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What are the pros and cons of using prepaid cards like Moreta Pay and TrueMoney in Thailand?

Thai prepaid cardsMoreta PayTrueMoneyKasikorn BankATM feesFinancial services for expatsForeign currency exchangeTop-up options for prepaid cards
Mar 24, 2025
10 days ago
Salween *******
ORIGINAL POSTER
This can be a promising alternative to Thai Bank for those who have not been able to open Thai bank account.
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TLDR : Answer Summary
The discussion revolves around alternatives to traditional Thai bank accounts, specifically focusing on prepaid cards like Moreta Pay and TrueMoney. While some users mention the convenience of using these services without the need for a Thai bank account, others express concerns about high ATM fees, the necessity of cash top-ups, and the lack of online recharge options. Comments highlight the challenges of foreign currency exchanges and the potential costs associated with these prepaid services.
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Biff *******
I just received a reply to my email asking if there’s an online top up facility and the answer was no. Currently the only top up for the card associated with this app is at a Kasikorn Bank foreign exchange booth.

I have further asked if that means on,y cash, or if foreign cars can be used to do that.

Waiting for their reply.
10 days ago
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Richie-Rich ********
I’m just curious how much they paid for his sponsorship
10 days ago
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Richie-Rich ********
How does this compare to, say, Line Pay?
10 days ago
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Bruno ********
There is also DeepPocket but i think in this last months they added a price for promtpay service
10 days ago
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Robert *********
but this thaitag is starts from 29 USD/day according to the appa description
10 days ago
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Bruno ********
q bit expensive
10 days ago
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Angelo ************
@Bruno *******
 yes it's 399 THB per month now
10 days ago
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Max *****
@Bruno *******
 400 baht per month
10 days ago
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Max *****
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Misha **********
Not true. Cannot avoid high ATM FEES when you must deposit cash. Plus all the hassle. And financial tracking.

Thats not a good solution
10 days ago
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Jim ********
@Misha *********
 Majority of people are actually honest and don't worry about "tracking" 😂😂😂
9 days ago
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Jim ********
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Thuu **********
Might only be convenient for short terms visitors.

You can’t top up THB directly.

You have to exchange your foreign currency to top up at Kbank exchange.
10 days ago
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Alain ***************
Can i top up with credit card or always need to go to kasikorn booth?
10 days ago
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Dany ********
you still need to top-up with cash 🤣 so there is definitely some cost/fee involved… and then you probably wont find these booths everywhere.

TrueMoney is also available.
10 days ago
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Daniela *********
@Dany *******
 only top up by cash? But there's no sense like that 🙈🤣
10 days ago
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Dany ********
@Daniela ********
 yeah the thing that you need to top up via cash all these solutions is pretty stupid :(
10 days ago
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Daniela *********
@Dany *******
 I've tried to check if is possible to transfer money directly from bank account, but I couldn't find any details
10 days ago
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Daniela *********
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Ivan ************
@Dany *******
 EDIT: thank you to everyone for confirming True Money does support PromptPay.

OP (incorrect): I don't think TrueMoney supports PromptPay which is the general Thai bank QR system supported by basically everyone. Vendors have to support TrueMoney specifically. This typically means larger retailers like 7-11, Lotus, etc, while PromptPay is much more universally supported including by smaller vendors.
10 days ago
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Hananai ***********
@Ivan ***********
 true money does support prompt pay
9 days ago
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Weeraphat ******************
@Ivan ***********
 Truemoney accepts promtpay(as for me a thailand citizen) but im not sure about foreigns
9 days ago
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Hananai ***********
@Weeraphat *****************
 it does you need to have a Thai driver lic or a work permit
9 days ago
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Weeraphat ******************
@Hananai **********
 yep and verify at 7-11 but my case im thai citizen so no prob. But i had issues abt foreign cards and getting charged alot of atm fees.
9 days ago
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Weeraphat ******************
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David ***********
@Ivan ***********
 TrueMoney supports PromptPay for payments to merchants via QR codes.
10 days ago
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Anonymous ******************
@Ivan ***********
 Yes and it has to be foreign currency so you can't add Thai bhat and use QR system
10 days ago
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Kévin *********
@Ivan ***********
 True money support PromptPay :)
10 days ago
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Carlos *********
@Kévin ********
 For DTV holders? I tried and it asks for work permit in Thailand
10 days ago
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Dany ********
@Carlos ********
 dont need the work permit. local driving license as a second proof of identity. easy
10 days ago
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Dany ********
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Dany ********
@Ivan ***********
 it’s all a big hassle anyway. no real benefit. just have cash and all is good and easy. atm every 50m in thailand 😅 you wont find a K-Bank foreigner booth everywhere.
10 days ago
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Dany ********
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Adam ********
I've been using Moreta Pay. They charge 3% per transaction, but the onboarding via ACH is like $0.45.

Wondering how this compares cost wise via the exchange rate.
10 days ago
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Georgijus ************
So it says no ATM fees ? so where from money coming to prepaid card ?
10 days ago
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Valentinas ********
@Georgijus ***********
 you exchange cash and put on you e-wallet balance. ofc exchange rate is lower than you can normally get
10 days ago
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Georgijus ************
So it's good only for tourists who coming for few weeks, not for DTV holders who plan to stay for years.
10 days ago
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Andi ***********
@Georgijus ***********
 yep, you are better of long term with Wise and the like or Thai account
10 days ago
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Andi ***********
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