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By the GoeSIM teamUpdated 6 min read

Get Thai bank OTP codes while traveling: keep your AIS, True or dtac number on, use a travel eSIM for data

In short

Yes, you can, and receiving SMS abroad is free if you do three things:

  • Turn on the roaming service with your Thai carrier before you fly. It's free; you don't need to buy a roaming data pack.
  • Keep your Thai SIM in the phone with its line switched on, just for SMS.
  • Send your data through a travel eSIM, and stop the phone from switching to your Thai SIM's data.
  • The one thing to watch: answering calls on your Thai number costs money at that country's roaming rate.

    Why you still need your Thai number abroad

    Most transfers in Thai banking apps don't need an SMS, but some things still send a one-time code (OTP) to your Thai number:

  • Paying online with a Thai credit or debit card, for example booking a hotel, train or tickets during the trip
  • Logging in to your banking app on a new phone, or registering the app again
  • Other apps and services tied to your Thai number
  • You can't know in advance when you'll need it, so set things up to receive SMS for the whole trip.

    Step 1: turn on roaming before you fly

    Turning on the roaming service is not the same as buying a roaming data pack. The service is free, and your carrier sends an SMS to confirm it.

    CarrierHow to turn on the roaming service
    AISDial *125*1# and call, or in the myAIS app: Profile → Manage network → Roaming service
    True / dtacIn the True or dtac app (roaming settings). Prepaid customers can dial *118*001# while still in Thailand

    Forgot before your flight? You can still turn it on in your carrier's app abroad, using the travel eSIM's data or Wi-Fi.

    Step 2: set up your phone so data doesn't leak

    This is the step that matters. Get it wrong and the phone can quietly use your Thai SIM's data, which is very expensive abroad.

    iPhone

  • Settings → Cellular → Cellular Data: choose the travel eSIM.
  • Turn off "Allow Cellular Data Switching". If it's on, the iPhone can switch to the other SIM's data by itself when the signal changes.
  • Tap your Thai SIM: keep Turn On This Line on, and turn Data Roaming off for it.
  • Tap the travel eSIM: turn Data Roaming on if it's a roaming plan.
  • Apple describes Data Roaming as using internet data on foreign networks, so receiving SMS on your Thai SIM doesn't need its Data Roaming on.

    Android

    Menu names differ by brand. On Samsung it's Settings → Connections → SIM manager.

  • Under Mobile data, choose the travel eSIM.
  • Turn off Auto data switching if your phone has it.
  • Keep your Thai SIM switched on.
  • Many Android phones turn Data Roaming on or off for all SIMs at once. If you need it on for the eSIM, also switch off mobile data for your Thai SIM in your carrier's app, so you're sure you won't pay for roaming data.

    If your Thai SIM shows no signal

  • Wait a moment, or toggle airplane mode. The SIM needs time to find a partner network abroad.
  • Check that you got the SMS confirming the roaming service.
  • Try choosing a network manually in your Thai SIM's network settings.
  • Still nothing: contact your carrier through its app or online chat, using the eSIM's data.
  • What costs money

    On your Thai SIMCost
    Receiving SMS (including OTP)Free
    Answering callsCharged at that country's roaming rate
    Making calls / sending SMSCharged
    Using dataCharged, and expensive: Step 2 prevents it

    If someone calls your Thai number during the trip and it isn't urgent, don't answer. Call back over WhatsApp, LINE or FaceTime on the eSIM's data instead.

    Banking app tips

  • Don't delete your banking app or switch phones during the trip. Registering the app again usually needs an OTP and several identity checks.
  • Thai banks no longer send SMS with links. If an SMS claiming to be your bank contains a link, don't tap it.
  • Never share an OTP with anyone, whoever they claim to be: the bank, a hotel or an airline.
  • If you'd rather not use an eSIM

    A Thai carrier's roaming pack also works for OTP, because one SIM handles both data and SMS. It's simpler but usually costs more than a travel eSIM, so it suits short trips or phones without eSIM.

    Going to Japan or Korea? Our guides compare every plan: Japan eSIM and Korea eSIM.

    Not sure your phone supports eSIM? See how to check and install an eSIM, or pick a plan for your destination on all destinations.

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