Answered2 years ago
Can tourists currently open bank accounts in Thailand given the recent non-O visa application restrictions?
Looks like tourists can't open bank accounts now. All new non O visa applications are on hold. Confirmed with two agents.
Answer summary
Recent changes in Thailand's banking and immigration policies have created challenges for tourists and expats attempting to open bank accounts and apply for Non-O visas. Tourists are reportedly facing new restrictions that prevent them from opening bank accounts, which complicates their ability to meet financial requirements for long-term visa applications. This is linked to a broader crackdown on 'mule' accounts and compliance with international regulations such as the Common Reporting Standard (CRS). While some users claim they were able to open accounts, the overall sentiment points towards increasing difficulties, particularly for those looking to transition from tourist to long-term visas.
428 repliesnewest first
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Steve *********
So, what now? Not sure what my legal options are to retire in Thailand? I was planning on selling my home in the US, in the near future. Saved up and I'm basically was ready to roll out and start a new life.
Devon ********
I managed to get the bank ATM account for this type of retirement visa before the change in policy about 1 month ago after doing the rounds to immigration and a branch of the Bangkok bank. . I was told that my passport would be sent to immigration and it wouldn't be ready for pick up until the 21st Feb. When I checked with the agent yesterday, she said everything had changed and they would have to find a new bank. The agent or immigration have my passport and the 34,300 baht I paid for the 12+3 month visa and probably have hundreds of clients in the same boat as me. Any advice on what I should do now? My two month visa has expired during the 1 month waiting period. I was told by the agent when handing over my money and passport that they were the experts who would handle everything and not to worry. That's hard to do without a plan B, and it will take me at least 12 months to liquidate some assets to keep a minimum of 900k baht in my retirement bank account..
Dil ********
Guys is Thailand!!! U forget always there is a way if you want open ....
Nina *****
For information. This might help make the situation clearer.
Update
Original
Update
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John-Paul ******
Wait everyone.... not a law yet and they are still figuring things out. Don't panic. Agents are on the case and will sort things out. It is what they do and know the rules. This is Thailand and things always seem to be announced and then a month later disappear... maybe to do the same thing over again with same results. Take the TM30 panic... the tax I'd requirement... the up and down of the DTV... etc.
เต๋อ *****
Go to immigration, get a letter permission to open account to compliance with O visa requirement.
Then go to Bangkok Bank, you don't need agent.
Then go to Bangkok Bank, you don't need agent.
Nelly ******
OP@เต๋อ ****
never heard of this. Who said this?
Rok ********
@Nelly *****
absolutely correct process once you have non-o(best to get it in home country)เต๋อ *****
Well, if you want, go to Huahin, I will give you a contact to help you do it, she is an agent, she is very good and has contact in Immigration. And most importantly, she is very honest.
เต๋อ *****
@Nelly *****
I did for my sister 3 months ago.
Koin ******
You can with O-X (dunno for O-A) but u cant with Non-O
Darrel *********
Tourist could never open bank account its been a rule for over a year now
Brad *******
@Darrel ********
so why they never if it’s only been for a year.Darrel *********
@Brad ******
because they themselves don't know what to do. If you go to main branch they will usually say no or require additional paperwork. But sub branches will try to follow main branch or see what is allowed based on some managers guide lines. I have SCB Bangkok bank krungsi and Kasikorn. Tried main branches for most some I was straight up denied even though im on 1 year with non o and work permit. Usually quoted changes in government guidance rules.
Charles ********
@Darrel ********
there is no law. Each bank sets its own policy and each branch of the bank makes up there own...there is no uniform rule in thai anything...Nelly ******
OP@Darrel ********
rubbishDarrel *********
There is a law but do they follow it to the tee? No the closer you stay to tourist area in Bangkok there will be ways around it. But as of last year tourist are not supposed to have bank account
Darrel *********
@Nelly *****
DTV is not a tourist visa... Neither is retirementAnd before you get those visa there are Non O visa..
For DTV they need letter of employment and a bank statement from ones country showing supporting balance. It takes little effort to use your own brain to answer your own question. There is also Google.
With that said even with these rules in place yes there are places that will allow it still. But last year alone a lot of foreigner accounts were audited and closed. Due to money laundry investigation
Nelly ******
OP@Darrel ********
so how exactly do you get a DTV or retirement visa with no bank account. It's literally a requirement. Do you hear how silly stating "law" sounds.... exactly which law would that be?Darrel *********
@Nelly *****
nope they just dont follow it to the everywhere
JJ ********
however currently the agents can no longer deposit the 800,000 baht for you into an account
Brad *******
@JJ *******
my buddy got his visa today with the ฿800kdeposit made by immigration. The agents aren’t putting the money in, it comes from the immigration officers themselves.JJ ********
@Brad ******
in Pattaya ?? Or another immigrationJJ ********
@Brandon ***********
I talk too about agent in Pattaya ..informed you
I spoke with two agents two days ago
Brandon ************
@JJ *******
I have not only spoken to an agent in Bangkok, I've seen many people report the same about their agents. It's only Pattaya and only a few agents. Everywhere else is business as usual.JJ ********
@Brandon ***********
This is completely false, currently no agent can renew your visa and deposit the 800,000 baht for you, call any agent and you will have the answer and this was two days agoBrad *******
@Brandon ***********
factsBrandon ************
@JJ *******
That's not true. The ONLY thing currently affected are a handful of very high volume agents in Pattaya who can no longer open bank accounts. Those agents can still process extensions if you already have a bank account. And other agents in Pattaya as well as agents anywhere else in Thailand are not affected.JJ ********
@Brad ******
All filings by an agent or immigration are currently suspendedBrad *******
@JJ *******
pattersNelly ******
OP@JJ *******
speculation? Source of your fact....
Kim *********
@Nelly *****
it was a violation of the rules - and could only be done if bribing an immi officer which is a crime in itself for bothJJ ********
@Nelly *****
information comes from all pattaya agents
Jackie ********
Why do you need a bank account for 90 days?
Or is this longer stay?
Or is this longer stay?
Brad *******
@Jackie *******
I opened one up in 1999 on a tourist visa because I didn’t wanna carry cash around or leave it in my condo when I was out. Much safer to have it in a bank account then have ฿50,000 in your pocket.Nelly ******
OP@Jackie *******
you don't. You need one to apply for a visa.Jackie ********
@Nelly *****
can it be American bank with all the paperwork for proof?Brad *******
JJ ********
completely false for non O visas on hold
Danny *******
Yep
Nongnuch ********
318 comments . . . . . Amazing Thailand 😎
Henrik *****
It is not unusual that tourists can’t open bankaccounts in country’s where they are not residents ( ie. have a permanent adress ), so check your own country’s rules before criticizing the Thai banks.
Magnus ******************
@Henrik ****
in Eu we can open in every country. Im swede but have three different bank in different country. Ni problem at all
Steve *********
Really?Why? Laundering - how about existing?
Jeff *********
Surprised if they are this advanced, I’m doubtful
Ian ********
Its best to go through agent. Ive just done that,
Retirement visa extension.and bank account 35k . As i couldnt open a bank account,
Everyone on here saying yes you can. And you cannot . An agent still can .
Retirement visa extension.and bank account 35k . As i couldnt open a bank account,
Everyone on here saying yes you can. And you cannot . An agent still can .
David ********
Yes, I have been to Thailand from Perth W.A. in recent times on a visa exemption and a 30-day extension. I think that is enough for me. I've been 2 times already so far. That's all OK for me.
John ********
20 million tourists last year went through bkk
I few falang not getting there visa renewed is not going to worry them
I few falang not getting there visa renewed is not going to worry them
Lucky ******
They’re trying to kill tourism. Lots of other destinations to chose from !
Will ******
Seems that if you have a bank account, the type of visa you have may help dictate if you get that tax form. Not just the 180 days
David *******
The visa part is only if you don’t have the money and need the bank to ‘fix’ your paperwork. If you have the cash in an account then you’re fine (assuming you have an account).
Nelly ******
OP@David ******
they don't accept foreign statements.....at least that's what I think. Nobody has ever said that specifically.David *******
@Nelly *****
I meant cash in a Thai account. There’s no issue getting a visa with the cash it’s on,y the bank ‘dodge‘ that isn’t possible at the moment. However, these things usually settle down given time.
Janin ******
Someone has to read what is written in the papers…..has nothing to do with, “can not open bank account”. You can open only one on one device, so the chance of fraud is a lot lesser. …eso…
Pertti *************
Why not apply non immigrant visa online without agent sucking your assets...
Frazer ******
Looking for an Agent to help open a Bank 🏦 Account in Nonthaburi
Pauley **********
What’s a non O visa?
