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.

Home Interest & Service Charges Service Charges

Service Charges

DRAFTS/BANKERS CHEQUE CHARGES

Sl/No.LimitINR REMITTANCE/MCC DRAFTS(INDIA)
aUp to Nu.100,000Nu. 35 /-
bNu. 100,001 to 1,000,000Nu. 2.00 per 1,000 (Min Nu.35 and Max Nu.2,000)
cAbove Nu. 1,000,000Nu. 1.75 per 1,000 (Min. Nu.2,000 & Max. Nu.15,000)
Sl/No.LimitTT/BANKERS CHEQUE(WITHIN BHUTAN)
aUp to Nu. 100,000Nu. 35 /-
bNu. 100,001 to 1,000,000Nu. 2.00 per 1,000 (Min Nu. 35 and Max Nu. 2,000)
cAbove Nu. 1,000000Nu. 1.75 per 1,000 (Min. Nu. 2,000 & Max. Nu. 15,000)
CANCELLATION/ ISSUANCE OF DUPLICATE/ RE-VALIDATION OF DRAFTS
Nu. 100 /- per instrument
STOP PAYMENT CHARGE FOR DRAFT
Nu. 50 per instrument
DD PURCHASE – BOTH GOVERNMENT & PUBLIC
Max. Nu. 100
OC PURCHASE- BOTH GOVERNMENT & PUBLIC
0.5% of value (Max. Nu. 20,000)
COLLECTION OF CHEQUES AND DRAFTS WITHIN BHUTAN
Free of  charge

FOREX SERVICE CHARGES

1 . DOCUMENTARY LETTER OF CREDIT-IMPORT (BOTH FOREIGN CURRENCY & INDIAN RUPEE)TT/BANKERS CHEQUE(WITHIN BHUTAN)
a Bill charges Nu. 35 /-
b Nu. 100,001 to 1,000,000 Nu. 2.00 per 1,000 (Min Nu. 35 and Max Nu. 2,000)
c Above Nu. 1,000,000 Nu. 1.75 per 1,000 (Min. Nu. 2,000 & Max. Nu. 15,000)
12 . COLLECTION – IB/CBC (IN FC)
a IB including immediate credit 1% (Min. Nu.75)
b CBC – CHEQUES/DRAFTS SENT ON COLLECTION BASIS (IN FC)  
IUp to Nu. 10,000Nu. 40 /-
IINu. 10,001 to 100,000Nu. 4 /- per 1000 & Min. Nu. 40
IIAbove Nu.100,0000Nu. 3.50/- per 1000 & Min. Nu. 400 & Max. Nu. 10,000
3 . PURCHASE/SALE OF USD TRAVELLERS CHEQUES
a Purchase/sale of USD travellers cheques Commission @ 1% Nu. on equivalent value
4 . REMITTANCES (IN FC)
a Drafts up to FC 1000.00 0.25% (Min. Nu. 100)
b Drafts above FC 1000.00 0.25% (Min. Nu. 250)
c Transfer via SWIFT 0.20% (Min. Nu. 100) plus transmission charges of Nu. 500 for TTs & Nu. 700 for LCs
d Inward TT/ SWIFT remittance Free of Charge
e Outward TT/SWIFT remittance 0.20%
f Postage Charge Actual Postal fee (Nominal Nu. 200)
SERVICE CHARGE ON BANK ACCOUNT AND MINIMUM BALANCE
a Savings account Nu. 150 as annual account maintenance fee and minimum balance not required
b Current Account No maintenance fee but levy charges on Cheque Books
c Minimum balance to open Savings Account Nu. 500 /-
d Minimum balance in Current Account Nu. 1000 /-
e Unique Account Number Registration fee of Nu. 1999/- and Annual fee of Nu. 2000/- (inclusive of the existing annual maintenance charge of Nu. 150)
CHEQUE BOOK CHARGES FOR CURRENT ACCOUNT
a First CD cheque book (50 Leaves) Free of Charge
b Subsequent issuance Nu. 50 /-
c Personalized CD cheque book Nu. 200 /-
CHEQUE BOOK CHARGES FOR SAVINGS ACCOUNT
a First SB cheque book (25 Leaves) Free of Charge
b Subsequent issuance Nu. 25 /-
c Personalized SB Cheque book Nu. 100 /-
CHEQUE RETURN CHARGES INTRA BANK
a First Cheque book

Nu. 300 plus 10% of the cheque value for first offence

Nu. 300 plus 10% of the cheque value if a cheque is presented for the second time within six (6) months from the date of issue of the cheque.

Nu. 500 plus 10% of the cheque value if a same cheque is presented for the third time within six (6) months from the date of issue. The cheque facility to the account holder shall be disabled after third offence by the bank for three (3) years.
CHEQUE RETURN CHARGES INTER BANK
a Presentment of cheque No charge
b Cheque returned for insufficient funds

Nu. 300 plus 10% of the cheque value

Nu. 300 plus  10 %  of  the cheque value if the same cheque is presented for  the  second  time  within  six (6) months from the date of issue of the cheque.

