All merchants maintaining accounts with Bhutan National Bank accept payments via Quick Response (QR) code scans made by customers using mobile applications/ wallets of all Bhutanese banks (BNBL, BOB, TBank, BDBL, DPNB, and DK) and Indian Banks/ financial service providers (as long as they are enabled with Bharat Interface for Money Unified Payments Interface – BHIM UPI).  

All domestic QR code transactions are free of cost.

BHIM UPI Transactions

The QR codes issued by Bhutan National Bank are capable of accepting payments from UPI-enabled mobile banking apps from India, offering instant and seamless experience both for the customers and the merchants.

The following transaction fees/charges shall be payable by merchants when accepting UPI transactions:

1. Fee of 0.90% per transaction on the amount for transaction of Nu. 2,000 & less.
2. Fee of 1.2% per transaction on the amount for transaction of more than Nu. 2,000.

The fees are payable to National Payments Corporation of India (NPCI) in full and are subject to change from time to time in the future.

Please note that Indian app users need to enable/activate international payment on their UPI-enabled bank/wallet app to be able to scan BNB QR codes for payments.