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Answered4 months ago

Can you open a bank account in Thailand on a tourist visa?

Jack ********
asked Jun 29, 2026
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Is it an actual Thai law that you can’t open a bank account on a Tourist visa or is it just bank policy?
Answer summary
In Thailand, there is no explicit law preventing tourists from opening a bank account; however, current banking policies heavily restrict such practices. Many banks follow guidelines from the Bank of Thailand (BoT) and international anti-money laundering (AML) regulations, which generally require customers to be residents with long-term visas. The new regulations focus on stringent Know Your Customer (KYC) checks, making it difficult for tourists to meet the necessary criteria. Even identity verification and proof of residence under your name are often required. While there may be specialized accounts for tourists, they are exceedingly rare and come with many limitations.
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Geert ********
Geert ********
UOB thailand is 99pct owned by UOB Singapore, if you have 2 Million bath you can go to Singapore and open the non resident account there, and if you deposit 10 Million bath, they will open your non resident UOB Singapore even in Thailand without the need to travel to Singapore
Geert ********
Geert ********
I meant uob singapore account
Geert ********
Geert ********
This was told by a UOB thailand wealth manager to me, its actually a backdoor to Singapore with much lower thresholds
Geert ********
Geert ********
Money talks baby. As soon as you show big amounts of money all doors will open, even in the LOS
Geert ********
Geert ********
The bank officer could be fired if they refuse to open for high net worth individuals
Jean-yves **********
Jean-yves **********
Pourquoi un touriste aurait il besoin d'un compte bancaire ?
GiftedPass***********
GiftedPass***********
Can a tourist open a bank account in your native country
Martin ********
Martin ********
As a tourist why do you need a Thai bank account?
Rud **********
Rud **********
There are policies in all countries getting a bankaccount

" just for fun "
Fpl ********
Fpl ********
Thank the Nigerians for this, way too many scam accounts owned my Nigerians to scam people
Radu-Petruț *******
Radu-Petruț *******
Quick question, which developed country on this planet lets you open said country bank account with no fixed address? In which country you can open bank accounts as a tourist?
Jeff ************
Jeff ************
There's a catch 22 . You can't apply for a non tourist visa, retirement etc. unless you have a certain amount of dollars in a Thai bank account. I found out it literally depends on the branch you walk into. Some refused me with tourist visa and one didn't.
Jack ********
Jack ********
OP
Jeff Mckendrick you can apply outside of Thailand. It’s only when you apply inside Thailand that you need a Thai bank account. Be careful spreading incorrect information boy
Nancy ****
Nancy ****
Jeff Mckendrick Hi jeff can you tell us wich one please?
Mike *********
Mike *********
If you want to open an account in Thailand, you need, as a minimum, a 90 days non-o visa, then you need to go to the immigration office and get a proof of residency, you may need to involve your landlord in that process, because they want photocopies and signatures of every little thing that they can think of
Gregory ********
Gregory ********
Standard banking practice—they allowed it now reversed it—same as the nominee issue😩😩😩😩
Tha****
Tha****
Policy
Alistair *******
Alistair *******
My understanding is that in the past 1-2 years Thailand formerly joined the international banking system.

A prerequisite for membership is that they had to tighten up the process for opening a bank account.

When I moved from Scotland to California in the Nineties I had to have a US Social Security number and ID card and a visa in order to open a bank account. You cannot open an account if you are a tourist.
Jason *************
Jason *************
Just use an agency.
GreyEle*******
GreyEle*******
Jason Bracegirdle word has it they might be able to open but can get frozen in the following months.
Jason *************
Jason *************
GreyElephant🐘 if you use a long established agent with good relations with there local immigration office, you should have no problem.
Culpepper *******
Culpepper *******
Jason Bracegirdle any good visa agent that is honest will tell you there is still risk.
Nesta **********
Nesta **********
Some Bank make special a count for tourist it is very limited. They is no direct law that say that tourist cannot get bank account saving but a lot of policy and regulations about, so the most important is the purpose : why do you need a Bank in Thai bank ?
Brad ********
Brad ********
Kbank tourist card is about as far as you can get on a tourist visa.
Christopher *******
Christopher *******
@Brad *******
can you tell more about the kbank tourist card as I'm normal in Thailand two times a year for 5 weeks visting
Brad ********
Brad ********
Christopher Evans
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Vladimir **********
Vladimir **********
Bank Policy
PurplePe*********
PurplePe*********
Yeah, if only some people didn't abuse the system and use it for money laundering
Tore *********
Tore *********
Just bank policy. No actual law. Its basically just a anti money laundering thing as the government has gotten more strict on that. And tourist bank accounts increase that risk. Or at the very least more paperwork hassle for them.

