Bhutan Development Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Bhutan Development Bank suits Bhutanese adults with a reliable income who want a simple variable rate savings account or a personal, secured or business loan. Its savings rate of 4.6% and personal loan APR of 13.5% sit alongside no minimum balance, so a small first deposit works.
Key facts
- Best for
- Bhutanese adults banking and borrowing locally with a reliable income
- Headline rate
- 4.6%↗
- Rate type
- Variable↗
- Term
- 60 months↗
- Minimum deposit
- BTN 0↗
- Access terms
- No minimum or maximum balance; no restriction on number of transactions; can be operated singly or jointly, with or without cheque book↗
- Account kind
- Easy access↗
- Legal entity
- Bhutan Development Bank Limited↗
- Headquarters
- Bhutan↗
- Founded
- 1988↗
- Support channels
- Phone, Email, Help-centre↗
- Official website
- bdb.bt
Loans
Mortgages
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Variable savings rate of 4.6% with no minimum balance
- Personal loans at 13.5% over 60 for amounts up to BTN 500,000
- Accounts run singly or jointly, with or without a cheque book, and no cap on transactions
- A direct lender offering personal, secured and business loans under the RMA
Cons
- The 4.6% rate is variable, so the return can move
- Housing loans carry an initial rate of 9% fixed for 5 years, so later pricing is uncertain
- Support runs on phone, email and help centre only, with no live chat
Who it suits
- Bhutanese individuals with a reliable source of income and a creditworthy record
- Anyone wanting a savings account with no minimum or maximum balance
- Borrowers after a personal, secured or business loan from a direct lender
Who should look elsewhere
- People wanting live chat, since support runs on phone, email and help centre
- Borrowers who need a soft credit check, because hard applies
- Savings seekers who want a fixed rate, as the account pays a variable variable rate
Rates and terms
The savings account pays a headline rate of 4.6% at a variable rate type, so the return follows the bank's published deposit rates rather than locking in. Personal loans carry an APR of 13.5% over a term of 60, with borrowing up to BTN 500,000 and a hard credit check. Housing loans start at an initial rate of 9%, fixed for 5 years.
Who runs it
Bhutan Development Bank is the legal entity Bhutan Development Bank Limited, headquartered in Bhutan and founded in 1988. It is a direct lender, so loans come straight from the bank rather than through a broker or marketplace. The regulator listed for Bhutan is RMA. Queries run through phone, email and help centre, covering phone, email and a help centre.
How Bhutan Development Bank compares
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Where Bhutan Development Bank is available
- Available
- Bhutan
- Licence in Bhutan
- RMA, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does the savings account pay?+
The savings account pays a headline rate of 4.6%. It is a variable rate type, so the figure moves with the bank's published deposit rates rather than staying locked for a term.
Is there a minimum balance to open the account?+
There is no minimum or maximum balance, so BTN 0 applies. There is also no restriction on the number of transactions, and the account can be operated singly or jointly, with or without a cheque book.
How much can I borrow and at what cost?+
Personal loans go up to BTN 500,000 at an APR of 13.5% over a term of 60. Applicants need a reliable source of income and must be creditworthy, and the loan comes with a hard credit check.
What is the home loan rate?+
Housing loans start at an initial rate of 9%, fixed for 5 years, and cover a maximum loan to value of 90% for a purchase purchase. The bank lends for house purchase rather than wider remortgaging work.
Who regulates the bank?+
The regulator listed for Bhutan is RMA, and the bank is a direct lender based in Bhutan. Loans of personal, secured and business types are all offered directly by the bank under that arrangement.
How do I get help?+
Support runs on phone, email and help centre. That covers phone, email and a help centre, so questions about the easy access account or a loan application can be raised by any of the three routes.
Who can open an account or take a loan?+
Loans go to any Bhutanese individual with a reliable source of income who is a minimum age and creditworthy. The bank is Bhutan Development Bank Limited, a lender that has operated since 1988.
What kinds of loan does the bank make?+
The bank offers personal, secured and business lending, along with housing loans for purchase. Personal borrowing runs at 13.5%, while secured and housing lending is arranged on separate terms with the bank as a direct lender.
Sources
- bdb.bt/background checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Lender type, Licences
“incorporated by the Royal Charter, in January 1988, with assistance from the Asian Development Bank (ADB)”
- bdb.bt/contact-us checked September 26, 2026
Backs: Support channels
“Call us at 1424 ... Email Address info@bdb.bt ... Head Office, Branches & GFO”
- bdb.bt/deposit-rates checked September 26, 2026
Backs: Rate type
“Normal Saving Deposit 4.60% ... Note: Interest Rates are subjected to change from time to time.”
- bdb.bt/loan-rates checked September 26, 2026
Backs: Loan types
“Personal Loan (Mortgage Loan) ... Agricultural & Livestock Loan ... General Trade Loan”
- bdb.bt/loan/housing-loan checked September 26, 2026
Backs: Fixed period, Initial rate, Maximum loan to value, Purpose
“Fixed Interest Up to 5 year ... Home Loan 9.00%”
- bdb.bt/loan/personal-loan checked September 26, 2026
Backs: Loan amount, APR, Credit check, Eligibility, Term
“QUANTUM The maximum limit is Nu. 500,000 per person at a time or 60% LTI whichever is lower.”
- bdb.bt/saving-account checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit
“There is no restriction on the number of transactions that can be carried out in a savings account; It can be operated either singly or jointly”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Deposit protection.
Related by the facts
Bhutan Development Bank
Bhutanese adults banking and borrowing locally with a reliable income