Product Highlights
Foreign currency deposit account supporting 20 major currencies worldwide,
including USD, EUR, JPY, GBP, AUD, CHF, CAD, CNY, NZD, SEK, NOK, SGD, HKD, DKK, INR, KRW, TWD, SAR, AED, and QAR.
Earn interest up to 2.5% per year*
- on deposits in 6 major currencies: USD, EUR, GBP, AUD, CNY, and NZD,
- with no minimum or maximum deposit requirements. *Terms and exchange rates are as specified by the Bank. | The interest rates for Global Savings in 6 currencies (USD, EUR, GBP, CNY, AUD, NZD) | For further information at www.krungthai.com | Exchange rates are subject to change. The terms should be thoroughly reviewed and understood before any transactions are conducted.
Easily open an account and exchange currencies without visiting a branch using the Krungthai NEXT app.
Open an account with zero initial deposit in any currency, no maintenance fees, and access to various transaction methods.
Great exchange rates!!! Enjoy special exchange rates, whether selling or buying.
Alerts for the desired rates can be set.
Perfect for all international transactions, anytime, anywhere
- Deposit : Save and earn interest.
- Transfer : Convenient international transfers with great rates, or domestic transfers within Krungthai Bank and to other banks.
- Investment : Easy investments by linking your account to the Pao Tang app to buy and sell gold with good rates and cost savings.
- Payment : Spend overseas with ease, great rates, and earn cash back with the Krungthai Travel Debit Card.
Free!! No Krungthai Travel Debit Card
fee when opening a Global Savings account and applying for the card. For more details, click here.
Who is the Global Savings account suitable for?
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Individuals / Foreign Currency Savers
Save money in various currencies and earn interest* when depositing in USD, EUR, GBP, AUD, CNY, and NZD.
Parents of Students Studying Overseas
Transfer tuition fees abroad with great exchange rates, low fees, and hassle-free transfers via the Krungthai NEXT app. Simply open a Global Savings account and exchange money when the rate is favorable to easily send funds abroad.
Businessperson/Investors
Invest and grow your wealth with great exchange rates, reducing financial costs.
Travelers
Open a Global Savings account and get the Krungthai Travel Debit Card. Enjoy easy international spending with great exchange rates via Krungthai NEXT or withdraw cash abroad conveniently from ATMs worldwide.
Global Savings Account Guide
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Global Savings Interest Rates
| Currencies | Interest Rates* (per annum) |
| USD | 2.50% |
| GBP | 2.50% |
| NZD | 2.50% |
| AUD | 2.00% |
| EUR | 1.50% |
| CNY | 1.00% |
*Terms and exchange rates are as specified by the Bank. | The interest rates for Global Savings in 6 currencies (USD, EUR, GBP, CNY, AUD, NZD) | For further information at www.krungthai.com | Exchange rates are subject to change. The terms should be thoroughly reviewed and understood before any transactions are conducted.
Interest Payment and Withholding Tax
| Interest Payment | Additional Information |
|
Savings account interest is paid twice a year (in June and December). |
The rate is in accordance with the announcement on foreign currency deposit interest rates |
| Withholding Tax | Additional Information |
| 15% for individuals. |
No tax is applied on savings account interest if the annual interest earned is less than 20,000 Baht. |
Transaction Limits via Krungthai NEXT App
| Transaction Type | Limit |
| Currency Exchange (Buy/Sell) | 1.5 million Baht per transaction |
| Intra-Bank Transfers Between Own Accounts | No transfer limit |
| Intra-Bank Transfers to Other Individuals | 500,000 Baht per transaction |
|
Incoming International Transfers / FCD Transfers to Other Banks within Thailand (Transfers can only be made to a third-party account.) |
1.5 million Baht per transaction (Available in 14 currencies, excluding CNY, INR, TWD, KRW, AED, QAR) |
|
Incoming Transfers / FCD Transfers from Other Banks within Thailand |
Limited by the incoming foreign transfer regulations (Available in 18 currencies, excluding TWD, KRW) |
Note: The daily transaction limit via the Krungthai NEXT app is 2 million Baht.
Conditions and Required Documents for Account Opening Application via Krungthai NEXT App
- Thai citizen
- 15 years of age or older
- National ID card
Fee Rates
-
Currency Exchange (Buy/Sell)
- No fees for exchanging Thai Baht for foreign currency or vice versa.
-
Transfer Between Own Accounts / Transfer to Others within the Bank
- No transaction fee.
-
International Money Transfer via Krungthai NEXT App (For more details, click here)
- WARP System: Starting at 299 Baht, charged in the equivalent foreign currency.
- SWIFT System: SWIFT Charge Ben of 20 USD / Charge Our of 50 USD, with no Com in Lieu (Other currencies are subject to the Bank's announcement).
-
International Money Transfer via Bank Counter (For more details, click here)
- WARP System: Transfer fees starting at 499 Baht, charged in the equivalent foreign currency.
- SWIFT System: SWIFT Charge Ben of 20 USD / Charge Our of 50 USD, with 0.25% Com in Lieu of the transfer amount (minimum 500 Baht), no Com in Lieu for deposits made in Thai Baht. (Other currencies are subject to the Bank's announcement).
-
Incoming International Transfers
- SWIFT Charge of 0.25% of the transfer amount, with a minimum of 200 Baht and a maximum of 500 Baht.
-
Foreign Currency Deposit and Withdrawal via Bank Counter
- Deposit Fee: 1% of the deposit amount, with a minimum of 500 Baht.
- Withdrawal Fee: 0.6% of the amount (minimum 500 Baht) for USD, and 1% of the amount (minimum 500 Baht) for other currencies.
-
Deposit and Withdrawal of Drafts / Foreign Cheques at Bank Counter
- Fees are in accordance with the Bank’s announcement.
Important Information
- Depositors holding a Foreign Currency Deposit (FCD) account with a passbook or an e-FCD Special account linked to the Gold Wallet on the Paotang application will receive a different interest rate if the account has not been upgraded to a Global Savings account. The interest rate is determined by the Bank's announcements.
- When upgrading your existing FCD account to a Global Savings account, if you have linked services such as FCD Fixed accounts, foreign currency Structured Notes, KTAM mutual funds in foreign currencies, or other external products, you must create a separate Global Savings account for each currency. This ensures that the linked services remain active and are not impacted by the upgrade.
- Exchange rates may change at any time. Please verify the latest rates on the Krungthai NEXT application before completing any transactions. Terms and conditions are as specified by the Bank.
- The Bank reserves the right to notify, suspend, or terminate deposit and withdrawal services, or close deposit accounts at any time if, at its sole discretion, it determines that: (a) The account or related financial transactions are suspected of involvement in fraudulent or illegal activities, or are being used for unlawful purposes. This includes, but is not limited to, activities such as money laundering or financing terrorism. (b) The account is being used for speculative purposes involving the Thai Baht or exchange rates, in violation of the bank's policies and conditions. In either case (a) or (b), the account holder agrees to waive any claims for damages against the Bank resulting from these actions.
- For further information, please contact the Krungthai Contact Center at 02-111-1111.