They are just covering their behinds. Which is why some of us was able to open accounts even with just DTV. But under very specific conditions and allot of paperwork. It is however almost impossible now without very specific financial profile.
Ant ***********
Ant ***********
No it isn’t

You just need a suitable Visa
Dave ********
Dave ********
It’s not Thai law, however pressure has been put onto Thai banks to thoroughly vet potential customers, this is due to a significant money laundering in Thailand. 12-18 months ago Bangkok Bank would be falling over themselves to give you an account, now BB suspends accounts every day with no explanation given. The vetting procedure that is acceptable here is having at least a 90 day visa, which the bank knows has been vetted by immigration. In addition you will need a certificate of residence, a Thai phone number. The other option is to pay an agent.
GreyEle*******
GreyEle*******
Dave Nichol it is not 90 day visa. They do not accept DTV which is 180 day stays and 5 year duration.

The branches will just say, you need non-O or work permit, no exceptions. This excludes DTV.
Dave ********
Dave ********
GreyElephant🐘Yes I’m fully aware that a DTV would not get you an account. He didn’t say he was on a DTV did he ?
Ally ************
Ally ************
By definition a tourist is someone visiting a country on vacation.. they are temporary visitors and therefore should not need access to an in country bank account.. why on earth would it be essential for them to open a bank account to enjoy their holiday.. and from the banks' perspective opening hundreds of thousands of accounts for tourists is not economical.. there is no profit in maintaining such accounts.. many of which become inactive or are under used.. with the added problem of contact information never being updated by the account holders.. who probably no longer see a need for the account after a couple of years.. but the banks are still obliged to include these 'non customers' in their reporting data and compliance audits.. if there is no intention to have a long term business relationship why should banks absorb the administrative cost of opening and maintaining an account for someone.. with the added risk of it being used for illicit purposes and the bank being accused of aiding money laundering.. which leads to significant fines and potential restrictions being imposed by the BoT.. excluding tourists is a big part of their anti ML protocols.. as well as being an effort to avoid unprofitable business.. or you could say it's simply common sense!
Pietro *******
Pietro *******
Ally S Inglish becaues some countries allow tourists to spend essentially the whole year in the country... thailand is one of them.
Ally ************
Ally ************
Pietro Romeo I'm afraid you are mistaken.. Thailand does not offer a 12-month tourist visa.. and neither does it tolerate entry via back to back 6-month tourist visa's obtained overseas.. Thai immigration is clamping down and ate frequently denying entry to many 'so called' tourists.. meaning those that have historically been able to live in Thailand most of the year by making repeated border bounces.. if the current 60-day visa exempt stay is not long enough they are insisting people apply for the correct visa!
GreyEle*******
GreyEle*******
Ally S Inglish DTV is an exception. Can stay for 180 days each entry and the visa lasts for 5 years. Many will essentially live in Thailand for 5 years and take a holiday every 6 months to maintain their 180 limit.
Ally ************
Ally ************
GreyElephant🐘 I agree that it shouldn't be treated as a tourist visa.. and don't understand why holders of a dtv cannot open a bank account without any issues 👍
Gerar ********
Gerar ********
So far I It’s a banking policy but guided by the government.
Jay *****
Jay *****
Most of the countries also do not allow opening of bank account unless you meet the specific requirements, work permit, permanent resident or specific visa like retirement visa. Tourist visa definitely no.
Chuck ********
Chuck ********
It is not an explicit law rather implementation of stricter banking regulations in response to a huge spike in scams and frauds using dubious bank accounts called ‘mule accounts’. Surely it is a law that the banks must comply with the banking regulations.

The new regulations force the banks to exercise strong KYC (know your customer) techniques.

People with tourist, visas, or stamps are typically seen as transient and difficult to track.

