Cheque Book Charges
Current Account
| Particulars | Bank charges |
|---|---|
| 50 leaves of CA cheque book | Nu.50 |
| 25 leaves of CA cheque book | Nu.25 |
| Personalized CD cheque book | Nu.200 |
| Personalized SB cheque book | Nu.200 |
Savings Account
| Particulars | Bank Charges |
|---|---|
| First Cheque book | First SB cheque book free |
| Subsequent issuance | Nu.1 per Cheque-leaf |
Cheque Return Charges
Within Bank
| Particulars | Bank Charges |
|---|---|
| Cheque returned for insufficent funds | For the 1st & 2nd offence, Nu.300 +10% of the cheque value per instance, to be charged to the issuer of cheque. |
| For 3rd offence and thereafter, Nu.500+10% of the cheque value and the cheque facility to be disabled for 3 years.To be charged to the issuer of the cheque. |
Inter Bank
| Particulars | Bank Charges |
|---|---|
| Presentment of cheque | No charge |
| Cheque returned for insuffcient funds | For the 1st & 2nd offence, Nu.300 +10% of the cheque value per instance, to be charged to the issuer of cheque. |
| For 3rd offence and thereafter, Nu.500+10% of the cheque value and the cheque facility to be disabled for 3 years.To be charged to the issuer of the cheque. | |
| Cheque returned for no endorsement by the bank | Nu.100.To be charged on the acquiring bank and not on the customer. |
| Late delivery of the delivery statement | Nu.100.To be charged on the acquiring bank and not on the customer. |
| Second presentment | No charge |
| Presentment of the postdated cheques | Nu.100.To be charged on the acquiring bank and not on the customer. |
| Presentment of stale dated cheques | Nu.100.To be charged on the acquiring bank and not on the customer. |
In addition,mandate banks to call and inform the issuing bank before accepting high value cheques.
TT/ DD/ Manager’s Cheque
| Bank Charges | |
|---|---|
| Slab | Charges |
| Up to Nu. 100,000 | Max. Nu. 35 |
| Nu. 100,001 till Nu.1,000,000 | Nu. 2.00 per 1,000 (Min Nu. 35 and Max Nu. 2,000) |
| Above Nu.1,000,000 | Nu. 1.75 per 1,000 (Min. Nu 2,000 & Max. Nu. 15,000) |
Foreign Exchange Service Charges
D0cumentary Letter of Credit – Import (Both Foreign Currency & Indian Rupee)
| Bank Charges | |
|---|---|
| Bill charge | 0.15% (Min. Nu. 250) as opening commission |
| Commitment charge | 0.75% on actual number of days up to the validity of the credit (Min 250) |
| Usance charge | 1.00% on actual number of days up to the validity of the credit (Min Nu. 250) |
Foreign Currency Remittances (Transfer Via SWIFT)
| Bank Charges | |
|---|---|
| Transfer via Swif | 0.20% (min. Nu. 500) plus transmission charges of Nu. 500 for TTs & Nu. 1000 for LCs |
| Inward TT/SWIFT remittance | Free of Charge |
| Postage charge | Actual basis |
Purchase / Sale Of USD Travelers Cheques
Purchase/sale of USD travelers Cheques : Commission @ 1% on Ngultrum equivalent value
General Charges
| Bank Charges | |
|---|---|
| Loan application | Nu. 200 |
| Commitment fee/charges on unutilized amount of OD & WC | 0.1% |
| Statement charges if required for more than once in a month | Nu. 5 per page |
| Stop payment charge for cheques and drafts | Nu. 50 per instrument |
| No due/Demand Certificate | Nu.50 |
| Presentation of usance bill for acceptance | Nu. 20 |
| Inquiry relating to old records of more than 12 months | Nu. 100 per item |
| Cancellation/issuance of duplicate/ revalidation of drafts | Nu. 100 per instrument |
| Postage | Actual basis |
| Telephone | Actual basis |
SERVICE CHARGE ON BANK ACCOUNT AND MAINTENANCE OF MINIMUM BALANCE
| Bank Charges | |
|---|---|
| Savings account | Max. Nu. 150 as annual account maintenance fee |
| Current account | No maintenance fee |
| Minimum balance in saving a/c | Minimum balance not required |
| Minimum balance in current a/c | Nu. 1,000 |
CHARGES RELATING TO CREDIT INFORMATION
| Particulars | Charges |
|---|---|
| Loan Applicant | Nu. 500 |
| Guarantor | Nu. 300 |
Charges for ATM Usage
Bank’s Own ATM (On-Us transaction)
| Particulars | Bank charges |
|---|---|
| Financial(Cash withdrawal) | Free of Charge |
| Non-Financial(Balance enquiry statement print,PIN change) | Free of Charge |
Other Banks’ ATM (Off-Us transaction)
| Particulars | Bank Charges |
|---|---|
| Financial(Cash withdrawal) | First five(5) transactions free of charge |
| Sixth transaction-Customer are charged Nu.9 | |
| Sixth transaction-Banks are charged Nu.9 | |
| Non-Financial(Balance enquiry statement print,PIN change) | Banks are charged Nu.5 per transaction. |
Charges for POS
| Particulars | Bank Charges |
|---|---|
| Charges for using Banks own PoS | No charges, other than Normal Merchant Fees |
| Charges for using other banks PoS domestic | Banks charges Nu.12 per transaction. |
BIRT
| Particulars | Bank Charges |
|---|---|
| BULK | Free for both Inward and Outward |
| BITS | |
| Inward | Free |
| Nu.20 per Transaction | |
| Up to Nu.1,000,000 | |
| RTGS | |
| Inward | Free |
| Nu.1000,000 and above | Nu.50 per transaction |
Bank Mobile App-based Fund Transfer System Limits and Charges
| Particulars | Max Limit | Charges |
|---|---|---|
| Inter Bank and Within Bank | 1000,000 | Free of Charge |
Bank Guarantee Fees
1. EMD/Bid Security
| SI No. | Limits | Fees(Nu.) |
|---|---|---|
| i. | Up to Nu. 250,000 | 1,000 |
| ii. | Above Nu. 250,000 to Nu. 500,000 | 2,000 |
| iii. | Above Nu. 500,000 to Nu. 1,000,000 | 3,500 |
| iv. | Above Nu. 1,000,000 | 5,000 |
2. Performance and other guarantees (Inland)
| SI No. | Limits | Fees(Nu.) |
|---|---|---|
| i. | Up to Nu. 10 Mn | 2.75% p.a for actual no. of days |
| ii. | Above Nu. 10 Mn to Nu. 40 Mn | 2.00% p.a for actual no. of days |
| iii. | Above Nu. 40 Mn to Nu. 80 Mn | 1.50% p.a for actual no. of days |
| iv. | Above Nu. 80 Mn | 1.00% p.a for actual no. of days |
3. Foreign Guarantee Fees: 2.00% p.a
Effective from 1st January 2026, all our charges will increase by 5% (GST Component, as mandated by the Department of Revenue and Customs)
