LINE BK

What LINE BK does

LINE BK (legal name: บริษัท กสิกร ไลน์ จำกัด / KASIKORN LINE Co., Ltd.) is a Thai digital banking platform that operates as Thailand's first "Social Banking" service, embedded inside the LINE messenger application. Established on December 11, 2018 as a 50:50 joint venture between KASIKORN INVESTURE Co., Ltd. (the investment arm of Kasikorn Bank) and LINE FINANCIAL CORPORATION, the company offers savings accounts, personal and nano credit lines, three variants of debit cards (online, standard, and overdraft), and insurance brokerage products through its wholly-owned subsidiary KASIKORN LINE Insurance Broker Co., Ltd. Customers perform transfers, QR PromptPay payments, cardless ATM withdrawals at KBank's K-ATM network, and insurance purchases without leaving the LINE conversation interface. Account opening is fully self-serve via K PLUS integration for existing KBank customers or via national ID verification at K-Check ID points located in 7-Eleven, Kerry, BigC, BOONTHAMPERM, and FamilyMart stores.

The platform's core technology is AI-driven credit assessment that estimates borrower income from bank transaction history, enabling lending to freelancers, gig workers, vendors, and farmers who lack traditional payslip documentation — the central commercial differentiation in an underbanked segment. The company is licensed by Thailand's Office of Insurance Commission for insurance brokerage and runs on KBank's banking infrastructure for compliance, K-ATM cash access, and K PLUS identity linking.

Revenue is generated primarily from interest on credit lines (18% p.a. on personal loans, up to 33% on nano credit), supplemented by insurance brokerage commissions on Muang Thai Life products, debit card interchange fees, and savings account fees (currently waived through September 2026). The go-to-market is product-led and platform-embedded: LINE's 53 million Thailand users form the primary acquisition funnel, with referral campaigns and merchant partnerships (Shopee, Lawson, Watsons, Tops, Lotte Duty Free) supporting activation. As of February 2026, LINE BK reported over 8.4 million customers under its "Everyday Financial Partner" positioning, having disbursed over 50 billion THB in cumulative loans through end of 2022 with an outstanding portfolio of 21 billion THB by October 2023.

Name

LINE BK

Legal name

บริษัท กสิกร ไลน์ จำกัด (KASIKORN LINE Co., Ltd.)

Website

https://linebk.com

Company type

Private

Founded year

2018

Operating status

Operating

Short description

LINE BK is Thailand's first Social Banking platform, offering savings, credit lines, debit cards, and insurance brokerage fully embedded inside the LINE messenger app. A 50:50 joint venture between Kasikorn Bank and LINE Financial Corporation, it serves over 8.4 million Thai consumers, with a focus on underbanked freelancers and informal-sector workers via AI-based credit scoring.

Ownership category

akta.pro rank

Headquarters

HQ city

Pathum Wan

HQ country

Thailand

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Credit/Lending Interest Income: Interest income from credit lines (18% p.a. max for personal loans, up to 33% p.a. for nano loans), representing the primary revenue stream. Over 50,000 million baht in cumulative loans disbursed since launch through end of 2022.
2. Insurance Brokerage Commission: Commission revenue from insurance product sales as LINE BK Insurance Broker, offering Muang Thai Life Assurance products including OPD, critical illness, IPD, and hospitalization plans. Company holds insurance broker license from OIC.
3. Debit Card Interchange Fees: Revenue from debit card usage including online and offline transactions. Three card types offered: online debit, standard debit, and debit with embedded credit line.
4. Savings Account Fee Income: Account maintenance fees and transaction fees where applicable. Currently waiving account maintenance fees from Oct 1, 2025 to Sep 30, 2026.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

LINE BK is Thailand's first Social Banking platform, offering digital savings accounts, revolving credit lines, nano credit lines for informal workers, debit cards, and insurance brokerage products all embedded within the LINE messaging application. The service is powered by Kasikorn Bank's (KBank) banking infrastructure and uses AI-driven credit assessment to extend credit to non-salaried workers. Customers access all financial products and conduct transactions directly within LINE without switching apps, with cardless ATM withdrawals via the K-ATM network.

