Digital Kidu is a free finance application for mobile devices coming from developer DK Bhutan. It's a digital online banking institution that provides financial services to residents of Bhutan. Through it, they will be able to make money transfers, pay bills, and use it for various other transactions they may have.

Similar to KBZPay or MoMo, Digital Kidu serves as an all-in-one solution to help facilitate all types of transactions, both online and offline. It also provides various savings opportunities and gives users the option to apply for loans if they are in need of quick funds for emergency purposes.

Personal finance app

There are two ways to get started with Digital Kidu, with the first being registering a personal account, which requires a valid Citizen ID and mobile number. If you're a business owner, you'll need to present a copy of your business license to get approved. Once done, you can start making money transfer, paying bills, and adding credits to your mobile number via top-ups.

For your business, you can utilize this platform to receive payments from customers with safe and secure transactions for their peace of mind. In both cases, the app relies on AI analysis to provide detailed financial reports to give you insights into your spending habits and cash flow. You can also utilize DK Digital Lock, which links your account to a specific device for added security. 

Using your account as a place to build up your savings will benefit from daily interest, with rates spread throughout 365 days. It has a special loan program for students that provide up to 43,000 Bhutanese Ngultrum. That said, there have been some reports of users having difficulty logging into their accounts. Hopefully, that issue can be addressed as soon as possible.

For all your financial needs

All in all, if you live in Bhutan and are looking for a way to manage your finances better, Digital Kidu is a solid digital bank to consider. It serves both personal and business accounts and comes with various services to make everyday transactions easier and more convenient. Apart from some login concerns, it's easy to use and works quite well.