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Answereda year ago

Can I open a bank account in Thailand with a non-immigrant OA visa without a long-term lease?

Alex **********
asked Jul 15, 2025
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Hello everyone, I was just wondering if any of you had an issue opening a bank account with a non-immigrant OA visa secured in your home country (but without a long-term lease in Thailand?) I know the OA does not require a long-term lease as part of its approval process, but does the bank require a long-term lease before opening?

Thanks!
Answer summary
The ability to open a bank account in Thailand with a non-immigrant OA visa without a long-term lease depends on the individual bank's policies. Some banks may require a long-term lease, while others might not. Experiences shared by users suggest that it is essential to visit multiple branches, as requirements can vary significantly. Notably, SCB bank has been mentioned as more accommodating, with at least one user successfully opening an account under such circumstances. Overall, checking directly with the bank of choice before visiting is advisable.
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Matthew *********
Matthew *********
Good luck, seems none of the banks want to open up accounts for foreigners even with all the proper visa paper work
Nick *******
Nick *******
SCB, 20minutes, done,
@Mat****
. They spotted class 🤣🤣🤣.
Matthew *********
Matthew *********
@Nick ******
oh is that trick these days 555. I guess it was appropriate I used an agent 555
Nick *******
Nick *******
Me, too,
@Mat****
. I didn't have my licence with me but a pdf on my phone did the trick. Who knows?
Matthew *********
Matthew *********
@Nick ******
no sure how a driver license would validate either. Seems a birth certificate and passport would be enough validation. Who knows I was educated in tje West 555
Nick *******
Nick *******
I was just lucky,
@Mat****
. My wife still needs to get her Japanese driving licence translated but that's the only hurdle. Not sure why they need a driving licence to validate a passport, but hey ho.
Nick *******
Nick *******
Hi Alex, we just arrived recently and wanted to open accounts. We went, randomly, into Emquartier for something else but saw that there were several banks, and we had our passports with us, so thought, why not?

The first we came to, Bangkok Bank, is the one everyone had said would be easiest (subject to the local rules mentioned by an earlier respondent). A rather snooty lady took my passport, confided with her colleagues and came back to ask me if I had the title deeds of a property in Thailand, to which the answer was no.

Next door was Krungsri. Similar approach but this time multiple letters from the embassy confirming this and that, so we moved on.

We ignored a couple of banks and went into SCB, whose ATMs I’ve been using for 20-odd years because they’re purple and I grew up in the 70s.

After a little wait, we went to the assistant and within 20 minutes, I had an account, a savings book and a debit card. They weren’t sure about my passport but an image of my UK driving license sealed the deal.

SCB in Emquartier worked for me. Good luck!
Alex **********
Alex **********
OP
@Nick ******
One more question I forgot to ask. Did the bank ask you if you had a long-term lease, or did it not matter for their purposes of opening? 
Alex **********
Alex **********
OP
Thanks! That’s such a crazy story about the marriage atteststion. I have had several friends go through this process and I’ve never heard that particular issue. From what I’ve been hearing in recent months though, it actually doesn’t surprise me. It seems like you have to have a little bit of luck to get through this process unscathed. At least you made it! It still feels like a bit of a hurdle for me but I’m sure it will all be worth it at the end. I still have a few health insurance interviews to go, but I’m probably gonna go with CIGNA global. I have friends on it, it’s familiar to me, the deductibles are negotiable and they don’t jack up your prices if you file a claim. At least that’s what I’ve heard from people that are on it. They are also familiar with the foreign certificate they need to submit, but we shall see. I was not aware that the three months of bank statements had to be done in a particular way. They won’t accept PDFs of bank statements that you can download from your own online account? Or was this a unique problem because of where you were living? 
Nick *******
Nick *******
Thanks for the heads up about Cigna. I'll add them to the list.
Nick *******
Nick *******
They will accept pdfs downloaded from your bank website,
@Al**
, but HSBC in the UAE seem to upload them on a random basis, and you can't decide the dates. Only by going to a main branch and giving them the dates were they able, after a few attempts, to get something approximating the consulate's requirement.

