Krungthai Bank review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Krungthai Bank suits anyone banking in Thailand who wants an everyday account with a monthly fee of THB 0. Its easy-access savings account pays a variable rate of 0.25%, and the travel card is built for travelers who want 20 currencies in a single card.
Key facts
- Best for
- Everyday banking in Thailand with no monthly charge and an easy-access savings account.
- Monthly fee
- THB 0↗
- Currency conversion fee
- 0%↗
- Currencies
- 20↗
- Transfer fee
- 10 baht per cross-clearing zone transfer at Krungthai ATMs from the second transaction each month↗
- Legal entity
- Krungthai Bank Public Company Limited↗
- Headquarters
- Thailand↗
- Founded
- 1966↗
- Support channels
- Phone, Help-centre↗
- Audience
- Travelers
- Pricing model
- No monthly fee, Low FX fees
- Features
- Free ATM withdrawals
- Official website
- krungthai.com
Savings
Money transfer
- Fee to send 1,000
- THB 99↗
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- A monthly fee of THB 0 on the travel card, with free atm on cash machines.
- A currency conversion fee of 0% on the card, which covers 20 currencies.
- An easy-access savings account with interest calculated daily and paid over the year, open from THB 500.
- Support by phone and through the help centre, listed under phone and help centre.
Cons
- The savings rate of 0.25% is variable and sits below the everyday-accounts median of 3.25%.
- Transfers to other clearing zones from Krungthai ATMs add a charge on repeat transactions each month, with the listed transfer fee at THB 99.
- Support runs on phone and help centre only.
Who it suits
- Travelers, the listed audience for the travel card, who want 20 currencies at a conversion fee of 0%.
- Residents who want an easy-access savings balance paying 0.25% variable, open from THB 500.
- Anyone who wants an everyday account from a bank founded in 1966 with a monthly fee of THB 0.
Who should look elsewhere
- Readers who want a bigger currency list: Krungthai ranks 53 of 379 brands on currencies, and PayPal Colombia, Skrill and eToro are also fee-free at $0, €0 and £0.
- Anyone chasing a higher savings rate, since the rate here is 0.25% variable, under the everyday-accounts median of 3.25%.
How Krungthai Bank compares
9.4 vs 8.7
9.4 vs 8.6
9.4 vs 8.0
9.4 vs 8.9Its monthly fee of £0 is the same as Krungthai's, while the savings rate here is 0.25% variable.
9.4 vs 9.1
9.4 vs 9.2
9.4 vs 8.7
9.4 vs 8.7
9.4 vs 8.7
9.4 vs 9.0Also a monthly fee of €0, so the pick comes down to where you bank rather than what you pay.
9.4 vs 8.7
9.4 vs 9.5
9.4 vs 9.4
9.4 vs 9.3
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.1
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 8.9
9.4 vs 8.9- 9.4 vs 8.9
9.4 vs 8.7
9.4 vs 8.5
9.4 vs 8.5
9.4 vs 8.5
9.4 vs 8.4
9.4 vs 8.3
9.4 vs 8.2
9.4 vs 8.1- 9.4 vs 8.1
9.4 vs 8.0
9.4 vs 8.0
9.4 vs 8.0
9.4 vs 9.1
Where Krungthai Bank is available
- Available
- Thailand
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold the account?+
The travel card carries a monthly fee of THB 0, so there is no recurring charge for holding it. The savings account is a separate, easy-access product: money goes in and out freely, interest is calculated daily, and it is paid over the year.
How much does currency conversion cost?+
The travel card works across 20 currencies and charges a currency conversion fee of 0%. That is the point of the card for travelers, since the currency conversion is handled on the card itself rather than as a separate exchange.
What interest do I earn on savings?+
The savings account pays a headline rate of 0.25% and the rate type is variable, so it can move up or down. Interest is calculated daily and paid over the year, which suits balances you want to reach in and out of.
How much is needed to open the savings account?+
The savings account opens from THB 500, a small starting balance. The travel card works alongside it with a monthly fee of THB 0, so the deposit is the only amount you need to bring to the savings side.
How do I get help?+
Support runs on phone and help centre only: you can call or find answers in the help centre. For anything urgent, a phone call is the quickest route since those are the channels listed.
What do ATM transfers cost?+
Transfers to other clearing zones from Krungthai ATMs add a charge on repeat transactions each month, and the listed transfer fee is THB 99. Cash machine access itself is free on the card, with free atm.
Who is this for?+
The listed audience is travelers, since the 20 currencies sit on the travel card. On the savings side, the account suits residents in Thailand who want easy access to their money and a variable rate of 0.25%.
How established is the bank?+
The bank dates back to 1966 and is headquartered in Thailand, trading as Krungthai Bank Public Company Limited. The products described here are set up for people banking in Thailand, with a savings account and a travel card in the same range.
Sources
- krungthai.com checked September 26, 2026
Backs: Fee to send 1,000
- krungthai.com/en/about-ktb/history checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“1966 "Krungthai Bank" began its operations”
- krungthai.com/en/content/personal/cards/krungthai-travel-... checked September 26, 2026
Backs: Support channels
“Alleviate your concerns with Krungthai's services, available to assist you 24 hours a day, 7 days a week ... Krungthai Contact Center at +66-2111-1117”
- krungthai.com/en/content/personal/cards/krungthai-travel-... checked September 26, 2026
Backs: Audience
“Krungthai Travel UnionPay Debit Card - The Most Valuable Choice for Travelers”
- krungthai.com/en/content/personal/cards/krungthai-travel-... checked September 26, 2026
Backs: Currencies, Features, Currency conversion fee, Pricing model, Monthly fee, Transfer fee
“Exchange to the best rates for up to 20 currencies: AED, AUD, CAD, CHF, CNY, DKK, EUR, GBP, HKD, INR, JPY, KRW, NOK, NZD, SAR, SEK, SGD, TWD, USD, and QAR.”
- krungthai.com/en/rates/viewdetail/32 checked September 26, 2026
Backs: Headline rate
“Thai Baht Deposit Interest Rates - Deposits | Rate (%) - Saving 0.25000 - Fixed 3 months 0.6 - Fixed 6 months 0.65 - Fixed 12 months 0.75; last updated 26/09/2569; the above rates are personal...”
- krungthai.com/th/personal/deposits/208 checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit, Rate type
“Savings account. Easy deposit and withdrawal, interest calculated daily, interest paid twice a year, easy to open, starting from only 500 baht, suitable for saving and daily transactions”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection.
Krungthai Bank
Everyday banking in Thailand with no monthly charge and an easy-access savings account.