Bhutan National Bank review

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

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Our verdict

Bhutan National Bank lends directly to Bhutanese individuals who have fixed collateral and a reliable income, and it suits borrowers planning a large one-off cost. Borrowing runs to BTN 500,000 at an APR of 11% to 14%, repaid over 60 on a fixed rate model.

Key facts

Best for
A collateral-backed personal loan at a fixed rate, arranged with the bank itself.
APR
11% to 14% (Source, checked September 26, 2026)
Loan amount
BTN 500,000 (Source, checked September 26, 2026)
Term
60 months (Source, checked September 26, 2026)
Arrangement fee
Nu. 200 loan application charge; Nu. 500 credit information charge for loan applicant (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Any Bhutanese individual having adequate fixed collateral with reliable source of income (Source, checked September 26, 2026)
Loan types
Personal, Secured, Guarantor (Source, checked September 26, 2026)
Legal entity
Bhutan National Bank Limited (Source, checked September 26, 2026)
Headquarters
Bhutan (Source, checked September 26, 2026)
Founded
1980 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre, Chat (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
bnb.bt

Mortgages

Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Bhutan National Bank Limited (Source, checked September 26, 2026)
Headquarters
Bhutan (Source, checked September 26, 2026)
Founded
1980 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre, Chat (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
Xfacebook.com

Pros and cons

Pros

  • Loans reach BTN 500,000, large enough to cover a substantial one-off cost rather than small top-ups.
  • The personal, secured and guarantor range covers personal, secured and guarantor borrowing under one roof.
  • The bank lends direct, so the terms you agree come from the lender with no broker in the middle.
  • Support runs through phone, email and help centre, and the bank has traded since 1980.

Cons

  • An APR of 11% to 14% puts you above the cheaper quarter of lenders here, which sit at 6.13%.
  • An application charge and a credit information charge apply to the borrower on top of the rate.
  • The rate type is listed as variable, so the bank can move your rate.
Bhutan National Bank

Ready to try Bhutan National Bank?

Scored 9.3 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers with fixed collateral and a reliable income, since eligibility rests on both.
  • People planning a large purchase, given the BTN 500,000 ceiling.
  • Borrowers comfortable with a hard credit check, as that is the only route in.

Who should look elsewhere

  • Not for you if the lowest possible rate matters most: Cashspace ES lists an APR of 0%, while Bhutan National Bank charges 11% to 14%.
  • Not for you if Cashspace's PHP 12 to PHP 36 range fits your budget better and putting up collateral is not workable.
  • Not for you if you want a wider rate choice than 11% to 14%, since Monzo Flex spans 10% to 23%.

How Bhutan National Bank compares

Where Bhutan National Bank is available

Available
Bhutan

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

Frequently asked questions

What rate would I pay on a Bhutan National Bank loan?+

Interest runs at an APR of 11% to 14%, and the pricing sits on a fixed rate model. Because the bank lends direct, those terms come from the lender rather than a broker. For perspective, the typical rate across the site is 12%.

What fees sit on top of the interest?+

There is a small loan application charge and a credit information charge for the applicant. Neither is given as a rate, so ask the branch for the exact amounts before you sign. Everything else you pay sits inside the APR of 11% to 14%.

Who can apply for this loan?+

You need to be a Bhutanese individual with adequate fixed collateral and a reliable source of income. That collateral is what the hard credit check is weighed against, and the same assets sit behind the balance while you repay.

How much can I borrow and how long do I have to repay?+

Loans run to BTN 500,000 with a repayment term of 60. That is a longer stretch than the typical term of 36 across the site, which keeps monthly payments manageable, though a longer term means more interest over the life of the loan.

Is the rate fixed for the whole loan?+

The loan is priced on a fixed rate model, and the rate type is recorded as variable. In practice that pairing points to a steady monthly repayment, but you should still ask whether the bank can change the rate while the loan runs.

How do I get help once I have applied?+

You can reach the bank through phone, email and help centre, and it has operated as Bhutan National Bank Limited since 1980. A long trading history helps with confidence, but day-to-day service still comes down to the branch handling your application.

Is a guarantor loan available?+

The bank lists personal, secured and guarantor under its lending, so personal, secured and guarantor borrowing all sit in the same place. The secured route asks for fixed collateral, while the guarantor route leans on whoever stands behind you.

How does this compare with the other options here?+

Cashspace ES quotes an APR of 0%, Cashspace runs PHP 12 to PHP 36, and Monzo Flex sits at 10% to 23%. Bhutan National Bank's 11% to 14% is the only one of the set backed by collateral, which is the trade-off you are weighing against headline cost.

Sources

  • bnb.bt/bank-service-charges checked September 26, 2026

    Backs: Credit check, Arrangement fee

  • bnb.bt/history checked September 26, 2026

    Backs: Founded, Legal entity

    “1980 - 1997: 6th January opened for business. Converted to BNB, first financial institution to float IPO on 2nd September,1996.”

  • bnb.bt/interest-rates checked September 26, 2026

    Backs: Support channels, Term

    “Dial 6070; contact@bnb.bt; Get in Touch with our contact center team through WhatsApp; FAQs”

  • bnb.bt/personal-loan checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Headquarters, Lender type, Loan types, Pricing model, Rate type

    “50% - 70% of the value of securities or Nu. 500,000.00, whichever is lower.”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time, Representative example.

Bhutan National Bank

Bhutan National Bank

A collateral-backed personal loan at a fixed rate, arranged with the bank itself.

9.3/10See alternatives

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