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Can I open a bank account with a non-O spouse visa in Thailand?
Non-O VisaThai Spouse VisaBank Account RequirementsThailand Banking RegulationsVisa TypesExpatriate Advice
Aug 26, 2025
8 months ago
Phornpatchanok ********
ORIGINAL POSTERDid anyone can open bank account with non-o spouse visa recently? (Married to a Thai )
On beginning of July i went to Bkk bank and Kasikorn bank branch in Phuket in order to open bank account for my husband. But the bank staff insisted they only accept non-o retirement visa or work permit. It’s really hassle now 😥
Thank you for every advice 🙏🏻
On beginning of July i went to Bkk bank and Kasikorn bank branch in Phuket in order to open bank account for my husband. But the bank staff insisted they only accept non-o retirement visa or work permit. It’s really hassle now 😥
Thank you for every advice 🙏🏻
TLDR : Answer Summary
The ability to open a bank account in Thailand using a Non-O spouse visa seems to vary significantly between different banks and branches. Users report mixed experiences; some have successfully opened accounts with the Non-O visa if they are married to a Thai citizen, while others faced obstacles, particularly at Bangkok Bank and Kasikorn Bank branches. Important documentation typically includes a passport, marriage certificate, and residence certificate. It’s advised to try multiple branches and potentially have a Thai spouse accompany you when applying.
NON-O RETIREMENT VISA RESOURCES / SERVICES
- Go to the Retirement Visa Section for information on requirements, including age restrictions, financial requirements, and necessary documentation.
- For immediate assistance, contact Thai Visa Centre directly via LINE at @ThaiVisaCentre or Email them.
- Explore recent discussions by using the Non-O Retirement Visa tag in the search box at the top of the page.
- Join the Thai Visa Advice Facebook Group to ask your questions, and get advice from others.
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Meena ******************
Did you check with SCB ? last time I spoke with the staff (around May) they told me that if you already have Non-O based on marriage, you can open an account with them. But that happened in Chiang Mai. I guess it is really depends on the branches 😅
Jo **********
this is strange my friend who recently opened an account is married to Thai and had a long term visa was told that based on being married he could open account. They did not care so much about the visa. I had a similar situation I opened my account 1.5 years ago based on marriage
Phil ******
@Phornpatchanok *******
contact @THAI *****************************
for guidanceYaqoob ************
Just open 1 week ago, on "non o - marriage visa" 3 month visa in kasikorn bank (bangkok).
Phornpatchanok ********
ORIGINAL POSTER@Yaqoob ***********
it is really weird to me that each branch doesn’t work on the same policy. In Phuket they told me Kasikorn bank do not accept Marriage visa. 🥺Yaqoob ************
@Phornpatchanok *******
if you have 3 month non o visa, they will have to open because without open bank we can't deposit sufficient fund for converting visa for 1 year. Spouse visit visa is unacceptable for bank account opening.Phornpatchanok ********
ORIGINAL POSTER@Yaqoob ***********
they insisted that they accept Non-o retirement visa or work permit. But not accept marriage visa. 🥺 i asked them many times to be sure that they really do not accept marriage visa.Daniel *********
@Phornpatchanok *******
how do you get a marriage visa without a Thai bank account in the first place?Phornpatchanok ********
ORIGINAL POSTER@Daniel ********
Yaqoob Ali Ahmed applied non-o spouse visa from Thai consulate in Germany.Derek *****
I don’t think any bank staff know the difference of that the visa stamp looks like. Just say it’s retirement cuz he’s married and then go with it. They won’t know anything except that it’s a long term visa.
Reply to
Derek *****
Reply
Max *************
@Yaqoob ***********
Well, she and her husband is staying in Phuket.Reply to
Max *************
Reply
Max *************
Did you try to open a bank account for your husband? He wasn't with you?
Phornpatchanok ********
ORIGINAL POSTER@Max ************
he was there with me. He has house ownership paper, marriage registration. But they insisted on Retirement visa or work permit. Surprised me that spouse visa didn’t help to open bank account as he married to a Thai. 🥺🥺Max *************
@Phornpatchanok *******
Just get a residence certificate from immigration and then visit other banks. It will work out eventually.Reply to
Max *************
Reply
Derek *****
If you didn’t get a certificate of residence, get one from immigrant and try again. Perhaps let the hubby to the talking, too? Maybe they’ll see him and think big money…
Derek *****
I would try again with the cert of residence. I’m married as well and we own the house but none of the banks were interested in the koror marriage or home. Either a work permit with the address in it or the immigration letter, along with any Non O. Have your husband go to the biggest SCB, KrungThai and KBanks in your area and initiate the account opening. I think he can do it with persistence.