So not a specific law rather bank regulations that the banks must, by law, follow.
Malcolm **********
Malcolm **********
I don't think there an actual law but the thai government has called for a crack down on foriegners opening bank accounts to reduce the amount of scams and illegal businesses. So banks will now only allow you to open an account if you are on a long term visa plus if they find out you are not they have been freezing accounts and that's even worse as your money is locked into an account you can't access.
Deslea ********
Deslea ********
It’s sort of in between. My understanding is it’s bank policy, but not off their own preferences, but rather in response to unworkably burdensome compliance overheads and reduced access to the international banking sector if they don’t. There is a macroeconomic dimension to this - the WEF is working from all sorts of angles to rein in scamming and money laundering and a bank that doesn’t work in with international industry expectations can become very hamstrung in their ability to conduct everyday business.
Paul ********************
Paul ********************
What's the difference between a law, policy or directive in this case... Are you hiring a lawyer or something 🤣
Rory *********
Rory *********
Why do you want a thai bank account?
MagicalP*********
MagicalP*********
Buy a condo and you can
David ******
David ******
MagicalParrot6692 no you cannot
MagicalP*********
MagicalP*********
David Cook If you own a condo in Thailand, you can explain that you need a local account to:

* Pay common-area maintenance fees

* Receive refunds or deposits from the juristic office

* Pay utility bills

* Transfer funds related to the property

* Receive rental income (if you rent it out)

However, Thai banks are not legally required to open an account just because you own property. Their compliance and KYC policies still apply.

In practice, bringing evidence such as:

* Your condo title deed (Chanote)

* Purchase agreement

* Recent common-fee invoice

* Letter from the condo juristic office confirming ownership and address

can improve your chances, especially if you’re dealing with a branch that is accustomed to foreign property owners.
MagicalP*********
MagicalP*********
David Cook I could. Multiple accounts
MagicalP*********
MagicalP*********
MagicalParrot6692 my friends too
Daniel ******
Daniel ******
MagicalParrot6692 Da kann er 10 Condo kaufen und er kann trotzdem kein Bankkonto eröffnen. Dazu brauchst es andere Vorausetzungen.
MagicalP*********
MagicalP*********
Daniel Graf ich kenne mehrere Leute, die in Thailand nicht wohnen, aber condos haben und deshalb Konten eröffnen können.
Gerar ********
Gerar ********
Siam Legal claims a lot and they can do sometimes things for people.

But it’s not a legal way if they claim to be able to open a bank account when you buy a condominium.

Banks are doing audits on a regular basis and will freeze any account which does not fulfil the requirements.
David ******
David ******
MagicalParrot6692 You mean they opened them illegally via an agent.
Geert ********
Geert ********
Gerar Teuben yes there's a French youtuber marc bluersky la chaine de la verite with DTV and 1 or 2 condominiums in pattaya. He got his bank account closed by bangkok bank last year. It's all documented on his YouTube channel. On the other hand a lawyer called Anglo siam legal claims the bkk bank will open account if you're trying to acquire a condominium, so it's a very confusing, conflicting situation having a long term visa certainly helps
Gerar ********
Gerar ********
The regulations are changed recently and are much more strict.

Owning a condo does not give you right to open a bank account.

You have to qualify for the bank requirements like having a proper visa and address registration in Thailand.
Gerar ********
Gerar ********
Having a condo does not matter, it’s all about the type of stay in Thailand.
MagicalP*********
MagicalP*********
Gerar Teuben if you own freehold property, you have to pay bills and you are entitled to a bank account. The reaction should be more like.: who would be stupid enough to buy property only to get a bank account?
Gerar ********
Gerar ********
The bank unfortunately don’t care if you have to pay any bills because you bought property.

They only look at the guidelines and their own interpretation.
Melody ********
Melody ********
I think its hard because you need a 100 % ID to prove ur identity. You need a residential address too under your name.
Steve *******
Steve *******
Melody Suarez You don't need a residential address under your name.
Jack ********
Jack ********
OP
Melody Suarez what? Your reply makes no sense
Melody ********
Melody ********
You know Jack you can tell them what you think is right but to say that to me ? You are rubbish.
Jack ********
Jack ********
OP
Melody Suarez are you on shabu?
Jeramy ********
Jeramy ********
Again, as the question about opening an account comes up every week in some form or another… why do you need one?
Stephen *********
Stephen *********
@Jeramy *******
To deposit 800,000 baht in bank to qualify for a retirement visa
Jack ********
Jack ********
OP
@Jeramy *******
I think this went over your head son.

