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What are some popular cashless payment apps for expats in Thailand without a local bank account?

Jan 14, 2026
4 months ago
Steven *********
ORIGINAL POSTER
For those with no thai bank. What is a good app to pay from the phone and not carry money with you ??
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TLDR : Answer Summary
For expats in Thailand without a local bank account, there are several mobile payment apps to facilitate transactions. Popular options include TrueMoney, K Bank (which offers a tourist-friendly app), Moreta Pay, and the TAGTHAi app that supports QR code payments. While some users prefer using digital banks like Wise and Revolut for international transactions or cash withdrawals, many emphasize the necessity of carrying cash, as not all vendors accept card payments. Cash is still widely used and appreciated in Thailand, making it important for expats to have a mix of payment methods.
Anthony ******************
You can use you home bank or get a prepaid yravel card. You mat get hit by fees. Google cards works.
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Alysia **********
Moreta allows us to scan most places.
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Marnie *********
Wise card?
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Martin ********
So you're asking a specific question about which app to use for payment. And some are saying use cash. They just don't get it do they šŸ¤·ā€ā™‚ļø ANSWER THE F@#Ā£ING QUESTION !!!!!!!

I used Chase Bank. No fees and pay in local currency.
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Arethel **************
Revolut
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John ******
Cash is better and easier for everyone.
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Dave *****
You’ll struggle to beat wise as an app , I use it everywhere now , never an issue in saying that in Thailand best carrying some cash šŸ’° at least 2-3000 baht
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SJ *******
Wise
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Max *******
idiots be digital slaves !!!
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Arlene ********
WISE though some only accepts Cash & remains King
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Lutz ********
The Deep Pocket App.
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Hector ***********
Am i missing something? Why is Google wallet not mentioned?
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Faron *************
@Hector **********
I think the OP is speaking of the Thai specific QR code form of payment. Not one’s powered by credit or debit cards. ļæ¼
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Hector ***********
@Faron ************
gotcha, he didn't mention QR on the post, that's why i was asking.
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Hector ***********
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Gregg ***********
I have a money belt .and gold is the best. Bank card separate account. Than can transfer little amount to the card.
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David ********
K Bank App

My Thai GF uses all the time
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Chris *******
I’m using TAGTHAi app right now and it’s been spot on, yeah a few down sides but overall I’ve had no issues with it
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Jeffrey *******
If they have reader then I use Apple Pay
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Sina ***********
My CC.
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David ***********
Youll need cash in many situations
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Marianna ******
Revolut
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Marianna ******
Revolut
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ąøˆąø­ąø«ą¹Œąø™ąø™ąøµą¹ˆ *******
Why the aversion to cash?
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Alan **********
How it Works in Thailand:

Google Wallet/Pay: Launched in Thailand in late 2022, it allows you to add supported credit/debit cards for tap-to-pay.

Supported Cards: Works with Mastercard Credit/Debit, Visa Credit/Debit, and some prepaid cards (like TrueMoney, YouTrip) linked to major banks.

Acceptance: You can use it at modern POS terminals with the contactless symbol, including in places like 7-Eleven (though sometimes with minimum purchase requirements) and larger stores.

Online: Also usable for online purchases where Google Pay is an option.

Key Things to Remember:

Bank Support: Ensure your Thai bank card (or your home country's card if a tourist) is supported by Google Wallet.

Cash is Still King: Many smaller shops, street vendors, and local markets prefer cash.

QR Payments: PromptPay (QR Code) is also very popular and widely used in Thailand, often through local bank apps.
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Eduard *****************
Fysical card of Wise (visa platform)
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Steve **********
Wise app. Can change currencies at good rates and use in Apple Pay
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MD *******
Cash is King
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Terary **********
Girl/lady
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Mark *********
If you are Bangkok-based you have probably acquired a Rabbit Card already to pay on BTS, but your top-up can also be used in a variety of shops such as 7-11, McDonalds, Starbucks, Boots, etc.
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Hilmar *******
Revolut
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Steven ********
In Thailand cash is king most places won’t accept credit cards
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Angelo ***********
@Steven *******
The question is not about credit cards, but about QR code payment. FACEPALM
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Angelo ***********
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Anita *******
Withdrawing money from the bank and to use them is such a rip off 🄹
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Jay ********
Tag Thai allows you to pay via QR code
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Heinz ***********
Check out TAGTHAi Easy Pay.
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Bent *************
My Mastercard works online!
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Seb ***********
Cash isn't king, I don't like carrying large sums around for the day when exploring. Cashless is more convenient. Nobody is trying to track you šŸ˜‚. Like any of us are that important
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Peter *********
WISE
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Tom *********
You need to vote Labour. They will take care of you 😳

