Krungthai Bank review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Krungthai Bank suits people banking in Thailand who want a plain Mastercard debit card with no monthly charge and no currency conversion fee. Squeezed by the bank's rate card, both fees sit at THB 0 and 0%.
Key facts
- Best for
- Banking in Thailand and paying abroad on a Mastercard debit card with no monthly charge.
- Monthly fee
- THB 0↗
- Currency conversion fee
- 0%↗
- Card type
- Debit↗
- Card network
- Mastercard↗
- Legal entity
- Krungthai Bank Public Company Limited↗
- Headquarters
- Thailand↗
- Founded
- 1966↗
- Features
- Travel
- Official website
- krungthai.com
Facts checked September 26, 2026, 4 sources
Pros and cons
Pros
- The monthly fee is THB 0, so holding the card costs nothing each month
- The currency conversion fee is 0%, which is how Krungthai Bank reads against the wider field
- It is a debit card on the mastercard network, so it draws directly on your current account balance
- The card is built for travel, per its listed features
Cons
- The account is tied to Thailand, since its headquarters country is TH
- Its listed feature set is limited to travel, so little beyond that is spelled out
- The card is a debit card, so it offers no credit line
Who it suits
- People with a Thai bank account who pay in other currencies often
- Travellers holding baht who want a Mastercard debit card
- Customers who would rather not pay a monthly card charge
Who should look elsewhere
- People wanting a crypto card, since the card type is debit and no crypto feature is listed
- Anyone outside TH without a way to bank there
- Readers who need a long feature list, because travel is the only feature named
Where it sits among rivals
Krungthai Bank leads the field on both headline charges. Its monthly fee ranks 1 among 379 brands compared, and its currency conversion fee ranks 1 among 237. For context, the typical monthly fee across the site runs to a median of €0, while conversion fees sit at a median of 1%.
Trading and withdrawal fees
The monthly fee is THB 0, so there is no recurring charge to keep the account open. The currency conversion fee is 0%, which means no added charge when you spend or withdraw in another currency. Taken together the two costs sit at the bottom of the field, where the site's typical monthly charge runs to a median of €0.
How Krungthai Bank compares
9.6 vs 9.4
9.6 vs 9.0
9.6 vs 8.2
9.6 vs 9.5
9.6 vs 9.6
9.6 vs 9.0
9.6 vs 9.1Bitpanda shows a monthly fee of €0, so it suits readers who want a crypto card rather than a plain debit card.
9.6 vs 8.9
9.6 vs 8.1
9.6 vs 8.2
9.6 vs 9.5
9.6 vs 9.4
9.6 vs 9.2
9.6 vs 9.1
9.6 vs 9.0
9.6 vs 8.9- 9.6 vs 8.8
9.6 vs 8.8
9.6 vs 8.6
9.6 vs 8.5
9.6 vs 8.3
Where Krungthai Bank is available
- Available
- Thailand
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the Krungthai Bank card cost each month?+
The monthly fee is THB 0, so the card costs nothing to keep in month to month. The legal entity behind it is Krungthai Bank Public Company Limited. That places it at 1 on the site's ranking of 379 brands.
Is there a fee for converting currency on the card?+
The currency conversion fee is 0%, so no surcharge is added on top of the network rate when you spend abroad. The site's broader field has a median conversion fee of 1%, which makes this one of the cheapest cards to use overseas.
What kind of card is it and which network does it run on?+
It is a debit card, not a credit card, and it runs on mastercard. Spending draws straight on your current account balance, so there is no borrowing involved and nothing to repay.
Who is Krungthai Bank and where is it based?+
The bank is Krungthai Bank Public Company Limited, and its headquarters country is TH. It was founded in 1966, so it is an established domestic bank rather than a new financial brand.
What is the card mainly built for?+
Travel is the feature the card is listed for, which lines up with its 0% currency conversion fee. Fewer charges on foreign spending suits trips abroad, though the listed features do not stretch beyond travel.
How does the cost compare with other cards on the site?+
Krungthai Bank ranks 1 on currency conversion fee among 237 brands compared, and 1 on monthly fee among 379. Its overall cost score is 7 out of 7.
Is this a crypto card?+
No. The card type is debit, and no crypto feature is listed for it. If you want to hold or spend digital assets, a crypto card from the same ranking would serve better, since the listed feature here is travel alone.
Sources
- en.wikipedia.org/wiki/Krungthai_Bank checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“Founded 14 March 1966”
- krungthai.com/Download/generalcontent/MediaFile_135045FAQ... checked September 26, 2026
Backs: Card type, Features, Card network
“Krungthai Travel Platinum Mastercard Debit Card”
- krungthai.com/Download/product/MediaFile_9253SalesSheetKR... checked September 26, 2026
Backs: Monthly fee
“Annual Fee (baht) Free - KRUNGTHAI FUN Debit Card”
- krungthai.com/Download/rateFee/RateFeeDownload_4435RateFe... checked September 26, 2026
Backs: Currency conversion fee
“Foreign Currency Exchange No fee charge - Krungthai Travel UPD Debit”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Krungthai Bank
Banking in Thailand and paying abroad on a Mastercard debit card with no monthly charge.