Skip to content
View in the app

A better way to browse. Learn more.

Thailand News and Discussion Forum | ASEANNOW

A full-screen app on your home screen with push notifications, badges and more.

To install this app on iOS and iPadOS
  1. Tap the Share icon in Safari
  2. Scroll the menu and tap Add to Home Screen.
  3. Tap Add in the top-right corner.
To install this app on Android
  1. Tap the 3-dot menu (⋮) in the top-right corner of the browser.
  2. Tap Add to Home screen or Install app.
  3. Confirm by tapping Install.

Thailand Tightens Mobile Banking to Curb Scams

Featured Replies

4 hours ago, JustinTyme said:

Someone better let the bank know!  Because plenty of people are still using it! 555! Anyway, Let's pretend that is true ... Bangkok Bank is an absolute joy and works perfectly Online Banking and Mobile Application Banking, so you could just use them. 

The reason I said "let's pretend that is true" --- there have been plenty of changes regarding matching your phone number to the account, the browser and version customers use, the status of your face recognition on file, and other factors that can cause the Online Banking to not work.  Perhaps just changing to Bangkok Bank would make your life easier???

Still using what?

If you mean SCB's online banking - it no longer exists.

And it was impossible to set the App up from outside Thailand even with a Thai phone number

I've had no experience of BKK bank so not commenting.

But you didn't read my post properly - the bit that says "....to which I referred in my post above,"

  • Replies 221
  • Views 35.1k
  • Created
  • Last Reply

Top Posters In This Topic

Most Popular Posts

  • As usual, the readers of AN imagine that everything that happens in Thailand including every government decision is about the readers of AN ...   Actually this is about millions of poor and

  • I wrote a letter to Bangkok Post a few weeks ago about this 50K limit nonsense but they didn't publish it - so here it is. The real kicker is that (with KBank at least), a request to increase the limi

  • Who else pines for the Prayut administration?

Posted Images

1 hour ago, david555 said:

you have to make a transaction minus or plus before you get the bank letter , this is a rule from I.O.

Not in Bangkok. 

No transaction necessary if using a FD account.

Many people in Bangkok do it like I do

So can't one still use your mobile phone, log onto the bank website and then do the transfer without any mobile app limitations?  

36 minutes ago, VBF said:

Still using what?

If you mean SCB's online banking - it no longer exists.

And it was impossible to set the App up from outside Thailand even with a Thai phone number

I've had no experience of BKK bank so not commenting.

But you didn't read my post properly - the bit that says "....to which I referred in my post above,"

Oh so online banking is limited or is being limited or is not even possible any more for some banks? So they forced people to use Apps, and now Apps banking has limitation?  Joseph Heller Catch 22?

2 minutes ago, Lorry said:

Not in Bangkok. 

No transaction necessary if using a FD account.

Many people in Bangkok do it like I do

i am under I.O.Jomtien (pattaya) soi 5 , so we must be able to handling our account(s)

Fair enough if under Bangkok ,i am  only aware of my long time I.O. Jomtien handling 

16 hours ago, webfact said:

image.jpeg

File photo for reference only

 

The Bank of Thailand has announced strict new mobile banking transfer limits to combat rising financial fraud, capping daily transfers at 50,000 baht for children under 15 and seniors over 65 opening new accounts.

 

Daranee Saeju, the assistant governor for payment systems policy, stated the measure aims to protect vulnerable customers by introducing a customer profiling system that sets transfer limits based on risk.

 

Users are divided into three groups: suspected fraudsters, general users, and vulnerable customers, with limits categorised into three tiers: under 50,000 baht, under 200,000 baht, and above 200,000 baht.

 

The new policy is already in effect for new mobile banking applicants. Existing users will need to comply by year-end, though banks will individually determine risk classifications.

 

Customers with positive financial histories remain unaffected, and those needing higher limits can request upgrades. Special precautions will still apply to those considered vulnerable to fraud due to their increased susceptibility, reported the Bangkok Post.

 

Currently, Thailand has about 12 million mobile banking users. Existing controls limit mobile banking transfers to 50,000 baht per transaction, with facial recognition, and 200,000 baht per day.

