To Visa/Mastercard
Card transfer for personal use. Visa/Mastercard accepted at hotels in Thimphu and Paro. Bank of Bhutan ATMs dispense BTN throughout the country. Check with an ATM24 manager for the current route
- BOB
- BNB
- T Bank Bhutan
BhutanBTNBhutanese Ngultrum
BTN (Bhutanese Ngultrum) has been pegged to the Indian rupee at 1:1 since 1974 - Bhutan is the only country in the world with such a currency peg. Russians transfer money to Bhutan for families, students and tourists through Bank of Bhutan (BOBB) via ATM24's SWIFT route.
The route, the receiving bank and the payout amount are agreed before payment.
BTN to a bank account via SWIFT. ATM24 conducts international transfers in Bhutanese Ngultrum (BTN) through available banking routes. For a transfer, you typically need the bank's SWIFT/BIC, account number and recipient's full name. Bhutan is a constitutional monarchy whose national currency, BTN, is strictly pegged to the Indian rupee (INR) at a rate of 1 BTN = 1 INR. Therefore, the BTN to US dollar rate essentially tracks the INR; the 2024 benchmark was around 1 USD = 83–85 BTN, but the current rate should be verified before the transfer. Leading banks in the country include the state-owned Bank of Bhutan and Bhutan National Bank (BNB).
Bhutan has not imposed its own sanctions against Russia; however, international transfers go through standard AML/KYC and compliance checks. ATM24 selects an available route in advance before payment. ATM24 commission starts from 0.9%; international transfer time is 2–5 business days.
Card transfer for personal use. Visa/Mastercard accepted at hotels in Thimphu and Paro. Bank of Bhutan ATMs dispense BTN throughout the country. Check with an ATM24 manager for the current route
SWIFT transfer - the main method for transfers to Bhutan. SWIFT: Bank of Bhutan (BOBB), Bhutan National Bank, Druk PNB. Details: SWIFT code + account number + name (no IBAN required). BTN accepted equally with INR (1:1 peg)
Cash for transactions in Bhutan. BTN dispensed by Bank of Bhutan and BNB throughout the country. INR accepted equally with BTN (1:1 peg by the Central Bank RMA). Details on cash withdrawal in Bhutan: check with an ATM24 manager
ATM24 transfers BTN from Russia to Bhutan upon request. The route is selected individually - submit your application through an ATM24 manager.
We accept RUB, USD, EUR and USDT — we pay out in BTN
RUB BTN
1.01per 1 RUB
10 000 ₽ = 10 126 BTNUSD BTN
89.84per 1 USD
100 $ = 8 984 BTNEUR BTN
99.06per 1 EUR
100 € = 9 906 BTNUSDT BTN
89.84per 1 USDT
100 USDT = 8 984 BTN| You send | Payout in BTN |
|---|---|
| 100 USDT | 8 984 BTN |
| 300 USDT | 26 952 BTN |
| 500 USDT | 44 920 BTN |
| 1 000 USDT | 89 839 BTN |
| 5 000 USDT | 449 197 BTN |
Where recipients usually get the money in Bhutan
T Bank Bhutan — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
SWIFT: to be confirmed; Accepts RU transfers: Check with ATM24 manager
BDBL Bhutan Development Bank — a development bank or specialist financial institution commonly associated with project finance, accounts, and targeted programs.
National currency
The national currency is the Bhutanese Ngultrum (BTN), which has been strictly pegged to the Indian rupee at a rate of 1 BTN = 1 INR since 1974.
Card systems
Visa and Mastercard are accepted at major hotels and tourist attractions. Most transactions in the country are conducted in cash using ngultrum. BOB e-Wallet (Bank of Bhutan) and Bhutan Pay are developing as systems for domestic transfers.
Payment applications
The Indian rupee (INR) is also legal tender in Bhutan and is widely used alongside BTN.
Interbank transfers
Royal Monetary Authority of Bhutan (RMA) - the central bank and principal financial regulator of the country.
Financial regulator
The BTN to US dollar rate essentially tracks the INR: the 2024 benchmark was around 1 USD = 83–85 BTN/INR, so using it as current without verification is not advisable.
Special features for ATM24
Bhutan's Ngultrum (BTN) is pegged to the Indian rupee (INR) at a 1:1 ratio. International transfers to Bhutan typically go in USD via SWIFT - conversion to BTN takes place locally. Bhutan National Bank and Bank of Bhutan are the main banks for receiving transfers. Bhutan does not apply sanctions against Russia; ATM24 verifies the route before confirming the application.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
Real stories from real people
Trustpilot
Excellent service and always the best rate. Thanks to manager Emil
Read full reviewInitially I found the service in Google search through an ad banner. I went to read reviews on Yandex and Google, saw that on the maps there is only 1 point in Phuket and it's some kind of ATM. And the reviews are all 5 stars. There are photos, instructions, a website and everything seems to look nice, but it seems that making a website isn’t that hard, reviews can be bought along with photos. I decided to check it myself anyway (because I needed baht and the only thing to exchange was rubles on a card from a Russian bank). I checked, exchanged 5000 baht and everything works smoothly, maybe I'll use them again during my trip, since this time was a test for me. Special thanks to manager Stanislav for the help (I learned the manager’s name in the messenger after the exchange was completed). Upd: exchanged a second time for a larger amount, everything also went smoothly and at a rate not very different from the bank rate.
