How to Pay Like a Local in Thailand without Thai Bank Account

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If you're planning a trip to Thailand or staying for more than 3 months, and you're wondering how to spend money easily without opening a Thai bank account—since tourists typically can't open one just for spending—this is the news you’ve been waiting for. Thailand now offers TAGTHAi Easy Pay, a digital wallet for foreign tourists. It lets you pay like a local—safely and conveniently—using Thailand’s QR code system known as PromptPay, with zero transaction fees.

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TAGTHAi is Thailand’s official all-in-one travel super app, developed through a collaboration between the Thai government and private sector partners and Kasikorn Bank. It aims to simplify and enhance the travel experience for both international and domestic tourists by consolidating essential travel services and information into a single platform.

Why TAGTHAi Easy Pay is your best choices

No Thai Bank Account Needed
Tourists no longer need to open a Thai bank account just to scan QR codes or pay locally. TAGTHAi Easy Pay is a perfect alternative.
Zero Transaction Fees
No extra charges when paying via QR code or using your PAY&TOUR card. What you load is what you spend.
Free Prepaid Card
You get a free PAY&TOUR Visa card (from Kasikorn Bank) that works like a local debit card at shops and ATMs.
Easy Top-up in Your Own Currency
Load money from supported foreign currencies via app—currency is converted at competitive rates.
Widely Accepted
Use it at 8 million locations in Thailand—street food vendors, restaurants, massage shops, taxis, and more.

Step-by-Step: How to Get the TAGTHAi PAY&TOUR Card

Step 1: Visit a Kasikorn Bank Foreign Exchange Booth

Go to any participating Kasikorn FX booth (many are located at airports like Suvarnabhumi, Don Mueang, and Phuket)
Show your passport
Receive your free PAY&TOUR prepaid card
Keep the reference number on the back—you’ll need it to link the card

Step 2: Download the TAGTHAi App

iOS and Android users can download “TAGTHAi – Thailand Pass”
Install and register using your passport information

Step 3: Link the Card to Your TAGTHAi Wallet

Open the app, go to Easy Pay
Tap “Link Card” and enter the reference number and your passport info
Set up your 4-digit PIN for security

How to Use TAGTHAi Easy Pay in Thailand

To Pay via QR Code:

Tap Easy Pay > Scan QR
Use your phone’s camera to scan the merchant’s PromptPay QR
Enter the amount and confirm payment
Show the confirmation screen to the merchant

To Use Your Physical Card:

Tap or insert your PAY&TOUR Visa card at card readers
Works at most shops, restaurants, and supermarkets

To Withdraw Cash (if needed):

Use any Kasikorn Bank ATM
Daily limit: 10,000 THB
No fee for withdrawals with your PAY&TOUR card

To Top-Up:

In the app, choose “Top-Up”
Select your home currency, amount, and payment method
Currency is converted, and Thai Baht is added to your wallet

Things to Keep in Mind

Refunds: You can only refund up to 10% of your total top-up, and only within 15 days of the first top-up.
Card Validity: The PAY&TOUR card is valid for 1 year. You can reuse your balance if you return to Thailand within that time.
In-country use only: You can’t use it outside Thailand or for international online purchases.

You can visit Tagthai website for more details here https://www.tagthai.com/explore

TAGTHAi Easy Pay is a huge win for travelers in Thailand. No more Thai bank account needed. No more currency confusion. Just scan, pay, and enjoy your trip like a local.

Planning a trip or need help with visas and relocation to Thailand? We’re here to help—reach out anytime!