Best companies for AUD/BDT transfers
8 of 8 providers Last updated on 28 October 2026
Based on 2,000 AUD transfer Best companies for AUD/BDT transfers Sort Cheapest
Ad Wise Pay via Bank Transfer	Fees: $16.90 1 AUD = 87.2134 BDT +0.20% vs mid-market	Recipient gets Tk 172,952.89 Same day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Bangladesh with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $16.901 AUD = 87.2134 BDT Tk 172,952.89You pay$2,000.00
Ad Xe Pay via Debit Card	Fees: $0.00 1 AUD = 86.5612 BDT +0.95% vs mid-market	Recipient gets Tk 173,122.40 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Bangladesh with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 86.5612 BDT Tk 173,122.40You pay$2,000.00
Run a live search Showing top Australia to Bangladesh deals for 2,000 AUD. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live AUD to BDT rates.
Run a live search These companies offer multi-currency accounts for spending BDT. We suggest doing a live search based on how much AUD you're planning to spend in Bangladesh.
Run a live search These are managed services with real human support for large AUD transfers. Click the link and update the transfer amount to get the best deal.
Remitly Pay via PayTo	Fees: $0.00 1 AUD = 87.1600 BDT +0.26% vs mid-market	Recipient gets Tk 174,320.00 Within a week
15 reviews Cheapest Receive to bank account or cash pickup
Ways to receive money in Bangladesh with Remitly when paying by payto. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 AUD = 87.1600 BDT Tk 174,320.00You pay$2,000.00
Western Union Pay via Debit Card	Fees: $0.00 1 AUD = 86.8852 BDT +0.58% vs mid-market	Recipient gets Tk 173,771.00 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in Bangladesh with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 86.8852 BDT Tk 173,771.00You pay$2,000.00

Western Union Pay via Bank Transfer	Fees: $0.00 1 AUD = 86.8852 BDT +0.58% vs mid-market	Recipient gets Tk 173,771.00 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in Bangladesh with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 86.8852 BDT Tk 173,771.00You pay$2,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank Transfer	Fees: $3.00 1 AUD = 86.7405 BDT +0.74% vs mid-market	Recipient gets Tk 173,220.85 Same day
10 reviews Receive to bank account
Ways to receive money in Bangladesh with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame day $3.001 AUD = 86.7405 BDT Tk 173,220.85You pay$2,000.00
US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US / for details.
Xe Pay via Debit Card	Fees: $0.00 1 AUD = 86.5612 BDT +0.95% vs mid-market	Recipient gets Tk 173,122.40 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Bangladesh with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 86.5612 BDT Tk 173,122.40You pay$2,000.00

Xe Pay via Bank Transfer	Fees: $0.00 1 AUD = 86.5612 BDT +0.95% vs mid-market	Recipient gets Tk 173,122.40 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Bangladesh with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 86.5612 BDT Tk 173,122.40You pay$2,000.00
Xe Pay via Credit Card	Fees: $0.00 1 AUD = 86.5612 BDT +0.95% vs mid-market	Recipient gets Tk 173,122.40 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Bangladesh with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 86.5612 BDT Tk 173,122.40You pay$2,000.00
$0 fee on first online transfers MoneyGram Pay via Debit Card	Fees: $2.99 1 AUD = 86.5164 BDT +1.00% vs mid-market	Recipient gets Tk 173,032.80 6-12 Hours
2 reviews
Ways to receive money in Bangladesh with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 86.5164 BDT Tk 173,032.80You pay$2,002.99 Mobile money6-12 HoursAvailable via:bKash $1.991 AUD = 86.2984 BDT Tk 172,596.80You pay$2,001.99 Cash pickup6-12 Hours $3.991 AUD = 85.5290 BDT Tk 171,058.00You pay$2,003.99