As for the attestation, in my mind's eye, I see the visa team sitting round a table with a stack of cards in the middle, similar to Chance or Community Chest, and they drew attestation for me 😊
Alex **********
Alex **********
OP
Thanks again
@Nick ******
. After reading a few other streams that you are on, it seems like I am earlier in my process than you (I still have a few months.) I’m now doing the research on health insurances. Was wondering if you went with one of the listed Thai options or an international option of your own? From what I understand from the Thai consulate, there is a choice to go outside of that list of Thai options to an international company as long as they fill out the foreign certificate. Is that what your research found? Thanks again for paying it forward. There is definitely a learning curve to the ever-changing bureaucracies. 
Nick *******
Nick *******
Warning: long and fairly dull post.

Definitely,
@Al**
. I went with a Thai policy but you're basically paying for the certificate since pre-existing conditions are not covered and even fairly common ones are extrapolated to exclude other conditions down the line. We decided to get that policy, get a couple of months' travel insurance and look for more affordable and flexible options once we've settled. A lot of people recommend getting the minimum for the visa and self-insuring, going to local hospitals if necessary.

If you're still at the stage of gathering documents, I'd recommend starting as soon as you can, anticipate barriers, local and Thai holidays, when the consulate closes, and the unexpected. Getting HSBC to supply 3 months of bank statements in the way required took ages, multiple phone calls and eventually a branch visit and refusing to leave without what I needed. That came as no surprise and was one of the please resubmit requests. Just when we thought we'd got everything, we got a request to submit an attested translated copy of our marriage certificate, which was something I'd never come across outside cases where the partner is Thai. My wife is Japanese and I immediately submitted an attested copy we had done in 2011, when I moved companies. A long weekend (Eid) passed and I got a message from an attestation company. The law in the UAE had changed the year before, making attestation over 10 years old invalid, so we had to start again. It had to go to London, be attested by the UAE embassy there, return to Dubai for stamping at the MOFA and finally be translated (another long weekend). I asked a Thai friend to check the translation and she found that Bachelor, my marital status on the certificate, had been translated as undergraduate, so that had to be changed. Our flights to Bangkok were at 2.50am on July 2nd. My wife's visa arrived at 11am on June 30th and mine 24 hours later, 12 hours before we left for the airport and an hour before we postponed flights, lengthened local accommodation, rebooked the cats etc. Stressful? A tad, yes. And I'd started the process in late April. Final warning, only start completing the online form once you have all the documents ready to upload. It automatically disappears after 14 days and some things, such as insurance, can take longer than that to sort out.
Nick *******
Nick *******
They didn't ask,
@Al**
. We're in a 4-week Airbnb while we look for long-term accommodation and used that address for the time being.
Alex **********
Alex **********
OP
@Nick ******
This is so helpful. Thank you! May I ask, are you also on a non-immigrant OA?

I heard the same as you from my friends that live there- Bangkok Bank ‘used’ to be the easiest, but in the last few months, they’ve created internal changes to banking policy that often don’t work hand-in-hand with immigration. So, it is my understanding that other banks are better suited for retirees at this juncture. Thanks for the heads up!
Nick *******
Nick *******
Yes,
@Al**
. Wife and I both on non-immigrant OA visas, obtained where we were last resident.
Alex **********
Alex **********
OP
Thanks! I’ll plan to hop around a bit
Jesper *******
Jesper *******
It all depends on bank branch....all have diffeent requirements lease agreement, residency cert, etc ....the most important is proper long term visa or work permit......I opened a SCB bank acct with just nonO visa and thai driving licence and noting else .....u need to visit more branches
Pete *******
Pete *******
Yes can confirm SOME branches of SOME banks require a 12 month lease to open an account.
Paul ********
Paul ********
The Kasikorn branch in Pattaya Central Festival seems to have clearly established guidelines for opening accounts, and is happy to do so.

I would try them first.
Brandon ************
Brandon ************
That will be up to the bank. The manager of each branch office gets to decide what they require. So one branch might require it while another a km down the road does not.

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