Answered10 months ago
What are the requirements for increasing the daily transfer limit at Kasikorn Bank in Thailand?
Because of the trouble with the missing "international transfer" deklaration at Bangkok Bank I opened a Kasikorn bank account.
At my first higher transfer I noticed there is a daily limit of 50k Baht. Very annoying.
I went to the bank branch and asked them to raise the limit.
They said no possibility (money laundering).
So I applied for a temporary higher daily limit by the bank app.
After two working days, my request was rejected with the explanation that 50k per day is sufficient for my needs. Really?!
Is accepting a temporary increase in the daily limit arbitrary?
Or does anyone know what requirements must be met to receive a temporary limit increase?
Unfortunately, I've already transferred a lot of money to my Kasikorn bank account, and now I can't use it in the way that's standard practice with other banks.
I often have to transfer more than 50k. This year I renovated and expanded my partner's house. And next year I want to build a new house.
In many forums, Kasikorn Bank is praised as the holy grail. For me, it definitely isn't.
I thought I'd use Kasikorn Bank to make quick and easy international transfers, and now I've discovered that I can't withdraw the money in a simple, normal way.
What a mess.
At my first higher transfer I noticed there is a daily limit of 50k Baht. Very annoying.
I went to the bank branch and asked them to raise the limit.
They said no possibility (money laundering).
So I applied for a temporary higher daily limit by the bank app.
After two working days, my request was rejected with the explanation that 50k per day is sufficient for my needs. Really?!
Is accepting a temporary increase in the daily limit arbitrary?
Or does anyone know what requirements must be met to receive a temporary limit increase?
Unfortunately, I've already transferred a lot of money to my Kasikorn bank account, and now I can't use it in the way that's standard practice with other banks.
I often have to transfer more than 50k. This year I renovated and expanded my partner's house. And next year I want to build a new house.
In many forums, Kasikorn Bank is praised as the holy grail. For me, it definitely isn't.
I thought I'd use Kasikorn Bank to make quick and easy international transfers, and now I've discovered that I can't withdraw the money in a simple, normal way.
What a mess.
Answer summary
The discussion centers around the frustrating experience of a user trying to increase their daily transfer limit at Kasikorn Bank, which is capped at 50,000 Baht. Despite multiple attempts through the bank's app and in-branch inquiries, the limit increase requests were denied, citing money laundering regulations. Users in the comments share mixed experiences, suggesting patience, showing consistent account activity, or using other banks as alternatives. Many emphasize the importance of understanding local banking regulations and have provided personal anecdotes about their own limits and strategies in handling larger transactions.
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Daniel *********
That sucks it should be all your money anytime you want it. They took my
800,000b one shot and it landed in 15 minutes from my US bank to the K bank. My limit is 200,000b per day that is still bullshit they took my 800,000b and when I want it I should get it .Call the bank contact number to request a daily limit increase. Also interest is @.25% paid once a year or every six months. Talk about a scam
800,000b one shot and it landed in 15 minutes from my US bank to the K bank. My limit is 200,000b per day that is still bullshit they took my 800,000b and when I want it I should get it .Call the bank contact number to request a daily limit increase. Also interest is @.25% paid once a year or every six months. Talk about a scam
Jay **********************
I have had zero issues with K-Bank. Like it much better than Bangkok Bank
Terry ***********
I bought a new car earlier this year and had to get a bank cheque to pay for it which incurred a healthy fee for the cheque
Tim ******
OP@Terry **********
Luckily, I still have an unlimited Bangkok Bank account. So I can transfer 50k daily to Bangkok Bank for 20 days before I begin construction.I thought I'd transfer money to Kasikornbank, since it's faster and safer (via Wise). I could live with a temporary limit increase, but they wouldn't allow me to raise the limit.
Terry ***********
@Tim *****
Wise was good for awhile but atm fees were killer and, I have recently received notice from Wise that their fees are being raisedTerry ***********
We are currently building a house and having other developmental work done, this includes paying suppliers and various trades. The 50k daily limit is so restrictive and annoying because I am constantly carrying large sums of cash to meet our needs.
Tim ******
OP@Terry **********
If you have a contract for the entire house, including the interior design, you'll have to transfer 200k a few times. But if you do the boundary wall, carport, interior design, and much more yourself, you'll constantly need more than 50k.Tim ******
OP@Terry **********
Yes, exactly.
