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Have accounts at Bangkok Bank been frozen for users not having the banking app?

Bangkok Bank Account Freezing KYC Regulations Expats in Thailand Banking Issues Visa and Banking Customer Experience

Oct 12, 2025

2 days ago

Roger ********

ORIGINAL POSTER

Trying to get a feel for the Bangkok Bank issue. Has anyone, not having the banking app on their phone, had their account frozen?

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TLDR : Answer Summary

The discussion revolves around experiences with Bangkok Bank and whether accounts have been frozen for users not having the banking app. Several commenters shared their experiences; while some reported no issues with their accounts despite not using the app, others suggested that banking app issues might be related to problems with account access. Comments highlight a limited number of frozen accounts, questioning the extent of the issue and the role of Know Your Customer (KYC) policies.

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Walter *************

I opened an account 3 years ago on a tourist visa via a lawyer firm and are still using it.i dont have the app.

a day ago

Roger ********

ORIGINAL POSTER

There's no apparent consistency. I cannot work out what criteria they are using to freeze accounts.

21 hours ago

Steve ********

@Roger *******

Suspicious activity. I have the banking app on three different accounts, one with Bangkok Bank. I have had zero issues.

20 hours ago

Reply to

Steve ********

Roger ********

ORIGINAL POSTER

This Facebook Group has over 100,000 members and from the replies 3 have had their accounts frozen without using the banking app. If the requirement that banks check their customers is correct, the number ought to be rather higher. Not sure that I've learned very much, other than KYC isn't a fast food establishment ;-)

a day ago

Bent *************

I haven’t and I have had my account for 22 years and am satisfied!

But then I never made anything suspicious or tried to whitewash money!

2 days ago

Robin *******

@Bent ************

I think you hit the nail on the head, you straight with them they straight with you, I have never had any problems in Thailand with my marriage visa or my bank,

a day ago

Reply to

Robin *******

Roger ********

ORIGINAL POSTER

Three comments in 5 hours, suggests that the banking app underlies the BB problem. I personally have had no problems with BB. I hope that remains the case.

2 days ago

Todd ********

@Roger *******

proper LONGTERM visa, property if possible and thai sim registered in your name. Then there’s no issue pop into the branch and verify everything.

11 hours ago

Roger ********

ORIGINAL POSTER

Contrary as I am, and despite having all those, I feel inclined to wait and see. I'm only using the account to store my lump sum for visa extension purposes, so a freeze won't cause me any issues. I'm rather fascinated to see what happens.

6 hours ago

Reply to

Roger ********

Paul *********

@Roger *******

I disagree . Not that I have insider knowledge.. You'll see countless posts across FB groups saying if you did not use an agent or did not open a/c on a visa exempt or tourist visa your a/c will not be locked . That's vehemently disputed by companies that have daily dealings with BKK bank .

My advice would be to visit your branch & update your KYC information which has nothing to do with the app .

I failed to follow my own advise & my a/c is locked

2 days ago

Roger ********

ORIGINAL POSTER

@Paul ********

KYC information?

a day ago

Paul *********

@Roger *******

I think you're joking if you've made a thread about banking & not know what KYC is .

But I'll play along to humour you .

The BOT (Bank of Thailand) have instructed all banks to rigouressly update & implement their Know Your Customer (KYC) procedures to mitigate fraudulent & illegal activities.

KYC is implemented by all banks worldwide . Your KYC information will be passport number , address , phone number , reason for opening account (ie visa status ).

Those that have had their accounts locked are required to go in branch to verify all of the above KYC information is up to date & meets their current criteria

a day ago

Roger ********

ORIGINAL POSTER

Fascinating. I didn't know KYC (sounds like a fried chicken establishment). I popped into my bank a couple of weeks ago. They said nothing.

Steve ********

Paul *********

555 .Yes it sounds like a fried chicken franchise.

Thailand banks are the same as my home country bank accounts & investments . They have KYC protocol & I know full well it is my responsibility to keep that information up to date

a day ago

Reply to

Paul *********

Garrett ***********

I don't think my account is frozen, just lost the app because of my phone number and don't care enough to fix it yet.

2 days ago

Cas **************

Yes my husband and I now both unlocked

2 days ago

Roger ********

ORIGINAL POSTER

@Cas *************