# BOT Caps Youth Transfers After Surge in Mule Accounts

- Link: https://www.thailand-business-news.com/banking/322356-bot-caps-youth-transfers-after-surge-in-mule-accounts
- Published: 2026-08-05T07:31:00+07:00
- Author: Akanksha Singh

The Bank of Thailand (BOT) has introduced new daily transfer limits for accounts
held by children and teenagers following a sharp rise in youth mule accounts linked
to online fraud. Reported cases jumped **70%** between early 2025 and early 2026,
with losses exceeding **185 million baht**.

Under the new rules, digital transfers for minors will be capped at **3,000 baht
per day** for ages 10–12, **5,000 baht** for ages 12–15, and **10,000 baht** for
ages 15–18. Low‑risk transactions, such as transfers between a user’s own accounts,
are exempt. BOT says more than **97%** of young users will not be affected.

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Banks must implement the measures by **September 2026**, while e‑money providers
have until **October 2026**. Parents and young customers may request higher limits
if needed.

The move is part of Thailand’s broader effort to curb financial crime and prevent
minors from being exploited by criminal networks.