14 hours ago, CallumWK said:

SCEME

Did you mean SCAM?

Ootherwise no idea what a SCEME is.............apparently there is a company which is a "Digital currency management platform"

18 hours ago, ukrules said:

What they didn't know is that she was about to go into a private hospital for an operation which would cost up to 300,000 Baht - so instead of simply sending this money to her as they wanted 50% before and the remainder on discharge I had to move my own ass down to the bank and I withdrew 500k in cash, some of which was then used to pay for the operation in cash which they questioned at the hospital - she told them it's due to the banks limits as they sat there like idiots counting large amounts of cash like it's the 1980s - they had not heard this before.

 

I think the reason why they hadn't heard this before is that most Thais with the means to afford a 300k baht operation at a private hospital have - and love to use - various credit cards with all kinds of perks and sufficiently high limits.

 

Still, it's insane that a bank can refuse to increase the limit on spending YOUR OWN money that you already have in your account. Crazy.

On 10/23/2025 at 1:07 PM, Liverpool Lou said:

I got a notification on the app today, not an SMS message: 

 

"Notice of maximum daily transaction limit for your KBank debit card.

Debit Card Number xxxx-xxxx-xxxx-xxxx

Cash withdrawal Limit 100,000Baht per day

Funds Transfer Limit 100,000 Baht per day

Spending Limit 200,000 Baht per day".

 

...with instructions for altering those limits

I also received this. 

3 hours ago, topt said:

Did you mean SCAM?

Ootherwise no idea what a SCEME is.............apparently there is a company which is a "Digital currency management platform"

 

On 10/23/2025 at 6:40 AM, msbkk said:

Yes, or card payments. I do nearly everything by credit card in order to collect points which can be converted in airline miles, cash vouchers or even direct discounts in department stores.

Are you talking about non-Thai Credit Cards. If so, the exchange rate used by them is way lower than say Wise. Is that compensated by the Air Miles you can collect?

Of course, by using a UK Credit Card, you have the Section 75 Protection.

32 minutes ago, Caldera said:

it's insane that a bank can refuse to increase the limit on spending YOUR OWN money that you already have in your account. Crazy.

The bank is not limiting how much anyone spends, it is just limiting certain methods of those transactions, you can spend every baht in your account if you want to, the bank cannot, and will not, stop you doing that.

35 minutes ago, CallumWK said:

 

 

and I'll correct that for you. 

If you read the definition properly . Scheme is a term

On 10/22/2025 at 11:32 PM, how241 said:

The bank staff mentioned the police made the bank do this.  

 

Any instruction to Kasikorn would more likely have originated from the Bank of Thailand as banking regulator than the Boys-In-Brown, I think. Sounds to me more like a case of either a particular bank staff member talking through their derriere or some linguistic miscommunication/misunderstanding, though.

 

1 hour ago, Liverpool Lou said:

The bank is not limiting how much anyone spends, it is just limiting certain methods of those transactions, you can spend every baht in your account if you want to, the bank cannot, and will not, stop you doing that.

 

You may find that those methods that the bank chooses to allow you to spend or withdraw more are quite inconvenient if and when you're in hospital, which was the scenario I was responding to.

 

Of course you knew that very well when you wrote your silly reply in defense of nonsensical policies as per usual.

9 minutes ago, Caldera said:

You may find that those methods that the bank chooses to allow you to spend or withdraw more are quite inconvenient if and when you're in hospital, which was the scenario I was responding to.

 

Of course you knew that very well when you wrote your silly reply in defense of nonsensical policies as per usual.

I agree with you that would be inconvenient but it would be a very exceptional circumstance that would not affect 99.99% of people and the only thing that is "silly" is to cite it as a normally occurring situation...but of course you knew that very well when you wrote your comment.    

21 hours ago, Caldera said:

 

I got exactly the same notification, yesterday. 

i also got that at 24 october this would be the new limitation ....., and today 24 oct. i checked in the app from KK on my card settings .... still the same limit as before 100 000 is still the limit there, however as mentioned before when i came Thailand as soon i noticed the BOT changes and all banks changes  i started the reduce my balance at KK from  1100 000 to a very minimum of 28000 bht ....,this at the day by day limit of 50000 baht , and that worked anyway  , they limit ....i reduce balance , simple

Good luck BOT ..., you shall need it i think , something elses i s coming i guess 

forgetting the ret Ext. , now just comming at NON O 90 day and keeping that 800 000 on my E.U. bank , E-Visa on 4 working days , no hassle with whatever new rules TH. invent

2 hours ago, KannikaP said:

Are you talking about non-Thai Credit Cards. If so, the exchange rate used by them is way lower than say Wise. Is that compensated by the Air Miles you can collect?

