Bangladesh strengthens cross-border e-commerce with B2B2C export rules

Business Report :

Bangladesh Bank has taken a major step to expand the country’s export channels by allowing shipments under a Business-to-Business-to-Consumer (B2B2C) framework. The central bank issued a foreign exchange circular on Monday, enabling exporters to sell goods to international consumers through globally recognized online platforms, marketplaces, and third-party warehouses.

Under the new circular, exporters can ship products where the overseas consignee is an intermediary rather than the final buyer. To execute exports under this framework, exporters must provide Authorised Dealer (AD) banks with proof of registration on globally recognized online platforms or warehouses. Since traditional sales contracts are often absent in B2B2C transactions, exporters can declare the value of shipments based on proforma invoices.
AD banks are also allowed to accept shipping documents prepared in the name of the intermediary facilitating the delivery.

The circular provides flexibility for receiving export payments. AD banks can receive payments through regular banking channels, including internationally recognized payment operators. Since platform-based sales may involve multiple shipments, the central bank has relaxed the usual one-to-one payment matching rule. Export receipts can be settled using the First-in, First-out (FIFO) method, allowing earlier shipments to be adjusted first.
Industry experts believe the move will significantly boost Bangladesh’s cross-border e-commerce operations. It is expected to strengthen the country’s presence in global online marketplaces, improve access for small and medium-sized exporters, and diversify export growth by integrating Bangladeshi products into global digital retail channels.
Officials said the new framework aligns with Bangladesh’s broader strategy to enhance digital trade and leverage technology for international market access. By simplifying documentation and payment processes for B2B2C exports, the policy could help exporters overcome traditional barriers, reduce costs, and compete more effectively on global platforms.
“This initiative is expected to create new opportunities for micro, small, and medium enterprises to reach international consumers directly, without relying solely on traditional buyers,” an industry insider noted.
The central bank’s move comes as global e-commerce and online retail continue to grow rapidly, offering Bangladesh a chance to expand its footprint in the international digital trade landscape.