Currency & Credit Cards

Currency & Credit Cards

The Currency

The Bhutanese currency is the Ngultrum (Nu). It is pegged 1:1 with the Indian Rupee (INR). 

• Indian Rupees: Widely accepted throughout Bhutan. However, only use Rs. 10, 20, 50, 100, and 500 notes. High-value Indian notes like the Rs. 2,000 are no longer in circulation.
• Exchange Rate: As of early 2026, 1 USD is approximately 91 BTN. For real-time rates, use the XE Currency Converter.
• Denominations: Both existing and new series notes are legal tender.
  • Banknotes: Nu. 1, Nu. 5, Nu. 10, Nu. 20, Nu. 50, Nu. 100, Nu. 500, and Nu. 1,000.
  • Coins are available in denominations of 5, 10, 25, and 50 Chhertum (Ch), as well as Nu. 1 coins, although coins are less commonly used in daily transactions.

Spending and Cards

Currency & Credit Cards are accepted differently depending on location:

• Credit/Debit Cards: Visa and MasterCard are now accepted at many hotels and large handicraft shops in Thimphu and Paro. Smaller shops still require cash.
• Digital Payments: Bhutan has shifted toward digital wallets. Tourists can often use the Bank of Bhutan (goBoB) app to pay via QR codes at many stores.
• ATMs: ATMs in Bhutan are in Paro, Thimphu, and Punakha, but they may not work or accept foreign cards. Always carry cash.

Exchanging Money

• You can exchange USD, EUR, or GBP at these locations:
• Paro Airport
• Bank of Bhutan
• Official money changers
• Pro Tip: Use new, clean $50 or $100 bills to get the best exchange rate. Smaller or older bills may receive a lower exchange rate.
• Requirement: You must show your Passport every time you exchange money.

Traveler’s Strategy

For a smooth trip, plan your Currency & Credit Cards usage in advance: exchange enough cash in Paro or Thimphu. ATMs and banks are scarce in central or eastern Bhutan. Manage your money and cards well to have an effortless trip. Always know where you can use your Currency & Credit Cards before traveling to remote areas.

Currency & Credit Cards in Bhutan are an essential aspect for travelers to understand before visiting this beautiful Himalayan mountain kingdom. Bhutan’s official currency is the Ngultrum (Nu.), which is pegged 1:1 with the Indian Rupee (INR).

While Indian currency is widely accepted throughout the country, travelers should note that Reserve Bank of India regulations strictly restrict the use of high-denomination notes. It is important to remember that Ngultrum cannot be used for transactions in India.

As of early 2026, the exchange rate is approximately 1 US Dollar to 91 BTN, so checking live rates before your trip is highly recommended. Using Currency & Credit Cards in Bhutan is limited, so travelers should plan ahead. Most big hotels, some restaurants, and a few handicraft shops in Thimphu and Paro accept major credit cards like Visa and MasterCard.

Smaller shops and local markets usually only take cash. Some places may also charge a small fee if you pay with a card. For cash, travelers can exchange foreign money or travelers’ checks at Paro Airport or at Bank of Bhutan branches in major towns. You must carry a valid passport to do this. ATMs that accept Visa and MasterCard are available in cities, but they are rare in rural areas.

It’s very important to carry enough local currency when visiting remote or scenic parts of Bhutan. Knowing how to use your Currency & Credit Cards is important for a smooth trip. The main foreign currencies accepted for exchange include US Dollars (USD), Euro, British Pound, Japanese Yen, Swiss Franc, Hong Kong Dollar, Danish Krone, and Singapore Dollar.

Keep in mind that most hotels and official exchange counters usually accept only US Dollars. Travelers should plan ahead, withdraw or exchange enough Ngultrum in major towns, and always check whether their cards are accepted at their destinations.

By understanding the rules and practices for Currency & Credit Cards in Bhutan, you can avoid problems while spending money. Planning carefully, knowing where to use cash and cards, and carrying enough currency will help ensure a safe, convenient, and hassle-free travel experience in Bhutan.