John **********
Can’t speak for all visa types, I’ve only worked with non-o family. I’ve had to visit Bangkok Bank twice in the past 6 months in order to meet updated requirements for mobile banking. If it hasn’t been mentioned, the phone number on the account has to be connected to the citizen id number of the account holder, unless paperwork is filed in branch to allow for some exceptions (like multiple family member on one phone number.) before that it was updating all biometric data. Luckily I was in Thailand when the second one kicked in and I was able to resolve it without losing access.
The above is not necessarily directly connected but certainly shows the pattern of making it more difficult to open and maintain an account. Article from Pattaya Mail on the current situation:
The above is not necessarily directly connected but certainly shows the pattern of making it more difficult to open and maintain an account. Article from Pattaya Mail on the current situation:
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1?fbclid=IwZXh0bgNhZW0CMTEAAR2HjL83mRqd07qOietCAjndX1DZJ4nNYqOn4ykez82RRlCFLQLvlZm_xIY_aem_zlDf3WyTgpMxKwyWqKckHgHenrik *****
Be aware there is a error in the start of the Pattaya mail article ( and several other copy - paste media with the same article )
A Thai Bankaccount has never been a requirement to get DTV, on the contrary it has been one of the big advantage over other visa, that you could get DTV as long as you could show 500.000 Baht equivalent in any bank anywhere in the world.
It has never been the intention that DTV visaholders should be in need of a Thai bankaccount.
A Thai Bankaccount has never been a requirement to get DTV, on the contrary it has been one of the big advantage over other visa, that you could get DTV as long as you could show 500.000 Baht equivalent in any bank anywhere in the world.
It has never been the intention that DTV visaholders should be in need of a Thai bankaccount.
Steve *******
@Jo**
good read, thanks for sharing.
Jacky *****
I have bank accounts for sale tho
Glenn **********
I don’t have telegram
Glenn **********
@Jacky ****
how much?Jacky *****
@Glenn *********
may I have your telegram ID
Boran *****
It’ll be tax numbers next like what happened in HK a few years back.
James *********
In the last two weeks, I've been to Kasikorn Bank, three different Bank of Bangkok Banks, and a Krungthai Bank - all of them have stated different requirements. I'm here on a DTV and have plenty of assets to show if asked. I've all but given up, except for asking a friend who is dating a branch manager to open me an account. Wish me luck! T.I.T.!
Mark *********
I tried last week was told I need 2 picture IDs from my country is passport and drivers license well I've been here 30 years and only have my passport my driver's license is pink and no photo I have bank accounts so no biggie just wanted to open a yearly interest account for what you get interest I'm giving it a miss lol
Colorado ******
.
Garrett ***********
@Colorado *****
Anyone in the US can open an account.Nelly ******
OP@Colorado *****
many of them in UK.
Adrian ******
Glad I opened my on my Ed visa
Thomas *******
I was in Tha Bo in November on a 90- day non- o evisa and it was still a pain. The banks all wanted a certificate of residency, which Nong Khai immigration wouldn't do for me for a bank account. They did do a CoR for driver's license, but the banks wouldn't accept a copy of it. Finally was able to open an account with Krungthai in Si Chaing Mai. Every bank in Tha Bo, Nong Khai and 3 banks in Udon Thani wouldn't accept the Evisa as a long term visa as they had not been presented with one before.
Emmit *******
I have Non O-A Visa and just opened Bank Account today 17 February 2025 at K-Bank (Kaisikorn Bank). I tried with TTB and UOB but failed, went o K-Bank and succeeded.
Here is the story that I read:
Currently, there's no official ban on opening new accounts, but banks are exercising caution. Many are rejecting applicants citing ambiguous intentions, affecting tourists and others holding short-term visas. Banks are also empowered to suspend existing accounts suspected of being involved in money laundering or other illicit activities.
Here is the story that I read:
Currently, there's no official ban on opening new accounts, but banks are exercising caution. Many are rejecting applicants citing ambiguous intentions, affecting tourists and others holding short-term visas. Banks are also empowered to suspend existing accounts suspected of being involved in money laundering or other illicit activities.
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77-foreigners-face-new-hurdles-in-opening-thai-bank-accounts/Henrik *****
Be aware there is a error in the start of the Aseannow article ( and several other copy - paste media with the same article with the exact same mistake )
A Thai Bankaccount has never been a requirement to get DTV, on the contrary it has been one of the big advantage over other visa, that you could get DTV as long as you could show 500.000 Baht equivalent in any bank anywhere in the world.
It has never been the intention that DTV visaholders should be in need of a Thai bankaccount.
A Thai Bankaccount has never been a requirement to get DTV, on the contrary it has been one of the big advantage over other visa, that you could get DTV as long as you could show 500.000 Baht equivalent in any bank anywhere in the world.
It has never been the intention that DTV visaholders should be in need of a Thai bankaccount.
Lucas **********
Old news....
Derek **********
lol. That has been the case since at least 2012.
Yet people have still managed to open an account on a tourist visa - without an agent!
Yet people have still managed to open an account on a tourist visa - without an agent!
Fred ******
@Derek *********
Complete non-sense. Even now, there is no regulation preventing a bank from opening an account for someone on a tourist visa or visa-exempt entry. The banks at the moment are choosing to not to open accounts. Once the crackdown on "mule accounts" has passed then the bank policies may return to normal.
Matthew *********
@Fred *****
I would expect most mule accts are coming out of china so why make all the future farangs suffer.Fred ******
@Matthew ********
It really comes down to xenephobia and the inability to have any kind of rational thoughs.Derek **********
There is no regulation stating that a bank must accept an indivdual on a tourist visa. It is at their own discretion.
Banks have been refusing to open accounts for those on a tourist visa since at least 2012.
Yet people could get refused at one branch of the same bank, walk 500 meters and be accepted at a different branch of the same bank.
Banks have been refusing to open accounts for those on a tourist visa since at least 2012.
Yet people could get refused at one branch of the same bank, walk 500 meters and be accepted at a different branch of the same bank.
Fred ******
@Derek *********
Again, this is complete non-sense. Bangkok bank had very clear rules about opening an account for tourists until recently. I opened an account with a visa-exempt several years ago by following their rules. No drama. Most branches are not very familiar with dealing with opening accounts for foreigners. So, it is best to deal with the main branch. Also, bank managers can approve opening an account if they choose. This was also clearly stated in their published rules.
Robert ********
And what about doing it without an agent?
I have never used one for anything here in Thailand.
They only take your money to either bribe somebody to get what isn’t legal. Or they just ask a lot of money for little work (e.g. 3000+ for driver license 🤣)
I have never used one for anything here in Thailand.
They only take your money to either bribe somebody to get what isn’t legal. Or they just ask a lot of money for little work (e.g. 3000+ for driver license 🤣)
Matthew *********
@Robert *******
3000 for driver license. That is chicken fee. Less than a hundred dollars for someone to handle all the stress. I would take that any day of the weekRobert ********
@Matthew ********
Stress? It’s fun. It’s a color, reaction and 3D test and 50(?) multiple choice questions that every farang driver can answer. Plus of course the very hard test in the oval with parking and stopping at a stop sign 😂😂
Robert ********
@Matthew ********
Oh yeah. I forgot that it all depends on the specific person. They don’t like your face, you can be Michael Schuhmacher and won’t get the license ;)Matthew *********
@Robert *******
nothing is ever easy in nakhon phanom
THAI ******************************
This information is incorrect.
We have no issues assisting with new Non-O visas or extending yearly Non-O-based visas.
The issue seems to be specific to Pattaya and possibly limited to a few agents.
If you need any assurance, feel free to contact our team via LINE or email:
LINE:
EMAIL:
We have no issues assisting with new Non-O visas or extending yearly Non-O-based visas.
The issue seems to be specific to Pattaya and possibly limited to a few agents.
If you need any assurance, feel free to contact our team via LINE or email:
LINE:
**********************
EMAIL:
**************
Alan *********
So basically if you don't have 800,000 of your own money you will not get or renew your NON-O Retirement visa !
Greg ***********
@Alan ********
you can still open a Thai bank account if you entered on a 90-days Non-Imm-O Retirement Visa. . . . . because most people need the 2-month seasoning of +800,000 THB in the first year in order to apply for the "1-year extension of stay based on retirement"
Alan ******
Fk me, wish I never asked. Next time you visit another country other than Thailand, as a TOURIST. For a holiday, open a bank account there, ??????
Brent *******
@Alan *****
I just did. Tourist in another country abroad in October last year. I opened an account and I am already transferring money there now ready for when I move and leave Thailand. 🤷♂️
Much easier laws - Much stricter due diligence….. but if all legitimate (as I am) it was simple!
Better retirement rules. And better visa rules for retirees and working visas too….
