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How can expats in Thailand use QR code payments without a Thai bank account?

QR code payments expat banking Thailand foreign currency exchange TagThai KBANK financial services payment solutions

Mar 24, 2025

a month ago

Wayne *********

ORIGINAL POSTER

For those that don't have a Thai bank account and want to use the QR code for payments, you can now use tagthai that uses KBANK. For info go to 

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TLDR : Answer Summary

Expats in Thailand without a Thai bank account can utilize the TagThai service, which operates through KBANK for QR code payments. This method requires topping up with cash at a foreign exchange desk, and users must deal with exchange rates for foreign currency transactions. Some users have expressed concerns about the fees associated with other payment services and the necessity to maintain a cash trail.

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Roddy ********

You have to use foreign currency so it's the exchange rate on the day.

a month ago

Maurice **********

Better to keep your cash trail out. Just scan with an qr code from Cambodia or some other linked country. Or ATM and pay the 220 bath but take the max out.

a month ago

Adam ********

What's the exchange rate they give you? Been using Moreta Pay which is 3% on tx fees. Plus $0.45 ach for deposit.

You can pay $10/mo if you want 1.5% but it doesn't pay unless you're doing > $667 a month which I don't. I maybe use $50-$100 a month on it.

a month ago

Thuu **********

@Adam *******

I’m curious why you use Moreta Pay. Is just preference?

Moreta Pay only works with business QR & charge 3%. If the business support business QR, they most likely to support Visa/Master card as payment option.

Why pay Moreta when you can just use your cards?

a month ago

Adam ********

@Thuu *********

There have been instances where card isn't accepted if it is less than 200 or 300 baht.

So I normally use it then when I don't have cash handy.

a month ago

Reply to

Adam ********

Goad ********

Need to top up with hard cash at their foreign exchange desk. Not great.

a month ago

James *******

@Goad *******

yeah and I guess you’re locked to kbanks exchanged rate as opposed to being able to shop around.

a month ago

Dany ********

@Goad *******

same with TrueMoney which is allready available

a month ago

David ********

@Goad *******

lol, sounds a bit stupid idea 🫢🫢🫢 take out cash from ATM and then go deposit and then flash the QR code 😅

a month ago

Kai *********

@David *******

you have to take our foreign currency out of the ATM 😆

a month ago

Ben ********

@David *******

Perhaps people want the convenience of QR code payments so much that they are willing to do that. I wouldn't mind doing that, put say 100,000 baht in at a time and that should last a while

a month ago

David ********

@Ben *******

that would make sense, deposit large amounts to avoid carrying cash. I wonder if that app would allow large deposits, but still not much interested in QR payments in my personal opinion

a month ago

Reply to

David ********

Ben ********

This looks interesting, has anyone here used it yet? Thoughts? TIA

a month ago

Andi ***********

@Ben *******

Definitely a game changer for non bank holders. It is very new, I guess feedback will happen very soon.

a month ago

Reply to

Andi ***********