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How can I effectively use Wise for banking and transfers in Thailand?

WiseBanking in ThailandBanking in VietnamVisa and ImmigrationExpat FinanceTMBThanachart BankBanking Services
May 7, 2025
2 days ago
Neil ********
ORIGINAL POSTER
From another group but useful if thinking of opening a bank account and use wise
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TLDR : Answer Summary
The discussion revolves around the use of Wise for banking and transferring money for expats in Thailand and Vietnam. While Wise has been praised for its services, participants express concerns about recent restrictions and their implications for using the card in Vietnam. There is mention of banking challenges specific to Vietnam, and users debate the status of TMBThanachart Bank following the merger of Thanachart and TMB banks. Additionally, queries about using Wise like a savings account are raised, with some users sharing their positive experiences.
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Al *******
With Wise can't you put all your money in the account and get a little % rate. So what I guess am asking Wise can be like a saving account without needing a bank per day. Would like my money to be on Wise, then transfer as I need it. Thanks
2 days ago
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Steven **********
@Al ******
 Revoult is 10 x time better than wise
2 days ago
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Wolf **********
@Steven *********
 and why is that? I have both, I don't see that much difference?
a day ago
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Wolf **********
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Neil ********
ORIGINAL POSTER
@Al ******
 you can
2 days ago
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Al *******
@Neil *******
 great thank you Neil.
2 days ago
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Al *******
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Grant ***********
Bangkok bank ok ?
2 days ago
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John **********
@Grant **********
 Yes
2 days ago
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Neil ********
ORIGINAL POSTER
@Grant **********
 yes
2 days ago
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Grant ***********
@Neil *******
 thank you Sir
2 days ago
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Grant ***********
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Manfred **********
There is no Thanachart Bank (065) anyway, so the warning is partly moot and definitely incompetent.
2 days ago
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David ************
This is only for a while , I have received email from Wise explaining why this is happening , things will be back to normal shortly...
a day ago
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David ************
@Manfred *********
 thanachart bank is the ttb...
a day ago
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Neil ********
ORIGINAL POSTER
@Manfred *********
 Thanachart Bank no longer exists as a standalone entity in Thailand. It merged with TMB Bank in July 2021 to form TMBThanachart Bank (TTB), which is now one of Thailand’s major banks, ranked as the sixth-largest by assets. TTB operates under the brand name “ttb” and continues to provide a wide range of financial services, including retail, corporate, SME banking, and insurance, with a network of approximately 560 branches nationwide as of 2023. If you’re looking for banking services previously offered by Thanachart Bank, you can access them through TMBThanachart Bank at their branches or online platforms.
2 days ago
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Manfred **********
@Neil *******
 exactly. And TTB is rightfully listed
2 days ago
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Manfred **********
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Tyler *******
I’m pretty sure anyone living here has one of the included banks, that they then can transfer with no cost once you’ve deposited into supported Thai bank account (wise still charges for transfer to Thai bank though)

This looks like part of their additional crackdown on IML activities. Nothing really convening
2 days ago
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Peter **********
@Tyler ******
 there are security upgrades at several Thai banks. The other banks will follow so the whole thing will be finished within a few weeks.
a day ago
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Nick ************
@Tyler ******
 Wise do charge for transfers to the included banks.
2 days ago
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Tyler *******
@Nick ***********
 I was referring to transfer between banks once the money is in Thailand.
a day ago
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Tyler *******
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ຈອນ ****************
We don’t need them
2 days ago
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กะลาสี *****
Thanks for sharing this. 👏👏
2 days ago
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John *******
Vietnam has been notorious regarding banking since forever. I have ex-colleagues who retired there because of it. 😊 They didn’t want their debts traced. I love holidaying there, but always take $ cash.
2 days ago
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Caz *****
@John ******
 I've never had any issues with Wise in Vietnam. Bank payments, withdrawals and card payments all work with no issues.
2 days ago
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Evan *******
@Caz ****
 was told Wise card PERSONAL customers can not use their card anywhere in Vietnam 🇻🇳.
2 days ago
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Caz *****
@Evan ******
 perhaps your account is with another bank, because that's not true. Anyway have a good day and I hope you can find away to access your money in Vietnam.
a day ago
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Evan *******
@Caz ****
 Thank you; the only reason I went was to do some business with HSBC, unfortunatelay I have to go back to Saigon this time but once this account gets opened I have no plans in the near future to return to VN, although our trip turned out to be much more fun and exciting than expected. We were in Hanoi.
a day ago
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Evan *******
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Evan *******
@Caz ****
 my wise card didn’t work once ….not at an ATM …not at any shop …not at any restaurant…not at the Hilton Hotel …nowhere
2 days ago
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Caz *****
@Evan ******
 seems very strange. Seems like your card has limitations applied by Wise. I'd ask them about it if I were you.
2 days ago
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Caz *****
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John *******
@Caz ****
 Fair enough. I just mentioned it because sometimes banking is rocky. I have no affiliation with Wise. Maybe you could help Evan out? 😊
2 days ago
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Caz *****
@John ******
 Me neither. I've just used my card for 10 years in Vietnam and have never had issues. I think Wise would be in a better position to help him though. 😊
2 days ago
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Evan *******
@Caz ****
 I will contact their support and report back
2 days ago
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Evan *******
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Bernie *************
@John ******
 do you think it might be because of wises high processing charges?
2 days ago
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Bernie *************
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Evan *******
WISE has always been great for me but I don't understand why I can convert to VND but can't use the card anywhere in Vietnam
2 days ago
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Wolf **********
@Evan ******
 I use my Wise for two months all over Vietnam. Doesn't work everywhere but usually no problem
a day ago
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Ling *****
@Evan ******
 I used mine in Vietnam several times.
2 days ago
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Paul *********
@Evan ******
 what country is your wise card based? I’m in Australia and hoping to use it in Vietnam
2 days ago
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Evan *******
@Paul ********
 United States 🇺🇸
2 days ago
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Ling *****
@Paul ********
 mine is based in Australia. My card worked there last year and the year before, no problems.
2 days ago
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Ling *****
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Paul ********
@Evan ******
 It will work on some ECR's like Ingenico or Worldpay but not on localised card readers as they won't upgrade to international carriers.
2 days ago
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Caz *****
@Evan ******
 I've used my Wise card in Vietnam for 8 years.
2 days ago
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Caz *****
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Greg ******
“System upgrades?” Sounds like a downgrade.
2 days ago
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Tyler *******
@Greg *****
 yeah that’s closing a system for only Thai banks
2 days ago
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Tyler *******
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