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Can expats in Thailand obtain a TrueMoney account using just a passport, and what are the limitations?

TrueMoney Thailand expat banking Visa requirements Digital payment solutions QR code payments Cash alternatives in Thailand

Apr 19, 2025

4 days ago

ORIGINAL POSTER

Not sure if you all are aware but you can get a fully verified TrueMoney account now with just passport and DTV - can accept and send QR/promptpay payments. 

If you use the true money machines at mrt or true stores, can load up to 20k at a time. Max wallet balance 50k.

I hate cash and thai banks don’t seem to be an option now so this is the best solution imo.

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TLDR : Answer Summary

The post discusses how expats can obtain a verified TrueMoney account using only their passport and Digital Verified ID (DTV), allowing them to send and accept payments via QR code and PromptPay. Users mention their experiences with the service, including top-up limitations and the verification process. There are mixed comments regarding the necessity of DTV for account verification and the functionality of TrueMoney for users on different visa types, with some reporting issues when using a tourist visa.

DTV VISA RESOURCES / SERVICES

Take the basic DTV Qualification Test to see if you're eligible for the Destination Thailand Visa (DTV).
For immediate assistance, contact Thai Visa Centre directly via LINE at @ThaiVisaCentre or Email them.
Explore recent discussions by using the DTV Visa tag in the search box at the top of the page.
Join the Thai Visa Advice Facebook Group to ask your questions, and get advice from others.

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Samuel ***************

@Ruairi *******

worth looking into

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Carlos *********

Yes, Moreta is now free as well (no fee per transaction) and can be topped up with a foreign account

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Ric ******

@Carlos ********

where do you see that Moreta is now free? They're still trying to sell me the "gold" package (monthly fee) to lower the transaction fee to 1,5%.

Doesn't work with my Thai shopee-account. Doesn't work with private QR receivers.

I'd say it's pretty usesless for me.

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Carlos *********

you need to update the app

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Carlos *********

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Stef *****

Useless: need to withdraw cash and put it in another machine to top up your account...

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John ******

ORIGINAL POSTER

Weird take. Unless you’re buying a car/house - it allows for a cash free life here.

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John ******

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Nigel *******

did you register using a Thai phone number?

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Tore *********

I got True Money based on passport, I don’t think you need to show DTV.

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Andrew ********

BS...

True money doesn't work on Tourist Visa... Must be Non class.. (I have Thai bank accounts)

I had to go back to tourist visa at the start of the month and my account was suspended...

I need to upload proof of Non class Visa(which I am waiting for new papers etc)

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Asso ******

This is Thailand. Rules are flexible/bendable and most of the stuff just depends on the mood of the specific person you are talking to

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Tore *********

@Andrew *******

BS, Truemoney works perfectly fine for me 🤷🏻‍♂️

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Robert *********

@Andrew *******

works for me after verifying the picture of my dtv stamp

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Wesley ********

@Andrew *******

lots of stuff can be done on DTV , you just gotta keep trying.

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John ******

ORIGINAL POSTER

@Andrew *******

Well dtv is technically a tourist visa and true money works for me. Just did a promptpay qr payment

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Andrew ********

prompt pay you need a Thai bank account....

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John ******

ORIGINAL POSTER

@Andrew *******

No you don’t. Don’t comment if you’re uninformed

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Andrew ********

So why are you still commenting?!?

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John ******

ORIGINAL POSTER

@Andrew *******

Oh look who’s embarrassed himself now 🤣

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John ******

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Georgijus ************

I don’t think you need DTV for that, I verified same account just with passport and no one didn’t ask me for DTV, about half year ago. The only think deposit limit in 7/Eleven.

Cash 💵 is king 🤴 🙂

And for the rest Wise work pretty well 🙂 when I hear people pay agents to get bank account it just ridiculous 😂

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John ******

ORIGINAL POSTER

@Georgijus ***********

For the 2nd tier verification to access QR/prompt pay you need more than passport. Cash sucks lol

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John ******

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Wannikea *********

********************************

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John ******

ORIGINAL POSTER

@Wannikea ********

sucks in comparison

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John ******

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Adrien ****

Btw there is a way to top up true money with a credit card directly ? It was not possible at the 7 eleven

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John ******

ORIGINAL POSTER

won’t accept my cards in app - think they need to be thai bank issued

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John ******

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Adrien ****

it needs a driving licence for the full verification no ?

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Klaus *********

Yes, I did it with Thai Driver License.

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John ******

ORIGINAL POSTER

nope

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Adrien ****

what did you provide? A picture of the DTV stamp ?

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John ******

ORIGINAL POSTER

yep

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Adrien ****

and you selected passport with non immigrant visa ? There is no section about DTV btw

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Adrien ****

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Dany ********

yes, been using it for some months now. they opened some functions this year for foreigners and registration last year. 👍 but 3k top-up limit per transaction in 7-11 is pretty annoying

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John ******

ORIGINAL POSTER

20k using true machine in mrt stations

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Dany ********

not have MRT in Krabi 🤣 but i will take the beach anyday over that :p

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John ******

ORIGINAL POSTER

I’ll take Bangkok girls over southern girls though 😝

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John ******

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Ben ********

Thanks John. I made a post about this very topic today asking about it. Some people said that it can't be done with the DTV. I'll give it a try. Did you have to upload your passport and proof of DTV? Thanks

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John ******

ORIGINAL POSTER

just passport and dtv stamp

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John ******

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Michael *******

Deep wallet is working too ( cost about 400 baht per month )

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Klaus *********

@Michael ******

Why someone would pay 400 THB monthly just to be allowed to pay with QR Code. What a rip off!

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John ******

ORIGINAL POSTER

@Michael ******

can’t beat free lol. If you have a bank that refunds atm fees Charles Schwab etc this route has zero fees cheaper and easier than using wise

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John *********

Schwab refunds it. No limit. Anywhere in the world. And doesn’t charge a fee on top. I suspect less than 5%.

No Thai QR code with it. Just a nice option for Americans.

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Michael *******

they refund the 220 baht ? All time i find atm exchange rate not good if you compare to wise.

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Michael *******

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Michael *******

atm have not good exchange rate ( about 5% ) , and you still have 220 baht atm fee, I don't think schwab refund this ? And it is not qrcode thai usage.

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John ******

ORIGINAL POSTER

@Michael ******

I never use the atm exchange rate. Travel 101. Of course Schwab isn’t on thai promptpay system. I mentioned it because in combination with Truemoney you get almost fee free access to qr system.

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Michael *******

Ha okay, with truemoney, i will probably try it, but i use deep wallet for 6 month, it work good ( for a fee of 400baht/month ) easy to get online ( and i consider it Cheap to use .. )

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Michael *******

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