Updated September 28, 2026 · SumCue Editorial Team
Bhutan National Bank vs MariBank
Bhutan National Bank
MariBank
Higher score in this comparison
Bhutan National Bank vs MariBank: the differences
| Compare | Bhutan National BankReviewSee alternativesSee alternatives | MariBankReviewSee alternativesSee alternatives |
|---|---|---|
| Currency conversion fee | 1.5% | 0%Lower |
| Monthly fee | Not confirmed | SGD 0 |
| Free ATM withdrawals | BTN 5 | Not confirmed |
| Cashback rate | Not confirmed | 0.5% |
| Card network | Visa | Not confirmed |
Same on both: Card type (Debit).
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Key differences
- MariBank scores higher overall: 9.1 vs 9.0.
- Currency conversion fee is lower at MariBank: 0% vs 1.5%.
- Support channels: only MariBank offers Chat, Help centre.
- Features: only Bhutan National Bank offers Multi currency, Travel.
- Features: only MariBank offers Rewards.
Our verdict on each
Bhutan National Bank
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.
MariBank
MariBank pays 3.08% on an easy access savings account with a monthly fee of SGD 0 and a minimum deposit of SGD 0, suited to Singapore savers who want daily interest. The rate is only mid-field, though, and the credit card loan comes with a term of 60.
Score breakdown
| Area | Bhutan National Bank | MariBank |
|---|---|---|
| Cost | 8.9 | 9.3HigherSGD 0 origination fee on the loan, 0% conversion fee on the debit card and 0.25% to 1.25% on investing. |
| Offer | 8.8 | 9.5Higher1.92% APR instant loan, SGD 1 entry on the investment product and 0.5% cashback on the debit card. |
| Trust | 9.2Higher | 8.8 |
How they place
| Ranking | Bhutan National Bank | MariBank |
|---|---|---|
| Savings | 418 of 1492 | 373 of 1492 |
| Loans | 618 of 2043 | 560 of 2043 |
| Personal loans | 548 of 1317 | 498 of 1317 |
| Credit and debit cards | 468 of 1594 | 411 of 1594 |
| Credit cards | 144 of 421 | 128 of 421 |
| Debit cards | 294 of 826 | 263 of 826 |
Every fact side by side
| Fact | Bhutan National Bank | MariBank |
|---|---|---|
| Features | Multi currency, Travel | Rewards |
| Legal entity | Bhutan National Bank Limited | MariBank Singapore Private Limited |
| Headquarters | Bhutan | Singapore |
| Founded | 1997 | Not confirmed |
| Support channels | Email, Phone | Chat, Phone, Email, Help centreCovers more |
Loans
| Fact | Bhutan National Bank | MariBank |
|---|---|---|
| APR | 11% to 14% | 1.92%Lower |
| Loan amount | BTN 500,000 | from SGD 100 |
| Term | 60 months | 60 months |
| Arrangement fee | Nu. 200 loan application charge; Nu. 500 credit information charge for loan applicant | SGD 0 |
| Credit check | Hard | Not confirmed |
| Funding time | Not confirmed | Cash disbursed to your account within 10 seconds |
| Pricing model | Fixed rate | No monthly fee |
| Rate type | Variable | Variable |
| Lender type | Direct lender | Direct lender |
| Free early repayment | Not confirmed | No |
| Eligibility | Any Bhutanese individual having adequate fixed collateral with reliable source of income | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| Loan types | Personal, Secured, Guarantor | Personal, Debt consolidation, Credit line, Business |
| Use cases | Not confirmed | Home improvement |
Credit cards
| Fact | Bhutan National Bank | MariBank |
|---|---|---|
| Annual fee | BTN 599 | Not confirmed |
| Rewards type | None | Cashback |
| Card kind | Credit | Credit |
| Regulators | Not confirmed | Monetary Authority of Singapore |
Savings
| Fact | Bhutan National Bank | MariBank |
|---|---|---|
| Headline rate | Not confirmed | 3.08% |
| Minimum deposit | Not confirmed | SGD 0 |
| Access terms | Not confirmed | No minimum deposit, no minimum spending, no fall-below fee, interest credited daily |
| Account kind | Easy access | Easy access |
Robo-advisors
| Fact | Bhutan National Bank | MariBank |
|---|---|---|
| Management fee | Not confirmed | 0.25% to 1.25% |
| Minimum investment | Not confirmed | SGD 1 |
Where each stands against the rest
| Fact | Bhutan National Bank | MariBank | Median |
|---|---|---|---|
| Monthly fee | Not confirmed | SGD 0at the median | SGD 0 |
| Currency conversion fee | 1.5%above the median | 0%below the median | 1% |
| Cashback rate | Not confirmed | 0.5%lowest quarter | 2% |
Median across 336 listed providers.
Pros and cons
Bhutan National Bank
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
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
MariBank
Pros
- The savings account is free to run, with a monthly fee of SGD 0, a minimum deposit of SGD 0 and interest credited daily.
- The instant loan runs at 1.92% APR with an origination fee of SGD 0 and amounts from from SGD 100.
- The debit card has a currency conversion fee of 0% and pays cashback of 0.5% on spend.
Cons
- The 3.08% headline rate sits below Wise at 3.29%, so the savings interest is not the strongest.
- Free early repayment is marked no, and early repayment is not among the rewards listed for the credit card.
- The savings rate is variable and the account is easy access, so no fixed rate or term is locked in.
Who each suits
Bhutan National Bank
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
MariBank
Who it suits
- Singapore savers who want daily interest, easy access and a monthly fee of SGD 0.
- Borrowers after low cost credit at 1.92% APR with an origination fee of SGD 0.
- Spenders who pay in other currencies, since the debit card conversion fee is 0%.
Who should look elsewhere
- Wise, for a higher headline rate of 3.29% if savings interest comes first.
- Finteres, listed at 0% to 36%, for readers who want a wider headline range.
Current offers
MariBank
Current offer
Bonus
Mari Savings Account Bonus Interest Promotion: Up to 3.08% p.a.: 0.88% p.a. base interest plus 1.60% p.a. new user bonus for the first 30 days, 0.40% p.a. for ShopeeVIP members and 0.20% p.a. for salary crediting
17 Aug - 31 Dec 2026; subject to the Mari Savings Account Bonus Interest Promotion Terms and Conditions
Source, checked September 26, 2026
First period offer
Overseas Transfers Unlimited $0 Transfer Fee Promotion: SGD 0 overseas transfer fees for the Mari Savings Account
26 Feb 2026 - 31 Dec 2026; waived subject to the Overseas Transfers Unlimited $0 Transfers Promotion Terms & Conditions
Source, checked September 26, 2026
Bonus
Get 1% cashback when you Scan & Pay to NETS SGQR merchants: 1% cashback
1 Sep - 31 Dec 2026
Source, checked September 26, 2026
Country by country
| Country | Bhutan National Bank | MariBank |
|---|---|---|
| Bhutan | Yes | No |
| Singapore | No | Yes |
Questions about each
Bhutan National Bank
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.
MariBank
What rate does the MariBank savings account pay?+
The Mari savings account pays a headline rate of 3.08%, and the rate is variable, so it can move with the market. It is an easy access account, so withdrawals are possible whenever needed, and interest is credited daily.
Is there a minimum deposit or monthly fee on the savings account?+
The minimum deposit is SGD 0 and the monthly fee is SGD 0, so the savings account is free to hold. There is also no minimum spending and no fall-below fee, which suits anyone keeping cash they may need at short notice.
Other options to compare
Bhutan National Bank
MariBank