Of course, by using a UK Credit Card, you have the Section 75 Protection.

I am talking about a Thai credit card. In many years I had never any issues about wrong deductions. Every transaction is automatically sent to my mobile phone. Some suspicious charges

were put on hold by the bank by internal control. Thai cards are safe.

7 minutes ago, msbkk said:

I am talking about a Thai credit card. In many years I had never any issues about wrong deductions. Every transaction is automatically sent to my mobile phone. Some suspicious charges

were put on hold by the bank by internal control. Thai cards are safe.

Does one not have to guarantee the Credit Limit on a Thai Credit Card?

22 hours ago, Caldera said:

 

I got exactly the same notification, yesterday. 

i also got that at 24 october this would be the new limitation ....., and today 24 oct. i checked in the app from KK on my card settings .... still the same limit as before 100 000 is still the limit there, however as mentioned before when i came Thailand as soon i noticed the BOT changes and all banks changes  i started to reduce my balance at KK from  1100 000 bht to a very minimum of 28000 bht ....,this at the "day by day limit" of 50000 baht , and that worked anyway  , they limit ... i reduce balance , simple

Good luck BOT ..., you shall need it i think , something elses i s coming i guess 

forgetting the ret Ext. , now just comming at 2 X (180 days) a year NON O 90 day and keeping that 800 000 on my E.U. bank , E-Visa on 4 working days , no hassle with whatever new rules TH. invent

2 minutes ago, KannikaP said:

Does one not have to guarantee the Credit Limit on a Thai Credit Card?

No.  Sometimes yes.  Read this.....

 

3 hours ago, Sheryl said:

I also received this. 

As I, and my wife,(separate and joint accounts) do not use the app we have not received any notification. As of 3 months ago we have been limited to 20000 at the ATM and denied any increase when we tried to do so. Will check with the bank next week to see if our limits have been changed.

3 hours ago, CallumWK said:

 

Your explanation didn't ! Scheme is correct in English.

1 hour ago, KannikaP said:

Does one not have to guarantee the Credit Limit on a Thai Credit Card?

Without work permit usually yes. I do not see any negative issue with this, the advantages of a local credit card even with a secured credit limit are worth in my opinion. You get a lot of benefits

from shops and sellers and even the card issuer (discounts, vouchers and cash back),

On 10/23/2025 at 1:57 PM, how241 said:

Maybe this was a computer error on my account ? I am over 70 but others have said that is not an issue. I have had this account for many years.  I almost never use my ATM card but I will try it and report back. Thanks to all posters for their info.

I tried my AMT card today and was able to pull out 30K.  Maybe the limits depend on the customers previous account usage?  I don't know. The staff did tell me 20K limit. 

16 hours ago, Upnotover said:

No.  Sometimes yes.  Read this.....

 

If you use the Thai card on a regular basis over a certain limit no fees will be charged.

On 10/22/2025 at 10:44 PM, ukrules said:

I wonder if they altered the actual ATMs - next time I go to the ATM I will withdraw 30,000 as usual and see if it works.

 

Today I made a 30k withdrawal from a Kasikorn ATM as normal. No problem, from what they call a 'Savings Account' in a single transaction.

Received the same notification. Spending limit is 50k/day, before it was 500k (that I'd call low anyway).
That's a total farce. In 2.5 years I've transferred around 25 million THB there and spent nearly all of them, there were many dozens of 100k+ transactions.

 

Has anyone tried to do anything about this?

Also I'm curious about their "Wisdom" premium package. I suppose there should not be such a problem. Is it possible to get it for a foreigner with Elite visa?

On 10/23/2025 at 7:28 PM, ukrules said:

There is a chance they're individually setting limits based on account activity, balances and expected behaviour.

Correct.

They just decreased all my limits without telling me,  ATM withdrawal limit is now 20,000 per day, cannot be increased.  It used to be 200,000.

They did not tell me, I did not get an SMS, I found out by myself.

Last time I checked my limits was 6 weeks ago.

 

They explained to me, that the algorithm sets the limits individually,  according to your history of spendings, of withdrawals, of transfers.

 

20,000 buys basically nothing,  the money in Kbank is pretty much inaccessible.

Branch hours have recently been reduced.

 

I lodged a formal complaint,  but I don't really care - I am done with Thai banks.

 

 

19 minutes ago, Lorry said:

20,000 buys basically nothing,  the money in Kbank is pretty much inaccessible.