Phornpatchanok ********
ORIGINAL POSTER@Derek ****
That day they didn’t even mention about Certificate of residence. My husband has house ownership document and our marriage registration. They just said they want retirement visa or work permit. 🥺 my hubby couldn’t argue for more.Reply to
Phornpatchanok ********
Reply
Luigi ***********
In a quarter of a century in Thailand, I've never understood the legal and policy systems for the entire country.
Everything is left to the discretion of the person in charge at the time.
The same goes for immigration.
Each of them operates at their own convenience.
These are the usual responses:
It's not possible.
I don't know.
I don't understand.
Everything is left to the discretion of the person in charge at the time.
The same goes for immigration.
Each of them operates at their own convenience.
These are the usual responses:
It's not possible.
I don't know.
I don't understand.
Phornpatchanok ********
ORIGINAL POSTER@Luigi **********
that is true, they do not work on the same policy, rules. We probably have to try other branches, banks until we can get it 😞Max *************
@Luigi **********
What has this got to do with the legal system? It's about opening a bank account as a foreigner.Luigi ***********
@Max ************
I don't know how you got credited as the group's All-Star contributor. Please keep your nonsensical responses to yourself. Thank you 🙏Marianne ********
@Luigi **********
All Star is sadly based primarily on how much engagement they have, not really about the quality of that engagement.Reply to
Marianne ********
Reply
Marianne ********
Kasikorn in Cha-Am 3-4 weeks ago, no problem.
Now, I was on a extension of stay, and I an account from a different branch from before, but did ask if just Non-O would have been fine, and they said it was, and sounded surprised people were having problems opening accounts with a Non-O.
Needed my passport, residence certificate and marriage certificate.
But this is Thailand, mileage may vary, and they might have misunderstood my question entirely.
Now, I was on a extension of stay, and I an account from a different branch from before, but did ask if just Non-O would have been fine, and they said it was, and sounded surprised people were having problems opening accounts with a Non-O.
Needed my passport, residence certificate and marriage certificate.
But this is Thailand, mileage may vary, and they might have misunderstood my question entirely.
Max *************
@Marianne *******
Her post wasn't about sharing any experiences. She more or less asked for help. But, obviously you didn't understand that, and why would she travel anywhere? She's Thai and she's probably staying in Phuket with her husband.Marianne ********
@Max ************
"Did anyone can open bank account with non-o spouse visa recently? (Married to a Thai )"This is a question, asking about experience.
I answered it, because I have recently done this ( and asked questions at my local Immigration ).
She does not ask for a specific location for these experiences, just that she had a bad experience in Phuket.
I told her my experience in my area.
She wouldn't need to travel anywhere, but her husband might if they refuse to open an account for him in Phuket.
I, and others, are supplying options, you on the other hand is just bringing a bad attitude.
Reply to
Marianne ********
Reply
Max *************
@Marianne *******
She's in Phuket,just saying.Marianne ********
@Max ************
Sure. But she didn't specify experiences from Phuket, only stating that is her experience there.But if she can't get it sorted in Phuket, traveling could be an option.
Reply to
Marianne ********
Reply
Brandon ************
Most reports I've heard said that they are requiring you to be married to Thai or have work permit.
You just need to check more bank branches. Each office manager sets the policies for that branch. You just keep checking until you find one that works. But I would avoid Bangkok Bank
You just need to check more bank branches. Each office manager sets the policies for that branch. You just keep checking until you find one that works. But I would avoid Bangkok Bank
Phornpatchanok ********
ORIGINAL POSTER@Brandon ***********
its weird for us to be told that spouses visa could not use to open an account. Bangkok bank at Thalang branch and Kasikorn Cheng talay they insisted me on this information. 🥺 it’s bothering me why these staff they do not work on the same policy. They told other people could open accounts with spouse visa. But it didn’t work for us. Probably we will try when we are in Bkk 🥺 Thanks!Jo **********
@Phornpatchanok *******
very strange as a friend my very recently opened an account just by being married to Thai. There was even a report on this in the news.Reply to
Jo **********
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