I know there's a lot of discussion surrounding bank accounts. My friend and I both got our DTVs at the same time but the difference is that I already had a BKK Bangkok so he decided to explore Tag Thai and the experience wasn't good.

I'll share what happened in case anybody else is thinking about trying TT.

Both landed at Swampy and straight to Kasikorn booth where you can see heavy advertising for TT. "No hab". After 2 more attempts found one land side but it seems the staff really have no interest in this card and each time try to put us off using it or seemed to be just tired of people asking about it.

The booth that did have it, the lady really did not want to have anything to do with it and pleaded with another colleague to set it for my friend. Overall I find this quite strange again giving the heavy promotion.

I was about to get one as a backup in case my bank acc got frozen and had my baht ready in hand but here's the major downfall of this card. You can only load it by converting foreign currency into Thai baht at a Kasikorn booth. You cannot load it directly with THB which is totally bizarre. So basically outside major cities without a Kasikorn exchange you're screwed.

He also had huge difficulty paying and scanning as well as the app constantly crashing. Finally he withdrew the baht and binned the card. Waste of time.

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?

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 🙏

For this DTV holders like me who failed to open a bank account. Have you tried or heard about Tag Thai? Seems like you can pay with QR code thanks to this app. Any feedback from anyone? I want to go tomorrow to subscribe. I dream of not having to go around with cash all the time.

Thanks 🙏