There ARE other countries that actually WANT your money and will encourage you to move there. Many!!!
Amanda *********
@Brent ******
Philippines? I'm being put off by all the confusing rules / laws / changes / dependant on immigration mood today jargon.. I was going to commit my life to Thailand in 2026 after a 8 year plan.. last 3 years I've felt unsettled with the decision as you never know what they will surprise you with next ! Also, it's not cheap to live there in terms of LT visa requirements (which are a ball ache in themselves), double tax on assets, housing is going up.. I love Thailand but the country makes me feel unsettled as it rewards the absolute rich (privilege visas etc, those making big investments in Thai companies) but the middle class is left behind now, or striving to meet the requirements just to stay in "the land of smiles"! They want the super rich now and get rid of all the middle ones who have paid into their economy for 20+ years and got them where they are today. I feel greed has taken over.. but they also have a few nationalities abusing the system which we all suffer for.
Jay **********
@Alan *****
there are people here who entered on tourist visa who are trying to switch to O visa and are required to open an account to do it...
Aaron ********
@Alan *****
I've been a tourist here for 15 years, so I have two bank accounts, it's easy.Alan ******
@Aaron *******
I've 3. 5555Aaron ********
Lol, I opened a Kasikorn Bank account on a visa exemption stamp just last week.
Paul ********
@Aaron *******
which branch?
Robert ***********
@Paul *******
After he tells you the branch ask him how many bank accounts he had before that.Robert ***********
@Aaron *******
Then you must be a miracle worker. I guarantee you that anyone can go to that branch with the same material and won't get it. What branch was it?Aaron ********
@Robert **********
I had one bank account before that, a Bangkok Bank I opened in about 2017.But it's makes no difference, the banks are not connected in any way.
All I took to the bank for a residence certificate from immigration and my passport...and my daughter as a cure sidekick.
It was easy
David ********
I read that agents will struggle to open accounts but farangs with long visas will be fine. Source Pattaya103.
Dan **********
Bkk opened on for me also
Scott *********
Bring cash
Scott *********
Tourist don't need a bank account . You only there short time
Gett ***********
@Scott ********
DTV is 5 years...
Rosslyn ********
@Scott ********
5 years is a considerable amount of time
Rabbe **********
@Scott ********
Is 3-4 months every year a short time ??
Ralph *******
@Scott ********
I stay for two months twice a year. A bank account would be very handy. But, it’s not available.Jay **********
@Scott ********
yeah. But people IN Thailand looking to switch to O retirement (not OA, which is obtained abroad) need a bank account.Koin ******
@Jay *********
O-X need thai account not non-O.Jay **********
@Koin *****
non O, obtained domestically, needs money in the bank
Geoff **********
@Jay *********
You can also get a non-o retirement visa overseas.Jay **********
@Geoff *********
doesn't fix the problem of people trying to obtain their visa domestically.Rok ********
Much easier to open non-O in your own country using home country bank account balances to prove the required economic solvency by the local embassy. Arriving to Thailand with Non-O visa should not be a problem to open a bank account during month 1 to season funds during months 2 and 3 before applying for first 1 year extension. Not sure why would anyone apply for non-O in Thailand being so much more complicated, cumbersome and prone to local IO’s interpretation of requirements.
Mel ******
@Rok *******
I tried to get my NonO in a different country where I had residency prior to my move here. Each time I went to the embassy, they found a reason to say no. I kept fixing what needed to be fixed and after 13 visits, they basically begged me to just deal with NonO when I reached Thailand since they would only give me 6 month multiple entry visa. Basically I was in a country where I think I might have been the first person to ever ask for nonO.Rok ********
@Mel *****
… it was a breeze at London Embassy ….very easy and fast after trying to organise it in Thailand (3 different IOs)Mel ******
@Nelly *****
Yeppie. I left my home country almost 13 years ago and I do not go backNelly ******
OP@Mel *****
I know exactly what you are saying. The apply in home country rules are a real pain for people who travel. Especially ones who hardly ever fly like me.Mel ******
@Rok *******
at the time I was working and living outside my home country and I was very far from my home countryRok ********
@Mel *****
it must be through home country embassy for easy process ( proof of address, ID, local bank account etc)Mel ******
@Rok *******
sadly my story was not based in your country
Steve ***********
Unless you’re Russian then no problem
Colin ********
@Steve **********
or Indian
Alfred ***********
@Steve **********
or ChineseGraham *******
Pattaya Mail: "The Thai government, via the Bank of Thailand, has officially launched a renewed attack on mule accounts in Thailand aiming to curb financial fraud and money laundering. Freezing a staggering 1.8 million bank accounts suspected of being mule accounts, the Anti-Money laundering Office says that 2,500 account holders have actually been arrested during the past year. Police enquiries are now centering on telecommunications companies, digital platforms, e-wallet service providers as well as actual consumers."
Alfred ***********
@Graham ******
so any chance once they frozen these millions of accounts I'll get money back from being scammed. Doubt it I'm sure the government will find an excuse to keep itGraham *******
@Alfred **********
they are seizing the assets of nominee company's!Graham *******
@Alfred **********
good!Alfred ***********
@Graham ******
I thought you said financial fraud scammers are financial fraudsters so they count in my book lol 😆
George *********
Yes that is the case, but what happens to active accounts that were opened in the past while being a resident? Can they still be used during a visit to the Kingdom?
Billy *******
Elite visa no probs
Tom ********
As far as I can read from the article it seems to be only temporary until they work through all of the 'mule' accounts and figure it all out, some 200,000+ accouts are being reviewed.
Brandon ************
@Tom *******
These crackdowns are always temporary and this one isn't even that widespread. It's mostly just Pattaya and the agents that open dozens or hundreds of accounts every week.Tom ********
@Bra****
Yes that may be the case as there are certainly more Asian tourists there than in HH >> Government officials are reluctant to give a timescale for the latest crackdown on foreigners trying to open bank accounts in Thailand. Tellers at Thai banks told Pattaya Mail that the problem might last for several weeks whilst investigations continue into fake websites, messaging apps, social media and individuals suspected of involvement in banking criminality. Some bank staff say that the biggest single issue involves Asian tourists opening bank accounts to launder cash into capital-flight cryptocurrency which is hard to track.
John *********
So you can get a bank account if you are on Non-O Immogrsnt visa.
But to get Non-O you have to already HAVE a bank account!
I did not realize I was supposed to get the non-immigrant visa when I was still in USA . Sorry I’m here on Visa exempt.
What do I do!
I will be able to meet the qualifications for a retirement visa
But to get Non-O you have to already HAVE a bank account!
I did not realize I was supposed to get the non-immigrant visa when I was still in USA . Sorry I’m here on Visa exempt.
What do I do!
I will be able to meet the qualifications for a retirement visa
Brandon ************
@John ********
For every country in the world, you are supposed to get the visa at the embassy BEFORE you travel there.If you're not able to open an account you will need to leave Thailand to a nearby country and apply for the non-O visa through the Thai embassy there, and then return to Thailand and use that visa to open the account.
Terry ********
@Brandon ***********
The Non-O visa is acquired inside Thailand. If he applied from the USA, he would have a Non-OA visa.Darrel *********
@John ********
yes this is the way wait times from embassy to embassy differs. You should check a head of time and see what documents they want. Most of my friends waited 3 to 4 days.John *********
@Darrel ********
problem is I am in Thailand now. I will be taking a trip to Cambodia for about five days in early March. Wondering if I should try to apply at the Thai embassy in Cambodia and get the non-oh from there or should I come back to Thailand and start a new 60 day visa exempt and try to get the non-o while in ThailandDarrel *********
@Terry *******
how you telling me what it is when i literally just did it. ************************************************************************************
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cc9c34f4141df3Terry ********
@Darrel ********
that’s a Non-OA. It’s different requirements. You have to get a medical certificate, background check and show proof of medical insurance.Darrel *********
@Terry *******
wrong you get Non O in USA for 90 days max then extend in Thailand for 1 year.Brandon ************
@John ********
There are no more embassy visits. All Thai embassies in the world are on the e-visa system now, and each embassy has their own requirements and their own processing time. You would need to check the embassy website to see what they say. I believe in Cambodia they say up to 15 working days processing time for all e-visas.John *********
@Brandon ***********
is that something I would be able to get the day I go to the Embassy? For example, if I fly to Phnom Penh, will it take many days to get it or will I get the visa that day?Brandon ************
@Jay *********
that's wrong. I literally just posted a photo of the non-O from an embassy. The only thing O means is "other". A marriage visa, retirement visa and volunteer visa are all non-O, and they are all available at your Thai embassy.Jay **********
@Brandon ***********
O is regarding the retirement visa obtained IN the country, and OA is regarding the one obtained abroad. They have different requirements.Brandon ************
@Terry *******
This is directly from the Thai embassy website in Washington DC. I also post screenshots to people often of how to navigate to the non-O inside the e-visa system. They even changed the name in the e-visa system to specifically say retirement, as it used to say pensioner.Brandon ************
@Terry *******
That's completely wrong. You can get either a 90-day Non-O or a non-OA from your Thai embassy. You decide which one you apply for. I'm not sure where that fallacy got started, but it has never been true.