 

However, financial fraud is a serious concern, with June alone documenting 24,500 scam cases linked to money transfers, resulting in losses totalling 2.8 billion baht. On average, each fraudulent case resulted in 114,000 baht lost, with the largest single scam taking 4.9 million baht.

 

Regionally, 22% of fraud cases involve transactions exceeding 50,000 baht sent to mule accounts, yet they account for a staggering 76% of the overall losses.

 

Alarmingly, it takes scammers only three minutes to drain half the stolen funds, whereas victims generally take between 19 and 25 hours to report the crime. In the first half of the year, 78,468 scam cases involved children, while those over 65 were victims in 416,453 cases.

 

image.png  Adapted by ASEAN Now from Bangkok Post 2025-08-20

 

image.png

So all foreigners are suspected fraudsters?

7 minutes ago, jaywalker2 said:

So all foreigners are suspected fraudsters?

Yes.

(Chinese, of course,  are our cousins and good friends, not really foreigners)

 

@BKKBike09 didn't get his one-time higher limit approved,  because,  as the bank said,  he doesn't need it. From his history the bank saw, that the highest amount he transferred in the last 12 months was 8 Baht (his niece wanted KFC's icecream special). So, a limit of 50,000 is more than enough for him.

 

But the assistant manager of a scam compound transfers hundreds of millions every month,  to various accounts in the Cayman Islands. So obviously he needs a higher limit,  and he will get it.

1 minute ago, gk10012001 said:

Oh so online banking is limited or is being limited or is not even possible any more for some banks? So they forced people to use Apps, and now Apps banking has limitation?  Joseph Heller Catch 22?

Indeed - I had a Catch 22 situation.

SCB  shut down their online banking - made you use the App as I mentioned

But it was impossible to set the App up from outside Thailand even with a Thai phone number.

(There was a thread running on here for a while)

 

However, I wanted to send money via Wise to SCB for an upcoming trip as I'd done many times before.....but I couldn't look at the SCB account to check its arrival.  Therefore Catch 22....therefore goodbye SCB 🤬

4 hours ago, OJAS said:

 

 

Bangkok Bank have, however, closed their internet banking service for new applicants since 7 July:

 

https://ibanking.bangkokbank.com/Register/SignUp.aspx

 

Could be only a matter of time before it is also closed for existing users, I fear. 😒

 

Thanks for the update, missed that somehow.

1 hour ago, VBF said:

But it was impossible to set the App up from outside Thailand even with a Thai phone number.

(There was a thread running on here for a while)

 

However, I wanted to send money via Wise to SCB for an upcoming trip as I'd done many times before.....but I couldn't look at the SCB account to check its arrival.  Therefore Catch 22....therefore goodbye SCB 🤬

In Europe

After an upgrade from KK app to Android 9 KK app needed at least Andriod 9, i had the problem too connecting / installing K+ app working , by mobile  Internet , even installed on a newer Smartphone it did not work as needed mobile internet use .....after taking roaming from AIS  i could install on the newer Samsung , and after using it normal by Wifi .

 

For upcoming trips you better bring 9999 euros (not needed to declare  customs under 10000 if UK, or E.U. citizen  and change only at your needs as those Thai banks are behaving now !

Would be refreshing not having to ask permission to access or spend your own money wouldn't it. Just a thought.

 

But if you still don't get it then cool. Keep living under increasing financial tyranny. 

  • Popular Post
7 minutes ago, Conno said:

Would be refreshing not having to ask permission to access or spend your own money wouldn't it. Just a thought.

let them find out  as this get known by more candidate tourists ....

 

the saying : " bring not more money to Thailand than what you can afford to loose " becomes  rule again  ....

  • Popular Post

Digitalization of services is making everything more difficult and slow, the exact opposite of what it is supposed to achieve.

You're treated as a scammer by default.

15 minutes ago, david555 said:

let them find out  as this get known by more candidate tourists ....

 

the saying : " bring not more money to Thailand than what you can afford to loose " becomes  rule again  ....

