Amid Thailand's rapidly expanding digital economy, Krung Thai Bank (KTB) occupies a distinctive position within the payment ecosystem. As Thailand's second-largest bank by assets and a state-controlled institution, KTB is the designated banking partner for most government agencies. Leveraging a network of 15 million users, KTB is deeply embedded within every level of Thailand's socioeconomic landscape.
The core strength of KTB's online transfer lies in its close integration with government public-service systems. From tax payments and utility bills to the distribution of government benefits, KTB has built a comprehensive public payment gateway. This positioning creates an extensive user base, from civil servants to users of public services, forming a unique "public services + commercial payments" model. For consumers, using KTB's digital wallet and banking services not only ensures bank-grade security but also represents seamless connectivity with official government services.
In the realm of inclusive finance, KTB upholds the unique mandate of a state-owned bank. The bank actively advances its digital banking infrastructure to bridge the gap in digital service access across different population segments. With a user-friendly interface and comprehensive functionality, KTB's online transfer services cater to a wide spectrum of users, including those with limited digital literacy, truly embodying the principle of "tech-empowered" financial inclusion.
KTB's online transfer supports a single-transaction limit of up to THB 2,000,000 and automated recurring payments. This combination allows it to meet large-value payment needs, such as government services and corporate procurement, while also providing a stable solution for subscription-based models and membership renewals. This highlights KTB's unique strengths as a national-scale digital banking solution within Thailand's financial landscape.
The following table lists the product properties supported by KTB for different payment types:
|
Payment type |
Online banking |
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|
Acquirer |
AntomSG, AntomUS |
Refund |
❌ |
||||
|
Merchant entity location |
SG, HK, US |
Partial refund |
❌ |
||||
|
Buyer country/region |
Thailand |
Refund period |
❌ |
||||
|
Processing currency |
THB |
Time to return refund result |
❌ |
||||
|
Payment flow |
Redirect |
Time to return payment result |
Real-time |
||||
|
Minimum payment amount |
1 THB |
Chargeback/Dispute |
❌ |
||||
|
Maximum payment amount |
2,000,000 THB |
Default timeout |
14 minutes |
||||
|
Payment type |
Bank transfers |
|||
|
Acquirer |
AntomSG, AntomUS |
Refund |
❌ |
|
|
Merchant entity location |
SG, HK, US |
Partial refund |
❌ |
|
|
Buyer country/region |
Thailand |
Refund period |
❌ |
|
|
Processing currency |
THB |
Time to return refund result |
❌ |
|
|
Payment flow |
Redirect |
Time to return payment result |
Real-time |
|
|
Minimum payment amount |
1 THB |
Chargeback/Dispute |
❌ |
|
|
Maximum payment amount |
2,000,000 THB (ATM：500,000 THB) |
Default timeout |
48 hours |
|
|
Customise the timeout |
✔️ |
|||
Note: The following payment flows on different terminals are for reference only. For supported merchants' terminal types, consult Antom Technical Support.
The following screenshots show the journey of paying with KTB through WAP in different scenarios.
Online banking
1. The buyer selects KrungThai Bank to pay.
2. The buyer enters a specified bank page to complete the payment.
3. The buyer is redirected to the merchant's result page.
Bank transfers
1. The buyer selects KrungThai Bank to pay.
2. The buyer is directed to the payment code page.
3. The buyer completes the transfer on the bank app.
4. The buyer is redirected to the merchant's result page.
KTB is a publicly listed bank under majority state ownership in Thailand and maintains deeply integrated partnerships with government institutions. This positioning gives it natural advantages in policy alignment, system integration, and public-sector payment scenarios, providing merchants with a streamlined pathway to connect with government-related services.
KTB is committed to bridging Thailand's digital divide through the expansion of digital banking services. Its online banking services emphasize simplicity and inclusivity, allowing users from all segments, including those with limited digital skills, to perform transactions easily. This approach helps merchants reach a wider and more diverse part of Thai society.
In addition to standard payments, KTB online banking supports the auto debit feature, making it particularly well-suited for recurring payment scenarios such as utility bills, membership fees, and insurance premiums. This feature provides merchants with a stable and reliable payment solution for subscription-based business models.
As the preferred banking partner for government agencies, KTB's digital banking services are widely utilised for tax payments, license and permit fees, and bid or tender deposits. This makes KTB an ideal payment channel for merchants working with government departments or participating in public-sector projects.
Leveraging its state-owned background, KTB's service network spans all administrative levels in Thailand, with a particular advantage in regions where demand for government services is high. This broad coverage provides merchants with strong support for expanding their businesses nationwide.
If your business involves public services or large-value payment scenarios in Thailand, KTB online transfer is a strategic choice. Contact Antom's payment experts today to activate a secure and reliable payment channel tailored to your needs.