PromptPay limits and fees
For ordinary personal transfers, PromptPay between banks is free, which is why it replaced everything else. The limits are a different matter: they are mostly set per customer in your own banking app, not by the system, so two people at the same bank can have different ones. Fees reappear at the edges, around business accounts, cash and cross-border payments.
Why it is free
PromptPay was built to move Thailand off cash and off cheques, and the interbank fee on small transfers was the thing standing in the way. Removing it worked: QR payment became normal everywhere, including at stalls that never took a card.
What that means in practice is that the amount you send is the amount that arrives. There is no deduction, no rounding and no fee line, which is also why a slip showing a different amount from what was owed is a real question rather than a bank's doing.
Where the limits come from
Mostly from you. Banking apps carry a daily transfer limit per customer, and it is adjustable, often immediately and sometimes with an extra confirmation. People discover this at the worst moment, usually while trying to pay a deposit.
There are also system and scheme ceilings, and banks apply their own rules to new accounts, to new devices and to unusual patterns. The useful habit is to check your limit before you need it, not after a transfer has been refused.
Where fees come back
Around business use, cash and borders. A merchant arrangement has its own terms. Withdrawing or depositing cash is a separate service with separate charges. International transfers are not PromptPay at all, and they cost what they always did.
This is worth knowing before concluding that something is wrong: a charge on a transfer usually means the transfer was not the thing you thought it was.
Planning around it
For a big payment, raise the limit first, or split it across days deliberately rather than by accident. For a bill split, limits rarely matter, because the shares are small.
For anything recurring, the point is the record rather than the limit: the same payment every month is worth having written down, which is what a spending diary built out of your own slips gives you without typing anything.
Checklist
- Look up your own daily limit in your banking app before you need it.
- Raise it in advance for a known big payment.
- Expect no fee on an ordinary personal transfer between banks.
- Treat a charged transfer as a sign it was a different kind of transaction.
- Remember that cross-border payments are not PromptPay.
- Keep records for recurring payments, where the amount matters more than the limit.
Make your own PromptPay QR
Your code with your photo on it, so friends can see who they are paying. Free, in the browser, and it works with every Thai bank.
Open SlipDeeFrequently asked questions
What is the daily PromptPay limit?
- Yours, specifically, is shown in your banking app, because the limit is set per customer rather than by the system. That is also why no fixed number here would be true for you.
Is there a fee between different banks?
- Not for ordinary personal transfers. That fee is what PromptPay removed.
Is there a minimum amount?
- In practice, no, and small payments are normal: a bottle of water by QR is an everyday sight.
Why was my transfer refused?
- Most often the daily limit, sometimes a new device or an unusual pattern that triggered a check. The app usually says which, and raising a limit is often possible on the spot.
Do businesses pay a fee to receive by QR?
- A merchant arrangement has its own terms, which differ from a personal account. If you are taking payments for a business, ask the bank for the business conditions rather than assuming the personal ones.