Dany ********
@John ********
pretty sure that you could get the non immigrant visa via eVisa from your home country and it wont require a thai bank account. you would then have time to open the account for the extension where you will show the proof.
Stephen *********
@Dany *******
yes but that requires a return home.
Tin **********
How much agent
Naj *************
Good!
Alfred ***********
Yes scammers and money mules but why do the rest of us law abiding citizens always have to bear the brunt of ridiculous rule changes.
Joe **********
@Alfred **********
Coz if you're a tourist you don't need one! Anymore dumb questions?
Bryce ********
@Joe *********
so much is cashless now dude.
Chris *****
Due to scammers and money mules 😡
Tom ********
********************************************************************************************************************************************************************************************************************************************
*****
1?fbclid=IwY2xjawIewJdleHRuA2FlbQIxMAABHV7O3ZqhluA_CbjbDo-RA9-KIDMEN_tWZj9JTEeRMLZN73oHuyL-71x07g_aem_jiSzuLKZGIiKeyzpRlKFbQHenrik *****
Be aware there is a error in the start of the Pattaya mail article ( and several other copy - paste media with the same article )
A Thai Bankaccount has never been a requirement to get DTV, on the contrary it has been one of the big advantage over other visa, that you could get DTV as long as you could show 500.000 Baht equivalent in any bank anywhere in the world.
It has never been the intention that DTV visaholders should be in need of a Thai bankaccount.
A Thai Bankaccount has never been a requirement to get DTV, on the contrary it has been one of the big advantage over other visa, that you could get DTV as long as you could show 500.000 Baht equivalent in any bank anywhere in the world.
It has never been the intention that DTV visaholders should be in need of a Thai bankaccount.
Nelly ******
OP@Tom *******
thanks 🙏 I searched and didn't find anything myself.
Alan **********
It's not what you know , it's who you know 😊
Jon ******
Why would you go through an agent for a bank account as a tourist?
Nelly ******
OP@Jon *****
to comply with the visa conditions of having money or having income to apply for a visa.Jon ******
@Nelly *****
do you have to use an agent now? When I lived there I did it myselfNelly ******
OP@Jon *****
agent not 100% needed,,,, but you still need a bank account to get the visa. You need money in it or coming into it to get the visa.
Dave **********
Tourists visas have not been allowed to open a bank account for about a year now. That's with all banks
Greg ***********
@Dave *********
not true, until now, you were always able to open a bank account on a tourist visa using an agent, and sometimes you even could get an account opened if you bought an insurance plan from the bankJay **********
@Dave *********
and yet people still have been doing it, mostly with Bangkok bank, and with a condition such as buying their insurance package for 5-7k along with it.
Michael *******
Correct, as is the case in many parts of the world if you have no permanent address.
Patrick ********
@Dave *********
true
Arthit *********
Not every agent
Mine still 👌
Mine still 👌
Matt ***************
@Arthit ********
this man is legit! I will vouch for him. He help me tremendously.John-Paul ******
@Arthit ********
which one for you use?Dave **********
@Arthit ********
that's going to change.Id hate to get caught doing something illegal
Leong ***********
There’s a big crackdown on scammers and their use of bank accounts.
Ticha *****************
Yeah. I saw a lot of Thai people got their account blocked by bank and must provide proof of income. They can't open any new bank also as their ID is shared among other bank.
I think it would be now way harder for foreigner to get bank of short stay visa.
I think it would be now way harder for foreigner to get bank of short stay visa.
Jozef *********
For Sale: one current working bank account in Thailand
Toni **********************
I’m on a type O non immigration visa and I went to a few banks to open a Thai bank account. I managed to get one at Bangkok bank
Aslam ******
@Toni *********************
what is O non visa ?
Jeffrey **********
@Toni *********************
I assume you did that today because the new rules went into effect yesterdayNongnuch ********
@Jeffrey *********
she could still do it TODAY . . . . you could ALWAYS open a bank account on a Non-Imm Visaclass, and still can do. But at the moment NOT on a tourist visa or visa-exemptNongnuch ********
@Jeffrey *********
doesn't change anything of the fact that if you already got a bank account with your own 800,000 THB in it, you can apply for the next 1-year Extension of Stay Permit as usual without the help of an agentNongnuch ********
@Jeffrey *********
I actually was the first person who warned in this group a few days ago😂 because I knew about the changes that would come into effect . . and everybody laughed at me . .Jeffrey **********
@Nongnuch *******
You are aware yesterday new banking regulations went into effectToni **********************
@Jeffrey *********
No I done it a month ago
Damo ******
@Toni *********************
You opened a bank account on a tourist visa ?
George *******
@Damo *****
A type 'O' non-immigrant visa is not a tourist visa.Toni **********************
@Damo *****
No on a type O visa as I statedNongnuch ********
@Damo *****
you could ALWAYS open a bank account on a Non-Imm Visaclass, and still can do. But at the moment NOT on a tourist visa or visa-exemptDamo ******
@Toni *********************
😆😆 'as I stated 'Alan ******
Why would a tourist want to open a bank account, they don't live here, honest question. ??
Rod ********
@Alan *****
I am here for 3 months and every time I withdraw the max *****
baht from atm, I am charged 220baht plus my bank charges me for the transaction
Billy ******
@Alan *****
I have a bank account and come to Thailand every year for 3-4 months, it is so much more convenient to transfer money to pay bills and for spends plus no ATM charges.Ralph *******
@Billy *****
That’s why I want one but they are hard to get.Ralph *******
@Billy *****
Nice. I wish I had one. So convenient. And cost saving!Billy ******
@Ralph ******
I was lucky enough to get one a few years ago, when they were readily available on a tourist visa.Billy *******
@Alan *****
many long-term tourists began their time here as short-term tourists, hence wanting to get bank accounts, drivers licences etc.
Tony *********
@Al**
Alan what if a tourist comes here and decides to buy a property. Then they will need a bank account. I have known many such people including myself, but when I opened my accounts 20 years ago it was easy.Michael *******
@Tony ********
then he is no longer a tourist he’s a property owner and a lawyer will help themMichael *******
Times have changed banks will not allow “tourists“ to open bank accounts much the same as many other parts of the world.
Tony *********
@Michael ******
there is no such status as property owner. As a former sales and marketing director for various property developments in Phuket for 13 years I sold many properties to customers who bought them as tourists and remained as tourists and enjoyed their properties as tourists. But that was back in the day when you could walk into any bank and immediately open an account on a tourist visa with only a passport and some proof of address.Michael *******
@Tony ********
correct……Michael *******
You are a property owner not a tourist but split hairs if you wish - I had to close most of my foreign bank accounts in Dubai, Hong Kong, South Africa and New Zealand in past 5 years due to residency requirements - I keep my UK account by virtue of having a property there, and in Thailand for same reason…….don’t see why it should be an issue for anyone - hole in the wall serves the needs of tourists
Tony *********
@Michael ******
being a property owner doesn't change your Visa status.Tony *********
@Michael ******
if you buy a condo on a tourist visa then you're still a tourist.Alan ******
@Tony ********
yours is a better answer,Leong ***********
@Tony ********
, one does not need a Thai bank account to buy property; having a property would be reason to open a bank account.Leong ***********
@Nongnuch *******
, the buyer can transfer foreign currency for the purchase from an overseas bank account into the seller’s Thai bank account for the Thai bank to issue a Foreign Exchange Transaction Form…..of course this will depend on the level of trust.Nongnuch ********
@Leong **********
on the Land Office you need to prove that the money you use for the property purchase came from abroad . . that needs a bank account. Or would you transfer your money to the seller's account before the documents are not dusted & done on the Land Office ?
Marc ********
@Alan *****
Why would I come with 5000 USD cash and keep it under my pillow for a month or two?Honest question
Alan ******
@Marc *******
I was looking for answers, not questions, 40 million tourists visit Thailand every year, 35 million seem to manage with The hole in the wall, before you give me another answer which is probably another question, yes it costs 200 bht to make a withdrawal, big deal. I managed for 15 years.Nongnuch ********
@Peter ********
not always true. If you use a credit card that offers free withdrawals abroad (like my VISACARD offers!) the exchange rate of the credit card provider actually is a VERY GOOD rate. It would actually be a better rate than anything private money changers in the southern islands offer. My credit card account is always covered, I could theoretically withdraw three times 30,000 THB every 24 hours at a Krungsri Bank ATM and the only fee I had to pay would be the three times 220 THB
Peter *********
@Nongnuch *******
plus poor exchange ratePeter *********
@Alan *****
200bht plus a very poor exchange rate. I rent a place in thailand 10 years but only go there part time. Not being rich. I just find it easier to keep putting a bit of money in my Thai bank using wise. And getting a better exchange rateMarc ********
@Alan *****
But it costs me 500b for withdrawal plus a horrible exchange rate.Why would I be that stupid to not just open a bank account and bring money exchange it for a good rate in Thailand?