$0 fee on first online transfers MoneyGram Pay via POLi	Fees: $2.99 1 AUD = 86.5164 BDT +1.00% vs mid-market	Recipient gets Tk 173,032.80 6-12 Hours
2 reviews
Ways to receive money in Bangladesh with MoneyGram when paying by poli. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 86.5164 BDT Tk 173,032.80You pay$2,002.99 Mobile money6-12 HoursAvailable via:bKash $1.991 AUD = 86.2984 BDT Tk 172,596.80You pay$2,001.99 Cash pickup6-12 Hours $3.991 AUD = 85.5290 BDT Tk 171,058.00You pay$2,003.99
$0 fee on first online transfers MoneyGram Pay via Credit Card	Fees: $2.99 1 AUD = 86.5164 BDT +1.00% vs mid-market	Recipient gets Tk 173,032.80 6-12 Hours
2 reviews
Ways to receive money in Bangladesh with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 HoursAvailable via:All Banks $2.991 AUD = 86.5164 BDT Tk 173,032.80You pay$2,002.99 Mobile money6-12 HoursAvailable via:bKash $1.991 AUD = 86.2984 BDT Tk 172,596.80You pay$2,001.99 Cash pickup6-12 Hours $3.991 AUD = 85.5290 BDT Tk 171,058.00You pay$2,003.99
Wise Pay via Bank Transfer	Fees: $16.90 1 AUD = 87.2134 BDT +0.20% vs mid-market	Recipient gets Tk 172,952.89 Same day
25 reviews Recommended Receive to bank accountDedicated support for large transfers
Ways to receive money in Bangladesh with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $16.901 AUD = 87.2134 BDT Tk 172,952.89You pay$2,000.00

Wise Pay via Osko	Fees: $16.90 1 AUD = 87.2134 BDT +0.20% vs mid-market	Recipient gets Tk 172,952.89 Same day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Bangladesh with Wise when paying by osko. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $16.901 AUD = 87.2134 BDT Tk 172,952.89You pay$2,000.00
Remitly Pay via Debit Card	Fees: $0.00 1 AUD = 86.4100 BDT +1.13% vs mid-market	Recipient gets Tk 172,820.00 Within minutes
15 reviews Receive to bank account or cash pickup
Ways to receive money in Bangladesh with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 AUD = 86.4100 BDT Tk 172,820.00You pay$2,000.00

Remitly Pay via Credit Card	Fees: $0.00 1 AUD = 86.4100 BDT +1.13% vs mid-market	Recipient gets Tk 172,820.00 Within minutes
15 reviews Receive to bank account or cash pickup
Ways to receive money in Bangladesh with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 AUD = 86.4100 BDT Tk 172,820.00You pay$2,000.00
Wise Pay via Debit Card	Fees: $22.41 1 AUD = 87.2134 BDT +0.20% vs mid-market	Recipient gets Tk 172,472.35 Same day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Bangladesh with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $22.411 AUD = 87.2134 BDT Tk 172,472.35You pay$2,000.00
TapTap Send Pay via Debit Card	Fees: $0.00 1 AUD = 86.1000 BDT +1.49% vs mid-market	Recipient gets Tk 172,200.00 Minutes
0 reviews Fastest Receive to bank account
Ways to receive money in Bangladesh with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 AUD = 86.1000 BDT Tk 172,200.00You pay$2,000.00 Cash pickupMinutesAvailable via:BRAC Cash Pickup Free1 AUD = 86.1000 BDT Tk 172,200.00You pay$2,000.00 Mobile moneyMinutesAvailable via:Nagad, Rocket, bKash Free1 AUD = 86.1000 BDT Tk 172,200.00You pay$2,000.00
Wise Pay via Credit Card	Fees: $35.83 1 AUD = 87.2134 BDT +0.20% vs mid-market	Recipient gets Tk 171,301.94 Same day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Bangladesh with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $35.831 AUD = 87.2134 BDT Tk 171,301.94You pay$2,000.00
NAB Pay via Bank Transfer	Fees: $0.00 1 AUD = 82.5968 BDT +5.64% vs mid-market	Recipient gets Tk 165,193.54 3-5 Days
0 reviews
Ways to receive money in Bangladesh with NAB when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit3-5 Days Free1 AUD = 82.5968 BDT Tk 165,193.54You pay$2,000.00
How Our Results Work Mid-market rate: 1 AUD = 87.3887 BDT Updates every 60 minutes.

Why compare

AUD/BDT exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Australia to Bangladesh

Pick a company

Start with the cheapest, which is Remitly at 174,320 BDT on A$2,000.

