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Can I Have Two Separate Bank Accounts in Thailand for Immigration Purposes?

Thai Visa Rules Retirement Visa Banking in Thailand Fixed Deposit Accounts Savings Accounts Interest Rates Immigration Requirements

Mar 26, 2025

5 days ago

John *********

ORIGINAL POSTER

Banking question. I cannot get an answer from immigration:

I am fine putting ฿800,000 in a bank account . But I want to get decent interest. The bank tells me I can get a decent 2.4% interest in a fixed account. However, that money cannot be accessed by ATM or the banking app for things like making payments.

I don’t want to put the 800,000 into their savings book account because it only gets 0.25% .

Also, I want to have my deposit every month over the next 12 months so I can in one year get my 800,000 back

Question: can I have two accounts? One with a bank that is a fixed account that I put the 800,000 in and I do not touch for the year and I get 2.4%.

A regular savings account where I would deposit my 65,000 bought every month so in 12 months I can show that I have the pension and I can get my 800,000 back 

Will that be allowed?  Same bank just two different accounts. The savings account that I deposit my pension into I could then use for paying bills, etc., and withdrawal from ATM.

Or does everything need to be in one account? 

Thanks if you have any relevant information .

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TLDR : Answer Summary

The user is inquiring whether it's permissible to maintain two separate bank accounts in Thailand: one account with ฿800,000 in a fixed deposit for interest (with limited access), and another regular savings account for monthly pension deposits. Responses indicate that it is generally allowed to maintain both accounts, provided they are solely in the user's name. However, immigration policies on this can vary by region, so it's advisable to check with local immigration authorities to ensure compliance with their specific requirements.

NON-O RETIREMENT VISA RESOURCES / SERVICES

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David **********

Do your best but you have to write it off as the cost of doing business. The system has been severely abused since the beginning of time and the people who don’t game the system pays for it.

3 days ago

Keith *******

The THB

*****

0 has to stay in the bank three months before your visa application and three months after. There was a rule change I understand. That means for an annual OA retirement the money must stay in the account. You might be better proving the THB

*****

every month which is what I'm exploring now. The downside of this though is the exchange rate. The upside is that one doesn't have THB

*****

0 sitting idle in an account getting very little interest.

3 days ago

Henrik *****

What is most important for you, get a long term visa to live in Thailand, or getting a couple % interest and live elsewhere.

It’s up to you, you can’t always get what you want !

4 days ago

John *********

ORIGINAL POSTER

@Henrik ****

but if you are smart you can have both. Why not!

3 days ago

Reply to

John *********

Jim *******

Why did you put 800K THB into that account? Sounds like to make what is mandatory for a retirement visa.

4 days ago

John *********