Short answer
When you send money to Bangladesh through a bank or a licensed service like Remitly, the government adds 2.5% on top of the converted amount. So 10,000 taka converted becomes 10,250 taka when it arrives. Money sent through informal hundi gets nothing extra.
If you work in Romania or elsewhere in Europe and send money home, there's a bonus you should count on: Bangladesh's government remittance incentive.
What the incentive is
Bangladesh adds 2.5% to money sent home through legal channels: a bank, or a licensed money transfer service like Remitly or Western Union. It's added to the taka your family receives, and you don't have to apply for it.
Money sent through informal hundi doesn't get it. For larger amounts, the bank in Bangladesh may ask for some documents before paying the incentive.
Working it out
There are two steps:
- Convert what you send to taka at the exchange rate.
- Add 2.5% on top.
For example, sending 500 RON at a rate of 25.88 taka per leu:
- 500 x 25.88 = 12,940 TK converted
- 2.5% incentive = 323.50 TK
- Arrives in Bangladesh: 13,263.50 TK
Working backwards is trickier. If your family needs exactly 10,000 TK, you divide by 1.025 first: you only need to send enough for about 9,756 TK, because the incentive adds the rest.
Let the calculator do it
My currency converter does both directions for Romanian leu and euro, with today's rate filled in. Type what you'll send, or what should arrive, and it shows the converted amount, the incentive and the total.
Before you pay, check the rate your bank or app gives you, since it can be a little different from today's market rate. You can type it into the calculator instead.