Quizas ****************
open a current account, get a cheque book, pay by cheque.
Tim ******
OP
Daniel *******
They’re just making it harder and harder to use money so fewer people will complain once they offer an alternative.
Tim ******
OPDaniel *******
@Tim *****
that’s not what I’m talking about
John **************
Just go on o the bank direct
Tim ******
OPto withdraw cash? 😄
Yaoyu ***********
Are you that sure the 50k THB is the limit of an international transfer ; not of a cash withdraw ?? 🤔😲
Tim ******
OP@Yaoyu **********
50k is the total daily limit, including cash withdrawal.According to other comments this is the new standard.
To combat money laundering
Miley ********
I have same issue, got limit changed to 200k per day, only lasted 30 days, then back to 50k thb per day.. My rent here is more than 50k thb so this causes me some issues
John *********
Sounds like the Bangkok Bank ain't so bad then.
Brook ********
@John ********
until Bangkok bank freezes your account for two months without warningJohn *********
I meant for people transferring large amounts.Agree big problems with freezing accounts.
Pete *******
K PLUS transfer limits as follows:
Transfer between your own accounts which are linked to K PLUS: No transaction limit or total daily limit.
Transfer to other KBank accounts: No limit per transaction, and total daily limit of 2,000,000 baht.
Interbank funds transfer: Limit of 50,000 baht per transaction, and total daily limit of 2,000,000 baht
Transfer between your own accounts which are linked to K PLUS: No transaction limit or total daily limit.
Transfer to other KBank accounts: No limit per transaction, and total daily limit of 2,000,000 baht.
Interbank funds transfer: Limit of 50,000 baht per transaction, and total daily limit of 2,000,000 baht
Tim ******
OP@Pete ******
I don't know where they got this information.The highest daily limit in my KBank app is 50,000 Baht.
I can't transfer more money a day from Kasikorn Bank to Bangkok Bank.
My application for a temporary increase has been rejected.
I can't request another temporary increase for one month.
Pete *******
@Tim *****
the info is copy and paste off their website so I don’t know what to tell you.
Steve ********
i had that limit with them, just recently the app allowed a limit increase to 200k with face id. had the account about 12 months now
Jeff *************
Maybe it’s because of Agents, you know putting your 800,000 into the account and then taking it out asap
Brook ********
@Jeff ************
it’s because of mule accounts, scam centers and fraud. If Thailand wanted to stop visa fraud they would start in Phuket inside their own offices.
Jeff *************
I had the same problem, I just went to the bank and got it in cash, I was buying a new car
Tony **********
I encountered the same issues. ATM limited to 20k a day, transfers limited to 50k. You can do multiple transfers of 50k up to a maximum daily limit...
It's a pain, but not an issue except about 1 day every 8 weeks when i make a larger purchase. They gave me a temporary 30 day limit of 200k. Just have to wait on the phone for 30 minutes with their call center. The branch for Kbank doesn't seem to be able to do anything other than open accounts and take your phone to call customer service. This is one area where Bangkok bank was superior. But I'm not willing to have my account frozen with no communication or explanation anymore so i guess I'll live with restricted transfers.
It's a pain, but not an issue except about 1 day every 8 weeks when i make a larger purchase. They gave me a temporary 30 day limit of 200k. Just have to wait on the phone for 30 minutes with their call center. The branch for Kbank doesn't seem to be able to do anything other than open accounts and take your phone to call customer service. This is one area where Bangkok bank was superior. But I'm not willing to have my account frozen with no communication or explanation anymore so i guess I'll live with restricted transfers.
Wannikea *********
Even though the branch maybe able to authorize a temporary limit, I would be talking to the main customer service number to get a more permanent solution. More than likely it's going to be run through head office.
Jim *******
If you are building a new house, a Thai developer would issue the quota. Far over 50K THB, ok, the bank would allow that while it goes from your International transfer.
You money transfer, not labelled as International transfer, had raised a suspicion of money laundering.
Honestly, 50K THB a month is a fair amount of money to live on anywhere in Thai. The government made it 65,000 THB to be able to support yourself in Thai.