Nu. 500 plus 10%of the cheque value if the same cheque is presented for the third time within six(6) months from  the date of  issue. The cheque facility for the account holder shall  be disabled after third offence by the bank for three (3) years.
c Cheque returned for  no endorsement by the bank Nu. 100 /-
d Late delivery of  delivery statement Nu. 100 /-
e Second presentment No charge
f Presentment of postdated cheque Nu. 100 /-
g Presentment of stale dated cheque Nu. 100 /-
STOP PAYMENT CHARGE FOR CHEQUE
Nu. 50 per instrument
CHARGES FOR USING BANKS OWN ATM (ON-US TRANSACTION)
a Financial (Cash withdrawal) Free of Charge
b Non-Financial (Balance enquiry, statement print, PIN change) Free of Charge
CHARGES FOR USING OTHER BANKS ATM (OFF-US TRANSACTION)
Sl. No. Description FS Interoperability for ATM Acquiring (ATM in Nu.)
a Cash Withdrawal / Purchase 9 /- after 5 free transaction in Month
b Mini Statement 5 /-
c PIN Change 5 /-
POS
a Charges for using Banks own PoS Free of Charge
b Charges for using other banks PoS domestic Banks are charged Nu.12 per transaction.
CHARGES ON BANK STATEMENT REQUEST
Nu. 10 /- per page for a printed Bank statement
CHARGES ON INQUIRY RELATING TO OLD RECORDS OF MORE THAN 12 MONTHS
Sl. No. Period/Duration Charges per record
a 1 year to less than 2 years Nu. 200 /-
b 2 years to less than 3 years Nu. 300 /-
c 3 years & above Nu. 500 /-
LOCKER – YEARLY RENT
a Small Nu. 1,000 /-
b Medium Nu. 1,200 /-
c Big Nu. 1,400 /-
d Large Nu. 2,000 /-
e Extra Large Nu. 2,400 /-
f Security Deposits Twice the rent
g Lost Keys Nu.500 /- plus actual cost of repair
SAFE CUSTODY – YEARLY FEE
a For Sealed Envelope Nu .200 /- p.a* per Lodgment (per Envelope)
b For Sealed Box (not exceeding size 20cm * 14cm * 9cm) Nu. 400 /- p.a* per Lodgment (per Box)
c Bank’s Own Deposit Receipts/ Documents Nill

BANK GUARANTEE CHARGES

1. INLAND BG CHARGES FOR EMD & BID GUARANTEE
Sl. No. Limits Fixed Rates
a Up to to Nu. 250,000 /- Nu. 500 /-
b Above Nu. 250,000 /- to Nu. 500,000 /- Nu. 1000 /-
c Above Nu. 500,000 /- to Nu. 1000,000 /- Nu. 2000 /-
d Above Nu. 1000,000 /- Nu. 3000 /-
2. INLAND BG CHARGES FOR PERFORMANCE AND OTHER
Sl. No. Limits Rates (%)
a Below Nu. 10 Million 3% p.a for actual no. of days (minimum Nu. 500 /-)
b Nu. 10 Million to less than 50 Million 2% p.a for actual no. of days (minimum Nu. 25,000 /-)
c Nu. 50 Million to less than 100 Million 1.5% p.a for actual no. of days (minimum Nu. 83,333 /-)
d Nu. 100 Million and above 0.75% p.a for actual no. of days (minimum Nu. 125,000 /-)
3. FOREIGN BG CHARGES FOR EMD & BID GUARANTEE
Sl. No. Limits Rates (%)
a Below Nu. 10 Million 2% p.a for actual no. of days (minimum Nu. 500 /-)
b Nu. 10 Million to less than 50 Million 1.5% p.a for actual no. of days (minimum Nu. 16,667 /-)
c Nu. 50 Million to less than 100 Million 1% p.a for actual no. of days (minimum Nu. 62,500 /-)
d Nu. 100 Million and above 0.5% p.a for actual no. of days (minimum Nu. 83,333 /-)
4. FOREIGN BG CHARGES FOR PERFORMANCE AND OTHER GUARANTEE
Sl. No. Limits Rates (%)
a Below Nu. 10 Million 3% p.a for actual no. of days (minimum Nu. 500 /-)
b Nu. 10 Million to less than 50 Million 2% p.a for actual no. of days (minimum Nu. 25,000 /-)
c Nu. 50 Million to less than 100 Million 1.5% p.a for actual no. of days (minimum Nu. 83,333 /-)
d Nu. 100 Million and above 0.75% p.a for actual no. of days (minimum Nu. 125,000 /-)
GIFT / BHUTAN INTER-BANK REAL TIME (BIRT) – Fund Transfer System
1 BULK Free for both Inward and Outward
2 BITS
  a. Inward Free of charge
  b. Up to Nu. 1,000,000 Nu. 20 flat transaction fee per transaction irrespective of amount up to Nu. 1 Million. BITS facilitates one to one funds transfer from Nu. 1 to Nu. 1 Million.
3 RTGS
  a. Inward Free of charge
  b. Above Nu. 1,000,000 Nu. 50 flat transaction fee per transaction  irrespective of amount above Nu. 1 Million. RTGS is high value funds transfer system Nu. 1 Million and above.