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How can I make QR payments in Thailand without a Thai bank account?

Hugo ******
asked Nov 13, 2026
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QR payments without Thai bank account?

Hello,

How does everyone go about paying bills and Thai bank accounts on a daily basis without owning a Thai bank account yourself? What is the best app to transfer money to local bank accounts quickly in your option?

I am sorry if this question already came up several times but maybe they are new apps and payment methods now.

Thank you in advance for your help!
Answer summary
The thread discusses options for making QR payments in Thailand without a Thai bank account. Users suggest various apps such as TrueMoney, DeepPocket, and Wise, noting their features for transferring money and paying bills. Some comments highlight the convenience of using these apps for international credit cards and the importance of cash in some transactions. Overall, the responses provide insights on accessible solutions for expats needing to navigate local payment methods.
63 repliesnewest first
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EfficientD**********
EfficientD**********
Fps prompt pay
Henrik *****
Henrik *****
Use search, you are asking questions that has been answered numerous times.
Pate ********
Pate ********
Good question now that Thai banks are denying access to mobile banking. I’ve had a BKK bank acc for 20 years and now they are insisting I can’t use the app anymore but everything else remain the same. These days I mainly want to use it for QR payments. Good to see there are other options.
Damian **********
Use cash!Cash is a king!
0
James *******
James *******
Only legends get a Thai account and I love mine!
0
Shin ******
Shin ******
Moreta Pay!
0
Soso *****
True money wallet. Get an advanced account asap thought
0
Jose *******
Wise is good. You can send directly to bank accounts and get a physical card for atms
0
Daniel ********
TrueMoney works great
0
Soso *****
Deepocket is asking for 4.5% of top ups from credit cards and 2% by the other “channels” … That’s very high …
0
Rhys ******
Rhys ******
Revolut for rent paying direct to bank accounts, deep pocket for QR, lazada for bills
0
Retha *******
Retha *******
Deep pocket and True money
0
Brandon *******
Brandon *******
True money and wise bank
0
Richard ******
I use wise. How do the other apps compare?
0
Breathtaki***********
Breathtaki***********
I use deep pocket app
0
PatientGo**********
PatientGo**********
Deep pocket top up with cash cost only 10 baht. You can use deep pocket same as scan even small sellers etc. I think True money can only use in proper establishments 7 eleven etc department stores
0
Paul **********
Paul **********
I struggled paying on a qr with true money but found it handy for paying the electricity bill. I've just got Tag Thai but you need to activate it at a kiosk then only ones I could find were at the airport. That should allow barcode payments Hope that helps
0
Robert **************
Robert **************
I will try Deep Pocket, i heared can top up cash at lotus and big c
0
GivingPer**********
GivingPer**********
****
. Lazada app.
0
Štěpán *******
Štěpán *******
DeepPocket
0
Nairit *******
Nairit *******
Wi wallet and deep pocket for QR payments foreign card top up available in both , Wise for bank transfers, cash from yellow ATM, thank you
1
John_Do********
John_Do********
DeepPocket 👍🏽
0
Elías ********
Elías ********
TrueMoney
0
Pui *****
Pui *****
This question comes up several times a week. There's been no new apps or solutions in the past week.
0
Hashim ******
Hashim ******
Wi wallet
0
Rashad *******
Rashad *******
Moreta pay or Wi Wallet
1
Štěpán *******
Štěpán *******
@Rashad ******
Moreta does not work in Thailand since June, regulatory issues for citizens at least for EU citizens
0
Rashad *******
Rashad *******
@Štěpán ******
I use it almost every day check your facts sir 😜🙏🏽
1
Shane *****
Shane *****
@Rashad ******
it isn't about whether you care or not. but if your suggested solution does not work universally, it should be pointed out ..what is strange is that such simple logic need to be pointed out to you..
1
Rashad *******
Rashad *******
@Štěpán ******
sucks to be you when most people comment they comment from a place of personal experience so if I'm not from the EU how would I know or why would I even care.
1
Štěpán *******
Štěpán *******
@Rashad ******
yes, I check every week since June, it might works in Thailand only for US / Canada residents (according what Moreta mentioned in some notes), not for rest of World as me citizen registered in EU
1
CapableC********
CapableC********
Deep pocket - you can use your credit card from home
4
Soso *****
Soso *****
CapableCelery590 is it safe ?
0
CapableC********
CapableC********
@Soso ****
what do you mean is it safe
0
CapableC********
CapableC********
@Soso ****
it’s regulated by Thai banks
0
Soso *****
Soso *****
CapableCelery590 is it a serious company ?

I’m setting it up rn and it’s asking to be ok with a bunch of sensitive personal information.
0
Domenico **********
Domenico **********
CapableCelery590 where to download this Deep pocket app?
0
CapableC********
CapableC********
0
Domenico **********
Domenico **********
CapableCelery590 sure man
0
CapableC********
CapableC********
@Domenico *********
the App Store is where you download the app?
0
Domenico **********
Domenico **********
CapableCelery590 LOL?
0
Furkan *******
Furkan *******
I tell people all the time TRUEMONEY WALLET !
6
Nairit *******
Nairit *******
@Furkan ******
you need cash to top it up, doesnt make sense when you can directly pay cash to a vendor unless you dont want to carry cash
1
Furkan *******
Furkan *******
@Nairit ******
you don’t need cash to top it up, you send money from a foreign bank to a trusted thai person and they scan it to your true money .
0
Nairit *******
Nairit *******
@Furkan ******
*trusted* Thai person that is where the problem lies no offence to the locals
0
Elías ********
Elías ********
@Nairit ******
it makes sense to do online payments. For example, I always buy train tickets on the SRT app using the QR codes, saving me the need to visit an office.
0
Nick *******
Nick *******
@Elías *******
🤣🤣🤣🤣🤣
0
Elías ********
Elías ********
@Nick ******
who's talking about taking out cash? I just recommended to use TrueMoney. I don't need to use the ATM to get baht 🤣 I didn't even mentioned the ATM, did I? 🤷🏻
1
Nick *******
Nick *******
@Elías *******
taking out cash is remittance mate 😂😂😉😉
0
Nairit *******
Nairit *******
@Elías *******
problem is i dont like to keep much cash in these fintech platforms, they can block your accounts and ask for advanced KYC anytime, had a horrible experience with Revolut recently , its just me i am a bit more sceptical.
2
GivingPer**********
GivingPer**********
@Elías *******
you have a
****
nearby? You can book and then pay in
****
0
Wolf****
Wolf****
@Furkan ******
i haven’t been able to get true to work.
0
Elías ********
Elías ********
Wolf7247 that's a you problem. A lot of DTVers me included have been using it on a daily basis for years. I opened it with my DTV, not before (I first came to Thailand with a DTV, nothing else before).
2
Furkan *******
Furkan *******
Wolf7247 I’ve been using it for 3 years no problems
1
BraveS*******
BraveS*******
Try asking some local thai group (search by city like pattaya or hua hin), not a visa group... get better answers
2
Furkan *******
Furkan *******
BraveSeal2535 if you got nothing worth saying , why even bother don’t even say it
0
BraveS*******
BraveS*******
@Furkan ******
its an advice. You think people seeking help from visa group, have the best knowledge about everything lol? Its a visa group, period, best answers are from groups made for those topics. Why do groups have names?
2

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