Dosn't matter if you wasted money for 15 years. Not everybody wants to do
Alan ******
@Nongnuch *******
nit picker *****
Nongnuch ********
@Alan *****
I don't want to nitpick, but it is 220.- Baht, not 200Dave **********
@Alan *****
Those that visit often on a tourist Visa would like to have a bank account so they can Scan and Pay.
Shelly ******
@Alan *****
when we come over to live in Thailand we will be coming over on the tourist visa as our visa agent advised extended up to 90 days and while on the 90 visa they will open us up a bank account ready for our retirement visa 🤷
Marcus *******
@Shelly *****
May I ask which agent you are using ?Marcus *******
@Shelly *****
Thanks Shelly👍Shelly ******
@Marcus ******
we spoke to Thai Assist in Chiang Mai.
Kevin *********
I have a retirement visa and 2 bank accounts. I renewed my retirement visa last week and no problem. I used Thai Visa Bangkok and very pleased with there service
Ryan ************
@Alan *****
condo purchaseLeong ***********
@Ryan ***********
, a Thai bank account is not needed to purchase property; in fact, foreigners need to remit money from overseas to register property in their name. However, banks will open a bank account for foreigners on the basis on property ownership.
Ryan ************
@Leong **********
yes I preferred the money from overseas to go into an account in my name in Thailand rather than a lawyer or property agents accountLeong ***********
@Ryan ***********
, the money can be transferred directly into the seller’s Thai bank account.Ryan ************
@Leong **********
yes remit money from overseas but it needs to go into an account. That's what the lawyers told me when I purchased a condo.Leong ***********
@Alan *****
“long term” tourists - to pay rent, utilities, use QR payments……Scott *********
@Leong **********
cashRobert ***********
@Scott ********
Thats not going to work to pay rent, electric and water billLeong ***********
@Scott ********
, how one use an Amex card to rent to a private landlord?Scott *********
@Leong **********
American express credit card world wide in my walletLeong ***********
@Scott ********
, with a bank account, I can do all these in 3 min anywhere in the world. There’s at least one food court that does not accept cash; only electronic payment.Nongnuch ********
. and still there are people (
@John *********
) who claim that you still can open a bank account on a tourist visa, if you only look hard enough until you find a bank that will open one for you 😂Marc ********
@Nongnuch *******
I would still try Bangkok Bank and look if they still open it if you buy insurance from them🤷♂️
Tim ********
@Marc *******
won't work any more, blocked as of today. Even Bangkok Bank now refused
Didrik *********
@Marc *******
I got turned down last week. Working visa and Elite visa will be able to open an account.Marc ********
@Didrik ********
You agreed to buy the insurance?Dany ********
@Marc *******
i got declined at Bangkok Bank everytime when i tried in the past 7 months with the DTV. its not the case that they will do the „insurance way“ anymoreNongnuch ********
@Dany *******
don't try to convince all those blockheads in the groups 😄😄
John **********
@Nongnuch *******
you can
Davide ********
@John *********
no, you can'tNongnuch ********
@John *********
Bank of Thailand "directive" . . where have you been lately? Still need something "official" ?John **********
@Nongnuch *******
nothing in that directive prevents the opening of genuine bank accountsGraham *******
Yes, I am reading the same. They are busy identifying "mule" accounts, these are accounts that have suspicious transactions or lack of and transactions. They are looking for money laundering accounts and nominee company accounts. Any account which is suspicious will be suspended by order of the gov. If you own a house in company name, they are looking for you.
*******************************************************************************************************************************************************
*****
4Charles ********
Someone has posted "foreigner can't open bank account now" every week for last 10 years.
Agents work contrary to the law, who cares what they say. Immigration isn't putting a hold non-o application.
Banks set their own policy. There is no law that say they can't. Each branch seems to make up your own policy, muchless each bank...and no, not every branch at every bank in the country all the sudden changed and became unified in anything thr last week.
Agents work contrary to the law, who cares what they say. Immigration isn't putting a hold non-o application.
Banks set their own policy. There is no law that say they can't. Each branch seems to make up your own policy, muchless each bank...and no, not every branch at every bank in the country all the sudden changed and became unified in anything thr last week.
Aikins *******
@Charles *******
I found out from two agents last month. Tourist below 50yrs of age can no longer open bank account. Agents can't even do it.Charles ********
@Aikins ******
I think you mean, you know two agents who can no longer fraudulently open bank accounts. Why are getting bank policy from an unrelated 3rd party? There has been no law changes, each banks set their own policy which is often varies branch to branch and day to day....it laughable to think they all sudden became unified 😂😂Aikins *******
@Charles *******
I am not sure about visa extension as I am on DTV and I obtained it myself. My comment was in regards to opening bank account. I did extensive research and found two reputable agents in Pattaya. I don't live there but I was willing to go there. They both said the same thing. So I gave up trying to open a bank account.Charles ********
@Aikins ******
the only way you can get a visa or extension, is by going to immigration and smiling for the camera. There are limited exceptions to this like being hospitalized (required documentation). Do the agents you are talking about get visa/extension without the person going to immigration? That should probably answer your question.... most agents and most things they do are actually fraudulent, doesn't means it well enforced or that you will get in trouble...but it is accurate.
Agents, lawyers, a lot of fraudulent services are offered here. Opening a business to buy land, open a business with nominees, "employees" as a service. Get a retirement visa without 800k baht.. how many decades were the volunteer give out under the table like candy?
Aikins *******
@Brandon ***********
and Yes, these agents are in Pattaya, very known and recommended. Possibly that discretion is taken away from the managers.Brandon ************
@Aikins ******
funny you think that, because Charles is exactly right. It's only the high volume agents that have been opening accounts by the dozens every week, mostly in Pattaya. Other agents are getting along just fine.Aikins *******
@Charles *******
I don't what you talking about, but it's funny you use the word " fraudulent ". Agents has these services posted all over the place and have offices. If they were fraudulent, they would all be arrested by now.Andy ************
@Charles *******
What's changed is the freezing of mule accounts, so agents can no longer provide the 800k required for extensions of stay. This has only occured in the last few weeks. I think bank staff have been told to stop taking bribesColin ********
@Andy ***********
Immingham offices will also suffer as they take backhanded from the agents they will soon get cheesed off if their monthly wage goes through the floor.Andy ************
@Colin *******
They always seem to have the shits about something whenever I go on there. I won't be weeping too much for the loss of their corruption money
Patrick ********
My agent in Pattaya told me today its very difficult rule change..
Matthew *********
@Patrick *******
there just pushing people to go Vietnam or Malaysia.
Agnieszka ************
True, we also asked at agencies and there is no way to open an account.
Dave *****
@David *********
doesn’t mean you will get to keep it. Banks can always close accounts. It’s in their Ts&CsGraham *******
@David *********
now be careful what you do with it because we are all now under surveillance.
Peter **********
@Graham ******
by the boogeyman 😳
John **********
Chris ******
@David *********
same here 2weeks ago 😅
Abhishek *******
@Chris *****
expect tax documents in mail soonChris ******
@Abhi****
i already hve my Tax # 😉 - am always prepared 🙏David **********
@Chris *****
same here 2 wks agoNaTa *****
I think its been like this for at least a couple of years now
Lucas **********
@NaTa ****
not at all..
Nick ************
There were also posts last week indicating that the tax situation would be relaxed due to a big drop in transfers in to Thailand last year.
Peter **********
@Nick ***********
Only for people with foreign investments.It’s not about incoming cash - It’s about generating more investments in Thailand rather than foreign.
So first they created tax ruling
********
to impose better taxation on results from foreign investments. Then they figured the ruling had an adverse effect because investors would simply keep their money abroad rather than investing it in Thailand.So now they relax the same ruling, but only for foreign investments, so it seems. Unfortunately leaving (some) expats like us in the middle.
Brent *******
@Nick ***********
I thought this might happen on a large scale…..Well , I stopped all transfers in to Thailand in Dec 2023.
I have paid tax abroad, I have sold my cars and properties. My money is sitting in bank and savings accounts and I have been retired for years…..