This isn't going to get any better. I keep banging on about Crypto and Bitcoin especially, about why it is so special being sovereign self custody and permissionless wealth. Even as the fiat noose tightens and boils the frogs more and more with each new restriction announcement like this one, people still give Bitcoin downvotes. When the real financial crisis arrives you'll understand why access to your own money was becoming tighter and tighter. Hey I really don't give a fig if most still don't get it, by the time the penny drops it will be too late. The fiat debt based system is completely broken. I'm prepared for what's coming. Sadly many won't be. 

1 minute ago, Conno said:

This isn't going to get any better. I keep banging on about Crypto and Bitcoin especially, about why it is so special being sovereign self custody and permissionless wealth. Even as the fiat noose boils the frogs more and more with each new restriction announcement like this one, people still give Bitcoin downvotes. When the real financial crisis arrives you'll understand why access to your own money was becoming tighter and tighter. Hey I really don't give a fig if most still don't get it, by the time the penny drops it will be too late. The fiat debt based system is completely broken. I'm prepared for what's coming. Sadly many won't be. 

you still have to change that in a currency for day to day use ..... to buy in any shop ....it is not only investing that counts , or to pay with , need always a bank or a true believer in coins or equal ....(not me ...) 

Has anybody told Immigration?

 

The payment required for a single person's Extension of Visa based on Retirement is 65,000 baht per month, or 800,000 baht invested in a Thai bank account which (in my neck of the woods - I know there will be discrepancies  as every Immigration Office(r) has their own interpretation of the rules) has to be in a single payment made on one day! 

(If it's already been mentioned please accept my apologies - I do not have time to  to scrawl through 5 pages!)

5 minutes ago, david555 said:

you still have to change that in a currency for day to day use ..... to buy in any shop ....it is not only investing that counts , or to pay with , need always a bank or a true believer in coins or equal ....(not me ...) 

Not true lightning wallets, but I agree in Thailand it is restricted. They will have to change and adopt eventually but its a long slow and painful process as the powers that be fight to the death to keep the chains on the rest of us.

 

Have you ever used one? It not called lighting for no reason. Instant and you are in charge, don't need to ask permission of any faceless bank representative.

18 hours ago, webfact said:

On average, each fraudulent case resulted in 114,000 baht lost, with the largest single scam taking 4.9 million baht.

Greed or dementia?

3 minutes ago, JJ-Thailand said:

Greed or dementia?

So let me get this right. One yes one scam transaction of 4.9m Baht in a banking system worth trillions of Baht and this justifies the restrictions on everyone else 5555. C'mon, why is this all so hard to see what the game is here? We are being played and they don't even care anymore how obvious it all is. 

 

25 minutes ago, Conno said:

Not true lightning wallets, but I agree in Thailand it is restricted. They will have to change and adopt eventually but its a long slow and painful process as the powers that be fight to the death to keep the chains on the rest of us.

 

Have you ever used one? It not called lighting for no reason. Instant and you are in charge, don't need to ask permission of any faceless bank representative.

On my age i am naturally old fashion , but i like that nice E.U. green back 😍 (100 € bills) in Cash not at any Bank Wallet ... comparing my total they are 2/3 , but Gold is my favorite , but impossible to even keep monetary Gold in your possession while entering or leaving Thailand Whiteout a import /export license ....😢

14 hours ago, mfd101 said:

As usual, the readers of AN imagine that everything that happens in Thailand including every government decision is about the readers of AN ...

 

Actually this is about millions of poor and uneducated or undereducated Thai people who don't know how to look after themselves in the modern high-tech universe.

