Summary of 11 High-Interest Digital Deposit Accounts for 2026: How Much to Deposit to Get the Best Value? Latest Updates

During the oil crisis caused by the Middle East war, many people have been increasing their liquidity or saving more cash. However, holding cash carries the risk of loss. In such times, digital deposit accounts present an appealing alternative, allowing deposits with high interest rates and the ability to withdraw funds anytime. Thairath Money has compiled the top digital deposit accounts from various banks, updated for 2026, all gathered here.

Land and Houses Bank There are two attractive accounts, but the high interest rates apply only to new customers:

1. B-You Wealth Savings Account

• Offers a maximum interest rate of 5.55% per year, calculated only on the last 100,000 baht of each million baht, up to 4 million baht. For the first 900,000 baht of each million, the interest rate is 1% per year.
• The average interest rate is 1.46% per year for the first 4 million baht deposited (any deposit amount is allowed).
• Account opening requires a minimum deposit of 500 baht via the LHB You app.
• Passbooks can be obtained at any branch of the bank.
• Available for Thai nationals aged 15 years and above.

2. B You MAX Account

• Interest rates per year are divided as follows: deposits up to 10,000 baht earn 3.00% per year; amounts exceeding 10,000 baht up to 100 million baht earn 0.25% per year.
• Account opening requires a minimum deposit of 500 baht via the LHB You app.
• Available for Thai nationals aged 15 years and above.

Kiatnakin Phatra Bank offers the Dime! Save Savings Account.

• The interest rate is 3% per year for deposits up to 10,000 baht; for amounts between 10,000 and 1,000,000 baht, 1.25% per year; and for amounts above 1,000,000 baht, 0.50% per year.
• Account opening requires no minimum deposit.
• Available for Thai nationals aged 20 years and above, requiring a Smart Card national ID.

The Islamic Bank of Thailand (ibank) offers the ibank e-Savings electronic savings account.

• Interest rates are 2.20% per year for deposits up to 20,000 baht; 1.55% per year for amounts between 20,000 and 1,000,000 baht; and 0.50% per year for amounts exceeding 1,000,000 baht.
• Account opening requires no minimum deposit.
• Available for Thai nationals aged 15 years and above.

TMBThanachart Bank (ttb) offers the ttb ME Save account.

• Bonus interest rates apply only if the monthly deposit exceeds the monthly withdrawal, as illustrated below.
• Key condition: Withdrawals and account closures cannot be made in cash; funds can only be transferred to a TMBThanachart savings account or to other banks via the ttb touch app.
• Account opening requires no minimum deposit.
• Available for Thai nationals aged 18 years and above.

Thai Credit Bank offers the Alpha Savings Account.

• Interest rate is 1.70% per year for deposits up to 500,000 baht; amounts exceeding 500,000 baht earn 1.55% per year.
• Account opening requires no minimum deposit.
• Available for Thai nationals aged 20 years and above.

Krungsri Bank offers the Grow Savings account under Kept by Krungsri.

• Interest rates depend on the deposit duration of each transaction (slip), effective from 4 Feb 2026. Months 1-18 yield 1.35% per year; months 19-24 yield 1.45% per year. The average interest rate over the deposit period is therefore 1.375% per year.
• Maximum deposit is 5 million baht.
• Minimum deposit per transaction is 1,000 baht.
• Available for Thai nationals aged between 15 and 70 years.

Siam Commercial Bank offers the Easy Savings Account.

• Interest rates are 1.45% per year for deposits up to 1,000,000 baht; amounts exceeding 1,000,000 baht earn 0.40% per year.
• Account opening requires a minimum deposit of 500 baht.
• Available for Thai nationals aged 15 years and above.

TISCO Bank offers the TISCO e-Savings account.

• Interest rates are 1.40% per year for deposits up to 1,000,000 baht; amounts exceeding 1,000,000 baht earn 0.50% per year.
• Account opening requires no minimum deposit.
• Available for Thai nationals aged 20 to 70 years.

UOB Bank offers the TMRW deposit account.

• Interest rate is 0.25% per year on all deposits; including bonus interest of 1.15%, the total is 1.40% per year. This applies to the first 5 million baht, provided the average deposit balance this month is equal to or higher than last month’s.
• Account opening requires no minimum deposit.
• Available for Thai nationals aged 20 years and above.

Bangkok Bank offers the e-Savings account.

• Interest rates are 1.35% per year for deposits up to 1,000,000 baht; amounts exceeding 1,000,000 baht earn 0.35% per year.
• Account opening requires no minimum deposit.
• Available for Thai nationals aged 15 years and above.

Finally, those seeking substantial deposit interest income should plan carefully, as any total interest earned from savings accounts across all banks exceeding 20,000 baht will be subject to a 15% withholding tax immediately deducted by the bank.

Source: Thairath Money, latest compilation as of 26 Mar 2026.

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