Remitly was the cheapest on 14 of the 28 days it quoted A$2,000 transfers to Bangladesh.

Funding is quick whoever you pick, so the choice comes down to the rate and how your recipient collects it.

Fund your transfer

You have 6 ways to pay, including debit card, bank transfer, credit card, payto, poli, and osko.

PayID and Osko move money to the company in seconds at no cost, and PayID shows you the account name before you confirm.

Watch your bank's daily limit on anything large.

Verify and send

First time round you'll need a photo ID, usually a licence or a passport.

A passport and visa are enough if you’re new (you don’t need an Australian credit history).

Compare amounts

How much AUD are you sending to Bangladesh?

How much AUD you send to Bangladesh heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Remitly was the cheapest in 49% of the transfers up to A$2,000 it quoted, and in 53% of all the transfers it quoted.


$1,000	-0.28%	$0.00	Tk 87,670.00with payto to bank deposit	+Tk 1,520.39
$1,500		$0.00	Tk 130,852.00with debit card to bank deposit	+Tk 1,366.75
$2,000This page	0.26%	$0.00	Tk 174,320.00with payto to bank deposit	+Tk 1,749.89
$3,000	0.57%	$0.00	Tk 260,730.00with payto to bank deposit	+Tk 1,904.59
$7,500	0.57%	$0.00	Tk 651,639.00with debit card to bank deposit	+Tk 3,314.20
$12,000	0.27%	$0.00	Tk 1,045,691.58with bank transfer to bank deposit	+Tk 8,016.42
$15,000	0.27%	$0.00	Tk 1,307,040.12with bank transfer to bank deposit	+Tk 9,990.01
$50,000		$2.99	Tk 4,325,820.00with debit card to bank deposit	+Tk 485,188.27
$100,000	0.25%	$0.00	Tk 8,716,340.04with bank transfer to bank deposit	+Tk 69,458.77
$250,000	0.20%	$0.00	Tk 21,801,772.82with bank transfer to bank deposit	+Tk 183,607.48
$500,000	0.20%	$0.00	Tk 43,590,557.67with bank transfer to bank deposit	+Tk 322,889.83

Mid-market rate: 1 AUD = 87.3887 BDT

AUD/BDT Exchange Rate History

Is today a good time to send money from Australia to Bangladesh?

The cheapest way to send AUD to BDT can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Remitly), across 30 days of comparisons for 2,000 AUD transfers to Bangladesh.

Each line shows what the recipient gets when you send $2,000, after fees, as quoted by each company. The mid-market line shows what $2,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. The bank line is the cheapest bank available on each day.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more BDT per AUD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 25 of the last 30 days.

Right now, Remitly pays 174,320 BDT on 2,000 AUD, which is 457.38 BDT less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 175,382.08 BDT.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Ways to send money from Australia to Bangladesh

8 money transfer companies let you send money from Australia to Bangladesh.

Cheapest for most transfers

Online transfers

Sending money online with a “self-service” provider is usually the cheapest way to send money to Bangladesh.

For example, sending A$2,000 with Remitly will get you 174,320 BDT after a A$0 fee and 0.26% markup.

In our comparisons over the past month, it was the cheapest online service on 14 of the 28 days it quoted.

To speed up the transfer, use PayID or bank transfer, this will ensure your money is withdrawn instantly from your AU bank account.

Plus, PayID shows the registered payee name, which gives you an extra check against the details you entered.

For regular transfers home

Money transfer apps

An app suits the transfer you make over and over to the same recipient, similar amount, every payday or so.

Remitly takes A$0 in fees and 0.26% markup on a A$2,000 transfer, and your BDT arrives in within a week.

Over the past month, Remitly was the cheapest app on 50% of the days it appeared for A$2,000 transfers.

Signing up is quick even if you're new to Australia.

A passport and visa are enough for most money transfer apps, and no local credit history is needed.

For large AUD transfers

Currency brokers

Money transfer brokers are best for large transfers, like buying property, moving abroad, or paying student fees.

On transfers of $10,000 or more, a broker like Xe drops the fee entirely and works on margin instead.