By the way, I’m taking the pee pee
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Rocketeer *********
WISE
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John *******
Use Wise
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Richie *******
WISE plus you can get a physical card
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Brian *********
Revolut is very good I use it all the time in Bangkok and if I want cash I transfer it to my partners Thai bank and she lifts it out only 30 baht to transfer saves atm charges
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Bill **************
Go onto TikTok type in QR and there are a lot of videos showing you how to get the prepaid card or payment app for your phone.
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Greg *********
I use True money for bills and Grab
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Sandra *******
Wise .. just use the card
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Delightful**********
TrueMoney
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Tim ********
Wise app , is great
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Thierry ************
Take cash and gold that’s best
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Law ******
Wise so far but they have been fkn up a fairbit lately
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Thierry ************
Commonwealth Bank and Australia have new travelers cards I was told the Australian bank won’t charge any fee. Just pay at the ATM.Thai fee
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Angelo ***********
@Thierry ***********
And how do you pay via QR code with that?
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Thierry ************
@Angelo **********
use cash no QR code
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Angelo ***********
@Thierry ***********
The question of the author is about paying via QR code.

For example cash does not work for an online payment.

/FACEPALM
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Thierry ************
@Angelo **********
use bank account from your own country then for online payment
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Angelo ***********
@Thierry ***********
Does not work in Thailand. Facepalm again.

What is so farking difficult to stay silent if you can not answer the original question, instead of giving utterly stupid comments?
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Angelo ***********
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Brian *******
kbank has a tourist scan to pay program
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Yunus *************
Truemoney
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Max****
K bank have similar app for tourists. But you need go to one of their authorized boots for initial registration with your passport.
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Tom *******
Chase

Good exchange rate and no fees

I use for supermarkets and building supplies

Anywhere that takes visa
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Mike *******
I use bangkok bank's app.
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Christer *****
@Mike ******
this might surprise you; that's a Thai bank
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Mike *******
@Christer ****
what was the question
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Christer *****
@Mike ******
"For those with NO Thai bank..."

As in: how do you handle it without a Thai bank.
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Christer *****
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Petrov ********
True money is the best because can pay in 7 -11 can scan prompt pay and to up to
*****
bat if you have Thai driving license.
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Trevor *******
Revolut works.......
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Peter *******
@Trevor ******
not for qr code
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Trevor *******
@Peter ******
- any street traders I met in Bangkok and Pattaya had their own contactless readers.......
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Peter *******
@Trevor ******
yes but you can't pay with revolut scanning a code in Thailand i live here 8y so long enough to know
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Peter *******
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Eugene **********
Cash is King! Always! Crisp 100$ open doors !
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Andy ********
Wise is setting up a QR code payment service
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Donald ********
@Andy *******
if you can use the verification system not matter how many pics I take of my car or driving licentious says not clear of fuzzy. I’ve contacted them and am told the pics are fine it supposed to be being sorted but tick tok nothings is happening
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Donald ********
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Brian ***********
Cash is so easy , you wouldn't have this issue or question if you used Cash
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Steven *********
ORIGINAL POSTER
Get lost weirdo
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Steven *********
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Paul ***********
If the business doesn’t accept cash then shop somewhere that does. Simples.

There are plenty of places you can buy similar or same products and the ones that don’t take cash will lose the business.
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Ian ********
Perfect answer. Starbucks can go swivel.
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Ian ********
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Ado *******
CRYPTO
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Kevin **********
Moreta, Deep pocket, or pay and tour with KBank.
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Peter *******
@Kevin *********
moreta dont work in most cased id just crap
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Peter *******
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Mike *******
Wise
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Steve *******
wize card
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Steve *******
Western Union
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Esther ********
Wise or deep pocket if you want to pay by QR code
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Paul *******
TrueMoney
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Kevin ********
Wise
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Brian *********
I am a fan of Morta Pay
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Dany ********
TrueMoney

