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Nepal Bank review

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

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Our verdict

Nepal Bank suits people in Nepal who want a plain credit card and a savings account under one roof, rather than shoppers chasing points or cashback. The card carries an APR of 24%, the savings rate is variable at 2.76%, and eligibility is limited to Nepalese citizens.

Key facts

Best for
A Nepalese citizen who wants everyday banking, a credit card and a savings pot from one bank
APR
24%↗
Rewards type
None↗
Card kind
Credit↗
Legal entity
Nepal Bank Limited↗
Headquarters
Nepal↗
Founded
1937↗
Support channels
Phone↗
Pricing model
Fixed rate
Features
Credit line
Official website
nepalbank.com.np

Loans

Loan amount
NPR 5,000,000↗
Term
240 months↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
Nepalese citizens only, 18 years at loan origination and max 60 years at loan termination; salaried or self-employed↗
Loan types
Personal, Secured, Car, Student, Business↗

Savings

Headline rate
2.76%↗
Minimum deposit
NPR 500↗
Access terms
Savings deposit with no fixed term; rate revised periodically, effective from Aswin 01, 2083 (September 17, 2026)↗
Account kind
Easy access↗

Mortgages

Initial rate
7.99%↗
Fixed period
5 to 10 years↗
Maximum loan to value
60% to 100%↗
Purpose
Purchase, Remortgage↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Elsewhere
WikidataWikipedia

Pros and cons

Pros

  • Direct lending, so you deal with Nepal Bank itself rather than a broker, on personal, secured, car, student and business loans
  • Personal loans reach NPR 5,000,000 over a term of 240 months
  • The normal savings account is easy access, needs a minimum deposit of NPR 500 and pays a variable 2.76%
  • Support runs on phone

Cons

  • The card pays no rewards, with a rewards type of none, so there is nothing back on your spending
  • Card APR of 24% sits above the site median of 16% for credit cards
  • Support runs on phone only, with no chat or email listed
Nepal Bank

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Nepalese citizens, salaried or self-employed, who want a credit card and savings account from the same bank
  • Borrowers who prefer a direct lender with a revolving credit line and fixed rate term loans
  • People building a small savings balance without tying it up in a fixed term deposit

Who should look elsewhere

  • Anyone outside Nepal, since eligibility is restricted to Nepalese citizens
  • Shoppers who want cashback or points on card spending, since the rewards type is none
  • People who need live chat or email help, as support runs on phone only

Rates and terms

The credit card charges an APR of 24%, and the account sits with a variable rate on deposits, so the savings figure can move. The headline rate on the savings side is 2.76%, and the rate is revised periodically rather than fixed for a set period. Loans are offered on a fixed rate model with a fixed period of 5 to 10 years, and a personal loan can run for 240 months. The normal savings account is easy access with no fixed term.

Who runs it

Nepal Bank is a direct lender registered as Nepal Bank Limited, headquartered in Nepal, and it has been trading since 1937. It lends its own money rather than acting as a broker, and its personal loans are open to Nepalese citizens only, salaried or self-employed, with a minimum age at loan origination and a maximum age at loan termination. Support is offered on phone.

How Nepal Bank compares

Where Nepal Bank is available

Available
Nepal

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

Frequently asked questions

What does the Nepal Bank credit card cost to borrow?+

The card carries an APR of 24%, and it is a revolving credit card, so interest applies on the balance you carry. That sits above the site median of 16% for credit cards, so it is worth clearing balances where you can.

Does the credit card offer any rewards?+

No. The rewards type on the card is none, so there is no cashback or points on your spending. If a reward matters to you, a card with a cashback rewards type is the better fit, since this one gives nothing back.

What interest does the savings account pay?+

The normal savings account pays a headline rate of 2.76%, and the rate type is variable, so the figure can be revised. The account has no fixed term and the rate is set on a periodic cycle, so your balance stays accessible throughout.

How much do I need to open the savings account?+

The minimum deposit is NPR 500, which is a low starting point for a first balance. The account is an easy access type, so you can add to it or take money out without a fixed term commitment.

Who can apply for a personal loan from Nepal Bank?+

Loans go to Nepalese citizens only, and you must be salaried or self-employed. There is a minimum age at loan origination and a maximum age at loan termination, so check both ends of the range before you apply.

How much can I borrow and over what period?+

A personal loan goes up to NPR 5,000,000, and the term runs as long as 240 months. That is a longer repayment window than many lenders offer, and the loan can be drawn as a revolving credit line.

Is Nepal Bank a lender or a broker?+

It is a direct lender, which means you deal with Nepal Bank itself and no intermediary takes a cut. Loan types include personal, secured, car, student and business, all arranged through the same provider.

How can I get help from the bank?+

Support is offered on phone only, so phone is the route to a person rather than live chat or email. The bank is Nepal Bank Limited, a single provider serving a single market rather than a multinational.

Can I fix my borrowing rate?+

Yes. Retail term loans run on a fixed rate model, with a fixed period of 5 to 10 years available, which helps if you want the monthly payment to stay predictable.

Sources

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Annual fee, Currency conversion fee.

Nepal Bank

Nepal Bank

A Nepalese citizen who wants everyday banking, a credit card and a savings pot from one bank

8.9/10See alternatives