Let’s talk about True money and its benefits. Please note I also have a long term visa and Thai bank account so I have an ‘advanced account’ with True Money.

Process

1) apply for an account using the app. You need a Thai phone number as everything is based on this. Any Thai carrier works it doesn’t have to be True.

2) once your advanced account is approved you can also get a virtual prepaid mastercard generated in the app. Useful

3) you can top up via bank transfer, cash at 7-11 or at a true money kiosk at the true shops in the mall.

Spending

1) can pay any business or individual with QR code payments. The so called ‘Scan’. Very convenient and no need to carry coins etc

2) utility bills can also be paid along with topping up your phone etc

3) can use with Grab. There is pre built integration between the apps so the transactions come out of your account. No more foreign credit card fees or drivers not having cash change

4) the prepaid Mastercard has many uses such as Bolt or online shopping

5) you also have your own QR code to receive money from other peoples bank accounts

6) can withdraw money to your Thai bank account but I haven’t tried that yet.

Overall what this allows me to do is keep my bank account ‘clean’ for immigration purposes without a large number of small transactions.

I signed up for True money. Working well for 7-11 and grab payments. Trying to unlock the advanced features such as scan to pay . When I uploaded my non O visa they said it was expired. I am on a retirement extension. Has anyone else experienced this?

looking for advice/suggestions on paying in Thailand -without- a Thai bank account for things like bills, rent, services, etc.

List of apps I found mentioned:

- Tag Thai, True Money (issues with limited top up)

- Moreta Pay (Biz QR codes only it seems, not personal QR)

- Wise card (good for rent, not sure about bills and services)

- Jamjang (not looked into this yet)

please comment if you have experience using them so we can help others in here. or if you know of a reliable way you've been using yourself.

I understand getting a Thai bank account is the best way, but not all will be so lucky to get one. so instead of doing that, I'm looking for other solutions.

looking forward to reading your helpful comments.

kop khun khrap 🙏