T Bank review

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

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Our verdict

T Bank lends directly in Bhutan, offering collateral-backed personal loans of up to BTN 500,000 at a variable 12.5%. It suits borrowers with fixed assets to pledge and a confirmed source of income, and fits less well for anyone without collateral or who wants a fixed rate.

Key facts

Best for
Borrowing secured against fixed assets in Bhutan.
APR
12.5% (Source, checked September 26, 2026)
Loan amount
up to BTN 500,000 (Source, checked September 26, 2026)
Term
60 months (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Customers who can offer fixed assets as collateral with confirmed source of income; citizenship identity card of applicant and (if applicable) guarantor required (Source, checked September 26, 2026)
Loan types
Personal, Secured, Guarantor, Car, Student, Business (Source, checked September 26, 2026)
Legal entity
T Bank Ltd (Source, checked September 26, 2026)
Headquarters
Bhutan (Source, checked September 26, 2026)
Founded
2010 (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)
Official website
tbank.bt

Apps and profiles

Elsewhere
X

Pros and cons

Pros

  • You deal with the lender directly, with no broker in between, on lending of up to BTN 500,000
  • Rate is variable at 12.5%, and terms run 60
  • Lends across personal, secured, guarantor, car, student and business borrowing
  • Support runs on phone and email

Cons

  • Collateral is required: you need fixed assets and a confirmed source of income
  • The rate is variable, so your payments can move over 60
  • Support runs on phone and email only, with no live chat or help centre listed
T Bank

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Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Borrowers in Bhutan who can pledge fixed assets as collateral
  • Customers with a confirmed source of income and a citizenship identity card
  • Anyone needing a personal, secured, guarantor, car, student or business loan from a direct lender

Who should look elsewhere

  • Borrowers with no collateral to offer, where Cashspace or Cashspace ES may suit better
  • Anyone who needs a fixed rate, since Monzo Flex is listed with a different rate structure
  • Customers who want live chat support, as T Bank lists phone and email

How it compares on our data

On APR, T Bank sits at 187 out of 350 brands, so its 12.5% sits well back from the cheapest lenders tracked. On term it ranks stronger, at 57 out of 232, which matches the 60 term it offers. Shorter repayment and a direct lender relationship are the trade-offs here; the rate is the weaker side.

The company behind it

T Bank is T Bank Ltd, a direct lender based in Bhutan and founded in 2010. It is supervised by the Royal Monetary Authority of Bhutan. Contact runs on phone and email, so reaching the bank means a call or an email rather than live chat or a self service help centre.

How T Bank compares

Where T Bank is available

Available
Bhutan
Licence in Bhutan
Royal Monetary Authority of Bhutan, checked September 26, 2026

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

Frequently asked questions

What rate does T Bank charge on a personal loan?+

The published rate is 12.5% and it is variable, not fixed, so the figure can move over the life of the loan. T Bank is a direct lender, which means you deal with the bank itself rather than a broker. Ask for the current rate before you sign.

How much can I borrow from T Bank?+

Borrowing runs to up to BTN 500,000 under the personal loan terms. The loan is secured, so what you can raise depends on the fixed assets you can offer as collateral. Larger sums are easier to justify when the pledged assets are valuable.

Do I need collateral for a T Bank loan?+

Yes. Customers must be able to offer fixed assets as collateral and show a confirmed source of income. A citizenship identity card is required for the applicant and for a guarantor where one is involved. Borrowers without assets to pledge should look elsewhere.

What term do I have to repay over?+

The stated term is 60. Because the rate is variable, your repayments can change over that period even though the term itself is fixed. Repaying early is worth asking about before you commit.

Is T Bank regulated?+

Yes. T Bank is supervised by the Royal Monetary Authority of Bhutan, and it operates from BT. The lending business is run by T Bank Ltd, a direct lender founded in 2010.

Which kinds of loan does T Bank offer?+

The range covers personal, secured, guarantor, car, student and business borrowing. A guarantor-backed route exists where a guarantor can provide the identity card the bank asks for. That gives more options than a personal loan alone.

How do I contact T Bank?+

Support runs on phone and email, so phone and email are the listed routes. There is no live chat or help centre named, so a call is the practical option for complicated questions. Keep your collateral details to hand before you ring.

Who does a T Bank loan suit?+

It suits borrowers in Bhutan who hold fixed assets and a confirmed income, and who are comfortable with a variable rate over 60. It fits less well if you have nothing to pledge or you want a fixed rate and a shorter commitment.

Sources

  • tbank.bt/about-us checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Licences

    “The bank officially began its operations on 12th March 2010 with the opening of its Corporate Office and a branch in Thimphu.”

  • tbank.bt/contact-us checked September 26, 2026

    Backs: Support channels

    “Thimphu Head Office ... Contact No: +975-77170099 ... Toll Free Number: 7070 ... contactcenter@tbank.bt”

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

    Backs: Loan amount, APR, Eligibility, Lender type, Rate type, Term

    “Personal Loan ... Maximum limit of Nu.500,000/- only.”

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

    Backs: Loan types

    “Personal Loan 5 12.50%; Mortgage Loan 5 12.00%; Education Loan 10 9.00%; Transport loan (light vehicle)-individual 5 10.00%”

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

Not confirmed yet: Arrangement fee, Credit check, Funding time, Representative example.

T Bank

T Bank

Borrowing secured against fixed assets in Bhutan.

8.9/10See alternatives

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