otherwise just use cash.
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Christopher *********
Wise
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Ryan *********
Gold bars
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Gary *********
Monzo
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Loma ******
Visa credit card linked to Google Wallet or Apple equivalent. Or just a Visa credit card with Tap-to-Pay.
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Angelo ***********
@Loma *****
And how should that work with QR code PromptPay? LOL!
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Sean *********
@Loma *****
this is always been my question; is tap to pay not available with Google or Apple Pay?
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Jae *****
@Loma *****
Please tell me more about this.
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Jae *****
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Scott *******
Tagthai best
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Ian *********
Thai Tag
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John *****
True money or Moreta pay
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Fred *********
Wise
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Simon *******
@Fred ********
you can pay using qr codes with wise ?
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Richie *******
@Simon ******
Yes you can
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Dianne ********
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Richie *******
@Dianne *******
Wise's "Quick Pay" feature for businesses to generate a code for others to pay you, often for local bank transfers like PayNow in Singapore, and it works similarly to using your Wise card or digital card in supported regions. You can scan a merchant's QR code with the Wise app camera or import one from your gallery to pay directly from your Wise balance.
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Angelo ***********
@Richie ******
According to the AI overview and my cross check on the wise web site: this does not work for PromtPay payments in THAILAND.
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Angelo ***********
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Ade ********
Monzo is good on phone if paying over 200 baht.
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Fizz *******
kbank for tourist
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Alek *********
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Chris ********
TAGTHAi app through K Bank. You preload funds at K Bank currency exchange booth using foreign currency. It’s the only app that I’ve found that works with the Prompt Pay QR code and small vendors.
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Chris ********
And that comes with an equally unfavorable conversion rate and a set ATM fee.
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Marianne ********
@Chris *******
you need foreign money to top up. Which makes it a terrible choice even if it was the only choice.
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Chris ********
@Mari****
, at some point, most folks need to convert foreign currency to Thai baht. The rate to top up the TAGTHAi app with foreign currency is the same as the rate at the Kbank currency exchange.
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Marianne ********
@Chris *******
I think most folks will withdraw at the ATM in Thailand, never bringing any foreign currency at all.
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Marianne ********
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Chris ********
The only fee seems to be the currency exchange rate.
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Kevin ******
You have to load foreign funds, right? So someone would have to bring quite a bit of cash?
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Steven *********
ORIGINAL POSTER
@Chris *******
any fees to use the tag thai app ??
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Christopher **********
The fees come in the foreign money conversion with them that is required. Additionally, as others have reported, it works on some of the QR networks but not others. You can have it work for some vendors in a market but not others, so I always had cash too.
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Christopher **********
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Faron *************
@Chris *******
this seems like the only answer that is worth setting up so far. The other apps seem to only function at places that likely also take credit card.
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Dany ********
@Faron ************
no its shit because you need foreign money for top up. cash… and limited booths… TrueMoney is far better
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Marc ********
@Dany *******
probably more complicated if you're coming with 10k USD
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Dany ********
@Marc *******
you want to put 10k USD on a limited TagThai account? lol probably not even possible.
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Dany ********
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Chris ********
@Fa***
, agree.
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Faron *************
@Chris *******
one more question if I load more than I need can I receive the funds back at the end of my trip?
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Chris ********
@Fa***
, according to the app, ā€œguaranteed buyback at the same rateā€.
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Chris ********
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ElĆ­as ********
TrueMoney
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Nick ********
Cash is King!!
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Sheen ************
@Nick *******
not in lots of countries any more. Expect you still use quill pen?
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David ***********
@Sheen ***********
in Thailand it definately is
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Nick ********
@David **********
Thank you!!!

