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Answered8 months ago

How can I apply for a long-term visa in Thailand if I can't open a bank account?

Scott ********
asked Feb 28, 2026
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How can you apply for long term visa but they won’t let you open a bank account to deposit the required amount.

I’m married to a Thai
Answer summary
To apply for a long-term visa in Thailand when you're married to a Thai citizen but face issues opening a bank account, you should first obtain a Non-O visa from a Thai embassy in your home country. This process may involve proving financial stability, which can be done using a bank statement from your home country. Upon entering Thailand with your Non-O visa, you can then attempt to open a Thai bank account. This typically requires a residence certificate, a Thai SIM card, and valid marriage documentation. After depositing the necessary funds, you need to keep them in the account for a specified duration before applying for a one-year extension of your stay permit based on your marriage status. It's essential to follow the specific requirements of the local immigration office, as they can vary.
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Fred **********
Fred **********
for my long term, nonOA, not needed a bankaccount. Well, your 1st Non OA. Then I got very easy a bankaccount at Kasikorn.
Robert *********
Robert *********
There is a lot of comments and good advice here already

Get your non o visa from Thai embassy in your own country before you come makes it a lot more easier
Steve *******
Steve *******
You apply for the Non Imm O visa based on marriage outside of Thailand, no Thai bank account required
Nicholas ******
Nicholas ******
You can do it.... Barely.... With a tourist visa. I did this and know it is possible.

Get your Thai marriage certificates. There are two official certificates and you will need both for immigration.

Go to the immigration office with your wife to register your address (TM-30). If your wife owns the house she can certify it. If not you need to have your landlord complete it before you go to immigration. They will staple a small form in your passport.

I opened an account at Kasikorn bank. Take your wife with you, passport with certificate or residency and your marriage certificates.

The funds have to marinate in the account (no less than two months) before applying for the Visa.

Go to immigration and get your extension or travel out of the country and back while the funds marinate.

After the funds have been in the account for two months go to the immigration office with your wife, marriage certificates, passport, bank verification letter (available at the immigration office (don't trust the website as it may not be the correct form for your office), ten pictures (2 per sheet) of you and your wife at home together (one must show the house number and one must show the complete front of the house), translated copies of passport and birth certificate (and copies of the originals) and 1,900 baht in cash. You will need to sign the photos and all copies of your passport.

They will keep your passport and you will wait for up to 45 days for the Visa approval. Do not let your bank account drop below the minimum amount during this time. Immigration will send an officer to your house to take more photos and interview a neighbor to verify you live there.

Once approved it will be valid for 90 days. Then you at 60 days you will apply for the one year extension. Keep your money in the account while you wait for the Visa to be approved and returned to you.

Once approved you get to do your first 90 day extension at the immigration office but every check-in after that can be done online.

I may have missed a couple of things but that is the gist of it.

Good luck. It's not bad, just a lot of waiting.

There are forms you can fill out there. Let your wife complete them.
Stephen ********
Stephen ********
Nicholas Yuva I think you missed the events of last year which led to thousands of accounts being frozen. It is no longer possible to open an account on a tourist visa
Doug ********
Doug ********
Stephen HowellI even struggled when I had the 90 day non o. In Udon thani three banks refused before kgrunsgri opened my account. That was July last year, doubt it has got an easier from the news I see
Nongnuch ********
Nongnuch ********
Nicholas Yuva "With a tourist visa. I did this and know it is possible" . . . . . . sadly, you have missed the news. . . . It is not possible any more on a tourist visa or visa exempt entry, since February 2025, to get a Thai bank account opened. This means the "change of visa type" would only be open to citizens of countries whose embassies are still supplying an income affidavit. Not possible for citizens of UK,USA, AUS and Canada - they would need an already existing Thai bank accounts. These people need to enter on a 90-days Non-Imm-O Family Visa they have obtained outside of Thailand, because only on a Non-Imm visa type, they can get a bank account opened
Nicholas ******
Nicholas ******
Nongnuch Kamdee saw the news and agree it can be difficult but not impossible.

The income verification is for most visa applications, not the bank account and not a Marriage Visa. It is difficult but results vary from branch to branch.

My local branch has been extremely accommodating and even gracious when they had to change some outdated forms. Be polite, sincere and patient... And take your wife. Don't interrupt or grow impatient. Let your wife work with the bank employee. Thais help Thais and this will pay dividends.
Lee ***********
Lee ***********
I used an agency to do the initial visa and bank account to save all the trouble.
Mark *********
Mark *********
Use Agent
Dany ********
Dany ********
You get a visa via thai evisa system. Outside of thailand. you proof finances via your foreign bank account for that. 3 months visa… you come to thailand, get the 3 months stamp. you then visit a bank and open an account. then you transfer the money. before 3 months are over you visit the local immigration office and extend your stay for 12 months and repeat that every year.

alternatively you get the non-oa and have almost 2 years without money in a thai bank account. time to figure things out.
Harry ********
Harry ********
Use a legal company
Jean ************
Jean ************
Obtaining a bank account is not too difficult. But try to be recommended by a big client of a particular branch. There is still a recommendation form for that.
Nongnuch ********
Nongnuch ********
The 90-day single entry Non-Imm-O "family" visa and how to obtain a one-year extension of your stay permit based on being married to a Thai wife.

There is the "90-day single entry Non-Imm-O Family visa" option, which you can apply by the e-visa online system before you fly to Thailand.

You must provide a financial proof for both the 90-day visa and later at immigration for the application for a "one-year extension of the temporary stay permit based on being married to a Thai wife."