Since moving here over 12 years ago I have bought homes in Thailand, cars, employ gardeners and pool guys and maids etc etc etc. - but I am NOT bringing any more money IN to Thailand until I can see how this is all going to work out.
The Thai government has put the onus on to the foreigner to prove he has paid tax in another country….. not as easy as it sounds when I left the UK 20 yrs ago and lived elsewhere before settling in Thailand.
I have enough money to live on here but sick of them moving the goalposts and wanting to tax me on money that they freely allowed me to move in years ago and until recently was still allowed and ongoing….
Even if just a little bit, if 1000s of foreigners stop bringing lots of money in to Thailand because of these changes - which are a huge inconvenience - it MUST affect the Thai banks bottom-line some where, somehow.
The reverse for me actually, I am actively moving money back out of Thailand whenever I can. 🤷♂️
Just renewed my long-term visa this week and it is painfully obvious at immigration and the attitudes there that they don’t want me or my money here anymore, so I am looking to sell up and move after 12 years of loving this place.
There really are plenty of countries that make it easier to retire or move to than Thailand. (It has been great but enough is enough now!)
Ralphy *****
@Brent ******
how do you survive without transfersBrent *******
Nelly ******
OP@Ralphy ****
I'm sure many visitors in Thailand cannot survive without trans. Personally I use a hole in the wall service but it's 220 every time and sometimes it's twice a day. 😉Nick ************
@Brent ******
on the other point I renewed my long term visa recently too and the immigration officers could not have been more helpful. I changed from banked money to monthly payments.Brent *******
@Nick ***********
yeah sometimes you get lucky…..but we had an absolute pain in the butt this time renewing my retirement/family visas.
I think they were doing it deliberately.
Unbelievably bad experience with the jobsworths there!!!
Nick ************
@Brent ******
same here. If I want to bring in 3 million baht to buy a condo and 1.5 million baht to buy a new car that is 4.5 million baht that will not come to Thailand if I am taxed on it here.Brent *******
@Nick ***********
because the onus is in US to prove it is tax exempt (a hard and tedious task for me) it is very possible that the government will instruct all banks to retrospectively or actively in all remittances to simply deduct a taxable amount on all incoming funds until it is proven to have been already had tax paid by the owner. No hassle for the government or banks but lots for the account holder. 🤷♂️I have bought 2 cars brand new here….. and was recently looking at a new 3 mill car to replace my older one, that’s NOT going to happen for sure now.
Bare minimum for me in Thailand from now on and moving the rest back out.
Graham *******
@Nick ***********
I have seen these, however they only Mentioned Thai's not Falangs.Andy ************
Non-O visas can be obtained from an immigration office 😂😂😂
Nongnuch ********
@Andy ***********
actually YES, they can: a Non-Imm-O visa type can be obtained through the E-visa online system of the Royal Thai Embassies and Consulates worldwide, or inside Thailand on Immigration - if you fulfill the requirementsGraham *******
@Andy ***********
only if u have a bank account and u cannot get a bank account without a long term visa. Chickens and Eggs.Andy ************
@Graham ******
I still don't believe non-O visa holders will be stopped from opening a bank account providing they can supply proof of everything, such as long-term lease and passport with non-O visaNelly ******
OP@Paul ********
O visa is 90 days. OA is a year. According to the Thai UK website.
Paul *********
@Nelly *****
is that not a ao visa?Andy ************
@Nelly *****
Yes. 90 days during which time you open a bank account, season the 800k then get a 12-month extension.Andy ************
@Stephen ********
I'm Australian and I visit Australia twice a year so no big deal for me. I'm switching to DTV later this year so I'll be doing that from Australia as wellStephen *********
@Andy ***********
but you have to return home to do it.Stephen *********
@Andy ***********
because it means they don't have to return home and deal with that.Nelly ******
OPThis is the 1 year.
Non-Immigrant Type O- A (Long Stay) 1 Year/Multiple entries
Non-Immigrant Type O- A (Long Stay) 1 Year/Multiple entries
Nelly ******
OP@Andy ***********
Non-Immigrant Type O (Retirement (pensioner aged 50 or above with a state pension who wants to stay in Thailand for no longer than 90 days) - single entry only.Nelly ******
OP@Andy ***********
O is 90 days max.Andy ************
@Nelly *****
You don't need those for a non-O. You're thinking of an OA visaNelly ******
OP@Andy ***********
I'm not even sure my very expensive insurance meets their approval list. 🤷Nelly ******
OP@Andy ***********
medical, criminal record check and utility bills ... If you don't live in the UK super complicated. How exactly do I get a utility bill?Andy ************
@Nelly *****
Mine was Australia. Sent the forms and passport and got the visa after about a week. Nothing complicated at allNelly ******
OP@Andy ***********
how long did it take your easy application? I've not lived in the UK for 6 years so yep it's super complicated.Andy ************
@Nelly *****
I managed it. Far from "super complicated"!Nelly ******
OP@Andy ***********
doing in your home is super complicated. Doing it here official path in person or with agent was much easier.Andy ************
@Graham ******
Anyone coming here for retirement purposes should get the 90-day non-O from their home country. I've no idea why people want to stuff around making the switch from a tourist visa or a visa exempt. I've never been able to figure that outGraham *******
@Andy ***********
this has not been around for a day yet, let's see what happens. As its written if u have a non-o visa already you can open a bank account, if you don't you can't.
Peter **********
@Andy ***********
only available in your own Country I think ?Brandon ************
@Peter *********
No, it's only the non-OA that is restricted to your home country. You can get a non-O from any Thai embassy that will sell it.Peter **********
@Brandon ***********
I stand corrected Thank you
Wylie *******
@Andy ***********
pretty hard to get one if you can't open a Thai bank account to meet the financial requirements though.
Sean **********
@Wylie ******
I believe you need funds in the bank to apply for the Retirement visa and maybe the DTV visa. But not for the non-o which gives you 30 days to open the bank account and funds. To be held in the account for the retirement visa application.Sean **********
@Wylie ******
you are correct, I should have said ‘retirement extension’ instead of visa.I also did not intend to infer any 30 days grace period. I was referring to the 90 day non-o visa less the 60 day seasoning period. Re-reading Thai immigration website and confirmed that the seasoned bank account is suppose to be in to qualify for the non-o visa itself (and not just for the retirement extension)
Wylie *******
@Sean *********
there is no such thing as a "retirement" visa. What many refer to as the retirement visa is actually a non-o visa based on retirement. To apply for this inside of Thailand, and many other variations of the non-o including marriage one needs to have the money in the bank the day you apply. I have never heard of any office giving a 30 day grace period for this.Andy ************
@Sean *********
Non-O is a retirement visa
Bob **********
@Wylie ******
only a couple offices that require seasoning of funds to get one and Jomtien is oneBob **********
@Wylie ******
there are a few offices that require 2 months seasoning before you can apply for a non-o the rest require 2 months before the extensionWylie *******
@Bob *********
I'm not referring to seasoning of funds. For the initial non-o the funds need to be in a thai bank account in your name only. It doesn't need to be seasoned, with the exception you mention, but it does need to be in the bank before you apply.Andy ************
@Wylie ******
It's only the agency accounts which are affected. Legitimate applications for bank accounts won't be affectedHenrik *****
Be aware there is a error in the start of the Pattaya mail article ( and several other copy - paste media with the same article )
A Thai Bankaccount has never been a requirement to get DTV, on the contrary it has been one of the big advantage over other visa, that you could get DTV as long as you could show 500.000 Baht equivalent in any bank anywhere in the world.
It has never been the intention that DTV visaholders should be in need of a Thai bankaccount.
A Thai Bankaccount has never been a requirement to get DTV, on the contrary it has been one of the big advantage over other visa, that you could get DTV as long as you could show 500.000 Baht equivalent in any bank anywhere in the world.
It has never been the intention that DTV visaholders should be in need of a Thai bankaccount.
Stephen *********
@Andy ***********
if you change in country to a non O how is that affected?Stephen *********
@Andy ***********
you can't get one unless you have a visa. You can't get a certain visas without a bank account.Robert ********
@Wylie ******
Yep. Thailand slowly adopts rules that are international standard. In 50 years it will not have any advantage over Italy or Greece except being hotter and having another food 😂
Robert ********
@Tom *******
The point is that they don’t have other sources than the agents. So what you linked doesn’t add any content that wasn’t known before. It isn’t useful to anybody because the OP contained the same information “agents say”
Graham *******
@Sean *********
no, it must be Thia bank account.Sean **********
@Graham ******
in that case and account with necessary funds in your home country will workTom ********
@Robert *******
Oh pardon me for it not being usefulful to you but I posted it for other people to read too., I'll speak to Pattaya mail and tell them to try better next time!Wylie *******
@Robert *******
I'm not denying that at all or saying Thailand shouldn't follow suit. All I'm giving is facts for how it has been in the past and what the Thai laws allowed. It was a very common practice for people to do because it used to be just as easy as getting the visa before coming. It seems that may no longer be the case.Graham *******
@Robert *******
I thought ypu had to present evidence to the embassy that you have an account. too early to make conclusions.Robert ********
@Wylie ******
In many if not all other countries it’s normal to enter with a visa from an embassy and not as a tourist and getting a visa in the country. As far as I know you can get a green card in the US. And you can’t get a B visa in Switzerland after entering the country either. Same for the EU.
