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Full reserve banking means 100% of a customer's current account deposits (also called ‘demand - deposits,’ i.e., not including ‘time / term - deposits’) is fully backed by corresponding reserves, thereby mitigating the risks associated with bank runs and providing unparalleled financial stability. The customer’s money will always be available when needed.

Traditional banks, on the other hand, engage in 'fractional reserve banking', lending out customer deposits, which introduces risk and potential limitations on withdrawals, as we observed with the bank run at Silicon Valley Bank, where $142 billion out of $175 billion in customer deposits were withdrawn (or queued to be withdrawn) within two days, leading to its collapse.

Since we keep 100% of your full reserve account deposits and do not invest or lend any portion, your money is always secure, safe, and available when you need it. The downside is that your full reserve account does not earn interest. ORO Bank offers other products such as time / term deposits, allowing you to control how much of your funds are invested in interest bearing products (coming soon).

ORO Bank welcomes everyone. Our inclusive approach extends to all individuals and entities, including those typically not served by traditional banks, such as startups, fintech companies, and other businesses. If you fit the following, ORO Bank is for you!!

• I am a startup and don’t have enough track record to open a bank account
• I am in a disruptive industry and banks don’t understand my biz model
• I am a self employed Influencer / globetrotting entrepreneur / DAO and don’t fit the traditional corporate structure. *Restrictions may apply.
• I love Bhutan!! Sustainability, Wellness and Financial Independence resonates with me.

At present, ORO Bank supports transfers in 13 currencies: 🇺🇸 USD, 🇪🇺 EUR, 🇯🇵JPY, 🇬🇧 GBP, 🇭🇰HKD, 🇸🇬 SGD, 🇦🇺 AUD, 🇨🇦CAD, 🇳🇿 NZD, 🇳🇴 NOK, 🇸🇪 SEK, 🇹🇭 THB and 🇨🇳 CNH.

Enjoy ORO Bank’s services without any fees. There are no account opening fees, no maintenance fees, and no overdraft fees.

However, when we launch investment products and value added services in the future, we will charge a small transaction fee.

*Please note that third-party fees, such as SWIFT transfer fees, may apply.

Bhutan, nestled in the Himalayas, is a serene kingdom renowned for its breathtaking landscapes, vibrant cultural heritage, and commitment to Gross National Happiness. Bhutan’s vision and leadership assure political independence and stability, with a strong focus on sustainability and wellness that aligns perfectly with ORO Bank’s mission. The creation of a Special Administrative Region demonstrates Bhutan’s commitment to innovation, making it an ideal location for ORO Bank and its customers.

ORO is the national bird of Bhutan and symbolizes divine guidance and protection for the country. Additionally, ORO means gold in Latin. This dual symbolism emphasizes our commitment to intelligence, guardianship, and the enduring value we strive to provide our customers.