With Xe you get 0.95% on AUD/BDT, and it gets lower the more you send.

You also get an account manager for the whole thing.

Our analysis shows Xe was the cheapest broker in 52% of all the transfers it quoted.

For overseas business payments

Business accounts

Global accounts like Airwallex are great for paying suppliers, contractors or staff in BDT, handling invoices, batch payments, and more.

For receiving and spending

Multi-currency accounts

Multi-currency accounts let you hold AUD and BDT in one account, and convert when the rate suits you.

Revolut converts A$2,000 at 0.74% markup, and the BDT sits in your account until you spend or transfer it.

Over the past month, it came out cheapest among multi-currency accounts on 73% of days.

Most useful if you travel often to Bangladesh, split your life between two countries, or receive money from abroad.

We also created a guide going into more detail about multi currency accounts.

Compare first

Banks

The big four have dropped most transfer fees, which makes bank transfer from your bank look cheap.

However, the cost is moved into the exchange rate instead.

On a A$2,000 transfer, a bank like NAB adds 5.64% markup and delivers 165,193.54 BDT, against 174,320 BDT via Remitly (the cheapest option).

We found NAB was the cheapest bank on 26 of the 26 days it appeared for this amount.

Ways to fund AUD and receive money in Bangladesh

With Remitly, paying by payto and receiving through a bank deposit is the cheapest combination. Sending A$2,000 gives your recipient 174,320 BDT.

Our data shows that Remitly gets your recipient 9,126.46 BDT more than NAB, today's cheapest bank, on the same A$2,000.

You can fund the transfer with debit card, bank transfer, credit card, payto, poli, and osko.

Recipients in Bangladesh can collect BDT through bank deposit, mobile money, and cash pickup.

Receive BDT in a mobile money

Use the mobile number registered to the recipient's mobile money account. A wrong digit can send the money to a different account.

They can collect cash via Remitly

For cash collection, the recipient should take a photo ID and the transfer reference to a participating location in Bangladesh.

1

Payto Bank deposit

You pay A$2,000.00

৳174,320

Cheapest
2

Debit card Bank deposit

You pay A$2,000.00

৳173,771

-৳549
3

Bank transfer Bank deposit

You pay A$2,000.00

৳173,771

-৳549
4

Credit card Bank deposit

You pay A$2,000.00

৳173,122

-৳1,198
5

Poli Bank deposit

You pay A$2,002.99

৳173,033

-৳1,287

Show moreShow less

6

Osko Bank deposit

You pay A$2,000.00

৳172,953

-৳1,367
7

Debit card Mobile money

You pay A$2,001.99

৳172,597

-৳1,723
8

Credit card Mobile money

You pay A$2,001.99

৳172,597

-৳1,723
9

Poli Mobile money

You pay A$2,001.99

৳172,597

-৳1,723
10

Debit card Cash pickup

You pay A$2,000.00

৳172,200

-৳2,120
11

Credit card Cash pickup

You pay A$2,003.99

৳171,058

-৳3,262
12

Poli Cash pickup

You pay A$2,003.99

৳171,058

-৳3,262

Consider this before sending AUD to Bangladesh

Every international transfer is reportable by the company handling it, but that is not a tax or a form you normally file yourself. PayID can fund the transfer, while the overseas leg still needs a transfer provider.

Compare AUD/BDT transfer options

For a A$2,000 transfer to Bangladesh, these are the best options right now:

Cheapest

Remitly is cheapest when funded by payto with bank deposit for the payout. Your recipient gets 174,320 BDT, which is 0.31% more than the next best option.

Fastest

TapTap Send delivers 172,200 BDT in minutes when you use debit card and choose bank deposit as payout.

If you need money urgently, we've put together a guide on instant money transfers.

PayID is domestic only

PayID and Osko move Australian dollars between local accounts.

When a money transfer company accepts PayID, it collects the AUD in Australia and then handles the conversion and payout in Bangladesh.

Confirm the registered business name shown by your bank before approving the PayID payment.

AUSTRAC reporting

The bank or remittance company reports international transfer instructions to AUSTRAC.

This applies to international transfers generally, rather than only those above A$10,000.

You do not normally submit the international transfer report yourself.

