Everyday money: PromptPay, QR codes, cash and foreign-card ATM fees
Facts verified · 2026-07-11
PromptPay is the Bank of Thailand-backed instant payment infrastructure, live since 2016. It links a bank account to a proxy — a citizen ID number, a mobile phone number, a corporate registration number or other identifiers — so anyone can pay you without knowing your account number, and QR codes built on it are accepted from street stalls to hospitals. The official fee schedule caps transfers cheaply (free below 5,000 baht, no more than 2 baht up to 30,000, 5 baht up to 100,000, 10 baht above), and in practice most banks dropped digital transfer fees entirely from 2018. Thailand has also linked PromptPay QR to several other countries' systems — among them Singapore (PayNow), Malaysia (DuitNow), Vietnam, Cambodia, Indonesia and others for cross-border payments.
For foreigners the practical route is registering your Thai mobile number as the proxy through your bank's app, since the citizen-ID proxy requires a Thai national ID; banks handle foreign customers slightly differently, so expect some variation. Do not let QR ubiquity fool you into going cashless: markets, songthaews, small restaurants and much of life outside the cities still run on cash, and foreign cards often cannot pay via Thai QR.
On ATMs: Thai banks levy a flat per-withdrawal surcharge on foreign cards on top of whatever your home bank charges, so fewer, larger withdrawals are cheaper. When any ATM or card terminal offers to charge you in your home currency, decline it — dynamic currency conversion rates are consistently worse than paying in baht.
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The flat foreign-card ATM surcharge (commonly around 220 baht per withdrawal in recent years) is set by each bank and changes without notice, as does which banks let foreigners register PromptPay in-app versus at a branch. The foreign-card ATM surcharge (~220 baht/withdrawal), the mobile-number-proxy registration route for foreigners, and the 'pay in baht not your home currency' rule of thumb are bank- and card-network practice, not statute — confirm with your bank. Thai QR generally needs a Thai bank app or a linked wallet from a connected country, not a foreign card.
General information, not legal advice. Laws and practice change; for a decision that matters, confirm with the authority named in the sources or a licensed professional.