TrueMoney splits foreigners into two tiers. With basic verification, which is just your passport, the wallet holds up to 30,000฿, you can send up to 5,000฿ a month to other wallets, and withdrawals to a bank account aren’t available. With enhanced verification, a passport plus a supporting document, the wallet holds 50,000฿, and transfers to wallets, to banks and purchases abroad are capped at 50,000฿ a month combined. On top of that there’s a daily cap of 30,000฿ for all basic accounts and for enhanced accounts opened from 3 March 2026, and even payments for purchases count towards it. The figures are from TrueMoney’s table as of 25 September 2026.
Limits by transaction type
- Paying for goods and services in Thailand: “no limit” in the table, but it counts towards the 30,000฿ daily cap.
- Transfers to another TrueMoney wallet: 5,000฿ a month with basic verification, 50,000฿ with enhanced.
- Transfers to a bank account: enhanced verification only, and within the same 50,000฿ a month as transfers to wallets.
- Top-ups from a bank account and incoming transfers: 50,000฿ a month with basic verification, together with cash top-ups. With enhanced, 500,000฿.
- Top-ups and payments through a linked bank account: 50,000฿ a day, and 20,000฿ through Kasikorn, Bangkok Bank and SCB.
- Purchases from foreign merchants: 1,000฿ a month with basic verification, 50,000฿ with enhanced.
- Transfers to Myanmar and Cambodia: enhanced verification only, up to 50,000฿ a month.
- Android versions below 10: transfers to other wallets no more than 10,000฿ a day.
- Card payments by QR to businesses: enhanced verification only, 1,000฿ a month. From 18 September 2026, card payments at Lotus’s, except online orders, are capped at 10,000฿ a month, also enhanced only.
You can still top up the wallet with roubles or crypto through our exchange.
Overall caps
The individual limits add up to overall ones. With basic verification, transfers to wallets, top-ups from a bank and in cash, incoming transfers and purchases abroad together come to no more than 50,000฿ a month. With enhanced verification, transfers to wallets, to banks and purchases abroad fit within 50,000฿ a month, while transfers to wallets and banks, top-ups and transactions through a linked account fit within 500,000฿.
The 30,000฿ daily cap covers payments for purchases in Thailand, transfers to wallets and banks, purchases abroad and transfers to Myanmar and Cambodia, all combined. With basic verification it has applied to everyone since 24 July 2026; with enhanced, to accounts registered from 3 March 2026.
What to do about it
The limits hit one scenario: using the wallet as a bank: receiving a large transfer, sending it on, withdrawing it. The wallet isn’t fit for that. With basic verification you can’t withdraw anything to an account, and with enhanced you get 50,000฿ a month for transfers. A second account doesn’t solve the problem: it’s the passport that gets verified, not the phone number.
For everyday payments the wallet is still handy: QR at the till, 7-Eleven, utility bills, allowing for the daily cap. TrueMoney updates the table regularly, so it’s worth checking it again before a large transaction.
What’s happening with other wallets and cards: DeepPocket and PromptPay and two cards you can get without a bank.
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