Bank of Bhutan review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
Bank of Bhutan stands apart from a cards only provider because it operates as a bank with personal banking, online services, cards and local service points. It suits households wanting everyday banking in one place and businesses needing corporate internet banking with remote access support.
Key facts
Loans
- Loan amount
- BTN 100,000 to BTN 1,000,000↗
- Term
- 84 months↗
- Funding time
- Instant personal loan, apply online via BoBLoan digital lending platform↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Eligibility
- All salaried employees with Provident Fund (PF)/Gratuity; guarantor must be a Bhutanese national regular employee↗
- Loan types
- Personal, Secured, Guarantor, Business, Student, Bridging↗
Savings
- Headline rate
- 4.5%↗
- Minimum deposit
- BTN 500↗
- Access terms
- On-demand access; no upper limit on balance; interest paid irrespective of number of withdrawals; account treated as dormant if no debit or credit entry for 1 year or more↗
- Monthly fee
- BTN 12.50↗
- Account kind
- Easy access↗
Facts checked September 26, 2026, 9 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Combines cards with personal banking and online services in one place.
- Provides online account opening and customer information updates remotely.
- Maintains ATM and service point networks around Thimphu for cash access.
- Shares financial tips and insights alongside everyday banking tools.
Cons
- Physical location guidance centres on Thimphu rather than broader areas.
- Emphasis on self service channels reduces traditional branch based service.
- Published product detail focuses on banking services rather than card choice.
Who it suits
- Households wanting cards alongside everyday banking
- People preferring remote and online banking access
- Businesses needing corporate internet banking tools
Who should look elsewhere
- People seeking a cards only provider
How Bank of Bhutan compares
Frequently asked questions
What products and services does Bank of Bhutan cover?+
Bank of Bhutan provides personal banking, online banking services, cards, ATMs and money transfer services. It also supports corporate internet banking and service points for everyday needs. The range connects daily payments with remote access and in person help.
How does Bank of Bhutan support banking without branch visits?+
Bank of Bhutan allows online account opening and customer information updates without visiting a branch. It promotes service through ATMs, mobile options, internet banking, cards and local service points. The approach helps customers manage everyday banking through remote channels.
Where does Bank of Bhutan list physical service points?+
Bank of Bhutan highlights ATM locations in Thimphu and local service points in Thimphu. Customers can use these listings to find cash access and nearby help. The published guidance focuses on the capital area for in person service.
Who is Bank of Bhutan for?+
Bank of Bhutan serves personal customers alongside businesses through corporate internet banking. It provides online services, cards and transfer options for daily money management. Households wanting combined personal and business coverage can consider the everyday banking range.
What help resources does Bank of Bhutan provide?+
Bank of Bhutan maintains customer support and a grievance portal with frequently asked questions and downloadable forms. It also shares financial information, tips and insights for everyday decisions. These resources help customers understand products and prepare before seeking help.
Sources
- bob.bt checked September 26, 2026
Backs: Features, Funding time
“Get an Instant Personal Loan from Bank of Bhutan”
- bob.bt/about-bob checked September 26, 2026
Backs: Founded, Legal entity, Lender type
“Established by a Royal Charter in May 1968, Bank of Bhutan (BoB) is the oldest bank in the country.”
- bob.bt/interest-service-charges/deposit-interest-rates checked September 26, 2026
Backs: Headline rate
“Saving Deposit Rates w.e.f 1st October, 2022 ... 1 Saving Deposit 4.50%”
- bob.bt/interest-service-charges/loan-interest-rates checked September 26, 2026
Backs: APR
“PERSONAL- CONSUMER LOAN (SALARY BASED) 7 8.45%”
- bob.bt/interest-service-charges/service-charges checked September 26, 2026
Backs: Minimum deposit, Monthly fee
“Minimum Balance to Open Saving account Nu. 500”
- bob.bt/personal-banking/deposits-personal/savings-deposit... checked September 26, 2026
Backs: Access terms, Account kind, Rate type
“No upper limit on account balance. The interest would be paid irrespective of number of withdrawals.”
- bob.bt/personal-banking/loans-personal checked September 26, 2026
Backs: Loan types
“Consumer Loan ... Education Loan ... Gold Loan ... Housing Loan ... Medical Loan ... Transport Loan”
- bob.bt/personal-banking/loans-personal/consumer-loan checked September 26, 2026
Backs: Loan amount, Eligibility, Term
“The maximum regulatory limit is Nu. 1,000,000 per person at a time or 50% LTI whichever is lower”
- bob.bt/service-and-support/contact-center checked September 26, 2026
Backs: Headquarters, Support channels
“Our Corporate office: Norzin Lam, Thim Throm, Thimphu, Bhutan”
Compiled from 9 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Annual fee, Currency conversion fee, Rewards type.