Those poor uneducated don't need a limit, because they don't have 50K to transfer

10 minutes ago, david555 said:

On my age i am naturally old fashion , but i like that nice E.U. green back 😍 (100 € bills) in Cash not at any Bank Wallet ... comparing my total they are 2/3 , but Gold is my favorite , but impossible to even keep monetary Gold in your possession while entering or leaving Thailand Whiteout a import /export license ....😢

I get that my friend but I think you'd be surprised to learn my age, I'm no youngster. Totally with you by the way in that I prefer to use cash too. I won't even use my card for payments other than to withdraw cash from an ATM. I am with you 100% on precious metals too. You are correct regarding the portability of Gold, basically it isn't and you have hit the nail on the head once again regarding Bitcoin. Unlike Gold you can travel anywhere in the world and take all of your wealth with you with a simple memorized seed phrase in your head or a cold storage hardware wallet in your back pocket. $10,000 - $100,000 - $1m or more whatever. As I said when the fiat banking system does a 10X 2008 all over again and you want to move with your wealth intact to another country, good luck with currency in a bank or hopping onto a plane with your Gold bars. Look into Bitcoin brother really, it's not just about price and number go up, it's way way more important than just that. 

 

I'm not gaining anything by saying all of this. My motivation is only to help out my financial enslaved fellow man. Take it or leave it. 

24 minutes ago, CallumWK said:

Those poor uneducated don't need a limit, because they don't have 50K to transfer

I know one of these poor uneducated who got scammed. 

She transferred all her life savings to the scammer. 

She even tried to borrow money from friends to transfer more (her friends told her she was being scammed).

The feeling of being defrauded was an emotional disaster,  she cried for days.

 

A transfer limit would not have helped. 

Her life savings were 5000 B.

22 minutes ago, Lorry said:

I know one of these poor uneducated who got scammed. 

She transferred all her life savings to the scammer. 

She even tried to borrow money from friends to transfer more (her friends told her she was being scammed).

The feeling of being defrauded was an emotional disaster,  she cried for days.

 

A transfer limit would not have helped. 

Her life savings were 5000 B.

 

Exactly, there is more behind this.

 

BTW, I'm 67 years old, my daily limit with Kbank is still 5 million, with SCB the daily limit to other banks is also still at the maximum 2 million, as it is with Krungsri.

My limit to other banks with UOB was set at 50.000, and I just successfully changed it to 2 million.

CIMB is also 2 million

 

 

 

2 hours ago, david555 said:

In Europe

After an upgrade from KK app to Android 9 KK app needed at least Andriod 9, i had the problem too connecting / installing K+ app working , by mobile  Internet , even installed on a newer Smartphone it did not work as needed mobile internet use .....after taking roaming from AIS  i could install on the newer Samsung , and after using it normal by Wifi .

 

For upcoming trips you better bring 9999 euros (not needed to declare  customs under 10000 if UK, or E.U. citizen  and change only at your needs as those Thai banks are behaving now !

My AIS in Thailand is set for NO data roaming for obvious reasons. Just calls and SMS.  To be honest, I never even thought of that, but even had I, why the hell should I incur the expense just to suit SCB? And to be fair, I guess I'm not their typical customer - I'm basically a tourist when I go to Thailand - my account was only used 2-3 months of the year, AND SCB ATMs were becoming rather scarce in Pattaya.

 

As for your second point - yes (only in my case its UKP not Euros) plus I have a UK bank account that doesn't charge for foreign currency withdrawals. Of course that raises the spectre of Thai ATM charges, but that's :offtopic:for this thread.

4 hours ago, OJAS said:
12 hours ago, Liverpool Lou said:

It still is with, at least, Bangkok Bank, Kasikorn, UOB and Krungsri.

 

Wrong, Krungsri have now pulled the plug on their online banking service, as have Bangkok Bank for new applicants.

Wrong.  Krungsri's online service has not been cancelled.  Neither has BBL's.  I've used both of then today.

1 hour ago, VBF said:

My AIS in Thailand is set for NO data roaming for obvious reasons. Just calls and SMS.  To be honest, I never even thought of that, but even had I, why the hell should I incur the expense just to suit SCB? And to be fair, I guess I'm not their typical customer - I'm basically a tourist when I go to Thailand - my account was only used 2-3 months of the year, AND SCB ATMs were becoming rather scarce in Pattaya.

 

As for your second point - yes (only in my case its UKP not Euros) plus I have a UK bank account that doesn't charge for foreign currency withdrawals. Of course that raises the spectre of Thai ATM charges, but that's :offtopic:for this thread.

