Fixed Deposit Calculator — Thailand
Calculate your fixed-deposit maturity value and interest in THB at current rates. No signup, no account needed.
Enter a deposit amount, a rate between 0% and 100%, and a term above zero (up to 50 years) to see results.
Fixed deposit rates in Thailand (2026)
Thailand's major banks pay about 0.75%–0.80% for a standard 12-month baht fixed deposit (Bangkok Bank, Kasikornbank, Krungthai, SCB and TTB 0.75%; Krungsri 0.80%) and about 0.90% for 24 months. Special or promotional accounts can pay more, often with conditions.
At around 0.75%, the fixed-deposit rate in Thailand is far below the global norm - among the lowest deposit rates anywhere, so keeping fees and charges near zero matters more than the headline rate.
Reference figures, ~2026. FD interest is often taxable and rates vary by bank and tenure - verify the current rate before depositing.
Worked example
For every ฿300,000 deposited at 0.75% for 5 years (quarterly compounding):
- Maturity value: ฿311,453
- Interest earned: ฿11,453
Scale to your deposit amount. Longer tenures and higher rates grow the maturity value; compare banks before locking in.
How to get the best fixed-deposit return in Thailand
- Compare several banks - smaller and digital banks often pay more than the big high-street names.
- Ladder your deposits across different tenures so some matures regularly and you can reinvest at new rates.
- Check how often interest compounds; more frequent compounding grows the maturity value.
- Factor in tax on the interest, and compare against short-term government bills or bonds.
A named-bank rate check: Bangkok Bank and Kasikornbank (2026)
Bank of Thailand data published by InfoQuest for 18 September 2026 show a 12-month fixed deposit at 0.75% at both Bangkok Bank and Kasikornbank, 0.80% at Krungsri, and 0.90% for 24 months at all six major banks. When checked on 12 October 2026, Bangkok Bank's deposit-rate page showed its current schedule as effective from 3 September 2026. On 26 August 2026 the Bank of Thailand's Monetary Policy Committee held the policy rate at 1.00%.
Frequently Asked Questions
How is FD maturity calculated in Thailand?
Maturity = P × (1 + r/4)^(4n) for quarterly compounding, where P is the deposit, r the annual rate and n the years. fin·calc uses this standard method.
What is the current FD rate in Thailand?
As a 2026 reference, fixed-deposit rates are around 0.75% per year, varying by bank and tenure. Thailand's major banks pay about 0.75%–0.80% for a standard 12-month baht fixed deposit (Bangkok Bank, Kasikornbank, Krungthai, SCB and TTB 0.75%; Krungsri 0.80%) and about 0.90% for 24 months. Special or promotional accounts can pay more, often with conditions.
Is FD interest taxable in Thailand?
Banks withhold 15% tax on fixed-deposit interest, and resident individuals can treat this as a final tax rather than adding the interest to their annual income.
Is a fixed deposit safe in Thailand?
Fixed deposits carry no market risk. The Deposit Protection Agency (DPA) protects baht deposits up to THB 1 million per depositor per financial institution. They trade higher safety for lower long-term returns than equities.
Should I choose a fixed deposit or invest instead in Thailand?
A fixed deposit gives a guaranteed return and suits money you cannot afford to risk. Investing targets higher long-term growth but can fall in value. Many people keep an FD for safety and invest separately for growth.
What does a 12-month fixed deposit pay in Thailand?
Standard rates at the big banks are about 0.75%–0.80% a year (0.75% at Bangkok Bank, Kasikornbank, Krungthai and SCB; 0.80% at Krungsri), and about 0.90% for 24 months. The policy rate is 1.00%.
How is fixed-deposit interest taxed in Thailand, and is it protected?
Banks withhold 15% on the interest, which individuals can treat as final. The DPA protects up to THB 1 million per depositor per bank.
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Sources
Deposit rates are compiled from each country's central-bank publications and the typical offerings of its major banks, reviewed for 2026 and subject to change — always confirm the current rate with your bank before depositing. See our methodology and editorial policy for how we source and update this data.
Additional sources for this page
InfoQuest (accessed 12 October 2026): อัตราดอกเบี้ยเงินฝากของธนาคารพาณิชย์ ประจำวันที่ 18 กันยายน 2569. Bank of Thailand (accessed 12 October 2026): Monetary Policy Committee's Decision 4/2026. Bangkok Bank (accessed 12 October 2026): อัตราดอกเบี้ยเงินฝาก. Bangkok Bank (accessed 12 October 2026): Deposit Protection.