There is an additional 0.5% + network charge on the transaction amount for transactions performed to merchants located outside Thailand (with foreign acquiring bank,) but the payment is made in Thai Baht currency.
In most cases, this should total up to 1.5% but may be subject to changes. This fee only applies to card transactions made via your physical blue card or white virtual card.
Here are a few scenarios that would allow you to understand the changes better:
| Merchant Location | Transaction currency | Type of transaction | Transaction amount | Fees |
| Ireland | THB | Card | 100 THB | 100*1.5% = 1.50 THB |
| Thailand | MYR | QR | 1000 THB | No additional fee imposed |
| Thailand | THB | Card | 100 THB | No additional fee imposed |
| Thailand | MYR | Card | 1000 THB | No additional fee imposed |
| Malaysia | MYR | Card | 1000 THB | Up to 1% Currency Conversion Fee (CCF.) Learn more in the next section |
What are a few example merchants that Cross Border Transaction Fee with the 0.5% transaction fee + network charges might be levied:
1. Paid Google Services (Google Storage, GSuite products, Play Store app purchases)
2. Facebook (including Facebook Ads)
3. Youtube (Youtube premium subscription)
4. Spotify
5. Netflix
6. Apple
Are there fee-free alternatives?
Yes! You can use PromptPay QR Cross Border with no additional fees! Visit this article here to learn more about fee-free shopping: BigPay x PromptPay How to Start Using PromptPay with your BigPay Account 💙 (Coming Soon!)
In summary, Cross Border Transaction Fees will only incur if you make a payment to a merchant's foreign bank, but the currency is still THB.
We're here to assist you every step of the way! If you have any queries, don't hesitate to reach out to us through Settings > Get help or simply drop us an email at support.th@bigpayme.com. The BigPay team will get back to you the fastest we can during our office hours Monday - Friday 09:00 AM - 11:00 PM. 🙏🥰