This definitely isn’t the same question. It’s about the actual law versus bank policy.
Graeme *******
Graeme *******
@Jeramy *******
obviously not a tourist
Michael ********
Michael ********
@Jeramy *******
Weekly think its multiple times daily
Lynnette *******
Lynnette *******
Michael Dawson you go to/use a bank several times a day as a tourist?
Michael ********
Michael ********
Lynnette Munoz on about question coming up not usage of account
SincereG*********
SincereG*********
I believe there is no bank in the world who would open bank account to tourists, unless it's monaco. There is some virtual banks who don't have branches where you can open bank accounts such as wise, monese, n26. But no bank with branches would do that.
Paul ********************
Paul ********************
James Smith when ❓
James *******
James *******
SincereGiraffe753 that's funny. i opened my thai commercial bank account on a tourist visa
GreyEle*******
GreyEle*******
SincereGiraffe753 non residents in Australia have bank accounts. They are only temporarily residing in Australia but banking is a fundamental part of life. It allows you to move money into the country electronically in a safe and cost effective way.

Sure someone on a 30 day visa has no need for a bank account.

But Thai government made a DTV visa which is a long term visa of 5 years but each stay is limited to 6 months which can be extended by a further 6 months.

I believe this visa should be allowed to open a bank account as people can stay in Thailand for more than a month or two and generally take out long term leases and buy transport, get licenses etc. When they leave Thailand they may keep their lease going so they can maintain their residence as they require a lot of essential personal items to live in Thailand.
Guz ********
Guz ********
SincereGiraffe753 I can assure you there are. DKB. (Deutsche Kredit Bank) will open an account for you irrespective of your residency. You do however have to be a German Citizen when applying from outside of the EU
Paul ********************
Paul ********************
SincereGiraffe753 well that's not strictly true, my main banking is in Singapore and have investments, credit card etc

And yes it's a brick and mortar bank one of the biggest in the world in fact

And I am barely a tourist in Singapore, definitely not a resident, work pass holder or Citizen 👍

So yes some jurisdictions will do it
ScenicB*******
ScenicB*******
SincereGiraffe753 I did in the USA. It was a while ago.
Weeraphat ******************
Weeraphat ******************
Theres plenty of banks around the world that accept tourists
Krazye******
Krazye******
Bank policy
Mary ********
Mary ********
Grey area. The reason they don't do it are the amount of scammers that used it as a foot in the door to money laundering. There are money laundering laws. The banks see this as their only way to protect themselves from crossing that line since most of those who opened accounts used to launder money did not have a long term visa.
Will ******
Will ******
Things tightened up last year. My account was frozen as the phone number didn’t match. Needed a new thai phone contract to get it unlocked
Marike **************
Marike **************
It's an AMLO directive worldwide that only official RESIDENTS can open a bank account in any country. Thailand slow getting on board with this - a policy they must enforce for continued access to global lending.
GreyEle*******
GreyEle*******
Marike Van Breugel I am in Thailand on a DTV. I am from Australia and currently have a house there but I will sell it later this year. I plan on spending most of the next 5 years in Thailand on the DTV. I will return to Australia once a year for two weeks to visit family and deal with any business affairs as required.

I will take other holidays to SEA countries to maintain my 180 day limit.

I will become a non resident tax payer of Australia once I sell my house.

I will become a tax resident of Thailand later this year when I hit 180 days in Thailand which includes 53 days I spent in Thailand earlier this year on visa exempt entry.

I have an ongoing lease, own a motorbike registered in Thailand, have Thai drivers licenses.

What is my Official residence?
Russ *****
Russ *****
Marike Van Breugel globalists priming us for centralised digital id and cbdc. That and getting us used to the idea that our money really isn't ours.
Richard ********
Richard ********
Marike Van Breugel Drivel.

There is no such directive.

