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What are the implications of the new 50,000 baht transfer limit in Thailand's banking system?

Thailand banking regulations 50,000 baht transfer limit money laundering concerns Thai visa holders banking experience financial regulations expat challenges in Thailand digital currency CBDC impact

Aug 20, 2025

a day ago

ORIGINAL POSTER

An update by BOT on the 50,000 baht limit 🙄

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TLDR : Answer Summary

Recent updates indicate that banks in Thailand have imposed a daily transfer limit of 50,000 baht. This decision has sparked a mix of frustration and concerns among expats and locals, prompting discussions about the reasons behind these changes, largely attributed to combating money laundering. Users express dissatisfaction with the perceived inconvenience and the implications of government control over finances. Some suggest practical solutions like contacting banks for larger transfers, while others reflect on their banking experiences under the new regulations.

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Michael ********

I have alway set mine at

*****

anyway because of scam potential.

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Max *************

Read this article and you'll see why only a low percentage of thais are affected by these new limits at some banks.

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Ning ******

Already started since the start of this month. No notice at all. Went to the ATM to transfer moeny and it says 30k max. Went to the branch and they made a new bank book and did a appeal for me. They say it will take 2 days. After 2 days, got a sms saying appeal got rejected. App is at 50k, and appeal only last 30 days. In the end. Use bank book and passport and did a withdrawal and deposit at the counter. Now either go bank counter or pay by installment if amount is greater than 30 or 50k..... and keep the vintage bank book with passport from now on. Crappy.

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Max *************

I'm banking with both Bangkok Bank and KBank and my daily limit at Bangkok Bank is 2 million baht. I'm not complaining.If using KBanks internet bank K BIZ the transfer limit is much higher than in the app.

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David *******

it's as though the money in your account belongs to them and you're asking them for a loan! Oh please please please can I have the money in my account ? "No no no you don't follow the rules and you'll have to beg us for some of the money because while we have it ...it belongs to the Bank!"

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David *******

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Немања **********

Why so much whining about this, like everyone transfers over 50k every day?!

If you want a larger money transfer, for some bigger purchases, investments or whatever - contact your bank, make an agreement (maybe go there) and you're done. So it is not impossible.

This is a mechanism of banks to protect their interests, because of irresponsible and stupid (sorry to say so) people.

50k a day is 1.5m a month... reading the comments here, you get the impression that everyone is a billionaire.

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Carlos *********

@Немања *********

are you serious? How many transfers would you need to make at 50k to get your 800,000 in before a deadline!?!

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Немања **********

@Carlos ********

I’m not sure I understand what you mean. Are you only talking about deposits? Transferring money involves more than just that. As I mentioned, the transfer limit doesn’t apply to all users, it specifically refers to online banking. There are other ways to deposit money into the account, though they may require a bit more effort and contacting the bank directly.

I also don’t understand what you mean by “how many transfers of 50k are needed to reach 800k?” Where are you transferring the money from - abroad to your bank account in Thailand? As far as I know, such deposits can still be made without these restrictions.

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Немања **********

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Jennifer ******

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Ian **********

Regretfully, this is what happens when certain groups abuse the banking system by laundering money from illicit sources, and worse still arrange for locals to open mule accounts. Hopefully, when the banks clean up these illicit accounts, and confidence returns, the rules will gradually relax. In the meantime, at least the option is there to arrange larger transfers with your bank branch.

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Sel *****

All preparations for CBDC and then we are all really fkd with the governments having full control over their citizens money and what they can spend it for.

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Jeremy ********

All the banks need to do is put some kind of fraud mechanism on the accts

2 factor authorization, acct freezing if a big transaction is noticed, 2-3 days to clear transactions etc etc etc

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Frank *********

It just never stops. What are they thinking to impose all these ridiculous rules and changes lately. Anybody with a brain and without ties to the country will avoid it like the plague

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Brandon ************

@Frank ********

Because people are too stupid for their own good. They are getting scammed in droves and cry endlessly when they fall for it. So now the government is trying to protect them from themselves.

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Frank *********

@Brandon ***********

typical nasty farang comment

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Tony *****

@Frank ********

Brandon is one of the good guys on here. I’m not sure that was called for. I understood perfectly what his point was. Maybe lost in translation

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Max *************

@Frank ********

He's totally correct.

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Gary ********

@Frank ********

"Truth" "you can't handle the truth" ...name that film 5555

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Chris *****

ORIGINAL POSTER

I want the truth, BUT 😅

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Billy **********

😂

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Brandon ************

@Frank ********

it's literally what's going on?? So many people were getting scammed and complaining about it, but the government didn't know how to fix it, so they made a new law that just started a couple of months ago. This new law says the banks are responsible for all scam and fraud losses. So now the banks are "fixing it" their own way, by making it so the most anyone can lose is 50k. This is among many other things that are currently going on with the banks, including closing accounts without a sim card that has the same name linked, facial scans and other biometric measures, etc. It's all down to people getting scammed and complaining about it.

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Brandon ************

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