A. Khan said:There is one way --> You have to use a Credit Card & a Savings account; & TAG the "Credit Card" to the "Savings account" using internet banking.
Step-1: Open a savings account & keep your money over there.
Step-2: Get internet banking for that savings account.
Step-3: You take a US$ or Dual currency Credit Card through the bank.
Step-4: Request to email you the monthly statements "US$ or Dual currency Credit Card".
Step-5: Get internet banking for that "Dual currency Credit Card" & ask the bank to TAG it with your "savings account", so that you can pay the credit card monthly bill from the savings account.
Step-6: You endorse maximum US$ 5,000 per year on that "US$ or Dual currency Credit Card".
Step-7: You perform transactions in anywhere in the world using the credit card.
Summary: In this way, you are spending money overseas using Credit Card, but paying from the savings account at the end of the month.
Yes. You need some attention though, to pay bills in savings account to clear monthly deposits.
And you loose conversion charges (CAD to USD and then USD to BDT) and the bank charges for every swipe, and the overseas fees.
Hum ............................ :'(