Bhutan Banking Insight Dashboard
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State-owned
47+Branches
110ATMs
3Digital apps
- Oldest and largest bank in Bhutan
- Retail and corporate banking services
- Nationwide ATM and branch coverage
- Services: loans, savings, forex, cards
- GoBOB – youth-focused digital account
- mBOB – mobile banking for general users
- Dial *262# USSD for offline mBOB services
- BoBNET – full internet banking portal
- Open account online →
- ATMs – nationwide network
- Cash Deposit Machines
- BoBConnect Agent banking for underserved areas
- e-Payment Gateway for online merchants
- POS Acquiring for card payments
- Savings Deposit Account
- Young Savers Account (Age: Below 18)
- Empower Savings Account
- Simple / Recurring Deposit Plus / Flexi Recurring Deposit
- Fixed Deposit Account
- FC I – Foreign Currency for Bhutanese individuals
- View deposit interest rates →
- Home, vehicle, personal, and business loans
- Apply online via BOB Loan Portal →
- Education and SME loans available
- View Loan Interest rates →
Digital
Daily InterestBenefit
DK GoldTER
Digital Bank24/7 Access
- Digital Kidu (DK) Bank – a fully digital financial institution
- Focused on inclusive, accessible banking for all Bhutanese
- No physical branches; entirely app and web based
- Services: DK Pay, savings, microloans, welfare disbursements, DK gold and TER
- DK Pay – instant mobile payments and transfers
- Digital wallet for everyday transactions
- Online account opening – no branch visit required
- Biometric and OTP-based secure login
- Digital savings accounts with competitive interest (daily interest accrual)
- Micro and nano loans for low-income households
- Government welfare and Kidu disbursements
- Bill payments, top-ups, and QR payments
- Avail DK Internet Banking →
- TER: sovereign-backed digital token
- Redeemable into real gold
- Direct bank integration
- Buy and Sell TER
- Sign in to TER →
Private
30+Branches
RuPayIntl. Debit Card
mPayDigital app
- Second largest commercial bank in Bhutan
- Strong digital and retail banking focus
- Well-established ATM network across the country
- Services: mPay, loans, cards, remittance
- MyPay and mPay – flagship mobile wallet and payments app
- Internet banking portal for account management
- QR payments and merchant services
- Remittance services to India and beyond
- Apply for Online Account Opening →
- Try Internet Banking →
- Fund Transfer to Other Countries →
- Current, savings, and fixed deposit accounts
- Piggy Bank Account →
- Home, vehicle, personal, and education loans
- SME and business financing products
Development
WideRural reach
4.75%Saving rate p.a.
SMESpecialty
- Focuses on rural development and agriculture financing
- Wide branch presence in non-urban dzongkhags
- Microfinance and community lending programmes
- Services: rural loans, SME financing, deposits
- ePay – Mobile banking app
- Explore ePay Features →
- Avail Internet Banking →
- Create Account Online →
- Agriculture and livestock loans
- Cottage and small industry financing
- Women and youth entrepreneurship schemes
- Basic savings and deposit accounts
- Explore Deposit Interest Rates →
- Explore Loan Interest Charging Rates →
FDI
ModerateNetwork
OnlyFDI Bank
UrbanATM focus
- Joint venture between Bhutan and Punjab National Bank (India)
- Commercial and retail banking services
- Urban-focused ATM network
- Services: loans, deposits, trade finance
- Home, personal, and business loans
- Fixed and savings deposits
- Trade finance and forex services
- NRI and cross-border remittance
Private
LimitedBranches
4thCommercial Bank
TPayDigital app
- Private commercial bank with a digital-first model
- Limited physical branches; growing ATM network
- Services: TPay, T Wallet, remittance, deposits, loans
- Targeting younger, tech-savvy customers
- TPay – mobile payment and wallet platform
- T Wallet for peer-to-peer transfers
- Online account opening and management
- Remittance and cross-border transfers
- T Wallet for youths (10 years and above)
- Learn more about T Wallet →
- Explore TPay Features →
- Create account online →
- Avail Internet Banking online →
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