Banking fees and comparison method — Review overdue
Review overdue: This guide remains overdue while its source review and rollout-day tariff checks await acceptance. Do not treat any amount as a current quote.
A regulatory cap is not necessarily the fee a bank will charge. Check the bank's current tariff and the exact product, customer class, channel and transaction.
| Effective phase | Covered BOT standard | Important boundary |
|---|---|---|
| 1 July 2026 | Up-to-12-month paper statement: max THB 100/account/request plus actual delivery; qualifying electronic statement: no fee; standard financial-status certificate: max THB 100/set/request plus delivery; qualifying dormant-account maintenance: max THB 20/month; credit-card cash-withdrawal fee: max 2.5% of cash withdrawn. | Customer and product scopes differ. Customized statements, credit/audit confirmations and other exclusions remain outside the stated document caps. |
| 1 September 2026 | Basic ATM card joining + annual fee: max THB 150/year; basic debit card: max THB 200/year; covered electronic-machine cross-province/line fees and bill-payment fee prohibited; same-day Bulk Payment: max THB 20/transaction; specified SME-loan standards commence. | Basic-card caps are for natural persons and exclude replacement cards. Other charges may remain. Each institution defines and must explain its SME classification. |
| 1 October 2026 | Individual/SME minimum and maximum commission-in-lieu-of-exchange limits and electronic BAHTNET transfer cap begin. | Future as of this review. Do not present as currently effective. Foreign-banknote transactions are excluded from the stated FX-commission provision. |
The BOT instrument applies according to covered product and customer type, not nationality or residence. Compare the regulated maximum with the selected bank's actual tariff; do not describe the standard as abolishing bank fees.
Bank charges depend on the bank, product, customer eligibility, channel, currency, transaction type and tariff effective date. Thailand Expat Services does not provide bank accounts, payment services, foreign-exchange execution or financial advice. We may coordinate an independent referral; ask whether compensation may be received before you consent to an introduction.
Compare like with like
For each option, record:
- bank or licensed provider and exact product;
- customer and residency category;
- transaction channel and currency;
- transfer amount and amount the recipient receives;
- bank/provider fee, exchange rate or markup, correspondent or receiving deductions, card or ATM operator charge and your issuer's charge;
- limits, waiver conditions and supporting documents;
- tariff or quote URL, version/effective date and the date you checked it.
Do not combine unrelated products into a country “typical range.” A landing page is not evidence for a tariff amount.
PromptPay and Thai QR
The Bank of Thailand describes PromptPay as payment infrastructure and publishes a standard fee-ceiling table. It also notes that most banks have waived fees for digital-payment transactions since 2018. Your bank's current product terms, registration eligibility, channel, transaction limit and displayed confirmation still control. Verify the recipient name and amount before authorising payment.
Official source: Bank of Thailand — PromptPay.
ATM and card withdrawals
Before accepting a withdrawal, read the machine's displayed operator charge and conversion choice. Separately check your card issuer's cash-withdrawal, foreign-transaction and exchange-rate terms. Do not rely on a market-wide Thai ATM fee or maximum withdrawal figure; operator, card, machine and account limits differ.
International transfers and foreign exchange
Compare a live written quote by total cost and net amount received. Ask about the exchange rate, provider charge, intermediary/receiving deductions, delivery estimate, cancellation/refund terms and evidence requirements. The Bank of Thailand says foreign-exchange transactions must use authorised persons and may require transaction details or supporting documents. Requirements depend on the transaction; verify them with the authorised bank/provider and, for legal, tax or property consequences, a qualified Thai professional.
Official source: Bank of Thailand — Exchange Control Regulation.
First-party fee sources
Use the selected bank's current fee schedule and product page. Save the exact tariff/version used for the comparison. A bank link does not mean that Thailand Expat Services recommends the bank or guarantees availability.
- SCB — interest rates and fees — current page includes tariff rows with their own announcement and effective dates.
- Krungsri — fees and charges — use the exact product document and effective date.
- BOT — regulated provider check — a listing is not a suitability endorsement.
Bangkok Bank and KBank fee links in the approved draft did not return a usable rollout-day response, so they are not retained as evidence here. Check a selected bank's official channel directly before comparing it.
Before sending documents or money
Use the provider's official channel. Do not send passport scans, bank statements, source-of-funds records or other sensitive data to Thailand Expat Services unless the purpose, recipient, retention and transfer basis have been explained and you have agreed. Never transfer money merely because a provider or introducer appears in this guide.
Editorial review: BOT Notifications 23/2569 and 24/2569 reviewed 4 September 2026; bank-specific tariff checks remain necessary.
Professional review: Not performed. No qualified Thai banking, financial-compliance, tax or legal approval.
Page governance: last_reviewed: 2025-01-20 and the overdue warning are retained pending independent acceptance.