Caution

If you receive any calls (except from BoB Contact Center when you have lodged a concern with them +975 2 349903), SMS and Email asking for personal details such as Account number or ATM Card number, please do not share. Bank of Bhutan will never ask for personal details of clients. It’s all spam.

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goBoB

goBoB is a digital wallet powered by Bank of Bhutan Limited, enabling users to securely store funds and conduct diverse transactions, including recharges and merchant payments. Its core objective is to advance financial inclusion, encourage cashless payments, and integrate all citizens, including students into the financial ecosystem. Furthermore, goBoB facilitates seamless payment solutions for tourists, thereby enhancing their overall experience in Bhutan.

WHERE CAN I DOWNLOAD goBoB MOBILE APPLICATION FROM?
Always download goBoB app from authorized stores like PlayStore & AppStore. Just type “goBoB” and search to download and install.

AGE ELIGIBILITY
Anyone can register and use goBoB wallet including minors. However, minors between the ages of 10 and under 18 can use goBoB with minimal transaction rights only. The use of goBoB by minors contributes to the promotion of financial inclusion/literacy.

SECURITY
goBoB is a secure with multiple layers of validations. goBoB has multiple security features like MPIN/fingerprint login and TPIN to authorize any transactions. Any login attempts from new device will need OTP authorization. Please ensure that goBoB wallet credentials are kept strictly private & never shared with anyone. goBoB is certified and compliant with PCI DSS and ISO 9001:2015 standards.

FEATURES
With the goBoB, you can do the followings:

  • Wallet Balance Enquiry 
  • Pass Book for viewing latest transactions
  • Generate Statement
  • Add Money from Bank
  • Add Money from Cards
  • Send Money to any BoB Accounts
  • Pay Money through your Contacts
  • Pay Money via Beneficiary
  • Request and Send Money
  • Make QR payment to any Bank’s merchants
  • Top up your BT and TCell numbers
  • Split Bills
  • Cardless withdrawal
  • Refer goBoB to your friend and get rewards

BENEFITS OF USING goBoB WALLET

  • You do not need to have Bank accounts;
  • Enjoy the convenience of Merchant payment without carrying your wallet;
  • Get instant in-app notification for any amount and transactions.

DIFFERENT TYPES OF CUSTOMERS AND THEIR LIMITS?

NationalityCategoriesTransaction Limits
Bhutanese NationalMinimal KYC (KYC not verified)Daily Transaction Limit- Nu. 2,000 Daily Balance Limit- Nu. 5,000 Aggregated Monthly Limit- Nu. 10,000
Minor (10 years to less than 18 years)
  Full KYC (KYC verified)Daily Transaction Limit- Nu. 30,000 Daily Balance Limit- Nu. 50,000 Aggregated Monthly Limit- Nu. 100,000.  
Other NationalsTourist and Non-tourist (KYC verified with Dept. of Immigration)Daily Transaction Limit- Nu. 10 million Daily Balance Limit- Nu. 20 million Aggregated Monthly Limit- Nu. 50 million  

CHARGES FOR USING goBoB
Registration is free. There are no charges for other services except for adding money from cards and transfer to bank accounts. A convenience fee of 3.68% will be charged while loading your wallet using cards and 2.1% will be charged while sending money to the bank accounts.

HOW TO REGISTER FOR goBoB WALLET?
You can download the goBoB application and can register instantly. However, you can also visit nearest BoB branch offices to register for the service.

SELF REGISTRATION (BHUTANESE NATIONAL)
To avoid any inconvenience, please ensure that your personal information is correctly provided during the registration.

1. Download & launch goBoB App
2. Click on the ‘Sign Up Now’
3. Provide a Bhutan mobile number (Mandatory) and referral code (Optional). Ensure to provide the correct personal information to avoid any inconvenience later.
4. Properly read & understand the terms & conditions and click on ‘Sign Up’
5. Enter the six-digit One Time Passcode (OTP) sent to your mobile number. The OTP is valid for 3 minutes only.
6. After validation, the customer will receive default MPIN through SMS and the TPIN shall be set by the customer. MPIN is used to login and TPIN to authorize the transaction.

SELF REGISTRATION (OTHER NATIONALS)
Tourists can conveniently register for the goBoB wallet even before arriving in Bhutan. They can also load funds into the wallet using their cards, ensuring a safe and hassle-free travel experience. This allows tourists to connect and resolve any issue with banks prior to the travel to Bhutan. Providing the correct information during the registration will be critical to ensuring seamless experience.

The following are registration process:
1. Download & launch goBoB App
2. Click on the ‘Sign Up Now’
3. Select ‘Other National’ under Nationality and select as Tourist
4. Provide your local Mobile Number, Passport Number and Email address.
5. Properly read, understand & accept the terms & conditions and click on ‘Sign Up’
6. Verify & ensure that your personal details are correct and complete to avoid any inconvenience during KYC update and transaction processing.
7. Enter the six-digit One Time Passcode (OTP) sent over email. The OTP is valid for 3 minutes only.
8. After validation, the customer will receive the default MPIN through email and the TPIN shall be set by the customer. MPIN is used to login and TPIN to authorize the transaction.

KYC VERIFICATION (OTHER NATIONALS)
1. The tourist customer can load money into the wallet but will not be able to initiate any transactions from the wallet unless KYC is verified.
2. The Tourist KYC is verified with the Department of Immigration (DOI). Verification needs to be initiated by the customer through ‘Verify KYC’ option available under App’s settings.
3. KYC verification with DOI is instant. However, the customer must ensure that their personal information is correctly provided during the registration.
4. Upon successful KYC verification, the customer can initiate transactions in a seamless manner.

LIMIT ENHANCEMENT IN goBoB (BHUTANESE NATIONAL)
1. Open goBoB App
2. Go to “Settings”
3. Select “Request to enhance limit”
4. Enter details like Name, Date of birth, CID and Email address which must match with the registered record.
5. Tap on Arrow button
6. Clearly take a picture of your CID and enter T-PIN to submit the request
7. Upon successful verification, limit enhancement request will be processed.

ADD MONEY FROM INTERNATIONAL CARDS (VISA & MASTER)
1. Open goBoB App
2. Tap on the ‘Add Money’ option and select the ‘Cards’ option
3. Select the currency (INR or USD) and enter the amount (If selected USD, the prevailing exchange rate will be shown)
4. Tap on the arrow button
5. Enter TPIN (Enter card details on the Payment Gateway page)
6. Click on ‘Make Payment’ (OTP will be generated and sent to registered mobile number and/or email address registered with the issuer Bank)
7. Ensure to complete the transaction within 3 minutes after the card details are provided.

USE OF SCAN & PAY FUNCTIONALITY
1. Open goBoB App
2. Select Scan & Pay Option
3. Scan the QR Code
4. Review and confirm the transaction
5. Enter the T-PIN to authorize the payment

WALLET BALANCE REFUND REQUEST
Please note that the refund will be accepted & processed only if the amount was previously loaded using your card. 
1. Open goBoB App
2. Select ‘Send Money’ option
3.Choose the ‘Refund to Card’ Option
4. Enter the card number, select the currency (INR or USD), refund amount and email address.
5. Tap on Arrow button
6. Confirm the transaction details and enter the T-PIN to authorize.
7. Refund ID will be emailed once refund has been processed.

PRIVACY POLICY
CLICK HERE for goBoB Privacy Policy
CLICK HERE for goBoB Wallet Deletion/Closure Policy

Downloads / Links

goBoB Registration Form goBoB Change Request Form Limit Enhancement Form Deactivation Form Letter of Indemnity for Mobile Number Confirmation