Clicx Bank began operations in Thailand on June 19, 2026, becoming the country’s first virtual bank to launch services. The debut matters because it gives Thailand’s financial sector its first live branchless banking model backed by major banking, telecoms and retail partners.
Key Facts At A Glance
- Clicx Bank launched services in Thailand on June 19, 2026.
- The bank is Thailand’s first operational virtual bank.
- Clicx opened with a savings promotion offering up to 4% per year.
- The promotional rate applies through the Clicx Save Max 4% pocket.
- The offer is capped at deposits of up to 20,000 baht for the first three months.
- Clicx was established by Krungthai Bank, Advanced Info Service and PTT Oil and Retail Business.
- The bank received its virtual bank licence in May 2026.
Clicx Bank Plc launched operations in Thailand on June 19, 2026, becoming the country’s first virtual bank to open services to the public. The app-based bank debuted with a savings promotion offering deposit rates of up to 4% per year, according to Bangkok Post reporting on the launch.
The promotional rate is offered through the Clicx Save Max 4% pocket for Clicx Save account holders. The rate applies for three months from launch and is capped at deposits of up to 20,000 baht, while balances above that level earn 0.5% per year, according to Fintech News Singapore’s summary of the product terms and Bangkok Post reporting.
Clicx allows customers to open deposit accounts through its mobile application. The bank’s first product push is focused on deposits, with the high-rate pocket positioned as a customer-acquisition tool for Thailand’s newly opened virtual banking segment.
The bank was established by Krungthai Bank Public Company Limited, Advanced Info Service Public Company Limited and PTT Oil and Retail Business Public Company Limited. Thai media reporting said the consortium received Thailand’s first virtual bank licence on May 14, 2026.
Thailand’s virtual banking framework is intended to support digital-only banking services and improve access for customer groups that are underserved by conventional financial institutions. The Bank of Thailand’s virtual bank materials state that virtual banks provide services exclusively through digital channels and are subject to additional supervisory requirements suited to their business model.
For Thailand’s fintech sector, the launch is important because it moves virtual banking from licensing into live market operation. Clicx gives regulators, incumbents and fintech partners a real-time benchmark for customer onboarding, deposit pricing, digital servicing and future credit products under a branchless banking model.