DeepPocket is a wallet from the Thai company T2P that lets foreigners pay by PromptPay QR without a Thai bank account. There’s no subscription fee, and QR payments themselves are free: what you pay for is topping up, 4.5% from a foreign card and 2% by other methods. New limits apply from 17 September 2026: QR payments in shops up to 500,000 baht a month, QR transfers to people up to 50,000, and a standard cap of 30,000 baht per transaction and per day.
No more subscription
In the first half of 2025, QR payments for tourists were sold as a package, the Tourist Access Plan: 399 baht for 30 days, up to 50,000 baht by QR. It was dropped in the summer, and since then T2P has said there’s no monthly fee. The 399-baht plan still turns up in secondhand write-ups: if you come across it in someone else’s review, it describes how things were before summer 2025.
In the fee table, QR payments, both to a person and in a shop, are free. The same table notes that over time a 5-baht fee per transaction may be charged for top-ups used for such payments.
What topping up costs
There are two rates for tourists. A top-up from a foreign Visa, Mastercard or JCB card costs 4.5%, with a minimum of 300 baht: putting in 10,000 baht will cost you 450. Any other method, such as a transfer from a Thai banking app, costs 2%, with a minimum of 200 baht. The promotional 3.5% rate for card top-ups ended on 30 June 2026, and from 1 July it’s 4.5% again.
Limits from 17 September 2026
T2P recalculated its limits to meet the regulator’s requirements, and the new rules apply to everyone, including those who passed verification earlier. If an account had higher limits, they were cut back to the standard ones. What matters for everyday life:
- QR payments in a shop, café or market: up to 500,000 baht a month;
- transfers to a person by QR, to their bank account or to their wallet: up to 50,000 baht a month for each of these methods;
- Visa card purchases in Thailand: up to 700,000 baht a month, abroad up to 500,000;
- balance: no more than 300,000 baht;
- top-ups by card: up to 100,000 baht a month, in cash through Counter Service up to 50,000, from a bank up to 500,000.
The standard cap for new accounts is 30,000 baht per transaction and 30,000 a day, but it differs by type of transaction. Limits are counted per person, not per card: a second wallet or a second card on the same passport won’t double them.
The tenfold gap between paying in a shop and transferring to a person isn’t a whim of T2P. In July 2025 the Bank of Thailand wrote exactly these figures, 500,000 and 50,000 baht a month, into its standard for tourist wallets: you can pay merchants a lot, while transfers to people are capped more tightly. T2P itself attributes the new limits to fraud protection and the regulator’s requirements.
T2P doesn’t publish a separate limit for a single QR payment. In summer 2026 users reported a cap of under 2,000 baht per such payment; whether it still applies after 17 September, T2P doesn’t say. Before a large payment, such as rent or a deposit, check the limit in advance. If the payment won’t fit, cash is easier: roubles to baht exchange with delivery (in Russian).
Verification
From 17 September 2026 a foreigner needs a passport with an NFC chip. If your passport has no chip, you provide one more document along with it.
Transfers and withdrawals
Withdrawing money to your own Thai bank account costs 15 baht, and you can withdraw up to 200,000 a month this way. DeepPocket sends money abroad in two ways: to a Visa card through Visa Direct for 89 baht, or through Wise in 16 currencies, with the app showing the final amount before you send; in total, no more than 500,000 baht a month goes abroad. If a withdrawal or refund is processed by customer support, it’s 30 baht. Card payments to foreign merchants cost 1.5% if the bill is in baht and 3.5% if it’s in a foreign currency.
If you’re leaving for a long time
An abandoned wallet costs money. After six months with no transactions DeepPocket deducts 20 baht a month from the balance; after twelve, 200 baht a month if there’s less than 2,000 in the account and 100 baht if there’s more. Another 20 baht is charged for failed payments: from the fourth in a row within three days when the balance doesn’t cover them. Before a long trip away, withdraw what’s left.
Why PromptPay matters more than the card itself
PromptPay is Thailand’s national payment system: since 2016 people have used it to send money by phone number, ID card number or bank account number. Everyday payments all run on it: the QR code on a street food stall, a transfer to your landlord, the internet bill. Cash is accepted everywhere here, but more and more situations assume you’ll simply scan a code.
So for a foreigner without a Thai account, what matters most in DeepPocket isn’t the Visa card but the ability to pay by QR. Without it the wallet is just a card; with it, it becomes a local means of payment.
How to set up DeepPocket and how it differs from TrueMoney is covered in the article “Paying by card in Thailand without a bank”.
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