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What are the workarounds if my Thai bank accounts are closed?

Thai bank accounts Payment apps WAIWIN True Money Moreta Tag Thai Cash alternatives Foreign bank agreements Payment methods for expats

Aug 21, 2025

3 days ago

Anonymous *************

ORIGINAL POSTER

I have 2 thai bank accounts but are worried they will be closed. What are all the ”work arounds” if that would happen? I know about Moreta, Tag thai and true money. Is there anything else?

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TLDR : Answer Summary

The user is concerned about the potential closure of their Thai bank accounts and is seeking alternatives. They already know about options like Moreta, Tag Thai, and True Money. Comments suggest additional alternatives such as the WAIWIN app, Wise account, and leveraging cash withdrawals from ATMs, despite complications with fees and limits. Recommendations for using foreign bank apps that operate in Thailand, especially for users from Asia, are also mentioned.

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Elías ********

Where are you from? Most Asian banks have agreements to allow their customers to use their apps to pay in Thailand. You can use QR scan if you have a Korean, Japanese, Singaporean, etc. bank account.

2 days ago

Dee ******

I’ve just started using WAIWIN can top up using any bank I’m using Revolut and scan works on both personal and business. Download the app.

Tag Thai you can only top up in foreign currency and Moreta only allows business scans and the majority of places in Samui are personal despite being businesses.

True can only top up in True stores or 7-eleven or with a Thai bank can’t use a non Thai bank.

So far WAIWIN has been the best.

2 days ago

Hector **********

@Dee *****

I’ve been looking for the same as OP as my thai bank was frozen 2 days ago

I’m on DTV so I’m not eligible for any thai banks

I’ve looked into all the options available, opted for DeepPocket at the moment but has high fees for top ups and a monthly charge for QR

Never heard of WAIWIN so I will download now and give it a go

Thank you 🙏

2 days ago

Anonymous ******************

@Hector *********

so Bank not reopen account because now you change to dtv?

2 days ago

Reply to

Anonymous ******************

Anonymous *************

ORIGINAL POSTER

@Dee *****

Thanks, hadn't heard of this one before but it seems like the best option available

2 days ago

Dee ******

Anonymous participant I hadn’t I started Saturday, topped up 3k which is the minimum initially, but didn’t clear til Monday as it was weekend. I have used it and it does work fine.

Moreta I topped up using Revolut and they couldn’t add the funds for some unknown reason, despite emailing to say now accepting Revolut! It took them over a week to refund that back to me!

2 days ago

Reply to

Dee ******

Anonymous ******************

Moreta and true money! you got all you need.