TrueMoney - Pay & Earn Coins

True Money Co. Ltd.

About this app

TrueMoney is Thailand’s leading payment application for all mobile network users. The all-in-one app lets you securely make cashless payments for all your everyday needs, including mobile top-ups, bill payments, online and offline purchases, and much more!

== Instant mobile top-up ==
Top-up your TrueMove H and Dtac prepaid numbers easily anytime and anywhere.

== Digital Lending made Easy ==
Secure legal loans effortlessly with rapid approval under the supervision of Bank of Thailand.

True Money work with 2 financial institution partners to offer 3 products:

Ascend Nano, part of TrueMoney's parent company
1. Personal Loan (name: Pay Next Extra)
Type of loan: Revolving credit
Credit limit: Up to 5x of monthly income
Interest rate: 0% - 25% APR
Repayment period: up to maximum of 48 months

2. Digital Personal Loan (name: Pay Next)
Type of loan: Revolving credit
Credit limit: Up to 20,000 THB
Interest rate: 0% - 25% APR
Repayment period: up to maximum of 5 months

Kiatnakin Phatra Bank
1. Personal Loan (name: KKP Cash Now)
Type of loan: Term loan
Credit limit: Up to 5x of monthly income
Interest rate: 8.99% - 25% APR
Repayment period: minimum 24 months to maximum of 60 months

--- Example of Loan total cost and installment calculation ---

Account Summary and due dates for personal loan of Ascend Nano -
Account Statement Date: The 15th of each month
Payment Due Date: The 1st of each month

Sample Scenario - The customer received a loan amount of 10,000 THB and conducted transactions. On March 12, the customer withdrew a loan amount of 2,500 THB in cash via a transfer to their TrueMoney Wallet account and selected a repayment plan of 5 installments with an interest rate of 24% per annum.

Interest Calculation (First Installment Only) from March 12 to April 1:- The monthly installment amount is 530.40 THB.
- Interest paid calculation = 2,500 x 24% x (20/365) = 32.88 THB
- Principal paid calculation = 530.40 - 32.88 = 497.52 THB
- Remaining principal amount = 2,500 - 497.52 = 2,002.48 THB

Interest Calculation (Second Installment Only) from April 2 to May 1:
- The monthly installment amount is 530.40 THB.
- Interest paid calculation = 2,002.48 x 24% x (30/365) = 39.50 THB.
- Principal paid calculation = 530.40 - 39.50 = 490.90 THB.
- Remaining principal = 2,002.48 - 490.90 = 1,511.58 THB

Interest Calculation (Third Installment Only) from May 2 to Jun 1:
- The monthly installment amount is 530.40 THB.
- Interest paid calculation = 1,511.58 x 24% x (31/365) = 30.81 THB.
- Principal paid calculation = 530.40 - 30.81 = 499.59 THB.
- Remaining principal = 1,511.58 - 499.59 = 1,011.99 THB.

Other fees for cash disbursement:
- Cash disbursement fees (TMN charge): 30- 300 THB based on cash disbursement amount

Example of disbursement fee:
- Cash disbursement amount <= 3,000 THB: Cash disbursement fees = 30 THB per transaction
- Cash disbursement amount 3,100-6,000 THB: Cash disbursement fees = 60 THB per transaction

== TrueMoney Secure ==
Pay with confidence knowing that your information is fully encrypted, secured and protected thru multiple layers of advanced security, including 24/7 real-time monitoring, face-verified technology and world-class data encryption standards

== Send & receive money with ease ==
Securely and instantly transfer money without fees between TrueMoney and enjoy convenient features such as gift envelopes, and link to pay

== Shop at 7-Eleven and other stores in Thailand and abroad without cash ==
Pay hassle-free at 7-Eleven, 7Delivery, Lotus's, and thousands of other merchants without cash
Pay in abroad at over 40 destinations. No need to exchange cash. Just open TrueMoney to pay.

== Buy games, apps, stickers, music ==
Connect your TrueMoney Wallet to the Play Store and buy apps, music, as well as buy items for all your favorite games with no fees

For any enquiries, please contact: 24/7 call-center (Tel: 1240) and in-app live chat.

Ratings and reviews

Cannot use while having developper option enabled. edit sep 2025: your app is really broken. impossible to scan passport. just keeps on waiting. i lf i go to options to update passport, it says "already scan passport! wanna scan again?" then I put yes, and it's just going rounds and rounds like this. broken since 5 years I've been using. and asking to renew passport every single year while every other apps never ask for this recurrent measure.

The initial cash setting for tooup is 500thb Sure,you can change it later but some case when you are in a hurry can cause accidentally over top it. Additional on that is they CHARGE you 20thb per transaction to your bank account with minimum more than 100... I have no problem with the other convenient feature like paying bills and internet but I expect it more FAIR than this. They can do better job getting the money from clients if you ask me.

The app lets you add a foreign VISA card and confirms it with 3D Secure, but later payments do not go through. Support explained that only Thai bank cards are supported since 2024. It would be much clearer if the app showed this limitation before allowing card linking, so users don’t waste time trying. I also wonder if this behavior is fully in line with Google Play policies, or if the app should be updated to make this restriction more transparent.

What’s new

TrueMoney app just got better! Update now to enjoy the latest improvements.