How can DTV visa holders pay utility bills and purchase a car without a Thai bank account?

If a Thai bank account is so important, then get a visa that is eligible for a Thai bankaccount.

Simple as that.

Wise for big purchases.

Electric bills can be paid at 711 with normal credit/debit card.

My AMEX for cash withdrawals (only 50 instead of 250 thb)

MC or Visa for anything else.

Truemoney is nice. they also have virtual debit cards!

Moreta Pay and you can use Lazada to pay electric bill and other utilities

Have you been living under a rock for the past 10+ years...

Revoult

Wise

Moreta

True money Wallet

And there's many more multi currency bank accounts from home countries...

WISE is the safest option, the problem with Wise though is that they charge a very high commision depending on where your card/bank is from.

When I was using WISE I had to pay a ฿1,000-฿1,500 fee for my ฿18,000 rent.

It really depends on where your bank is from

Cash is king i find no issues in it also if you give rent money there is a rental agreement paper right so no worries

Deeppocket lets you topup with a foreign debit/credit card, but charges something like a 4% for each topup if i remember right. Limitless number of QR scans and works even for personal ones now, compared to Truemoney which has a limit of 30 personal QR scans a month.

Wise, Revolut, cash and TrueMoney

For bills I just walk across the road to 7-11 and hand over my bill. They scan, take my money (cash or card) and staple the receipt to the bill and then give it me back. Easy.

Get married to a Thai National and let them deal with it all, simple 😁

We use wise to pay bills, rent, etc

We use Revolut or Charles Schwab for day to day transactions or atm withdrawal

Can probably transfer from Wise/ Revolut.

Your options: Moreta pay / credit cards / cash

True money is OK but it relies on cash topup. So may as well keep the cash yourself. Better to not rely on online stuff so much as you can see what happened.

Pay bills using cash

In here you will likely be told you shouldn't own a car on a tourist visa even though you can live in Thailand every day for 5 years on a DTV with same day border bounces. I'm one of the lucky ones (so far) with a still working Bangkok Bank account that I opened in 2021 on a non-o visa. Prior to 2021 I have paid my utilities to my building juristic person and other larger payments via Wise transfers to avoid forex fees and bad exchange rates. For ATM withdrawals try and find a bank from your home country that refunds all ATM fees. I know Canada and the US has them and likely others. There isn't a decent PromtPay alternative without drawbacks so you'll want a way to access cash without paying a 250 THB ATM fee each time.