Product overview

LINE BK is Thailand's first Social Banking platform—embedded financial services within the LINE messaging app—offering a unified portfolio of deposit accounts (savings and goal-based savings), credit facilities (personal credit line and nano credit for informal sector/merchants), debit cards (online, standard, and with overdraft), and insurance brokerage products (health, critical illness, inpatient, and hospital cash benefit). All services are accessible directly within LINE without app-switching, powered by AI-driven credit assessment for income evaluation and integrated with KBank infrastructure for ATM withdrawals and account services.

Differentiator

Problem solved

Functional benefit

Brands

• LINE BK Insurance Broker: Insurance brokerage service operated by KASIKORN LINE Insurance Broker Co., Ltd., offering life and health insurance products through the LINE BK platform in partnership with Muang Thai Life Assurance PCL.

Products and services

• LINE BK Savings Account Digital savings account accessible within the LINE messaging application, enabling fund transfers via LINE chat contacts, QR PromptPay payments, and cardless ATM withdrawals at KBank ATMs. Earns 0.25% p.a. interest with no minimum deposit requirement.
• LINE BK Special Rate Savings Account Goal-based savings account with automated monthly savings transfers, offering special interest rates of 1.5% for 12-month terms or 1.0% for 6-month terms upon goal achievement. Target amount between 100-500,000 THB.
• LINE BK Credit Line Revolving credit facility with cash withdrawal and installment repayment options, supporting borrowers with or without regular income documentation through AI-powered bank transaction history analysis. Credit limit up to 5x income or 800,000 THB max at 18% p.a.
• LINE BK Nano Credit Line Small business credit facility for informal sector workers and LINE MAN Wongnai merchant partners, requiring only 5,000 THB monthly income and offering credit up to 100,000 THB at up to 33% p.a. for working capital needs.
• LINE BK Debit Card Debit card offerings including online-only debit card (free first year, then 150 THB/year), standard debit card (100 THB issuance + 350 THB/year, includes travel insurance up to 100,000 THB), and debit card with integrated credit line for overdraft protection.
• LINE BK Insurance Brokerage Service Insurance brokerage service offering health and life insurance products from Muang Thai Life Assurance, including OPD, critical illness, IPD, and hospitalization plans. Operated under KASIKORN LINE Insurance Broker Co., Ltd. with licenses from the Office of Insurance Commission.
• OPD Bao Bao Health Insurance Health rider (OPD) insurance covering outpatient treatment, doctor visits, diagnostics, and medication for common illnesses, accidents, and epidemics with coverage up to 30 visits per year. Premiums from 185 THB/month.
• Critical Illness Insurance Critical illness insurance covering cancer, cardiovascular diseases, and neurological/muscular conditions with payouts from 250,000 to 500,000 THB upon diagnosis. Premiums from 482 THB/year for ages 20-58.
• IPD Mhao Mhao Bao Bao Inpatient Insurance Inpatient (IPD) health insurance with room and medical expense coverage up to 500,000 THB per admission, unlimited admissions per year, covering serious illness, common diseases, epidemics, surgery, and accidents. Premiums from 996 THB/month.
• Hospital Cash Benefit Insurance Hospital cash benefit insurance providing 365 days of daily compensation for inpatient treatment, with 2x payout for ICU or surgery due to accidents, and premium refund every 3 years if no claims filed. Premiums from 209 THB/month.