Wylie *******
@Andy ***********
because several years ago this was a complete non issue. It wasn't any more difficult to do it in country than outside of thailand. Its only become a problem recently.Wylie *******
@Andy ***********
if you are applying for an extension then it means you already have the non-o in which case the banks don't seem to have an issue with opening an account. This is why it has been recommended for the last 1-2 years to get the non-o in your home country before coming to Thailand. When you apply for the non-o outside of thailand the financial requirement does not need to be in a Thai account, an account in your home country is sufficient. Once in Thailand you open the account right away and deposit the money so you can meet the 2 month seasoning requirement to get the 1 year extension.Robert ********
@Graham ******
and @Tom *******
Your Link isn’t useful. It only cites the agencies again. That’s no proof that the standard way of getting a long term stay is blocked: NonO from embassy, enter the country, open account.
Andy ************
@Wylie ******
I've never been able to understand why people just don't get the non-O before they get here. Surely that's an indication of their strategy?Wylie *******
@Andy ***********
that was my point. Years ago it was easy to open a bank account on a tourist visa or visa exempt. There is no actual law against and it is a requirement to apply for the initial non-o in country. Within the last year or two it has become a catch 22. You need the bank account to get the non-o, but banks also started requiring the non-o to open the account. That is exactly what this post, my comment and many posts in the past year are saying. Within the last year or so people had to start resortig to using an agent. Now it seems even that is not possible, leaving obtaining the non-o outside of thailand first as the only option. That or a letter confirming income from ones embassy, which many countries no longer offer. Again there is no current Thai law against a tourist opening an account and it is still a requirement to apply for the non-o in country.
Graham *******
@Andy ***********
take your bank book, if you have 800k since your first application, no problem, else enjoy life in the bangkok hilton.Andy ************
@Graham ******
That will be a good thing, but what about honest people who just want to get a non-O visa or extension?Graham *******
@Andy ***********
I suspect Imm will stop dealing with agentsGraham *******
@Andy ***********
I think the Pattaya mail is sufficiently trustable.Andy ************
@Graham ******
So nothing official from the government? Just the Pattaya Mail speculation. Somehow I just can't see it happening as immigration will have a meltdown.Graham *******
@Andy ***********
i have posted it but admin needs to review. i will dm.Tom ********
@Andy ***********
********************************************************************************************************************************************************************************************************************************************
*****
1?fbclid=IwY2xjawIewJdleHRuA2FlbQIxMAABHV7O3ZqhluA_CbjbDo-RA9-KIDMEN_tWZj9JTEeRMLZN73oHuyL-71x07g_aem_jiSzuLKZGIiKeyzpRlKFbQGraham *******
@Andy ***********
Of Course! *****************************************************************************************************************
*****
1Andy ************
@Graham ******
You have a link to that change? 😂Graham *******
@Andy ***********
the change was introduced today!Andy ************
@Graham ******
Totally true. A friend of mine did it just two weeks ago. Non-O visa, be breezed inAndy ************
@Wylie ******
Because people do it off a tourist visa or free entry stamp. Those who enter with a non-O have no problem. A drinking buddy of mine did it just two weeks ago. No issues at allGraham *******
@Andy ***********
not trueWylie *******
@Andy ***********
that's not at all the way it has gone the last several years or how this post sounds. Once upon a time you could enter on a tourist visa, open a bank account and apply for the non-o. I did it 5 years ago and even then it had started to be a hassle. There have been a ton of posts in the last year of people trying to legitimately open an account to deposit the required funds and being denied. Even after trying a bunch of banks and branches. They had to use an agency, not to bypass the financial requirements. Just to open the account.
Jet *****
Not even through agents?
OMG
OMG
Marcel *******
@Jet ****
If , then at the moment it is easier to do so in the regular way
William ******
@Marcel ******
still need the bank account though, yes?Marcel *******
@William *****
yes, of course
Bo **********
@Jet ****
haha.. Good No more broke Scames
Kevin *******
@Bo *********
what are Scames?Bob **********
@Jet ****
Probably be best to have your own funds nowStephen *********
@Bob *********
Bitcoin walletChris ******
I guess they tightened- there were post and comments last week that they will start today
Paul ***********
It was going to happen eventually..
Thailand signed up for and implemented CRS.. In line with the rest of the world... 👍
Next step will be requiring tax numbers for all existing account holders 👍
Thailand signed up for and implemented CRS.. In line with the rest of the world... 👍
Next step will be requiring tax numbers for all existing account holders 👍
Peter **********
@Paul **********
… because Santa said so… 🤣
Jon ***********
@Paul **********
so is there some recent news release or is this speculation?Andy ************
@Jon **********
Agents were posting yesterday they can no longer open bank accounts and subsequently any non-O visa extensions are postponedAndy ************
@Nelly *****
In various Facebook groupsNelly ******
OP@Andy ***********
where are they posting.....
Sue **********
@Paul **********
That has nothing to do woth tax or CRS. As a tourist you always have difficulties to open a bank account. But with a non-O visa it shouldn‘t be a problem.Pertti *************
@Sue *********
tourist isn't eligible to bank services here. Even Non immigrant visas need many times grease to the wheels..
Steve ********
@Sue *********
sadly, it’s affecting non-o as well. It’s a mess right now, but the word is, it should be cleared up in a few weeks. Thai banks are worried and that’s why they aren’t allowing it. Thai government hasn’t made it illegal. It’s the Thai banks.Dave *****
@Sue *********
it kinda does. I work for a bank. Once you do CRS, your KYC/AML requirements go up. Hard to do for tourists so most banks will just drop those customers.Paul ***********
@Dave ****
exactly you are classed as a high risk account under the KYC as you say
Dave *********
@Sue *********
not always. I opened two bank accounts with no trouble at all in 2001.Dave *********
@David *********
yes it was 24 years ago. I was responding to the post that said it was easier in the past. What did you think was happening?
David **********
@Dave ********
24 years agoAndy ************
@Sue *********
It'll only be a problem for those who previously used agents to forego the 800k in the Thai bank account. For others, no problemAndy ************
@Andy *********
Sounds right. Most Bangkok agency visas are processed in Khon Kaen and Trat. I can't believe people leave themselves open to these blatant scams
Andy **********
@Andy ***********
that sounds like one of the more dodgy agent visas, likely done in another province, I've only heard stories from people in Pattaya, and they all say they need to go to the bank with the agent, and also attend immigration for photos, for the retirement visa, they say around ฿30k for the first time, with it being 15 months, then ฿15k for the following 12 month extension of stay for every year after that.Andy ************
@Andy *********
I've never used an agent, but my understanding is they use various methods. A guy i know has his passport collected from his home and it's returned about two weeks later. He doesn't have to attend a bank or immigration office. He pays 30,000 for this service. My understanding is a fake bank account is created in his name which he never has access to.Nelly ******
OP@Andy *********
I should have done it last week...🤦Nelly ******
OPAndy **********
@Nelly *****
if you arrive on a 60 day tourist visa, or 60 day visa exempt, I have only heard of jomtien immigration, requiring two months seasoning of the ฿800k before the initial 90 day non O visa application, so you could do a 30 day tourist visa extension to give you extra time, I think many other immigration offices, only require the seasoning two months before the 12 month extension of stay, if you need to open a bank account but can't do it yourself, you would just need to contact agents, to see if any can still do it, because some of the well known agents in Pattaya, such as tik tok or mots, are currently saying it cannot be done at the moment, agents seem to deal with different Bangkok banks, in Pattaya anyway, so you might get lucky, and drop on one that can still get an account opened for you, a lot has changed in the last few weeks, you would need to get in touch, and see what the situation is as of today.Brandon ************
@Andy *********
Yes that's the normal process for an agent obtained visa that doesn't have the fundsNelly ******
OP@Andy *********
can't "season" it if your initial visa is 60 and you can't open an account in that time in any case. Even before this you'd not have 2 months.Andy **********
@Andy ***********
from what I've been told, you accompany the agent to the bank, the bank clerk fires the ฿800k from the agents account into your account, then prints a statement and maybe they also update your bank book, then they fire it straight back into the agents account, it sounds like it's all completed in a matter of minutes, it must just get over looked that the ฿800k, hasn't been seasoned for the two months prior to the application, I'm not sure.Andy ************
@Andy *********
The agent opens an account in the applicant's name into which they put the 800,000 Baht into. I'm sure they don't put that sum of money into the applicant's own bank account. They'd disappear real quick!Andy **********
@Andy ***********
I've never heard anyone suggest, agents have fake accounts before. 🤔Andy ************
@Andy *********
The accounts are fake and the bank books held by the agent. That's why agents are now panicking because they can no longer set up the bogus accountsAndy **********
@Andy ***********
as far as I'm aware, agents don't leave money in peoples bank accounts for a week or two, the person who wants the visa, they could just transfer it out, and do a disappearing act, and start a new life in Cambodia or Lao 😂Brandon ************
@Andy ***********
A week or so later? Try a few minutes later. Just long enough for them to get the bank statement printed.Paul ***********
@Andy ***********
exactlyAndy ************
@Paul **********
It could most certainly construed that way. A mystery bank account receiving 800,000 from an unlicensed agent, and the same 800,000 suddenly disappearing from the account a week or so laterPaul ***********
@Andy ***********
interesting point.. As I guess on paper this would look like money laundering wouldn't it ❓Paul ***********
@Sue *********
it has everything to do with it 👍Andy ************
@Paul **********
What they're doing is seeking tax residency status. Bangkok Bank requested my Australian tax file number about a month ago and also took a photo of me!Kim *********
@Andy ***********
the photo several banks requested about a year ago.