Branch hours have recently been reduced.

Yeah, I always keep a nice pile of cash at home just in case and every time I use the ATM I tend to withdraw 50k - first 30k then right after that 20k and that's my usual usage pattern, I'm an old school guy - I use the bank for transfers from my foreign stash of 'old money' from a non resident year then just pay pretty much everything else in cash except flights and limos - normally I pay for them with the card.

Don't forget you can always just pop down the branch and withdraw as much as you want and they won't ever question it

I used the Kasikorn card to pay for a ~160,000 Baht flight with Thai Airways - no problem at all but that was like 7 or 8 weeks ago. Went through immediately - but when booking another much cheaper couple of flights with Bangkok airways (like 15k Baht) about a week later it was rejected - I always had issues with Bangkok airways and the Kasikorn card and sent the Mrs to pay it at 7/11 using a QR code - very strange. I had to do this a few times over the years so not sure what's up with Bangkok Air regarding this. I mean I used to book with them on a regular basis - they know this as they store my passport - very weird and inconsistent across airlines, etc.
 

 

On 11/16/2025 at 11:13 PM, Unknown1 said:

Also I'm curious about their "Wisdom" premium package. I suppose there should not be such a problem. Is it possible to get it for a foreigner with Elite visa?

 

I've got an Elite Visa, had one for more than a decade now - and the bank know about it - but I opened my account before I got the Elite visa on a 'learn Thai student visa' about 13 years ago or something, account remains normal for me at the moment, no messages received - I'll withdraw 50k when I pass an ATM while shopping over the next couple of days and see how that goes.

If it doesn't work then for me it's 500k cash withdrawals at the branch each time I need to refill my 'draw'.

On 11/20/2025 at 5:49 PM, ukrules said:

I'll withdraw 50k when I pass an ATM while shopping over the next couple of days and see how that goes.

 

I figured I'd push the limits this time and withdrew 2 x 30K Baht - no problem.

It seems I got some reaction to my complaint:

Kbank just informed me, that after reducing my ATM card limits to 20,000 they now  reduce my App limits to 20,000, too.

(This has nothing to do with the face scan)

 

BTW they told me that their system may (for every customer individually) adjust all the many existing limits (eg limits for withdrawal, transfer, purchase by card or app) automatically every month.

Like this,  you never know what your limits are.

 

8 hours ago, Lorry said:

It seems I got some reaction to my complaint:

Kbank just informed me, that after reducing my ATM card limits to 20,000 they now  reduce my App limits to 20,000, too.

🤣🤣

I received the similar one. They've reduced limits for transfers and scans to the same insulting 50k as they made it for the card. That makes this account basically useless. Now they want me to beg them for a chance to use my money and only one begging per month is allowed. Seriously?! Or am I supposed to do crazy stuff literally every month just in hope they will let me use my money?!

now i don't understand KK bank anymore  before they reduced my daily transfers to 50 000 bht a day ,my trying to higher it at no result ...., then they reduced the ATM daily 200 000 withdraw amount to 20 000 bht , asking to make it higher  also at no result .

Now out of nowhere it could see my daily transfer whiteout notice can be 200 000 baht (?!...) no email no message just checked it random use ! However only with face scan to do....

 

Maybe they noticed that in October i transferred back the 1 050 000 baht i transferred in to KK BACK to my E.U. account  using day by day the 49500 baht up to the total , leaving KK just 28 000 bht on account and so not extending as planning to 1 year ext. , only the NON O  E-VISA 02 from home country now for 3 months  X2 times a year using up to a yearly  max. 6 month's ....

Could it be possible the algorithm understood it was shooting his own foot ? as no much money would come to Thailand anymore except those with family's here in Th. as they have not much choice ....

 

Bachelors have a choice 

15 hours ago, Lorry said:

It seems I got some reaction to my complaint:

Kbank just informed me, that after reducing my ATM card limits to 20,000 they now  reduce my App limits to 20,000, too.

(This has nothing to do with the face scan)

 

BTW they told me that their system may (for every customer individually) adjust all the many existing limits (eg limits for withdrawal, transfer, purchase by card or app) automatically every month.

Like this,  you never know what your limits are.

 

Maybe they will bounce back up.  Mine just did.  Daily limit had dropped to 200k, just recently it went up to 2m.  I upped the transfer limit to 250k just to see if it would accept it, no apparent problem.  Card withdrawal is currently set to 50k, no idea how high I could make it.  Seems totally random to me, certainly not due to activity.