Thailand is rolling out age-based daily digital transaction limits for customers under 18

Three age bands set the starting cap

For customers aged 10 to under 12, the daily cap is up to THB 3,000 and applies to e-money only. Customers aged 12 to under 15 have a standard daily cap of up to THB 5,000, while those aged 15 to under 18 have a cap of up to THB 10,000.

The Bank of Thailand says the thresholds were based on actual usage patterns among younger customers. The policy is intended to reduce the value that can quickly pass through a minor’s account if criminals try to use it as a mule account.

The rule does not set a limit on how many accounts a young customer may hold. That remains subject to each provider’s own service conditions.

For practical context, see Thailand economy and finance. This development also connects with Thailand Moves Toward Tighter Stablecoin Transfer Rules.

The September rollout is not yet complete

Providers that were ready could begin applying the new limits immediately after the announcement. Bank deposit accounts must be brought into the framework by September 30, while e-money providers have until October 31.

That timetable matters because two customers of the same age may still see different practical settings during the transition if their providers are at different stages of implementation. Customers whose existing limit is being reduced must be notified in advance, and the measure applies to accounts that were already open before the announcement as well as new ones.

Joint accounts are outside this specific measure. The central bank’s FAQ explains that the framework targets digital transactions by young customers, while joint accounts are not operated through mobile banking in the form covered by the rule.

A higher limit can still be requested

The standard cap is not necessarily the final limit for every customer. A young customer who needs a higher amount can contact the bank or e-money provider through the channels it offers, such as its app, website, call centre or branch. Approval depends on that provider’s own conditions and assessment.

For families, the practical effect can show up in payments as well as person-to-person transfers. A larger one-off purchase or service payment may exceed the default amount, so the relevant question is the limit actually assigned by that institution and how its increase process works. Until the rollout is complete, another bank’s setting is not proof of what applies to a different account.