You money transfer, not labelled as International transfer, had raised a suspicion of money laundering.
Honestly, 50K THB a month is a fair amount of money to live on anywhere in Thai. The government made it 65,000 THB to be able to support yourself in Thai.
Michael ********
Had a similar experience with with SCB when I wanted to buy a motorbike. I contacted their helpline and by the afternoon they increased my daily allowance.
Tim ******
OP@Michael *******
Not so with KBank.Richard ****************
Transfer it to your missus account direct, or you may have to pay tax if you are here more than 180 days. We did some maintenance around the house and I brought in about 1.1m baht into my account in the 12 months so I had to pay tax, as I live here full time.
Richard ****************
No it's a gift to her, you can gift up to 20m baht per annum in Thailand.
Tim ******
OP@Richard ***************
I've had many discussions about this. The Thai recipient doesn't have to pay taxes up to 10 or 20 million per year. But the sender has to pay taxes if the money doesn't come from savings.Richard ****************
@Tim *****
wrong sorry ask a tax agent not he webTim ******
OP@Richard ***************
I discussed this here and with the AI.I phrased the questions in many different ways for the AI.
But the answer was always the same: income brought into Thailand must be taxed, regardless of who ultimately receives it.
Richard ****************
@Tim *****
where else would it come from and it doesn't matter at all as far as I am aware and I don't think you have had that many discussions to be honest. I found that out by looking on the Thai revenue dept web site. 🤔Richard ****************
@Tim *****
not if it comes from OS account through a currency conversion and I don't believe in any case it matters, it apparently is that amount so wealthy Thais can pass on to there children etc without taxes. Anyway, 10m baht or 20 it's plenty for a year without any building going on. And every year is 20m baht max every year every year not once now 🤔Tim ******
OP@Richard ***************
If I transfer money directly to my partner, I have to pay taxes on it (if it isn't from savings) because it is money that I brought into Thailand.Tim ******
OP@Richard ***************
I transferred a lot of money from my savings to Thailand this year.But I have little income this year.
I only had to pay taxes based on my earnings in 2025.
Yaoyu ***********
@Richard ***************
Do you know the limit on the amount in your account for tax ?? 😲It’s your own money ; foreigners need to pay tax for having much your own money in your account ?? 🤔
Richard ****************
@Yaoyu **********
it's based on how much you bring into the country in a calendar year and tax paid or not. Not how much you have in your account.Richard ****************
Check with a proper tax accountant here
Richard ****************
@Yaoyu **********
As I understand it you will pay tax if none has been paid already and most pensions have tax already paid when set up if they are SFPension and many Gov pensions are paid tax exempt. If the tax is less than you would pay here you will pay the difference even under dual tax provisions.
Peter *********
I had the same problem , I did manage temporarily limit increase to 100,000 for 24 hours . Managed to do it same day . Now I plan ahead with multiple transfers on different days. I still have BKK bank where I transfer larger amounts sending them to K bank after as I’m not confident with BKK bank any more
Trav **********
Exactly
Understand***********
I call bs on your story. Even if you renovate a house or build one, with 50k a day, we talk about 1,5 million baht a month. Let's be honest, it's enough for renovation or building a house. Also you can make bigger transfer from a bank in another country , to a thai bank account, in one time. Something is fishy here.
Tim ******
OPUnderstandingYuzu1000
You're not thinking straight.
I live in 2025 and I'm used to having the money from my bank accounts readily available.
Do you think I want to transfer 10 x 50,000 every time I want to renovate something or buy a car?
A year ago I bought a car using the Bangkok Bank app. Payment was made via Bangkok Bank transfer, Face ID, and it was done.
You're not thinking straight.
I live in 2025 and I'm used to having the money from my bank accounts readily available.
Do you think I want to transfer 10 x 50,000 every time I want to renovate something or buy a car?
A year ago I bought a car using the Bangkok Bank app. Payment was made via Bangkok Bank transfer, Face ID, and it was done.
Understand***********
@Tim *****
to buy a car, I paid directly with my foreign account. You're full of sh or dont know anything about the banking system. Also what bank could you have abroad that would have sufficient funds for what you want to do and not offer international transfer and payment to Thailand bank accounts ? None of the people having real money encounter your issues . Something is fishy about your story.
