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K-SME Express Cash Card

Instant cash loan for ​entrepreneurs.

Note: This loan is for non-business usage only.


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Highest credit line 5 times of your income

Get cash upon approval — no fee, no collateral needed.

Note: Up to 1.5 million baht.


 
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Withdraw 24 hours maximum 200,000 baht / day.

200,000 บาท/วัน  

at any bank’s ATM, fee-free.


 
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No fee, for life.

Never ever have to pay for entry fee, annual fee, or cash advance fee.


 
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Interest based on actual usage.

No withdrawal, no interest.

 
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Credit LimitInterest Rate for Subsequent Years
From 240,001 baht and above20%
From 80,001 to 240,000 baht24%
80,000 baht and below27%

Note: According to the conditions set by the bank.


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Choose to pay, as you wish.

Full amount or a minimum of 5% (not less than 500 baht).

 
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Instant Payment via Multiple Channels

 

Pay by Direct Debit

Subscribe

 

Pay at ATM

Find ATM

 

Pay via K PLUS

iOS , Android

 
 

Pay via Automated Telephone System
02-8888888 Press 891

 

Pay at Branch

Branches near you

 
 
 
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Additional Privileges for K-SME Express Cash cardholders

 

Free K-SME Analysis

Get emails on useful business analysis and research.

 

Special Interest Rates

For SME loan with no collateral (2% discount on the interest rate for the first year)
SME No-Collateral Loan Detail.

 

Special Interest Rates

For franchise loan (1% discount on the interest rate)
Franchise Loan Detail.


 
 
 
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Additional Services

Convenient. Safe. Worryfree.

 

Direct Debit Payment (Auto Payment)

See Details

Request to increase your credit limit

See Details

Instant Cash by Phone (Call for Express Cash)

See Details

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Cash Day 1

See Details



 
 
 
 
 

Prepare attached documents

  1. Copy of a national ID card
  2. Copy of the first page of your K-Bank deposit account book
  3. ​Certified true copies with your affixed signature
 

Submit documents to any branch nationwide

 
 

Prepare attached documents

  1. Copy of a national ID card
  2. Copy of the first page of your K-Bank deposit account book
  3. Certified true copies with your affixed signature
 

Submit documents to any branch nationwide

Note: ​Customer Service Request
Management Department​,​ Kasikornbank, Chaengwattana Building,​ Floor 7, ​47/1 Moo 3,
Ban Mai, Pakkred,​ ​Nonthaburi 11120

 
 

Prepare attached documents

  1. Copy of a national ID card
  2. Copy of the first page of your K-Bank deposit account book
  3. Certified true copies with your affixed signature
 

Call K-Bank to transfer cash to your account
at
02-8888888 press 04

 

Fill in application form

Applied Cash Day 1 service
when apply K-Express Cash

 

Prepare attached documents

  1. Copy of a national ID card
  2. Copy of the first page of your K-Bank deposit account book
  3. Certified true copies with your affixed signature
 

Submit documents to any branch nationwide

Note: Customer Service Request
Management Department​,​ Kasikornbank, Chaengwattana Building,​ Floor 7, ​47/1 Moo 3,
Ban Mai, Pakkred, ​​​​Nonthaburi 11120​

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How to Apply

Qualifications

Business Owners

  • Age 22 - 65
  • Thai nationality
  • Minimum monthly income of 20​,000 baht
  • Reachable by phone at home and workplace
Required Documents

Business Owners

  • K-SME Express Cash application form
  • Copy of a national ID card​
  • For businesses registered under private individuals
    • Copy of Commercial Registration Certificate and Copy of bank statement (of the businesses’ main account with commercial transactions evidence) issued under the name of a private individual. The statement must show transactions made for the past 6 months and more onwards
  • For shareholders of businesses registered as corporate individuals (PCL, CL, LP, JOP)
    • Copy of Juristic Person Registration Certificate, not more than 6 months old and
    • Copy of lists of shareholders’ names, not more than 1 year old (for CL and PCL only) and
    • Copy of bank statement issued under the name of a corporate individual. The statement must show transactions made for the past 6 months and more onwards
  • For owners of businesses registered as ordinary partnership (OP)
    • Copy of Commercial Registration Certificate and
    • Copy of Ordinary Partnership Form of Request and
    • Copy of bank statement issued under the name of an ordinary partnership. The statement must show transactions made for the past 6 months and more onwards

 
 
 
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Frequently Asked Questions

What is the interest rate for the K-SME Express Cash card?
What is the maximum approval limit? What are the criteria?

The maximum approval limit is up to 5 times the applicant’s income, up to 1.5 million baht, based on income and ability to pay debt.

How many days does it take to get the approval result?

The approval result is provided within 7 working days after the bank has received complete and correct documents.

How many months can I choose for installments? Can I pay the minimum amount? How much?

K-SME xpress Cash is a current loan, not a loan paid by installments. But K-SME Express Cash has 2 options for monthly payments in your preferred manner:

  1. Pay in cash: whether full payment; or minimum payments at 5% of total spending or 500 baht, whichever amount is higher; or an amount higher than the specified minimum amount
  2. Direct debit (only for KBank current account and savings account): whether full payment; or minimum payments at 5% of total spending or 500 baht, whichever amount is higher; or an amount higher than the specified minimum amount
Are there any fees? How does K-Bank calculate interest?

KBank does not collect entry fee, annual fee and withdrawal fees at ATMs of any bank nationwide.

Interest is calculated based on actual usage; no withdrawal, no interest (Interest will be calculated daily.)

Is the maximum withdrawal 200,000 baht per transaction or per day?

Easy withdrawals can be made at ATMs of any bank, 24 hours a day, at a maximum of 200,000 baht per day or a maximum number of withdrawals at 10 times a day.

For more information / further enquiry on K-Express Cash service. What channel I Can contact?

Please contact K-Contact Center Tel. 02-8888888 and press below steps

  • Loss card, suspension card, replacement card
Press 00
  • Activate card
Press 07
  • Product & service information
  • Changing mailing address : billed statement
  • Changing contact number
  • Request PIN
  • Request statement
  • Call for Express Cash service
  • Applied SMS Due Alert service
  • Checking closing balance
Press 04
  • Check current balance
Press 01
  • K-Express Cash Payment
Press 891

 
 
 
Credit LimitInterest Rate for Subsequent Years
From 240,001 baht and above20%
From 80,001 to 240,000 baht24%
80,000 baht and below27%
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Note: According to the conditions set by the bank.


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Credit Limit

 
 
 
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Fees

 
 
 
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Interest

 
 
 
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Payment Method

 
 
 
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Additional Services

 
 
 
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How to Apply​