Bank of Ayudhya, widely known by its brand name Krungsri, is one of Thailand's five largest commercial banks. Thai players with a Krungsri account can use it at offshore online casinos via their Visa or Mastercard debit card, through online banking transfers, or via PromptPay where supported. The same considerations that apply to other Thai banks apply here: gambling is illegal under Thai law, and banks may block transactions to gambling merchants.
| Type | Commercial bank (bank transfer, debit card) |
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| Country | Thailand |
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| Deposits | ✔ Yes |
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| Withdrawals | ✔ Yes |
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| Processing time (deposits) | Instant (card) or 1 to 2 business days (bank transfer) |
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| Processing time (withdrawals) | 1 to 5 business days |
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| Card networks | Visa, Mastercard |
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| Fees | Varies by casino; international transfer fees may apply |
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What Is Bank of Ayudhya?
Bank of Ayudhya Public Company Limited was founded in 1945, making it one of Thailand's oldest commercial banks. It operates under the brand name Krungsri and is owned by MUFG (Mitsubishi UFJ Financial Group) of Japan, which acquired a controlling stake in 2013. Krungsri is regulated by the Bank of Thailand and is one of the country's five systemically important banks.
Krungsri offers retail and corporate banking, Visa and Mastercard debit and credit cards, and participates in PromptPay, Thailand's national instant payment system. Its KMA (Krungsri Mobile Application) provides online and mobile banking for transfers, bill payments, and account management.
Using Krungsri at Online Casinos
Debit Card
Select Visa or Mastercard at the casino cashier and enter your Krungsri card details. Deposits are instant when approved. Thai bank cards may be declined at gambling merchants due to bank-level blocking. This is a common issue across all major Thai banks.
Bank Transfer
Some casinos accept direct Thai bank transfers from Krungsri accounts. You initiate the transfer from your account to the casino's bank details. Processing is slower than card, typically 1 to 2 business days. Bank transfers are also subject to transaction monitoring.
PromptPay
Krungsri participates in PromptPay, Thailand's instant interbank transfer system operated by the Bank of Thailand. A small number of offshore casinos have added PromptPay as a deposit method. Where offered, PromptPay deposits are instant and require no card details, just your linked phone number or national ID. Check the casino cashier for PromptPay as a listed option.
Withdrawals
Withdrawals can go back to your Krungsri Visa or Mastercard card at casinos that support card payouts, or via bank wire to your Krungsri account. Expect 1 to 5 business days from when the casino approves the withdrawal. First-time withdrawals at most casinos require identity verification. See our KYC guide for what documents are typically requested.
Transaction Blocking and Alternatives
Thai banks block transactions to merchants categorised as gambling operators. This applies across personal debit and credit cards. If your Krungsri card is declined at a casino cashier, the merchant category block is almost certainly the reason.
Common workarounds used by Thai players:
- E-wallets: Fund Skrill or Neteller from your Krungsri account, then deposit from the e-wallet. The bank transfer to the e-wallet processes without the gambling merchant code attached.
- Cryptocurrency: Buy Bitcoin or Tether via a cryptocurrency exchange, then transfer directly to the casino. This bypasses bank-level blocking entirely.
PromptPay, where offered by a casino, can sometimes work where card payments are blocked, as the transaction routes differently through the Thai banking infrastructure.
Online Gambling in Thailand
Gambling in Thailand is regulated under the Gambling Act B.E. 2478 (1935). Online gambling is not specifically addressed in that legislation, but it has been interpreted and enforced as illegal. There is no licensed domestic online casino market for Thai players. The government blocks access to many offshore gambling websites.
Thai players who access offshore casinos do so under sites licensed in other jurisdictions, most commonly Curaçao, Malta, or Gibraltar. For more on Thailand-facing casinos and what is available, see our Thailand hub.
Pros and Cons
Pros
- One of Thailand's five largest banks with wide branch coverage
- Visa and Mastercard accepted at international casinos
- PromptPay support for instant deposits where offered
- Deposits and withdrawals both supported
- MUFG ownership brings additional stability and compliance standards
Cons
- Thai banks block card transactions at gambling merchants
- No licensed domestic online casino market in Thailand
- Bank transfer deposits are slow
- PromptPay support at casinos is not widespread
Alternatives for Thai Players
| Method | Type | Deposits | Withdrawals | Notes |
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| Skrill | E-wallet | ✔ | ✔ | Widely accepted; fund from Krungsri account |
| Neteller | E-wallet | ✔ | ✔ | Fast withdrawals; broad casino support |
| Bitcoin | Cryptocurrency | ✔ | ✔ | Bypasses bank blocking; widely accepted |
| Tether (USDT) | Cryptocurrency | ✔ | ✔ | Stable value; popular at crypto casinos |
| Bangkok Bank | Bank transfer / card | ✔ | ✔ | Thailand's largest bank; same blocking issues apply |
Frequently Asked Questions
Is Krungsri the same as Bank of Ayudhya?
Yes. Bank of Ayudhya is the legal name of the bank, and Krungsri is its brand name used in retail banking, marketing, and daily banking operations. You may see either name depending on the context. The casino database may list it as Bank of Ayudhya.
Can I deposit at an online casino using my Krungsri card?
Your Krungsri Visa or Mastercard card can technically process transactions on those international networks. Thai banks do block gambling merchant transactions, so some deposits will be declined. E-wallets or cryptocurrency funded from your Krungsri account are more reliable alternatives.
What is PromptPay and does it work at casinos?
PromptPay is Thailand's national instant payment system. It links your Krungsri account to your national ID or phone number and allows fast transfers. A small number of offshore casinos support PromptPay deposits. It is not widely listed, but worth checking at the casino cashier.
How long do casino withdrawals to Krungsri take?
Card withdrawals typically arrive within 3 to 5 business days after the casino processes the request. Bank wire withdrawals to your Krungsri account may take a similar timeframe. First-time withdrawals often require identity checks, which can add additional time.
Who owns Krungsri?
Krungsri (Bank of Ayudhya) is majority-owned by MUFG, Japan's largest bank and one of the largest financial groups in the world. MUFG acquired its controlling stake in 2013. The bank still operates as a Thai bank regulated by the Bank of Thailand, but its major shareholder is Japanese.
Summary
Krungsri is one of Thailand's five major banks and several offshore casinos accept it for both deposits and withdrawals. Card blocking is the main practical obstacle, affecting most direct attempts to deposit from a Thai bank card. E-wallets or cryptocurrency funded from your Krungsri account are the standard alternatives Thai players use.
The casino filter above shows which casinos currently accept Bank of Ayudhya deposits.
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