Tom *******
I opened with K bank last month and transferred
*****
0 bth straight away and no problem went back to bank with book and they updated balance for me
Chizel *******
There are some options to increase your limit as mentioned above, plus you can withdraw cash and deposit it into the account you need to pay.
Marty *********
I was able to temporarily raise my Bangkok Bank limit to pay a hospital bill. 145,000฿ Two weeks ago
Ossie *********
I did an instant transfer on my Kasikorn bank account for over a million baht two years ago when I purchased a new car no questions asked all I did was to go into the app and change the daily limit once completed I went back into the app and changed it back to my normal limit as I said this was two years ago also if I want to transfer from my wise to Kasikorn it allows me to transfer 2 million
Chris ************
6 months before they adjust it if it's the same as krung Thai.
Bill *********
I have the same limit. I just do multiple transfers of B50k to eventually reach the desired amount after a few days.
Ning ******
Wait a while, after a few 50k transfer and apply again. I got mine change to 200,000.
Troels ******
I use the Kasikorn app. They recently set low values on all transactions. I just changed my daily transaction limits for my card to 150,000 baht. 30,000 limit on ATM withdrawals and 50,000 on transfers. I just paid over 120,000 in 3 lumps no problem.
Datsun ******
When I opened my Bangkok Bank last year the limit was 2 million, the bank account was frozen in the summer. Re opened after 2 weeks, no problem with the limit.
I have Kasikorn and SCB and they both are limited to 50,000 each.
Together they meet my requirements
I have Kasikorn and SCB and they both are limited to 50,000 each.
Together they meet my requirements
Sally ********
@Datsun *****
SCB need you to sign up for facial recognition if you want to transfer more than 50,000. I can't be bothered so if I ever have to transfer more I just make several transactions...Datsun ******
@Sally *******
same
Ken ********
Is this available new rule. I used to be able to transfer 500k with Bangkok Bank.
Glenn **********
*a transaction not a week
Glenn **********
I raised my limit to
*****
0 baht a week after opening my account with them. It was approved two days later
Per-Arne ***********
That’s strange. I can select a daily transfer limit up to 2.000.000 in my internet bank with Bangkok bank
Nelson ******
Does any other Thai bank have a higher than 50k limit?
Tim ******
OP@Nelson *****
My total daily limit at BBL is 2mil.
Les ********
If you start transferring 50,000 a day now, you’ll be fine by the the time you want to do renovations
Brook ********
You can easily transfer more than the limit by going into the bank and answering the question of why you want to transfer a large amount.
Something like, “I’m renovating my house” is sufficient to alleviate concerns your old and confused, a scam victim or a money mule.
By your own admission, this is maybe twice a year, so… no big deal.
Something like, “I’m renovating my house” is sufficient to alleviate concerns your old and confused, a scam victim or a money mule.
By your own admission, this is maybe twice a year, so… no big deal.
Tim ******
OP@Brook *******
Exactly what I did.
Greg ******
Did they provide evidence of your money laundering? If they are going to accuse a person of a serious crime then they need evidence.
Brandon ************
@Greg *****
this is a standard policy applied across all Thai bank accounts. It has been in the news multiple times.Greg ******
Punishments should only apply to criminals.
Jesper *******
Prevention is better than punishment.....
Russell *******
They're not accusing him. They're saying money laundering is the reason why there is a daily limit. He's only just opened the account.
Greg ******
If he is not a money launderer then his account should not be restricted. Restrictions are for criminals not normal people.
Yo***
@Hans ********
yes. The main problem with such strict measurements is, there are a lot of people involving in such money laundry and scam business. tourists from every where, who do not have enough budget are the good target for scam gangs and syndicates. They pay good money for their bank accounts, mule accounts, and pay for advertising other people to work for them. To be honest, money is here the matter. If someone in Thailand, and short of money, he or she is easily falling into scam business. That is why Thailand has tightened banks and immigrations.
Hans *********
@Yo***
yep, but that's the main reason they scrutinize everything nowYo***
@Hans ********
Money laundry and scam business are everywhere by many nationals involved. Some are hardcore involved, some are indirectly involved.Hans *********
They do it because Chinese, Russians have abused the system for scams
John *******
U can use credit advise at BB which works. I did not when I did my one retirement extension last week for the monthly method. They accepted based on my SS COLA I get once a year. Immigration knows that there is a problem with BB. Show them the source of the money or sign up for credit advise.