The roaming was ONLY needed for installing the KK app as that need mobile banking , must set off WiFi , after that the app worked on the local E.U. home wifi , no need anymore for roaming setting to use 

17 hours ago, BKKBike09 said:

I wrote a letter to Bangkok Post a few weeks ago about this 50K limit nonsense but they didn't publish it - so here it is. The real kicker is that (with KBank at least), a request to increase the limit takes two days to consider and may even be rejected. And this isn't an 'anti-foreigner' thing - applies to all, nationality regardless.

 

 

 

Given the relentless drive by banks to push customers not to visit branches and instead to rely on the ‘convenience’ of a banking app, imagine my surprise to now be encouraged, by Kasikorn Bank, to use cash for large transactions.

 

Just last week I had the pleasure of withdrawing, at my local KBank branch, several hundred thousand baht of my hard earned money. I then carried the weighty envelope across the lobby of my office building to the branch of another local bank, where I deposited said funds.

 

At this point I should point out that it was not originally my intention to eschew a single, traceable, online interbank transfer. In the past I have used my KBank app, such as when, in March, I made a single transfer of several hundred thousand baht to complete a car purchase.

 

However, Kasikorn have now decided that a rather modest daily limit of THB 50,000 for all online transactions is sufficient for my banking needs. When I queried this with KBank Call Centre I was informed that this is a new policy but that it was possible to request an increase, via the Call Centre, although this would require two days’ consideration and any new transfer limit would be valid for just 30 days. 

 

I duly submitted the request but, sadly, it appears Kasikorn feel I am unable to control my spending: the response to my request (two days later) was to inform me “the current daily limit is appropriate for the needs and circumstances of the user”. 

 

This was accompanied by the helpful suggestion “if you wish to make transactions exceeding the daily maximum limit through K Plus, please consider making multiple transactions gradually or visit a convenient Kasikorn Bank branch to complete your transactions”.

 

Deliberations aside as to how any bank feels able to determine the “needs and circumstances” of a customer, a system that prevents transfer of larger sums via a banking app de facto encourages use of cash in payment for goods and services – a stimulus for the informal economy, to be sure, but counter to the government’s efforts to promote electronic payments as this facilitates tax revenue collection.

 

And what happens should an unfortunate customer find him or herself in urgent need to pay a bill above their preset limit? It is not uncommon for local private hospitals to require a deposit prior to admission in cases where the patient is uninsured: if at death’s door, ‘making multiple transactions gradually or visiting a branch’ is unlikely to be practicable.

 

Perhaps Kasikorn might, at the very least, adjust their policy on temporary transfer limit increases to make decisions immediate and automatically approved, even if only for 30 days, much as with requests for a temporary credit card limit increase.

 

 

I just hoard cash and gold so the foookers dont know I have it and its liquid anytime I want it, the world is getting worse EVERYWHERE

Its safer in my premises than in theirs

4 hours ago, david555 said:

In Europe

After an upgrade from KK app to Android 9 KK app needed at least Andriod 9, i had the problem too connecting / installing K+ app working , by mobile  Internet , even installed on a newer Smartphone it did not work as needed mobile internet use .....after taking roaming from AIS  i could install on the newer Samsung , and after using it normal by Wifi .

 

For upcoming trips you better bring 9999 euros (not needed to declare  customs under 10000 if UK, or E.U. citizen  and change only at your needs as those Thai banks are behaving now !

Though they cans till seize anything over £1000 if they "suspect" its from anything illegal.......personally sick to death of nosey  people asking where xyz comes from, get ferked. Bankers the biggest conmen of  all time along with govts

Create an account or sign in to comment

Recently Browsing 0

  • No registered users viewing this page.

Account

Navigation

Search

Search

Configure browser push notifications

Chrome (Android)
  1. Tap the lock icon next to the address bar.
  2. Tap Permissions → Notifications.
  3. Adjust your preference.
Chrome (Desktop)
  1. Click the padlock icon in the address bar.
  2. Select Site settings.
  3. Find Notifications and adjust your preference.