Key Points to Keep in Mind When Traveling in Bhutan

Both the Bhutanese Ngultrum (BTN) and Indian Rupee (INR) are widely accepted, especially in border areas and major towns. Always have a mix of denominations when using local currency to avoid breakage issues. Many shops, restaurants, and bars accept Indian currency without a problem, so you might not face any issues with cash. ATM cards from SBI and BOB can be used, but it’s a good idea to check with your bank before traveling to ensure card functionality. Be sure to activate international services on your ATM card, as it can take up to 24 hours for the process to complete. RBI allows individuals to carry up to 25,000 INR in cash when entering Bhutan. Exchange large denomination INR notes to smaller denominations before entering Bhutan, as shops might not have change. If you need to exchange large INR notes, you can visit a nearby town like Jaigaon, which is on the Indian side of the border, and get them exchanged for Bhutanese Ngultrum. Ensure you visit ATMs early morning or evening in Jaigaon after withdrawing cash, as they might not be operational all day.

Understanding Currency Acceptance in Bhutan

When traveling to Bhutan, you'll find that both the Bhutanese Ngultrum and the Indian Rupee are widely accepted. However, the Indian Rupee is preferred in border areas and major towns where transactions are more common. It is advisable, though, to carry some Bhutanese Ngultrum as a backup, especially for places that may not accept Indian Rupees.

Using ATM Cards in Bhutan

Many ATMs in Bhutan accept cards from various banks, including SBI (State Bank of India) and BOB (Bank of Baroda). These ATMs are often available in urban areas where international banking services are available. However, it is always a good idea to check with your bank before traveling to ensure your card will work. Additionally, inform your bank about your travel plans to avoid any potential issues with card usage.

It's essential to activate the international feature on your ATM card, as this can take up to 24 hours to be processed. This step ensures that your card works in other countries, including Bhutan. Backup payment methods, such as cash or traveler's checks, are also advisable in case of ATM outages or card issues.

Practical Tips for Managing Cash and Cards in Bhutan

When it comes to cash, it's crucial to carry a mix of denominations to avoid breakage issues. This includes using smaller denominations where possible. Indian ATM cards might work, but it's best to get this checked with your bank to avoid any last-minute surprises.

RBI allows individuals to carry up to 25,000 INR in cash when entering Bhutan. It's a good idea to exchange large denomination INR notes for smaller denominations before entering Bhutan, as some shops might not have change readily available. If you need to exchange large INR notes, you can visit a nearby town like Jaigaon, which is on the Indian side of the border, and get them exchanged for Bhutanese Ngultrum at no cost.

To facilitate cash withdrawals before entering Bhutan, there are ATMs available in Jaigaon. Ensure you visit early morning or evening to make sure the cash machines are operational, as they might not be available all day.

Conclusion

Traveling to Bhutan is an enriching experience, but it's important to be well-prepared for the local currency and banking systems. By carrying a mix of denominations, double-checking your ATM card international feature, and knowing the cash carrying limits, you can ensure a smooth and enjoyable trip. Whether you prefer Indian currency or Bhutanese Ngultrum, make sure you're ready for any transactions you might encounter.