Bhutan National Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Bhutan National Bank suits Bhutanese borrowers who want a secured personal loan, a Visa debit card for everyday spending and a credit card for trips abroad, all from one lender. Personal loan rates start at 11% to 14% and the debit card is multi-currency with BTN 5 in free ATM withdrawals.
Key facts
- Best for
- Bhutanese customers wanting everyday banking, a multi-currency Visa debit card and a collateral-backed personal loan from one bank
- Currency conversion fee
- 1.5%↗
- Free ATM withdrawals
- BTN 5↗
- Card type
- Debit↗
- Card network
- Visa↗
- Legal entity
- Bhutan National Bank Limited↗
- Headquarters
- Bhutan↗
- Founded
- 1997↗
- Support channels
- Email, Phone↗
- Features
- Multi-currency, Travel
- Official website
- bnb.bt
Loans
- APR
- 11% to 14%↗
- Loan amount
- BTN 500,000↗
- Term
- 60 months↗
- Arrangement fee
- Nu. 200 loan application charge; Nu. 500 credit information charge for loan applicant↗
- Credit check
- Hard↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Eligibility
- Any Bhutanese individual having adequate fixed collateral with reliable source of income↗
- Loan types
- Personal, Secured, Guarantor↗
- Pricing model
- Fixed rate
Savings
- Account kind
- Easy access↗
Facts checked September 26, 2026, 7 sources
Pros and cons
Pros
- Multi-currency Visa debit card built for travel, with BTN 5 in free ATM withdrawals
- A direct lender offering personal, secured and guarantor backed loans, lending up to BTN 500,000
- Fixed rate loans at 11% to 14%, with a variable rate structure also listed on its interest rates
- Support runs on email and phone and includes a phone line
Cons
- The credit card carries an annual fee of BTN 599 and a currency conversion fee of 1.5% on spending abroad
- Credit checks are hard, so a credit search runs on every application
- The credit card's rewards type is none, so spending earns no points or cashback
Who it suits
- Bhutanese individuals with fixed collateral and a reliable income, who meet the lender's stated eligibility
- Travellers and expatriates who need a multi-currency Visa debit card rather than a single currency card
- Customers who want a savings account, a debit card, a credit card and a personal loan from one bank
Who should look elsewhere
- Anyone looking for rewards on card spending, as the rewards type is none
- Borrowers without collateral or a dependable income, since the loan is secured and the check is hard
How Bhutan National Bank compares
9.0 vs 9.4
9.0 vs 9.0
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9.0 vs 9.4
9.0 vs 8.7
9.0 vs 9.2
9.0 vs 9.4
9.0 vs 8.7
9.0 vs 9.3
9.0 vs 8.9
9.0 vs 8.6
9.0 vs 9.2
9.0 vs 8.4
9.0 vs 8.5
9.0 vs 8.8
9.0 vs 9.0
9.0 vs 8.6
9.0 vs 8.3
9.0 vs 9.5
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.8
9.0 vs 8.7
9.0 vs 8.5
9.0 vs 8.4
9.0 vs 8.0- 9.0 vs 8.0
Where Bhutan National Bank is available
- Available
- Bhutan
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does a personal loan from Bhutan National Bank cost?+
Loans run at 11% to 14% and the bank lends up to BTN 500,000. The rate is fixed, with a variable rate structure also set out on its interest rates page, and terms run over 60.
Are there fees on top of the loan rate?+
Yes. An application charge and a credit information charge both apply to every loan applicant, so the headline rate is not the full cost. Repaying early is worth checking before you sign, as the published rate does not show whether overpayments are refunded.
What credit check do I face when applying?+
The credit check is hard, which means a full search runs on your credit file once you apply. There is no soft prequalification option listed, so check your file before starting an application.
Who can borrow from Bhutan National Bank?+
Eligibility covers Bhutanese individuals who hold adequate fixed collateral and have a reliable source of income. Loans come in personal, secured and guarantor flavours, and the bank lends directly rather than through a broker.
How much can I withdraw from an ATM for free?+
The debit card includes BTN 5 in free ATM withdrawals. The card runs on the Visa network and is multi-currency, which suits travel and spending across more than one currency.
What does the credit card cost each year?+
The annual fee on the credit card is BTN 599, and currency conversion adds 1.5% on spending in another currency. The rewards type is none, so the fee buys payment method access rather than any perk.
How do I contact the bank for help?+
Support runs on email and phone, so questions can go by email or phone. The bank also runs an easy access account type, which suits anyone who wants to hold and move money without a notice period.
Sources
- bnb.bt/bank-service-charges checked September 26, 2026
Backs: Credit check, Arrangement fee
- bnb.bt/contact checked September 26, 2026
Backs: Support channels
“Toll Free: 6070, contact@bnb.bt, WhatsApp +97517123004”
- bnb.bt/credit-card checked September 26, 2026
Backs: Annual fee, Card kind, Currency conversion fee, Rewards type
“Annual Fee: Nu. 599”
- bnb.bt/debit-card checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Features, Card network
“First five withdrawals free at other bank ATMs; sixth transaction onwards customers pay Nu. 9 per transaction”
- bnb.bt/interest-rates checked September 26, 2026
Backs: Term
“2 Mortgage Loan 14.00% 11.00% 5”
- bnb.bt/personal-loan checked September 26, 2026
Backs: Loan amount, APR, Eligibility, Lender type, Loan types, Pricing model, Rate type
“50% - 70% of the value of securities or Nu. 500,000.00, whichever is lower.”
- en.wikipedia.org/wiki/Bhutan_National_Bank checked September 26, 2026
Backs: Account kind, Founded, Headquarters, Legal entity
“provides all kinds of banking services, including Trade Finance, CASA accounts, Loans, Remittances, Mobile and Internet Banking”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Protection.
Bhutan National Bank
Bhutanese customers wanting everyday banking, a multi-currency Visa debit card and a collateral-backed personal loan from one bank