Read full reviewExcellent service. Manager Egor explained everything quickly and clearly.
Read full reviewTrustpilot
Exchanged rubles for bahts via SPB. Received within half an hour. Manager Egor helped with the exchange, thanks.
Read full reviewYandex
I exchanged cashless rubles for baht via an ATM in Pattaya. Everything went well, I received clear, understandable instructions from manager Egor in the chat. Decent rate, much more advantageous than usual physical exchange offices.
Read full reviewYandex
everything quickly, no cheating, I recommend, thank you very much to the personal manager, Alisa, she explained everything politely and clearly.
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
Country not found
Frequently asked questions about transfers from Russia to Bhutan (BTN) and about this country.
Sending money to Bhutan with payout in BTN works best when the Bhutan BTN payout route is checked before the sender pays. ATM24 verifies the route through a bank such as Bank of Bhutan or Druk PNB Bank, confirms the final payout amount, and shows the fee and timing in advance. Bank-route examples for Bhutan: Bank of Bhutan, Bhutan National Bank, Druk PNB Bank, TBank Bhutan, and Bhutan Development Bank.
Yes, where available, the recipient can receive a transfer on a bank-issued card or bank account in Bhutan in BTN on the Bhutan BTN payout route. ATM24 checks the bank, card or account number, recipient name, and payout currency before payment; Visa, Mastercard, UnionPay, or local bank-card availability depends on the route. For example, Bhutan National Bank may require a different set of details than TBank Bhutan, so card and account routes are confirmed separately. Bank-route examples for Bhutan: Bank of Bhutan, Bhutan National Bank, Druk PNB Bank, TBank Bhutan, and Bhutan Development Bank.
Banks for a BTN transfer to Bhutan should be checked by the recipient's actual route; common references include Bank of Bhutan, Bhutan National Bank, Druk PNB Bank, TBank Bhutan, and Bhutan Development Bank. ATM24 reviews bank name, account format, recipient-name spelling, and payout currency before the sender pays. A different bank can require a separate check.
To prepare a BTN payout in Bhutan, start with the exact recipient name and receiving route. ATM24 checks Bhutan National Bank, Druk PNB Bank, card or account details, and any route-specific field before payment. The manager clarifies missing data before the order is paid. Bank-route examples for Bhutan: Bank of Bhutan, Bhutan National Bank, Druk PNB Bank, TBank Bhutan, and Bhutan Development Bank.
A money transfer to Bhutan in BTN can begin from 15 minutes, but timing is route-based. ATM24 checks recipient details, amount, and banks such as Druk PNB Bank or TBank Bhutan. Documents or bank review can extend the processing time. Bank-route examples for Bhutan: Bank of Bhutan, Bhutan National Bank, Druk PNB Bank, TBank Bhutan, and Bhutan Development Bank.
ATM24 calculates a transfer fee from 0.9% for payouts to Bhutan in BTN. The final figure depends on the Bhutan BTN payout route, amount, payment method, bank such as Bhutan National Bank, and whether the recipient receives money on a card or account. The sender sees the final payout amount before paying. Bank-route examples for Bhutan: Bank of Bhutan, Bhutan National Bank, Druk PNB Bank, TBank Bhutan, and Bhutan Development Bank.
Payment for a BTN transfer to Bhutan can be arranged through an available sender method after ATM24 checks the receiving route. The check includes the Bhutan BTN payout route, bank such as Druk PNB Bank, fee from 0.9%, and exchange conditions. USDT network cost or card-issuer charges are confirmed separately. Bank-route examples for Bhutan: Bank of Bhutan, Bhutan National Bank, Druk PNB Bank, TBank Bhutan, and Bhutan Development Bank.
The minimum transfer amount to Bhutan in BTN through ATM24 starts from 100 USD or the equivalent. The maximum amount is confirmed before payment and depends on the Bhutan BTN payout route, sender payment method, bank, recipient details, and possible document requirements. If the recipient changes Bank of Bhutan to another bank or switches from account to card, the limit should be checked again. Bank-route examples for Bhutan: Bank of Bhutan, Bhutan National Bank, Druk PNB Bank, TBank Bhutan, and Bhutan Development Bank.
A large BTN payout to Bhutan can need document checks when the amount, bank, or recipient route requires it. ATM24 reviews Bank of Bhutan, Bhutan National Bank, Druk PNB Bank, TBank Bhutan, and Bhutan Development Bank with sender ID, source-of-funds details, and payment purpose if needed. The sender receives the checklist before payment. Bank-route examples for Bhutan: Bank of Bhutan, Bhutan National Bank, Druk PNB Bank, TBank Bhutan, and Bhutan Development Bank.
For a 1000 USD transfer to Bhutan, the live BTN estimate depends on the current ATM24 route: 89,839.31 BTN. ATM24 calculates fee from 0.9%, exchange conditions, and the recipient route through Bank of Bhutan or Bhutan National Bank. The final BTN amount is fixed before payment. Bank-route examples for Bhutan: Bank of Bhutan, Bhutan National Bank, Druk PNB Bank, TBank Bhutan, and Bhutan Development Bank.
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