Bank of Thailand Implements Digital Transaction Limits for Youth Accounts

On July 31, 2026, the Bank of Thailand (BOT), in collaboration with the Thai Bankers' Association and e-Money providers, announced new restrictions on digital transfers and payments for individuals aged 10 to 18. According to BOT spokesperson Chayawadee Chai-Anant, the measure is a direct response to an increasing trend of criminals exploiting youth bank accounts and e-Money wallets as 'mule accounts' for financial crimes.

Under the new guidelines, transaction limits are determined by age-based customer profiling. For instance, e-Money accounts for children aged 10 to 12 are now capped at 3,000 baht per day. The initiative aims to protect minors from unknowingly becoming involved in illegal activities. For residents or long-term visitors managing local accounts for their children, this means digital spending and transfer capabilities will be restricted by default to these new thresholds.

While the BOT has stated that individuals with legitimate needs can apply for higher limits, the specific application process for these exceptions remains to be clarified. Furthermore, while the initial report outlines caps for the 10-12 age group, full details regarding the specific daily limits for the 12-15 age bracket and older youth segments were not fully detailed in the initial announcement. Users are advised to contact their respective financial institutions to confirm how these changes specifically impact their existing accounts.