A separate threshold report applies when a transaction involves A$10,000 or more in physical cash.

Large or unusual transfers can still trigger source-of-funds checks. Keep the sale agreement, invoice or bank statement that explains the payment ready.

Cash gifts can affect Centrelink payments

Australia does not generally tax a genuine cash gift simply because you send it to family in Bangladesh.

Gifting money can still affect income-tested or asset-tested Centrelink payments.

Services Australia can continue assessing gifts above its gifting free areas under the income and assets tests.

If you or your partner receive a relevant payment, check the gifting rules before sending a large amount.

Bank protection in Australia

The Financial Claims Scheme protects eligible Australian-dollar deposits with an Australian-incorporated ADI, up to A$250,000 per account holder per ADI.

It does not automatically cover money held by a non-bank transfer company.

In case of issues, if a complaint is not resolved, the Australian Financial Complaints Authority is the free external dispute service for member financial firms.

How we analyse the market

We track 8 companies sending AUD to Bangladesh, all holding an Australian licence, with rates refreshed in real time when running a live search.

In the past 30 days alone, we analysed 316 comparisons across 11 amounts.

This page covers the cheapest and fastest options for AUD/BDT transfers. This is how we pick them:

Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Fees, exchange rates and the pay-in and payout options all get compared, and each company goes through our review before it appears.

More on who we are, why you can trust us and getting started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Send money from Australia

Send money to Bangladesh

Tue, 29 Sept 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	86.0593	–	Tk 172,118.57
OrbitRemit Cheapest	87.6910	$0.00	Tk 175,382.08	+Tk 3,263.51
Western Union	86.0314	$0.00	Tk 172,063.00	−Tk 55.57
Revolut	86.0245	$3.00	Tk 171,790.94	−Tk 327.63
Remitly	85.4400	$0.00	Tk 170,880.00	−Tk 1,238.57
NAB	80.7554	$0.00	Tk 161,510.82	−Tk 10,607.75

Wed, 30 Sept 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	85.8566	–	Tk 171,713.23
OrbitRemit Cheapest	87.6910	$0.00	Tk 175,382.08	+Tk 3,668.85
Western Union	85.7271	$0.00	Tk 171,455.00	−Tk 258.23
Revolut	85.6481	$3.00	Tk 171,039.19	−Tk 674.04
Remitly	85.1300	$0.00	Tk 170,260.00	−Tk 1,453.23
NAB	81.3673	$0.00	Tk 162,734.54	−Tk 8,978.69

Thu, 1 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	85.6925	–	Tk 171,384.92
OrbitRemit Cheapest	87.6910	$0.00	Tk 175,382.08	+Tk 3,997.16
Western Union	85.2607	$0.00	Tk 170,522.00	−Tk 862.92
Revolut	85.2886	$3.00	Tk 170,321.40	−Tk 1,063.52
Remitly	85.1300	$0.00	Tk 170,260.00	−Tk 1,124.92
NAB	81.3673	$0.00	Tk 162,734.54	−Tk 8,650.38

Fri, 2 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	85.7633	–	Tk 171,526.62
OrbitRemit Cheapest	87.6910	$0.00	Tk 175,382.08	+Tk 3,855.46
Western Union	84.9906	$0.00	Tk 169,982.00	−Tk 1,544.62
Revolut	84.7944	$3.00	Tk 169,334.44	−Tk 2,192.18
Remitly	84.6300	$0.00	Tk 169,260.00	−Tk 2,266.62
NAB	80.8489	$0.00	Tk 161,697.78	−Tk 9,828.84

Sat, 3 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	85.1719	–	Tk 170,343.89
OrbitRemit Cheapest	87.6910	$0.00	Tk 175,382.08	+Tk 5,038.19
Western Union	85.1502	$0.00	Tk 170,301.00	−Tk 42.89
Remitly	84.8300	$0.00	Tk 169,660.00	−Tk 683.89
Revolut	85.1232	$23.00	Tk 168,288.57	−Tk 2,055.32
NAB	80.1406	$0.00	Tk 160,281.20	−Tk 10,062.69

How to send money to Bangladesh from Australia with the best AUD-BDT rate

Best companies for AUD/BDT transfers