Paul ********
@Andy ***********
surely they’re not legally entitled to any foreign tax authority details. What are they going to do with your TFN?? They can’t get any detailsKim *********
@Paul *******
surely they are entitled to exchange information. That's the whole point with the crs.Paul ********
@Paul **********
I opened a bank account in November on a tourist visa. I was not asked any tax info. That is not to say that it may not come …
Luit *****************
@Paul *******
why should they not have the right to ask you for those foreign tax authority details? It is up to you if you give them, but if you not give them, they have the right to revoke your account.Matthew *********
@Frank *********
I figured it would be that way but on the other hand that income is not taxed at all so in their mind it could be free game. Main reason to always keep my money in the states. Better to safe than sorry
Frank **********
@Matthew ********
yeah I would imagine it would be the same with the VA. My understanding is that if Uncle Sam is paying it out every month it would be non-taxable in Thailand.Matthew *********
@Andy ***********
I have read the amended article a year ago and it was clear stating income earned inside Thailand which would basically be going after digital nomad. I love how so many take that and run and turn it into something different. Even watched a video from an attorney on Thailand basically say the same thing. Common sense would tell you there would be a massive amount of retired people fleeing.Matthew *********
@Frank *********
I was wondering how that worked with VA because we don't really claim it on taxes filed and it tax free and most people social security is tax free due to income treshhouldAndy ************
@Paul **********
Depends on the "untaxed income". All income I earn in Australia is already subject to taxation, with the exception of pension which is exempt tax in Thailand. I have to declare any income earned in other countries on my Australian Tax return. However, if this is already taxed in another country, I am allowed credits against Australian Tax. I used to own an apartment in Germany on which I paid tax in Germany. I declared the income on my Australian Tax return, which made it "liable" to tax in Australia, but as I'd already paid in Germany, this offset anything I would have had to pay in Australia.Andy ************
@Paul **********
Doesn't quite work that way in all situations. Because of my situation, although I'm a dual tax resident, I am deemed to be tax resident solely of Australia. In this case Australia is my taxation authority, and Thailand is out of the loop, except as I say for money earned in ThailandPaul ***********
@Andy ***********
no one has mentioned tax on worldwide income...I mentioned income remitted to Thailand, not the same thing...
If you remit untaxed income to Thailand you are liable for income tax in Thailand as a Thai tax resident except under very specific defined circumstances
Eg a UK civil servant would not pay tax in Thailand on his civil service pension as that is specfically mentioned in the UK DTA as an exclusion 👍
Paul ***********
@Andy ***********
never said it does..What changes is your tax jurisdiction on income ..
As you fall under multiple jurisdictions and you have to comply under all the jurisdiction.. In Thailand as a Thai tax resident.. Thai tax law takes presedence over Aussie tax law on any income remitted to Thailand
Its really is that simple..
Jurisdiction 1 = earn income and taxed remit to jurisdiction 2.. You are typically clearly of tax liability in Jurisdiction 2 by virtue of a DTA etc
Jurisdiction 1 income no tax paid remitted to jurisdiction 2 typically liable for tax, and jurisdiction 2. can legally require you to prove your tax paid on remitted income 👍
Andy ************
@Paul **********
The minor changes to Thai taxation does not affect the DTA. Under the conditions of the Australian/Thailand DTA I am deemed an Australian Tax Resident, therefore only Australia can tax me on worldwide income. Thailand can only tax me on money which I earn inside Thailand, and as I'm retired that's a big fat zero. If I was earning money here, I would have to declare it on my Australian Tax return, although I would be able to apply tax credits, but that's irrelevant anywayAndy ************
@Paul *******
It's tax-free over the age of 60Frank **********
@Paul **********
that rule does not rescind any part of the DTA. For instance as a US citizen my Social Security and Military Pension are untouchable by Thailand Tax Officials. Totally exempt.Paul ********
@Andy ***********
I hope you are correct. That works better for me. Btw, what banking authority checks on what cash is being drawn from an ATM in Thailand ?
Bob **********
@Andy ***********
Can’t with AmericaPaul ***********
@Andy ***********
it doesn't matter... You are under multiple tax jurisdictions now....No under the reinterpretation of the tax rule involving remittance of income and to Thailand which came into effect on 1st of Jan 2024, any income remitted to Thailand now falls under Thai jurisdiction..
Ergo if you paid tax on money remitted to Thailand in say Aussie .. No problem..
If you remit untaxed income into Thailand it's under Thai tax law..Aussie tax jurisdiction is irrelevant in this case..
Whether you earn the income in Thailand or not is irrelevant if you are Thai tax resident under the new interpretation of the rule mentioned above
Andy ************
@Paul **********
Not in my case as the DTA tie-breaker comes out in favour of Australian Tax Residency, although I am dual tax resident. The only money which Thailand can tax is from money I have earned in Thailand, which is zeroPaul ***********
@Andy ***********
it does if you remit income to Thailand and are Thai tax resident which happens after 180 days in country..Then the tax residency shifts from Aussie to Thai jurisdiction and in line with the DTA, ie if you paid tax in Aussie on income.. Remitted to Thailand, you will be good..
Remit untaxed money from Aussie to Thailand.. Then you are under Thai jurisdiction and liable for tax in Thailand on that untaxed income
Paul ********
@Andy ***********
what are the implications of aus super being tax free over the age of 65??Andy ************
@Paul **********
I don't know. I still retain Australian Tax Residency so my taxation affairs come under the Australian Tax Office, not Thailand RevenuePaul ***********
@Andy ***********
they would if you are remitting to Thailand tax free and are tax resident in Thailand 👍Paul ***********
@Paul *******
what you have to understand about CRS is it's mass data transfers... It's up to the receiving end to vet that data.. For example K-Bank has say 6000 British passport holders in Thailand.. That mass data goes to HMRC, it's upto them to vet it...Conversely British banks /HMRC has 6000 British nationals with accounts in UK and 4000 Thai nationals claiming residence in Thailand or accounts opened on aThai passport...
Your mass data passed to the Thai tax man to vet
HMRC have already tried a fishing trip on with me with my Singapore account.. But i am non resident in the UK for tax .. So politely told them to FO.. 😁
Abhishek *******
@Paul *******
they are if your country has any financial treaty with thailandAndy ************
@Paul *******
I'm not quite sure what super has to do with anti-money laundering regulations, but I'd hazard a guess and say your Thai bank wouldn't give a stuff about your super tax!Paul ***********
@Paul *******
they can find out easy enough.. 👍Paul ***********
@Paul *******
of course they are.. They ask for your tax numbers under every jurisdiction you fall under..You refuse.. You are classed as a high risk account for money Laundering or tax evasion and they close your account..a bank as a business can choose who their clients are
Paul ********
@Andy ***********
so they know your super is not taxed?
Shane **********
@Paul *******
data sharingAndy ************
@Paul *******
Under CRS banks have ability to exchange information, so my bank can request information from the Australian Tax Office to ensure I'm paying tax somewhere.Paul ***********
@Andy ***********
same thing happened in Europe years ago with offshore accounts, prove your tax residency or close your accounts, went through it with my Singapore accounts some years back under same threat... 👍
Tez ******
@Paul **********
already trying that onActivity
147 joined147
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