BhutanBTNBhutanese Ngultrum

Money Transfer to Bhutan

  • We lock the rate before payment
  • More than 100 transfers every day
  • Support at every stage of the transfer
90.91 BTNper 1 USDT+0.07% over 24hCalculation refreshed today at 06:491 USDT = 90.91 BTNOfficial rate; the final rate in the request may differ.
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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.

How to transfer money from Russia to Bhutan

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).

Bank checks and transfer conditions

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.

Ways to transfer money to Bhutan

Pick the way that suits the recipient — we agree the route and the details before payment

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

To BTN bank account

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)

  • Timeline: 2-5 business days
  • BOB
  • BNB
  • T Bank Bhutan

Cash BTN/INR

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

  • Thimphu
  • Samtse
  • Trongsa

ATM24 transfers BTN from Russia to Bhutan upon request. The route is selected individually - submit your application through an ATM24 manager.

Rates and cost of a transfer to Bhutan

We accept RUB, USD, EUR and USDT — we pay out in BTN

Reference rate for today

  • RUB BTN

    1.01per 1 RUB

    10 000 ₽ = 10 141 BTN
  • USD BTN

    90.91per 1 USD

    100 $ = 9 091 BTN
  • EUR BTN

    103.06per 1 EUR

    100 € = 10 306 BTN
  • USDT BTN

    90.91per 1 USDT

    100 USDT = 9 091 BTN

What the recipient gets — at 1 USDT = 90.91 BTN

You sendPayout in BTN
100 USDT9 091 BTN
300 USDT27 274 BTN
500 USDT45 457 BTN
1 000 USDT90 913 BTN
5 000 USDT454 567 BTN
Reference values update automatically. The final fee and rate are locked in the request before payment.

Banks and payment infrastructure — Bhutan

Where recipients usually get the money in Bhutan

  • T Bank Bhutan

    T Bank Bhutan — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.

  • Druk PNB Bank

    SWIFT: to be confirmed; Accepts RU transfers: Check with ATM24 manager

  • BDBL

    BDBL Bhutan Development Bank — a development bank or specialist financial institution commonly associated with project finance, accounts, and targeted programs.

How payments work in Bhutan

  • 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.

How the transfer works to Bhutan

Three steps from request to payout

  1. Step

    Send a request

    Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route

  2. Step

    Agree the route

    We check the recipient details and confirm the route, rate, fee and payout amount

  3. Step

    Pay for the transfer

    Once paid, the transfer goes out along the agreed route — we report the status in the messenger

What to prepare for the transfer

To BTN bank account

  • SWIFT: Bank of Bhutan (BOBB), Bhutan National Bank, Druk PNB
  • Details: SWIFT code + account number + name (no IBAN required)

We verify the exact details when agreeing the available route before payment.

Why people choose ATM24

Facts, not promises

No surprises on the rate

You see the rate, the fee and the payout amount before you send the money.

Request to BhutanLocked in
Rate
1 USDT = 90.91 BTN
Payout method
Bank transfer
Payout currency
BTN
The rate and the amount are locked when the request is confirmed and do not change afterwards.

Terms are known before payment

The route, rate, fee and payout amount are agreed before payment.

  • Route
  • Rate
  • Payout amount

Cash payout

Reference cities with payout locations. Availability of a specific location is confirmed in the request.

  • Thimphu
  • Samtse
  • Trongsa

Confirm the city before payment

Available payout options

Only methods present in both the country description and the current route are shown.

You send
  • RUB
  • USD
  • EUR
  • USDT
BTN
They receive
  • Bank transfer
  • Cash
  • MoneyGram
  • Western Union

Customer reviews

Real stories from real people

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Everything as agreed. Clear and on time. Manager Emil, courier Dmitry. Thanks.

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Transfers to other countries

We agree the rate and the payout method before payment — pick where the money goes.

Questions about Bhutan and transfers

Frequently asked questions about transfers from Russia to Bhutan (BTN) and about this country.

How can I send money to Bhutan with payout in BTN through ATM24?

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.

Can the recipient receive a transfer on a card or bank account in Bhutan in BTN?

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.

Which banks can receive a transfer to Bhutan in BTN?

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.

What recipient details are needed to send money to Bhutan in BTN?

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.

How long does a money transfer to Bhutan in BTN take?

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.

What is the fee for sending money to Bhutan with payout in BTN?

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.

Can I pay by international card, bank transfer, or USDT while the recipient receives BTN in Bhutan?

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.

What is the minimum and maximum transfer amount to Bhutan in BTN?

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.

What documents are needed for a large transfer to Bhutan in BTN?

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.

How much will the recipient get in BTN if I send 1000 USD to Bhutan?

For a 1000 USD transfer to Bhutan, the live BTN estimate depends on the current ATM24 route: 90,913.38 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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Send money to Bhutan with ATM24

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