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Are there banks in Thailand that allow both partners of a joint account to use separate banking apps?

joint bank accounts Thai banks banking app access QR codes expat banking in Thailand visa regulations money transfer methods

Jul 4, 2025

10 days ago

Jay *****

ORIGINAL POSTER

Hello! Does anyone know of a bank that my husband and I could get a joint account with that would allow us BOTH to use their banking application (using two phone numbers and our own separate phones) and allow us both to have our own QR code without having to get our own separate accounts? We’ve never had separate accounts, so this has been weird to finagle and would like to find a bank that would meet our needs. Thanks so much!

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TLDR : Answer Summary

The original poster asks about a Thai bank offering a joint account that allows both partners to access the banking app independently on their own devices. The responses mostly indicate that it's currently uncommon for Thai banks to support this feature—typically, only one partner has app access linked to a single phone number, even with a joint account. Suggestions include considering separate accounts with easy transfer options and using browser access instead of the banking app. Overall, the community expresses that achieving the desired setup may be challenging under current regulations.

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Stephen *******

Get 2 accounts. Transfers are free. What's the problem?

9 days ago

Det *******

Sounds impossible with current Thai banking regulations.

9 days ago

Jay *****

ORIGINAL POSTER

Thank you all so much for your feedback! Have a great weekend 🙏🏽

9 days ago

Robert ********

If you want both to be able to do banking, use a browser instead of the app.

9 days ago

Robert ********

Here a sample.

On the phone you can save a link as a web-app to your Home Screen (at least in iOS).

9 days ago

Reply to

Robert ********

Chuck **********

My wife can access with bkk bank!

9 days ago

Jay *****

ORIGINAL POSTER

@Chuck *********

, does she have her own QR code and such and is able to create her own login credentials on the app that will take her to the same joint account?

9 days ago

Mikkel *******

@Jay ****

if it's possible to each access the same account, with the app, why do you need separate QR codes and credentials? It's the same shared account. It doesn't need a unique QR for each user. It needs a QR to identify the account. Why wouldn't it work for you if it's the same QR and credentials? Any transactions will be on the same account anyway.

9 days ago

Jay *****

ORIGINAL POSTER

@Mikkel ******

, sure that’s fine too, except we haven’t found a bank that’ll allow us to do that because every bank we’ve been to says that a joint account can only access ONE phone number. That’s been the issue. For example, our joint account is linked to my phone number, so my husband doesn’t have any kind of online of phone access to anything having to do with our joint account. I have to send him money from our joint account to his “own” account, and it feels like he’s getting an allowance— which is just silly in 2025. So, I don’t actually care how to access QR codes (haven’t lived here in a few years— still wrapping my head around that bc it wasn’t a thing when we left Bangkok in 2016) or whatever else so long as he has access to everything I have access to using his own phone. That’s the issue.

9 days ago

Reply to

Jay *****

Ally ************

Why not open 2 joint accounts with the same bank.. then hubby has banking app for the first account.. and wifey has banking app on the second account.. funds can be easily transferred between the accounts using Promptpay or QR codes when needed.. and it should be possible to have 2 atm / debit cards cards on each account.. or simply take 1 card each to match banking apps.. then adjust balances periodically relative to spending.. the big benefit of having joint accounts over single accounts is access following the loss of a spouse.. since accounts won't be frozen pending probate.. and surviving spouse is not cut off from funds.. which could be an important consideration when living overseas!