Understand PromptPay as a payment service linked to participating financial institutions. Check identifiers, recipient names and bank-specific limits without confusing the payment rail with a standalone wallet.
What the official reference establishes
The Bank of Thailand PromptPay page is the primary reference for the service and its standard fee table. PromptPay should not be described as an independent stored-value wallet that every visitor can open without an eligible financial account. The bank supplies the customer account, identity checks, usable channels and security settings. Ask that bank which identifiers and receiving functions your customer category can register. Do not infer eligibility merely because a merchant displays a QR code or a mobile app includes a scan button.
Verify the destination before sending
When paying through an eligible bank app, read the destination name and compare it with the person or merchant you intend to pay. Check the amount, currency and fee before authorising. If using a phone-number identifier, an old contact entry can be misleading after a number changes hands. Ask the recipient to confirm the current receiving details through a trusted channel. A personal transfer and a merchant payment can be presented differently in the app. Do not treat a successfully scanned code as an endorsement of the underlying sale.
BOT standard fee table
| Transfer amount in THB | Published standard fee in THB | Important scope |
|---|---|---|
| Up to 5,000 | Free | Bank conditions and channel still apply |
| Above 5,000 to 30,000 | Less than 2 | Wording follows the BOT English table |
| Above 30,000 to 100,000 | Less than 5 | Not a universal mobile-app charge |
| Above 100,000 to bank maximum | Less than 10 | Maximum remains bank-specific |
The BOT page notes that most banks have waived digital-payment fees since 2018. Therefore use the table as a standard reference, not a claim that every mobile transfer is charged. The final bank confirmation and current tariff determine the transaction you are making.
Limits, balances and security controls
A public fee band is not a promise that your account can send that amount. Banks can apply account-specific or user-configured limits and additional verification. Check whether the allowance is per transaction, daily or shared with other payment types. Keep enough balance for the total debit and any disclosed charge. Do not split transfers to avoid controls or use someone else’s account to bypass eligibility. If a transfer is rejected, read the error and contact the bank through its official channel rather than repeatedly changing settings while another person directs you.
Pre-transfer checklist
- Confirm your account and receiving-identifier eligibility with the bank.
- Check recipient name and current details independently.
- Read amount, currency, fee and applicable limit on the final screen.
- Authorise once and keep the bank-generated reference.
- Check history before retrying a slow or uncertain transfer.
- Use official bank support for a mistake or unexpected debit.
BOT fraud-prevention guidance explains the wider focus on prevention, detection and response. An urgent caller asking you to move money to a “safe account” should not replace your own verification of the institution.
Mistakes and complaints
If you approved the wrong recipient or suspect an unauthorised transaction, contact the bank promptly with the reference, time and amount. Explain whether you initiated the payment and whether any credentials or device access were exposed. Do not assume an instant transfer can simply be cancelled after completion. The BOT contact page publishes 1213 as its central contact; use official routes to find the appropriate financial-help channel. A report supports investigation but does not itself establish reimbursement or fault.
Example: a changed mobile-number identifier
You previously paid a friend using a saved mobile-number identifier, but a later transfer displays an unfamiliar name. Stop rather than assuming the bank has made a harmless display change. Contact the friend through another known route and ask for current receiving details. Do not rely on a reply from the unfamiliar account itself. If the original friend confirms a new identifier, check the new recipient name again before authorising. This example shows why a saved contact is not permanent proof of ownership. Keep the payment reference after a legitimate transfer and avoid publishing the recipient’s full details in a public request for help. The bank should handle an actual mistaken-payment investigation through its official process.
Frequently asked questions
Is PromptPay the same as TrueMoney?
No. PromptPay is a payment service used through participating institutions; TrueMoney is a separate wallet service with its own account terms.
Must every mobile transfer pay the BOT table’s fee?
No. BOT notes widespread digital-payment fee waivers. Check your bank’s current tariff and final confirmation.
Is THB 100,000 a national maximum?
No. The official fee table includes amounts above that level up to the bank’s maximum; your own account may have a lower limit.
Sources and verification
- PromptPay standard fee schedule — Bank of Thailand — 2026-10-23
- Financial fraud prevention measures — Bank of Thailand — 2026-10-23
- Bank of Thailand contact information — Bank of Thailand — 2026-10-23