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Muang Thai Life Assurance PCL (MTL)coreStrategic or Co-development Partner · 26 September 2023Insurance partner providing life and health insurance products sold through LINE BK Insurance Broker. MTL products include OPD, critical illness, IPD, and hospitalization plans designed for mass-market accessibility. Partnership enables insurance purchase and payment within LINE app.
• Gogolook (Whoscall)minorGTM or Marketing Partner · 24 August 2023Scam protection partnership offering LINE BK customers 6 months of free Whoscall Premium subscription to help identify and block scam calls and messages, addressing cybersecurity concerns for digital banking users.
• Srisawad Corporation PCL (SAWAD)minorStrategic or Co-development Partner · 7 February 2023Referral partnership for personal loan products enabling LINE BK customers with assets to access Srisawad secured lending options through LINE BK Official Account. Initial focus on selected customer segments.
• Aurora (ออโรร่า)minorStrategic or Co-development Partner · 7 February 2023Referral partnership for additional credit options, offering alternative lending products through LINE BK platform to expand credit access for Thai consumers.
• LINE MAN WongnaicoreStrategic or Co-development Partner · 7 February 2023Merchant ecosystem partner providing nano credit products specifically designed for LINE MAN Wongnai restaurant and retail partners. Special credit terms including automatic repayment deduction from Wongnai Merchant App wallet, designed for business working capital needs.
• KBank (Kasikorn Bank)coreTechnology or IntegrationTechnology and infrastructure partner providing ATM network (K-ATM), K-Check ID verification points, K PLUS app integration, and underlying banking infrastructure and regulatory framework for LINE BK services.

Scale indicators9 records

Recent moves7 records

Expansion highlights5 records

Emerging players

• Akulaku: Pan-Southeast Asian consumer credit and digital banking platform operating in Indonesia, Philippines, Vietnam, and Thailand. Competes with LINE BK in nano-credit and consumer lending to underserved populations, with overlapping Thai market presence.
• Atome Financial: Singapore-headquartered digital financial services platform offering BNPL, consumer credit, and digital banking across Southeast Asia including Thailand. Competes with LINE BK in digital consumer lending and embedded merchant credit products.

Direct peers

• WeBank: China's largest digital-only bank, originated by Tencent and embedded within WeChat. Serves SMEs and consumers with AI-driven credit underwriting, paralleling LINE BK's LINE-messenger distribution and AI-based income assessment strategy.
• Kakao Bank: South Korea's leading mobile-only bank, originating from KakaoTalk messenger integration. Offers deposits, lending, and investment products via a chat-native interface, making it one of the most comparable international peers to LINE BK's Social Banking model.
• Toss Bank: South Korea's super-app-driven digital bank originating from the Toss messenger-integrated payments platform. Operates a nearly identical 'messaging-app-embedded banking' model and serves a similar young, underbanked demographic, making it LINE BK's closest conceptual peer.
• SCB Easy / Jenius by Siam Commercial Bank: SCB's digital banking platform offering accounts, transfers, lending, and lifestyle services to Thai consumers. Jenius targets a similar underbanked and digital-native segment as LINE BK, making it a direct competitor for primary deposits and personal credit.
• Jago Bank: Indonesia's digital bank embedded within the Gojek super-app, serving consumers and merchants with integrated financial services. Comparable to LINE BK in deploying AI underwriting for informal workers and offering merchant working-capital credit alongside consumer banking.
• TrueMoney: Thailand's leading e-wallet and consumer financial services platform operated by Ascend Money (CP Group). Offers payments, lending, and bill payment services to Thai consumers, directly competing with LINE BK in mobile-first financial services.

Broad incumbents

• Krungthai NEXT: Krungthai Bank's mobile banking app, one of Thailand's largest digital banking platforms with broad consumer and government payment services (PromptPay integration). Competes with LINE BK on savings, transfers, and government disbursement-linked accounts.
• K PLUS by Kasikorn Bank: KBank's flagship mobile banking app, offering savings, lending, payments, and investment services to Thai consumers. It is both LINE BK's infrastructure backbone (via K PLUS integration) and a direct competitor for the same LINE/KBank customer base, making it the most strategically significant peer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/c/linebk
• Facebookfacebook.com/linebkth
• LinkedInlinkedin.com/company/kasikornline

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about LINE BK