Someone actually agrees with me šŸ‘ Most people who disagree have probably never travelled outside of touristy hot spots, visit most parts of Isaan and cash is definitely King!!! šŸ‘Œ
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David ***********
@Nick *******
if you spend any time here, you know. Many take card etc overwhelmingly prefer cash. Not to have some cash is crazy
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David ***********
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Arild **********
@Nick *******
was that a real answer to the question ?
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Steven *********
ORIGINAL POSTER
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Gary *********
@Steven ********
cash is king !!
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Gary *********
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Andreas ***********
I use wise card you can take out up to 200Ā£ cash a month without charges and use as much as you want as a debit card.
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Dany ********
@Andreas **********
you still pay 250 baht atm fee.
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Andreas ***********
@Dany *******
yeah always have to pay fee this side
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Dany ********
@Andreas **********
then just use your foreign bank card and take 30k baht in one go.
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Dany ********
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Nelson ******
@Andreas **********
but all Thai ATMs will deduct a 220 THB fee
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Steven *********
ORIGINAL POSTER
@Andreas **********
$200 a month or week?
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Andreas ***********
@Steven ********
a month but the charge is not that bad considering you get the best exchange rates if you take out more. Best thing take some of you home cash to change draw out the 200 when needed and use card where they take it.
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Andreas ***********
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Christopher ********
I've seen people using Moreta pay app to pay food vendors etc VIA QR code.
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Jesper *******
Truemoney app accepted at most places 7-11,big C ,lotus,restaurants at malls and can scan personal QR if upgraded to advanced member
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Nelson ******
@Jesper ******
Yes TrueMoney wallet/app is the best by far. Business and Personal QR codes, top-up by cash at 7-Elevens (when their system allows it) or bank transfer (I ask a friend) and can use it to pay most bills (electricity, water) or top-up your mobile phone account.
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Dany ********
@Nelson *****
3k top up limit at 7-11 makes it so annoying. but good if you have a true shop nearby and have higher limits there
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Jesper *******
@Dany *******
will save the trouble of topping up if you do have a thai bank acct....I linked my debit card to the app which automatically deducts from bank whenever I make payment
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Dany ********
@Jesper ******
while this topic is about NOT having a thai bank account…

i rather just use cash. no need to bank account.
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Dany ********
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Jonathan ********
@Jesper ******
can you deposit funds into it without Thai bank account?
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Dany ********
@Jonathan *******
cash top up
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Matts *************
@Jonathan *******
yes at 7-11 or true shops
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Matts *************
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Summer ******
Moreta pay- I used it for months before I got my Thai bank. It didn’t have personal QR codes but they were going to include that last I heard.
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Nelson ******
@Summer *****
not working for personal QR codes is troublesome, all street vendors and a lot of shops I frequent use personal QR codes.
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Summer ******
@Nelson *****
then use cash.. I answered the question that was asked. šŸ¤·šŸ»ā€ā™€ļø they don’t have a Thai bank so they don’t have much of a choice huh? šŸ™ƒ
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Nelson ******
TrueMoney does a good job at providing a means of paying by scanning
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Nelson ******
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Thorsten *********
@Nelson *****
exactly the reason to not bother with any of these apps. None of them work with personal qr. Stores that accept it take visa/MasterCard anyway
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Thorsten *********
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Chris ********
@Sum***
, I’ve tried using Moreta pay and have never had success with QR codes at Big C, Tops, or PEA. QR code not recognized every time. What’s the trick to getting it to work?
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Summer ******
@Chris *******
oh that’s very strange.. I used it when it was in beta and I didn’t have any problems like that at all. Only issue I had was loading money takes 2-3 days and can’t use personal QR codes BigC lotus Makro even Lazada all worked fine for me
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Jae *****
@Summer *****
2 to 3 days? Wow, I am always able to load funds immediately.
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Summer ******
@Jae ****
is it UK? UK is instant -US if it’s linked to your bank is 1-3 days but usually 3-4 days and as I said I used it when it was in the beta stage. Maybe it’s changed.
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Jae *****
@Summer *****
Ahh, ok. No I currently use American dollars. I haven't tried using British pounds.šŸ™šŸ¾
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Summer ******
@Jae ****
I also use US but it’s not instant because it’s with my routing number not my debit card
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Summer ******
@Jae ****
then you must use apple pay or a debit card and pay 2.5% fee šŸ¤·šŸ»ā€ā™€ļø the picture I posted shows the difference.
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Jae *****
@Summer *****
No, I blocked out my account but it's via my routing # (bank account)
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Summer ******
@Jae ****
ok šŸ‘
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Summer ******
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LaMiracle ********
Sometimes it’s recognizable through T-Land sometimes it’s not.
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LaMiracle ********
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LaMiracle ********
Moreta
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David *********
@LaMiracle *******
money gram to a Thai friend for $1.99
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Neil ******
@LaMiracle *******
I got a Moreta but a lot of the smaller restaurants and shops use personal QR codes and it only supports business accounts, great for
****
or lotus’s . I live in bua yai though, a small town in isaan
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Adri ********
@Neil *****
What’s a Ā« personal Ā» QR Code ?
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Neil ******
@Adri *******
its what comes up on my phone when ive tried to pay at small restaurantsā€ i,m sorry we do not support personal qr codes yet in this countryā€
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Neil ******
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Nelson ******
@LaMiracle *******
your funds have to be converted to USD first. Not the best way to get Thai Baht.
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LaMiracle ********
It works tho
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LaMiracle ********
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Ralph *******
@LaMiracle *******
Expensive to load money onto the account.
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LaMiracle ********
No it’s linked to your bank. Depends on how you upload
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Dany ********
@LaMiracle *******
they have 2% fee on payments. thats a lot
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Mark ********
@Dany *******
Not in Thailand...
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Dany ********
@Mark *******
then whats the fee for top up? there certainly is a fee ;)
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Mark ********
Same as everywhere else but that wasn't your statement was it...
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Ralph *******
@LaMiracle *******
I think it’s ok if loaded from a US bank account. But for any others the money has to be converted to USD first. There are fees each time.
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Ralph *******
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Brian ***********
Cash always works
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Benjamin *********
When you have cheap chzrlie rentalšŸ˜…
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Angelo ***********
@Brian **********
Most stupids answer this year so far. Good job!
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Brian ***********
@Angelo **********
look at the Likes..

