on the day of credit.
• Ask for ACU routing: Ask your AD bank to confirm its ACU process and charges before you share bank details with the buyer.
• Hedge early: For large or recurring invoices, a USD-INR forward booked against the invoice fixes the rupee value before payment arrives.

Compare platforms side by side on the compare page, or check every currency on the currency convertor.

• Feed: ExchangeRate-API open access feed, published once a day. The page refreshes at most hourly.
• Markup: Markup is the gap between a platform's rate and the mid-market rate, taken from each platform's own published pricing. GST of 18% applies to fees where the platform says so.
• Stale data: If the feed fails, the page shows no rate and pauses the calculator rather than showing an old rate as current.
• Method: The full formula is on the methodology page.

Rates come from ExchangeRate-API open access feed, dated 4 Nov 2026. Platform pricing was checked on each platform's own pages on 30 Sept 2026 or later. Currency facts are linked to official sources below.

1. ExchangeRate-API open access feed (checked 4 Nov 2026)
2. IMF Country Report No. 26/24: Bangladesh 2025 Article IV Consultation (30 January 2026), Para 8: in mid-May 2025 BB introduced the new crawling peg with the band regime, allowed freely quoted rates and committed to auction-based FX interventions; since July 2025 BB has purchased over US$2 billion; BB used FX purchase operations to stabilize the exchange rate around a narrow price range; external and Fund financing supported the reversal of reserve losses; para 9: BB raised the policy rate between September 2023 and October 2024; foreign reserve buffers have yet to fully recover earlier losses (checked 8 Oct 2026)
3. Foreign Exchange Management (Manner of Receipt and Payment) Regulations, 2023 (FEMA 14(R)/2023-RB, as amended), Regulation 3(2)(I)(a)(ii): trade with ACU members other than Nepal and Bhutan through the ACU mechanism or as RBI directs; 3(2)(I)(a)(iii): other countries in Indian rupees or any foreign currency (checked 8 Oct 2026)
4. RBI A.P. (DIR Series) Circular No. 22, Settlement system under ACU Mechanism, 17 March 2020, Para 1: ACU monetary unit denominated as ACU Dollar, ACU Euro and ACU Yen, equal in value to one US dollar, one euro and one Japanese yen (checked 8 Oct 2026)
5. RBI Master Direction - Risk Management and Inter-Bank Dealings (updated as on 1 October 2026), Para 2.3(ii): deliverable INR derivatives for hedging only; para 2.4(i): notional and tenor within the exposure, USD 100 million contracted exposure without establishing it; para 2.4(ii): free cancel and rebook; para 3.2(ii): exchange-traded pairs USD-INR, EUR-INR, GBP-INR, JPY-INR, EUR-USD, GBP-USD, USD-JPY (checked 8 Oct 2026)
6. RBI Master Direction - Deposits and Accounts (updated as on 2 September 2026), Para 3.1(1): 100 percent of foreign exchange earnings may be credited to EEFC; para 3.1(4): non-interest bearing; para 3.1(6): a calendar month's accruals converted to rupees by the last day of the succeeding month after approved uses or forward commitments (checked 8 Oct 2026)