FATF requires robust customer identification (KYC) and risk-based controls, not a blanket residency requirement.
Gray *******
Gray *******
Marike Van Breugel Thus not Thai law.
Marike **************
Marike **************
Gray Allen indeed it's not. But Thailand is facing blacklisting if they don't comply.
Charlie *********
Charlie *********
Out of curiosity, how many countries welcome tourists to open bank accounts?
Pietro *******
Pietro *******
@Charlie ********
i could open one without any issues on a tourist visa in vietnam.
Charlie *********
Charlie *********
Pietro Romeo Vietnam is an interesting example. I saw lots of comments when Thailand was freezing bank accounts (usually you just needed to update the phone number or your passport number or whatever, but people still refused to do that and got upset) that they were gonna go to Vietnam. Vietnam, in turn, has closed something like 85 million bank accounts in recent times
Paul ********************
Paul ********************
@Charlie ********
off the top of my head.. Singapore, Hong Kong, Dubai, the Caymans, Jersey, Isle of Man
Alexander *************
Alexander *************
@Charlie ********
Singapore, Luxemburg, Hongkong and many more even Russia
Charlie *********
Charlie *********
Alexander DThornerian Still seems to be more the exception than the rule. I've just always wondered why so many people come to Thailand as tourists and expect to be able to open bank accounts
Mikael **********
Mikael **********
@Charlie ********
Zero would be my advanced guess!
BC ********
BC ********
Mikael Olofsson you guessed wrong
Bryan ***********
Bryan ***********
@Charlie ********
There is no definitive list of countries that allow tourists to open bank accounts, as banking policies are set by individual institutions rather than national laws and change frequently based on internal compliance standards. Because banks prioritize residents and enforce strict "Know Your Customer" rules, "tourist" status is rarely an eligibility category. Instead, non-residents typically use specialized "international" or "offshore" accounts that often require higher deposits or in-person verification.

​The United States permits accounts for non-residents, though these often require a passport, secondary ID, and proof of a foreign address, and sometimes necessitate an in-person branch visit. The United Arab Emirates offers non-resident accounts frequently targeted at investors, which typically require an in-person appointment and high minimum balance thresholds. Singaporean banks may permit foreigners to open accounts, but this almost always requires a physical branch visit, a passport, and occasionally a reference letter from a home bank. Offshore hubs like Belize and Mauritius also facilitate non-resident accounts, which are often managed through specialized third-party agents and may involve higher administrative costs or specific business-related requirements. Thanks for asking 👍🏻
Brandon ************
Brandon ************
There's no specific law against it.

There is Bank of Thailand guidance that recommends banks not offer this service to tourists.

There was also a new law passed earlier this year that holds banks responsible for all scam and fraud losses. Banks are not willing to risk even a single baht of their own money on tourists, so they've essentially closed the option for them, and made things much more strict for others as well. Even Thai citizens are having their bank accounts frozen for investigations or suspicious activity.
Gray *******
Gray *******
@Brandon ***********
Guidance, not legislation? Peaceful individuals should not be denied a bank account based on guidance.
Donald **********
Donald **********
Gray Allen Says who? Who’s to say people are peaceful anyway? Could go from law abiding to raving lunatic on one ill advised blast of high THC shit!

Nice (not) cover photo BTW! Was that a before or after?
Lynnette *******
Lynnette *******
Gray Allen can't open one in UK as a tourist either. And near impossible in USA too. It's not just Thailand.
Phil *******
Phil *******
Gray Allen and where do you put as your permanent address in Thailand?

102 deckchair, between ladyboy and African, Beach Rd, Pattaya.
John **********
John **********
@Gray ******
it's part of the KYC/DD instructions handed down to all Thai banks from the Bank of Thailand so a bit stronger than just guidance.
Brandon ************
Brandon ************
@Gray ******
They are private companies and can decide who and who does not get an account. You think banks anywhere else hand out accounts that put their money at risk? Absolutely not. And based on the new laws, accounts for tourists are a DIRECT risk to the bank's bottom line. The ONLY thing they care about is profit. They don't care about you, same as any other company.
David ******
David ******
Gray Allen They do not have to explain anything to anyone
Richard ********
Richard ********
Gray Allen No, unless you can refer to a BoT directive, there is no requirement for a bank to tell you exactly why they refuse to open an account.
Brandon ************
Brandon ************
@Gray ******
I'm not sure what you're confused about. Every bank in Thailand has their official policy that says you're required to have a long term visa. What more explanation do you need than that? They don't have to explain themselves to anyone. A restaurant can tell you to leave and they don't have to tell you why. It's their business, their property.
Gray *******
Gray *******
@Brandon ***********
Then the company can ignore the BoT guidance? The bank needs to explain the reason for each denial.
Tevita ******
Tevita ******
Gray Allen banks are ‘guided’ by the Thai government… and as private companies, can and do make their own rules

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