CASH IS BEST. Just trying to help a noobie.
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Brian ***********
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Doug *******
@Brian **********
The OP asked about paying without carrying money.
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Martin ********
@Doug ******
I agree. Ask a specific question on here and get answers nothing to do with the question. Then it usually develops into insults and aggressive comments.
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Brian ***********
@Doug ******
just trying to help. CASH is worry free. Unless your paranoid about getting mugged.( Thailand is really safe , not 100% though ) No apps , data on phone , network downs or CASH only vendors to worry about .
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Brian ***********
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Sean **********
Nope. Many stores are going cashless. KFC , McDonalds, other restaurants.
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Brian ***********
@Sean *********
I wouldn't know. I wouldn't eat that crap if it was free. Hence no issue.
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Brian ***********
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Uwe *********
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Brett *****
Yeah, 1000 baht notes are always welcomed by vendors selling 60 baht noodles...

But yes, try to use cash where practical.
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Fizul *********
@Brett ****
Damn, I just used a 1000 baht note twice recently for a 64 baht ride on MRT. No problem at the window. I was apologizing profusely.
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Brett *****
@Fizul ********
At least it was MRT and not a street vendor
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Brett *****
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Brian ***********
@Brett ****
I use 7 11 to cash larger bills.

Big cash in stash pocket , smaller bills in other pocket. Don't show large cash amounts. 30 years here. No problems
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Fizul *********
I don't the same. Shorts with 4 or 5 pockets.
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Brett *****
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Brett *****
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David *****
As Steven said, maybe not good or safe to carry too much cash. So your answer is superfluous.
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Kevin ******
Starting to see more and more places not take cash.
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Tony ********
I’m here now been here two months. I’ve not come across a single business….. restaurant…. Whatever who refuses cash. Zero, not one.
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Tom *******
@Tony *******
doesn’t mean anything other than that you have not experienced it…yet. Absence of evidence is not evidence of absence.
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Tom *******
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Carlos *********
@Kevin *****
never noticed, thats all I use
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Kevin ******
Cashless ? It’s my preferred way, too.
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Brian ***********
@Kevin *****
love when the electronic pay goes down. Your choice, not mine . Never used it , Never will
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John ********
@Brian **********
I won’t use cash anymore but you’ve got me good on that single point.

And it’s always midnight for me.

