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.

Notification on ATM Withdrawal Charge

All customers are requested to note that cash withdrawals from other bank’s ATM machines are chargeable @Nu 9/- per withdrawal transaction from the sixth transaction onwards, and is recovered at each month end. This is a common charge across banks and as mandated by the Central Bank.

Global Interchange for Financial Transaction (GIFT) system is a nationwide electronic fund transfer system for e-PEMS (electronic Public Expenditure Management System) and the general public, to facilitate transfer of funds from one Branch of a bank to any other bank branch within the country.

The GIFT payment system supports THREE types of payment services:


1. BITS (or Batched Settlement Service) – It enables high-value interbank fund transfer in a batched settlement cycle. Batch timing is set up by RMA and the maximum limit for transfer is Nu. 1,000,000/- (Ngultrum One Million Only).


2. RTGS (Real-Time Gross Settlement Service) – Payments are settled immediately in real-time and is an important payment system as it is used for high-value transactions which are above Nu.1,000,000/- (One Million and above).


3. Bulk Payment Service – Payment system which can handle bulk payment from a single account to multiple beneficiaries targeted mostly for institutional payments like salary, pension payments, loan repayments, etc.

Downloads / Links

Application Form