Wise has officially launched its account and card in Thailand. Since 22 September 2026, Thai-registered users get a multi-currency account for more than 40 currencies, a physical card delivered to a Thai address, and PromptPay QR payments. According to reports, Wise is the first non-bank institution to hold all five licences required from the Bank of Thailand and the Ministry of Commerce.
For expats, retirees and digital nomads in Thailand, this sounds like a big step forward. But the new Thai-licensed Wise account comes with important restrictions, and they hit existing Wise users in Thailand hardest.
Wise in Thailand at a glance
| Feature | Thai-registered Wise account |
|---|---|
| Currencies you can hold | 40+ |
| PromptPay QR and PromptPay ID | ✅ Yes |
| Physical card delivered in Thailand | ✅ Yes (free replacement for old cards) |
| Digital cards | Up to 3, works with Google Pay / Google Wallet |
| ATM withdrawals in Thailand | ❌ No |
| ATM withdrawals abroad | ✅ Yes |
| Incoming PromptPay | Max 10,000 THB per transaction |
| Daily account payments | 30,000 THB (rises with regular use) |
| THB to foreign currency conversion | Max 750,000 THB per day |
| Outward remittances from THB | Max 800,000 THB per day |
| Exchange rate | Mid-market rate, no markup |
What’s new: Wise’s features in Thailand
PromptPay and Thai QR payments
The headline feature is that you can scan PromptPay and Thai QR codes directly in the Wise app, whether you’re at a street food stall or paying a bill in Hua Hin. You can also send money to any PromptPay ID and receive money via PromptPay, up to 10,000 THB per transaction.
Regional QR payments
The app also supports DuitNow (Malaysia), PayNow (Singapore) and QRPh (Philippines), which is useful for digital nomads who travel around Southeast Asia.
Send Thai baht overseas
Thai-registered users can now send THB abroad at the mid-market rate. Until now, this was a major gap for Thailand residents.
Local top-ups and a Thai-issued card
You can top up from a local Thai bank account, order a physical Wise card to a Thai address and create up to three digital cards instantly. Wise has also added a bill-splitting feature and a travel hub with spending guides.
The catch: key restrictions for Wise users in Thailand
1. No ATM withdrawals in Thailand
This is the biggest change for expats. Cards linked to a Thai-registered Wise account can no longer withdraw cash from Thai ATMs. This is a licensing requirement. Withdrawals at ATMs abroad still work.
If you rely on your Wise card to take out baht at a Bangkok Bank or Kasikorn ATM every month, you’ll need a Thai bank account or another card for cash.
2. Existing Wise cards are being cancelled
Existing Wise cards linked to Thai accounts are being cancelled and replaced free of charge with cards issued in Thailand. The new cards will not work at Thai ATMs.
3. Double currency conversion via Thai baht
Transfers from one foreign currency to another now go through THB. For example:
- Before: USD → SGD (one conversion)
- Now: USD → THB → SGD (two conversions, two sets of fees)
Wise still uses the mid-market rate, but the extra step costs you more. The app shows the exact cost before you confirm.
4. Incoming foreign payments are converted to baht
If someone else sends you money in a currency other than THB, it is automatically converted to Thai baht. Exception: transfers from your own foreign accounts are not converted.
5. Daily and per-transaction limits
- 30,000 THB per day for account payments and transfers (rises as you use the account)
- 10,000 THB per transaction for THB payments and incoming PromptPay
- 750,000 THB per day for THB-to-foreign-currency conversions
- 800,000 THB per day for outward remittances
International bank-to-bank transfers and direct top-ups from a bank account are not subject to these limits.
Who is affected?
Affected: Wise personal account holders with a Thai registered address. These accounts are moved to the Thai-licensed version.
Not affected: Accounts registered with a foreign address (UK, US, EU and others), including people who send money to Thailand from abroad.
Business accounts: Business accounts do not get the new Thai features.
Timeline for existing Wise customers
| When you signed up | Changes take effect |
|---|---|
| After 21 January 2026 | Already converted (by August 2026) |
| Before 21 January 2026 | Gradual rollout, completed by October 2026 |
Existing cards are cancelled around September 2026. Customers who signed up before 21 January must also submit verification documents to meet Bank of Thailand requirements.
Which documents does Wise Thailand accept?
Wise says it accepts non-immigrant visas, including the Destination Thailand Visa (DTV) and the Education (ED) visa. That’s good news for digital nomads on a DTV, who often can’t open an account at a traditional Thai bank.
Need help getting or extending a DTV or another long-stay visa? Contact Next Step Hua Hin. We handle visa paperwork for expats in Hua Hin every day.
What should expats in Thailand do now?
- Open or keep a Thai bank account for ATM cash, because your Wise card won’t work at Thai ATMs anymore.
- Check your registered address. If you no longer live in Thailand, update it in your account settings. Wise says people moving to Thailand during the rollout should contact support. Only register an address where you actually live, since giving a false address can break Wise’s terms.
- Send pension or salary transfers from your own foreign account so they aren’t converted to THB automatically.
- Plan larger transfers around the limits. For big transactions such as property deposits, send directly bank-to-bank.
- Order your replacement card early so you’re not left without a working card.
- Use PromptPay for everyday spending. This is where the new Wise Thailand account works best.
Is the new Wise Thailand account worth it?
For digital nomads and short-stay visitors: mostly yes. PromptPay QR payments, local top-ups and DTV acceptance fix real problems.
For long-term expats and retirees: it’s mixed. Losing Thai ATM access, paying for double conversion and working within daily limits all take away from what made Wise popular. Most people will likely use Wise alongside a Thai bank account, not instead of one.
For more practical help with banking, visas and everyday life, see our Hua Hin Survival Guide.
FAQ: Wise in Thailand
Can I withdraw cash from ATMs in Thailand with Wise?
Not if your account has a Thai registered address. You can still withdraw cash at ATMs abroad.
Does Wise work with PromptPay?
Yes. You can scan PromptPay and Thai QR codes, send money to PromptPay IDs and receive up to 10,000 THB per transaction.
What is the Wise daily limit in Thailand?
It’s 30,000 THB per day for account payments (this rises with use), 750,000 THB per day for THB conversions and 800,000 THB per day for outward remittances.
Can I open a Wise account in Thailand with a DTV?
Yes. Wise accepts non-immigrant visas, including the DTV and the ED visa.
Does this affect Wise accounts registered outside Thailand?
No. Accounts with a foreign address are not affected by these restrictions.
Is Wise regulated in Thailand?
Yes. Wise now operates under Bank of Thailand licensing and, according to reports, is the first non-bank to hold all five required licences.
Sources: Wise Help Centre, Wochenblitz. Information as of September 2026. This article is general information, not financial advice.
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