I’ll just pay for all that beer I’ve drunk.…oh shit.
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Kevin ******
To each is own. 555
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Kevin ******
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Dany ********
@Kevin *****
have not seen any and easy to find alternatives if so
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Kevin ******
Absolutely there are alternatives, and there are a number of cash only places (coffee shops, for example) here in BKK.
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Kevin ******
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ElĆ­as ********
Not 100% always. Many places I frequent, such as Starbucks, don't take cash. This is a global trend.
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Robin *******
@ElĆ­as *******
places that sell proper coffee take cash
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Adrian *********
Was wondering why anyone would drink Starbucks with such good coffee around šŸ¤¦šŸ½ā€ā™‚ļø
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Adrian *********
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Carlos *********
@ElĆ­as *******
many? Very few and starbucks is all over, so the next one takes cash. Cash is kingnwith no extra fees
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Steve ******
@ElĆ­as *******
😳 our Starbucks sure takes cash in Baht, Kip, Dollar, Pound……
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Thom **********
@Steve *****
the
@Star*****
near me only takes cards.
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Graham *********
Boycott
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Brian ***********
@Thom *********
don't go there then. There is a donut chain , I love it , go in , order 2 dozen , when boxed and ready to pay , I pull out CASH , they refuse , I walk away. Screw them
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Thom **********
@Brian **********
I was not going to use my USA debit card for a coffee. I went of Cafe Amazon instead..
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Sean **********
THAT HAPPENED TO ME AT dairy Queen. I had to use my credit card there for $1 purchase. Same at IKEA. Mc Donalds in Mega BangNa
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Thom **********
@Sean *********
you can buy a rabbit card for dairy queen or McDonalds.
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Sean **********
@Thom *********
I would rather eat at a food court.
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Sean **********
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Braulio *********
K bank has an app you prelload with funds and pay via a QR code just like a resident with a bank account... as a visitor it might be easiest to g to the K bank branch in Paragon, ground floor
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Tom *******
@Braulio ********
do you mean the one for tourists they just brought out? The one where you have to give up all your biometrics and heaps of other data as well? Not a wise choice should you go down that road.
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Nick ***********
My understanding is that with this you can only load it with foreign currency. Was this your experience also?
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Nicholas ******
@Braulio ********
hoping to use Currensea card this year low charges and now being recognised
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Dany ********
@Braulio ********
it needs foreign cash top up which makes it so stupid to use
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Robert *********
@Braulio ********
that doesn’t work everywhere though as I got one last year, when I realised how limited it was I never bother reloading on it.
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David *******
@Robert ********
True Money app is brilliant! Top up in
****
and it works with streetcarts!
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Piero *************
@David ******
You do not need a True Move SIM card to use the TrueMoney Wallet app. You can download and use it perfectly fine with your AIS phone number.

Since you are in Thailand, here is how to make it work for your 7-Eleven trips:

1. Can I use it with AIS?

Yes. The app is carrier-neutral. You just need a Thai phone number (which you have with AIS) to receive the OTP (One-Time Password) for registration.

2. Is it useful for 7-Eleven?

Extremely. It is the primary cashless payment method for 7-Eleven in Thailand.

* Small Purchases: You can pay for anything, even a 10 Baht bottle of water (unlike credit cards, which often require a 200 Baht minimum at 7-Eleven).

* Points: You can link it to the "All Member" rewards program to collect points.

3. Setup for Foreigners (KYC)

Since you likely do not have a Thai National ID, you will need to register as a foreigner.

* Download the App: Select "foreigner" or "scan passport" during sign-up.

* Verification: You will need to take a photo of your passport and a selfie within the app.

* Approval: Approval is usually fast (sometimes instant, sometimes within 24 hours).

* Limitations: With just a passport, you get a "Basic" wallet. This is perfect for paying at shops (7-Eleven, Lotus's, etc.) and topping up your phone, but you generally cannot use it to transfer money to other individual people.

4. How to Top Up (Put money in)

Since you don't have a Thai bank account linked (unless you do), you can top up the wallet easily:

* At 7-Eleven: Just walk to the counter, tell them "Top up True Wallet," show your barcode in the app, and hand them cash.

* Kiosks: Use the orange "Boonterm" machines found in front of many 7-Elevens (though the menus can be tricky in English).

Quick Tip: If you plan to buy a lot of small items (water, snacks), loading 500-1000 THB onto the app via cash at the counter once a week is much more convenient than dealing with coins every time.

If you have instead a Thai bank account and it's app

Instead of asking the TrueMoney app to pull money from your bank,( you cannot as foreigner, because cannot register with no thai id)) you use your Bank app to send money to TrueMoney.
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David *******
@Piero ************
yes I know ! I have one and use it everyday!
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Robert *********
@David ******
if only there was some kind of system where you could tap and pay like the Suica/Icoca cards in Japan, they are everywhere.
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Nick ***********
Apple Pay and credit cards sadly aren’t accepted everywhere here and if it is then there’s usually a fee.
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Nick ***********
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