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.

Turning dreams into reality. Bank of Bhutan Establishment Loan enables a fresh employee who has started a new job to enhance his/her lifestyle. One can purchase various household items including furniture, home appliances, and kitchen items with this attractive loan, adding more comfort, convenience, and style to one’s life.


  • Any individual in their probation period except for private-sector employees.


General condition for guarantor applicable to all the eligible employee

  • Shall be Bhutanese Nationals and regular employee and shall stand liable for the loan till the liquidation of the loan.
  • Shall not stand as guarantor for more than three active loans (salary-based).
  • A spouse can stand as a guarantor for his/her spouse. However, if the applicant is a private or contract employee then the spouse should be a regular employee of Govt/DHI Owned companies.
  •  The guarantor should be in the service for 3 years or more.
Sl. NoEligible BorrowerGuarantor requirement
1Regular employees1. e-PEMS(A guarantor is not required).
2. Non-e-PEMS (EMI remitted from the office)  A guarantor of equal or higher grade from the same office/ Ministry is required.


Maximum of Nu. 50,500.00 (Fifty Thousand Five Hundred only).


2 Years Maximum.


CLICK HERE to view the Floating/Prevailing interest rate.


  • Application form duly filled by the applicant and signed on all the pages (full signature) – For walk-in customers only.
  • Copy of valid Citizenship Identity (CID) of both the applicant and guarantor (if applicable).
  • One recent passport-size photo of the applicant.
  • The latest original pay slip of the applicant and guarantor (if applicable) duly filled, signed, and sealed by the salary disbursing officer & recommendations.
  • Copy of appointment order or promotion order of the applicant and guarantor (if applicable).
  • Recommendation letter duly signed and sealed by Head of Department, salary disbursing officer, and the applicant