Tony *******
Give it a bit of time I requested the same and they did about a week later. I think this happens due to the amount that pops up I think 200’000 baht they will review it periodicall. By the way dont go to another kbank branch unless your just doing a ATM withdrawal. Their other branches charge a fee for other bank services
Stephen *********
In the UK the daily limit is half that, so what gives you the right to start demanding more In Thailand. Their country their rules. Suck it up and learn to forwarded plan your finances. If a builder needs 150,000 draw it out over 3 or 4 days prior to the payment date. It’s not rocket science
KC ****
@Stephen ********
well saidTim ******
OP🤡
Tim ******
OP@Stephen ********
bs comment.Other banks in Thailand and Southeast Asia countries don't have limits you can't easily raise.
Stephen *********
@Tim *****
well either use those banks or move to the other countries. Boils my piss to listen to Farangs moaning about what the Thais do and don’t do. As I said in my previous comment their country their rules. Like it or lump itTim ******
OP@Stephen ********
bs comment no. 2.Probably from a fair-weather expat who is only here for three months of the year.
And if I don't agree with everything in the places where I live, I can talk about it without letting some idiot silence me.
Do you really think that if something minor isn't to your liking, you'll abandon the home you've built?
There were things in my home country that I didn't like, too, and I could talk about them without getting pissed off by some idiot.
Feel free to scroll further if you don't like my comment.
Peter *********
@Stephen ********
it depends on your status with the UK bank , my limit is much higher .KC ****
@Peter ********
starling and Revolut are one million GBP I think
Johan ***************
@Stephen ********
I have had unfortunate dealings with banking in the UK (HSBC) so I would not be surprised. Stone-age stuff.Tim ******
OPJohan ***************
@Tim *****
Quite a few years ago. Actually I lean more towards "never again HSBC" (due to experiences also with HSBC Malta) than "never again UK banks". Their security procedures were thoroughly incompetent.
Lee *******
@Stephen ********
no it’s not. Standard is £25k per day which can be increased as needed. Are you thinking of atm withdrawals? Again that can be increased.Brandon ************
You don't think it's a little suspicious if someone opens a new account then immediately requests a higher transfer limit? Use the account for a while and show that you need more than 50k per day. That would involve hitting the maximum multiple times per month and nothing wrong happening with your account.
Tim ******
OP@Brandon ***********
before I use the Bangkok Bank and there is no limit restriction.Brandon ************
@Tim *****
The restrictions have been added for every bank account. Even for Thai people.Tim ******
OP@Brandon ***********
Still have 2mln limit at BBLTim ******
OP@Brandon ***********
I opened the account 6 months ago.I send my partner every month part of my pension. Every month I need two transfers for it.
Carsten ************
@Brandon ***********
it's not about new accounts. It has changed about 2 months ago for all accounts hold by foreigners.Brandon ************
@Carsten ***********
I know. And those people can request to have their limit increased. But this person opens a new account and then immediately requests a limit in crease. That's suspicious.Brandon ************
@Carsten ***********
Take it up with the Thai government and the Bank of Thailand. That's their new rules.Carsten ************
@Brandon ***********
only a temporary increase is possible, after waiting 2-3 working days for approval. That's a mess.Chris ************
@Brandon ***********
yep. Very suspicious to spend your own money. 50k is nothing.
Lloyd *********
This is Thailand, 50k baht is a LOT of money to most Thai's.
If you can't manage to spread the transfers over several days maybe you need the advice of a financial advisor 🤔
If you can't manage to spread the transfers over several days maybe you need the advice of a financial advisor 🤔
Chris ************
@Lloyd ********
the fact that you think 50k is alot says you need more than a financial advisor. Yes even for Thai people it's not a lot. And yes of course there are people with more money and people with less. I'm amazed at the IQ level and these responses. I have 6x this limit at my other Thai bank. It's just when you open new accounts that they lock you down.Tim ******
OPBrandon ************
@Chris ***********
New accounts don't normally immediately request to avoid measures put in place to prevent scams.Activity
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