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Druk PNB Bank review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Druk PNB Bank suits savers and borrowers in Bhutan who want a local bank with no account charges. Its easy-access savings account pays a headline rate of 4.5% on daily balance, and the bank also lends directly at an APR of 9.5% to 14%.

Key facts

Best for
Saving and borrowing in Bhutan through a local bank with no monthly fee or minimum deposit.
Headline rate
4.5%↗
Rate type
Variable↗
Term
60 months↗
Minimum deposit
BTN 0↗
Access terms
Daily-balance interest, credited monthly↗
Monthly fee
BTN 0↗
Account kind
Easy access↗
Legal entity
Druk PNB Bank Limited↗
Headquarters
Bhutan↗
Support channels
Phone, Email↗
Pricing model
No monthly fee
Official website
drukpnbbank.bt

Loans

APR
9.5% to 14%↗
Loan amount
BTN 500,000↗
Arrangement fee
Nu. 100 loan application fee plus Nu. 500 processing fee for loans up to Nu. 0.50 Mn (Personal Loan to Public)↗
Credit check
Hard↗
Lender type
Direct lender↗
Loan types
Personal, Secured, Car, Business, Student↗
Use cases
Home-improvement↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
facebook.cominstagram.com

Pros and cons

Pros

  • Headline rate of 4.5% on an easy access account, so savings earn without a notice period
  • Minimum deposit of BTN 0 and a monthly fee of BTN 0, so the account costs nothing to hold
  • The same bank lends directly at an APR of 9.5% to 14%, covering personal, secured and car loans without a broker step
  • Interest is worked out on Daily-balance interest, credited monthly, and the stated loan use is home improvement

Cons

  • The 9.5% to 14% range sits close to the site median of 15.5% for personal loans
  • Support runs on phone and email only, with no help centre or live chat listed alongside them
  • A hard credit check applies, unlike the 20.1% checks that some of the alternatives use
Druk PNB Bank

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Who it suits

  • Bhutan-based savers who want easy access to their money with no monthly charge and no minimum deposit
  • Borrowers in Bhutan funding home improvement at a stated 9.5% to 14% directly from the bank itself
  • People who want a single bank to handle both the savings balance and the loan

Who should look elsewhere

  • Readers who need a deposit protection scheme named in the terms, or a provider serving markets beyond BT
  • Readers who want a rate nearer the 3% site median, and can weigh Wise at 3.29% and Finteres at 0% to 36%
  • Borrowers wanting a soft prequalification check instead of the hard credit check, or help beyond phone and email

Who runs it

Druk PNB Bank is Druk PNB Bank Limited, registered in Bhutan. Support runs on phone and email, so phone and email carry most of the contact load, with no help centre or live chat listed alongside them. The savings side and the lending side both sit under the same legal entity, which keeps the whole relationship in one place.

How Druk PNB Bank compares

Where Druk PNB Bank is available

Available
Bhutan

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does the savings account pay?+

The account pays a headline rate of 4.5% and the rate type is variable, so the figure can move. Interest works on Daily-balance interest, credited monthly, which means the balance is credited each month rather than held to a maturity date.

Is there a minimum deposit or monthly fee?+

The minimum deposit is BTN 0 and the monthly fee is BTN 0, so the account can be opened and held at no cost. A no monthly fee model is the norm on a good share of listed accounts, at 28.6%.

What kind of savings account is it?+

It is an easy access account, which suits people who expect to withdraw without giving notice. Easy access is the most common kind of account on the comparison, at 75.2% of listed accounts.

Does the bank lend as well as save?+

Yes. The bank is a direct lender, lends at an APR of 9.5% to 14% and offers a loan amount of BTN 500,000 over a term of 60. The credit check is hard, the strictest kind listed.

What can I borrow for?+

Loans cover personal, secured and car borrowing, and the stated use is home improvement. The term runs 60, applications are handled by the bank rather than a broker, and the credit check on the lending is hard.

What fees come with a loan?+

A personal loan carries a set application fee plus a processing fee, and the listed arrangement fee covers loans up to the lower end of the range. Lending runs at an APR of 9.5% to 14% and the credit check is hard.

How do I contact the bank?+

Support runs on phone and email, so phone and email are the listed routes. There is no live chat or help centre listed with them, where a help centre appears on 79.6% of accounts on the comparison.

Where is the bank based?+

Druk PNB Bank is Druk PNB Bank Limited, registered in Bhutan. That makes it a single market provider, so readers in the UK or Europe will normally need an account that works across more than one market.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Deposit protection.

Druk PNB Bank

Druk PNB Bank

Saving and borrowing in Bhutan through a local bank with no monthly fee or minimum deposit.

See alternatives