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

@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?

@Angelo **********

use bank account from your own country then for online payment

@Thierry ***********

The question of the author is about paying via QR code.

For example cash does not work for an online payment.

/FACEPALM

@Mike ******

"For those with NO Thai bank..."

As in: how do you handle it without a Thai bank.

@Trevor ******

yes but you can't pay with revolut scanning a code in Thailand i live here 8y so long enough to know

@Richie ******

According to the AI overview and my cross check on the wise web site: this does not work for PromtPay payments in THAILAND.

@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.

@Chris *******

I think most folks will withdraw at the ATM in Thailand, never bringing any foreign currency at all.

@Marc *******

you want to put 10k USD on a limited TagThai account? lol probably not even possible.

@Dany *******

probably more complicated if you're coming with 10k USD

@Fa***

, according to the app, “guaranteed buyback at the same rate”.

@Chris *******

one more question if I load more than I need can I receive the funds back at the end of my trip?

@Nick *******

if you spend any time here, you know. Many take card etc overwhelmingly prefer cash. Not to have some cash is crazy

@David **********

Thank you!!!

Someone actually agrees with me 👍 Most people who disagree have probably never travelled outside of touristy hot spots, visit most parts of Isaan and cash is definitely King!!! 👌

@Andreas **********

then just use your foreign bank card and take 30k baht in one go.

@Jesper ******

while this topic is about NOT having a thai bank account…

i rather just use cash. no need to bank account.

@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

TrueMoney does a good job at providing a means of paying by scanning

@Jae ****

ok 👍

@Summer *****

No, I blocked out my account but it's via my routing # (bank account)

@Jae ****

then you must use apple pay or a debit card and pay 2.5% fee 🤷🏻‍♀️ the picture I posted shows the difference.

@Jae ****

I also use US but it’s not instant because it’s with my routing number not my debit card

@Summer *****

Ahh, ok. No I currently use American dollars. I haven't tried using British pounds.🙏🏾

@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.

@Summer *****

2 to 3 days? Wow, I am always able to load funds immediately.

@Adri *******

its what comes up on my phone when ive tried to pay at small restaurants” i,m sorry we do not support personal qr codes yet in this country”

Same as everywhere else but that wasn't your statement was it...

@Mark *******

then whats the fee for top up? there certainly is a fee ;)

@Dany *******

Not in Thailand...

@LaMiracle *******

they have 2% fee on payments. thats a lot

@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.

@Fizul ********

At least it was MRT and not a street vendor

I don't the same. Shorts with 4 or 5 pockets.

@Brian **********

Yes?

@Tony *******

doesn’t mean anything other than that you have not experienced it…yet. Absence of evidence is not evidence of absence.

@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.

To each is own. 555

@Kevin *****

love when the electronic pay goes down. Your choice, not mine . Never used it , Never will

Cashless ? It’s my preferred way, too.

Absolutely there are alternatives, and there are a number of cash only places (coffee shops, for example) here in BKK.

Was wondering why anyone would drink Starbucks with such good coffee around 🤦🏽‍♂️

@Thom *********

I would rather eat at a food court.

@Sean *********

you can buy a rabbit card for dairy queen or McDonalds.

@Brian **********

I was not going to use my USA debit card for a coffee. I went of Cafe Amazon instead..

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

Boycott

@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

@Steve *****

the

@Star*****

near me only takes cards.

@Piero ************

yes I know ! I have one and use it everyday!

@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.

Apple Pay and credit cards sadly aren’t accepted everywhere here and if it is then there’s usually a fee.

@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.