Thai Treasury Launches Savings Bonds Starting at 100 Baht

Thailand's Finance Ministry is preparing to launch the first issuance of "Savings Plus" government bonds on July 31, 2025, to provide citizens with accessible savings and investment options. Deputy Prime Minister and Finance Minister Ekniti Niti-Thawatchprasad stated that the bonds will feature fixed interest rates of 1.80% per year for 3-year maturity and 2.80% per year for 10-year maturity, offering better returns than traditional savings accounts.

The "Plus" benefits include monthly availability through multiple distribution channels—digital wallets, commercial banks, securities companies, and streaming applications—making savings accessible to all Thais. Investors can begin with just 100 baht through the SBMA wallet on the Pao Tang application, or 1,000 baht through banks and securities firms, allowing citizens to choose the investment format that suits their needs.

"These bonds are more than an investment tool; they represent a partnership between citizens and the state to build Thailand's future," Ekniti said. "Savings will fuel government development programs while investors earn returns—a mutual effort strengthening both household and national security."

In fiscal year 2025, the Finance Ministry will issue Savings Plus bonds twice, each time offering 4 billion baht: 2 billion baht through SBMA wallets and 2 billion baht through the Bond Connect Platform. The first issuance runs from July 31 through August 31, 2025. Eligible buyers are Thai nationals aged 15 and above (those under 20 require parental consent). Minimum purchase starts at 100 baht with no upper limit except 3 million baht per transaction, on a first-come, first-served basis. Interested buyers should download the Pao Tang application, register, verify identity, and prepare funds in advance through mobile banking.