Prefunding THB payouts in Thailand

By Polynopsis team · Last updated 29 October 2026

Funding rules and timing in Thailand

• Onshore banks must keep each non-resident's end-of-day balance at no more than THB 200 million across all its NRBAs (and separately its NRBSs) at onshore banks, and do not pay interest except on fixed NRBAs of six months or more, under rules effective 1 December 2025. source
• Non-residents providing cross-border payment services can join the NRQC scheme, which lifts the NRBA end-of-day limit and removes per-transaction supporting documents for baht transactions with onshore banks. source
• BAHTNET runs 9 hours a day, 5 days a week, so PromptPay obligations that clear after its window sit unsettled overnight, which the BOT puts at roughly THB 7.8 billion of settlement risk per night. The BOT plans a staged extension of BAHTNET hours towards 24/7. source
• Anyone buying, selling, depositing or withdrawing foreign currency with an authorized bank must report transaction details, and for amounts of USD 200,000 or more the bank requests supporting documents unless it has completed Know Your Business checks on the customer. source
• Nium routes payouts to banks outside PromptPay International through BAHTNET for same-day delivery subject to a 14.30 local cut-off, so those payouts follow BAHTNET working days rather than PromptPay's 24/7 schedule. source

The rails that spend the prefund

Where the prefund sits

Money for Thailand payouts is usually held with one or more of these, each a balance to watch. The full shortlist, with sources, is on the Thailand payments stack page.

Bank closures to fund around

Weekdays in the next 12 months when banks in Thailand are closed. Top up before each one.

Full list and notes: Thailand bank holidays.

Corridors into Thailand

Costs are World Bank Remittance Prices Worldwide averages for sending the equivalent of US$200.

Size the prefund

Hold enough THB to cover payouts for your lead time plus every closure in that window, then top up when runway drops below target. The corridor runway calculator does the arithmetic; the glossary explains prefunding, corridor runway and liquidity buffers.

Where Polynopsis fits

Polynopsis shows the THB balance at every partner and account that funds Thailand payouts, next to the payouts expected against it and the top-ups already in flight, and warns before the corridor runs dry, including ahead of Thailand bank holidays.