A place to accomplish

all your financial needs

Loans for Your Every Need

From buying a laptop to relieving your cashflow, DK is here to help you with our new loan offerings. No collateral. No interest.


& 100% digital

We explore Fintech as a tool to make financial services simple, secure and smart – all on your fingertips. DK is safe, easy and instant means to send and receive money and pay for essential services with enhanced security features. Open your DK individual and business account online in three simple steps.

Learn more


Absolutely no hidden fees
& charges

You heard it right! No hidden fees and charges on our services. We assure you full transparency on your fund flow.


Access your money
anytime, anywhere

You will have seamless access to your fund anytime from anywhere. Want to cash out your money? You can do so from DK authorized agents and ATM of any authorized bank. Alternatively, you can generate your own QR code and get paid easily.



Daily interest to make your
money grow

While you sleep, we nurture your money. DK generates daily interest on your savings and this accumulates over time. Save with DK to earn more interest.


DK financial tracker to watch your financial health

DK financial tracker is an AI enabled tool to keep an eye on where and how your spend. We want you to be financially savvy, understand your cash flow and achieve financial freedom.


First-of-a-kind in Bhutan,
DK digital lock

DK digital lock secures your device by linking with your device serial number. You can only login to DK app from one device-yours. It is a fraud detection mechanism to secure your transactions without a requiring TPIN.

24/7 DK help center and chat-bot

Facing an issue? Or want to inquire about our services. Chat with our AI-enabled bots or dial our help center @ 8888.

Want to know more?

You can apply for an account if you are:
– a Bhutanese aged 18 and above, with a valid CID and mobile number; or
– a Bhutanese business with a valid business license

Currently with the DK app, all payments & transfers to DK account holders as well as other member banks account (intrabank & interbank) are facilitated. Additionally, you can also pay for essential services like Telco’s (Prepaid recharges and Postpaid bills), Electricity bills and water& sewerage bills. Soon, we will extend our services to include exciting products and features to bring our customers an enriching digital experience. You can also monitor your expenses and income with the help of in-app DK financial tracker. The DK app also enables you to view your transaction history and generate your own QR code to receive and make payments.

You can instantly open your DK account online. First you need to download the DK app and begin the onboarding process to submit your application. You need to upload your personal details and a copy of CID. For businesses, you have to also upload your business license. There are three simple process to open your account-key in your basic information, authenticate your information and upload your documents.

DK app is incorporated with DK Digital Lock for additional security. It links your login credentials with your unique device id. You can operate your DK account from your device only. You don’t have to bank on TPIN for security anymore. If you change your device you have to deactivate or reactivate your digital lock. Instead of MPIN you can use your face and touch ID for security.