Skip to main content
Home /e-Money / e-Wallets
Financial products

Compare e-Money / e-Wallets

Compare balance limits, fees and usage across every e-money / e-wallet provider (data from Bank of Thailand)

Compare free
77 products
Source
Bank of Thailand
CheckDi mascot

About e-Money / e-Wallets

E-money is value you top up in advance onto a card or app and spend in place of cash — it's not a deposit account and doesn't earn interest the way a bank account does. Providers include both banks and non-bank e-money issuers, and each sets a different maximum balance you're allowed to hold. Top-up channels and fees also differ — some let you top up free through a banking app, others charge depending on the channel you use. On top of that, some charge an entrance fee and annual fee, and others charge neither.

CheckDi compiles e-money and e-wallet products from providers across Thailand using the Bank of Thailand's public product data, so you can compare maximum balance, fees and usage conditions from every provider in one place, free of charge.

How to choose e-Money / e-Wallets

  • Check the maximum balance you're allowed to hold, and whether it's enough for how you plan to use it, since each provider sets a different cap.
  • Look at the top-up channels that are convenient for you, and whether each one carries a fee.
  • Compare the entrance fee and annual fee — some providers charge neither.
  • Check spending fees, such as for transfers or cashing out of the system, before using it regularly.
  • Check whether the merchants or services you use often accept that particular e-money provider, since each system has a different merchant network.
  • Remember e-money isn't a deposit account and doesn't earn interest, so avoid keeping a large balance in the system longer than necessary.

Frequently asked questions

How is e-money different from a bank deposit account?
E-money is value you top up in advance to spend — it's not a deposit account and doesn't earn interest, unlike a bank account, where deposits are protected under the deposit protection law and earn interest. E-money providers are regulated by the Bank of Thailand as payment service providers, but operate under a different mechanism from commercial banks.
How can I top up e-money?
Top-up channels depend on the provider. Common options include a banking app, a top-up kiosk, or a participating service point. Some channels carry no fee, while others charge based on the amount or channel chosen. Check the details with each provider before topping up a large amount.
If I have leftover balance in e-money, can I withdraw it back to cash?
It depends on the provider's terms. Some allow you to withdraw the remaining balance back to a bank account or as cash, though this may carry a fee or a minimum condition. Read the cash-out terms before you start using it, so you don't leave money sitting in the system unnecessarily.
If my e-money card or app is lost or stolen, will the balance be lost too?
It depends on the provider's system. Some e-money is tied to a user account and the balance can be frozen or recovered if reported promptly, while some anonymous, non-registered card types may not allow the balance to be recovered if the card is lost. Check the provider's policy on this before topping up a large amount.
What determines the maximum balance I'm allowed to hold?
Each provider sets its own balance cap based on the account type and how fully the user has verified their identity — users who complete full verification usually get a higher cap than those with partial verification. Check the cap and the verification steps of each provider before choosing one.