My Thai bank accounts are not limited to 10,000 baht digital transactions. The restriction I encounter is a 50,000 baht limit per mobile banking transaction, not a 10,000 baht limit. This is not a policy unique to any one bank. It stems from anti-fraud measures and enhanced identity verification requirements introduced by Thai regulators and implemented across the banking sector. Thai nationals can generally complete the required identity verification processes and, subject to their bank's approval, obtain significantly higher transaction limits. Foreign account holders often face additional restrictions and may remain subject to lower app-based transfer limits. Where larger amounts need to be transferred, banks can usually process them through additional verification procedures, either at a branch or via direct contact with the bank. For example, large one-off transactions such as a vehicle purchase can be accommodated after communication with the bank. In short, the 50,000 baht per-transaction limit is a regulatory and security-driven restriction rather than a policy imposed by any particular bank. The 10,000 baht limit you are stating is not standard restriction for foreigners, which would suggest that the issue is specific to your account transaction settings.
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