For the application to the initial visa, you EITHER have at least 400,000 THB (approximately $ 12,000) in a bank account in your sole name. In most countries, the e-visa application requires the upload of three months of account statements

(It is irrelevant for the visa application where the account is located – as long as there is a proof that the account is in your sole name)

However, when applying for the "1-year extension" from out of the 90-days stay permit you get stamped in upon entering Thailand, the 400,000 THB must have been in your Thai bank account for 2 months, and this “seasoning” must be proven with a "bank letter of guarantee" (in Thai: rab roong thanakan).

OR you use the income affidavit of your embassy in Thailand (only if applicable - as many embassies do not issue it any more. These are the embassies of the UK, the USA, Australia and Canada)

In case your embassy issues an income affidavit, you need to provide evidence of an income/pension of at least 40,000 THB (approximately $1200 USD).

For the application to the initial 90-days visa in your home country, you can use your original marriage documents.

However, for the application to the “1-year extension”, Immigration requires a Thai marriage registry printout - the Kor Ror 22 or 2 (whichever applies). This printout must be current, printed freshly by an Amphur office.

This is possible only if your marriage has already officially been acknowledged in Thailand. If you married outside of Thailand and your marriage has not been registered in Thailand, yet, you need to take action. It would require a legalization of your original marriage documents from the Thai embassy in your country that you are legally married, and this has to be co-legalized by the MfA in Bangkok, before you can register your marriage on the Amphur office.

The requirements may vary slightly between every one of the 85 Immigration offices in Thailand, this is why it is recommended to visit them right after you entered and ask for the list of requirements for the "extension of the temporary stay permit based on being married to a Thai wife."

What almost all immigration offices have in common is that they will only serve you if you have been properly registered at your place of accommodation via a TM30 registration.

Immigration normally will issue the "1-year extension of the stay permit" for 4 weeks "under consideration." They will ask for photos of the two of you together in front of your house, with the house number visible, a photo of you in the living room, in the bedroom, etc.

They will ask for a hand-drawn map of the route from your house to the Immigration office, or the Google Maps coordinates.

Some offices require not only the presence of your wife, but also of one witness.

Immigration will pay a visit at your home during these four weeks (with prior notice) and will question your neighbours about whether your marriage is "real."

After this visit, you visit Immigration and collect the stamp with your one-year extension of the temporary stay permit. (EOS)

NOTE: keep the 400,000 THB deposit in your bank account at least until you have gathered up the 1-year Marriage Extension stamp. You are free to spend the deposit, however the 400,000 THB need to be back in your account 2 months prior (some Immigrations ask for 3 months) to your next application for the 1-year extended stay permit.

NOTE: Always purchase a re-entry permit for your EOS.

A single re-entry costs 1000 THB, a multiple re-entry will be 3,800 THB.

The re-entry permit keeps your stay permit valid in case you leave the country. If you leave without a re-entry permit, your EOS will become invalid.

PLEASE use the correct terminology:

Technically spoken, there is no "visa extension", and the 1-year extension is not a “marriage visa”. Immigration does not extend any visa. That's technically not possible.

The use of this wording is improper English. You use the “90-days marriage visa” for entering Thailand, the visa becomes invalid. You will get stamped in for a 90-days stay permit. You then apply for a one-year extension of this stay permit. A stay permit is not a visa.
Jan ******************
Jan ******************
For an extension in Thailand, obtain a residence certificate from immigration and get a Thai SIM card. If that is still not sufficient, ask immigration for a written confirmation stating that you require a Thai bank account in order to apply for long term stay. Alternatively, you can be registered in your wife’s house book and apply for your own yellow house book to present to the bank.
Jim *******
Jim *******
Jan Kenneth Nesland Yellow Book may take a month+ to get. I had to get my passport copy certified by Australian Embassy in Bangkok (800 THB, on the spot). Then my attorney (not a visa agent, they do not do that) did other paperwork (involved Thai MFA to certify something). The attorney charged 15,400 THB.

Bangkok Samut Prakan city council. The council even paper mailed Australian embassy in Bangkok to confirm there were no claims against me. Only that took 30 days for Embassy to reply. No reply, all OK, but still 30 days wait. July 2025.
John ********
John ********
Jan Kenneth Nesland wrong approach these days !
Todd *********
Todd *********
John Massey I just went through it 3 months ago

Banks in the provinces make it difficult

Needed evisa, immigration letter, TM 30, SIM card, yellow book, Thai ID, MFA translations of birth and marriage certs, passport certified by Australian embassy, and finally a Kor Ror 22
Jan ******************
Jan ******************
John Massey If you believe the approach is wrong, feel free to explain what has formally changed. Bank compliance has become stricter, yes. But residence certificate, proper address registration, Thai SIM, and in some cases written confirmation from immigration remain standard practical solutions used successfully across multiple provinces. In addition, registration in a spouse’s house book and obtaining a yellow house book is still accepted by several banks. Practices vary by branch and province. A categorical “wrong approach” is not a substitute for explaining what specific regulation you are referring to.
Tanachanan **********
Tanachanan **********
Need to apply non O visa outside Thailand first they will give you 90 day can do online . After visa granted you will get e- visa to enter Thailand and you can use that E visa for open bank account .

And before your 90 day visa expired you can apply 1 year non o long term visa at immigration where you are living.
Nongnuch ********
Nongnuch ********
@Tanachanan *********
Please mind your terminology.

“And before your 90 day visa expired you can apply 1 year non o long term visa at immigration where you are living.”

*** the 90 days VISA expires when he enters Thailand, it becomes INVALID when he enters

*** when he enters Thailand, he will receive a 90-days STAY PERMIT

*** up from 30 days before the 90-days STAY PERMIT expires, he can apply for the extension of the STAY PERMIT

*** the 1-year extended stay permit is NOT a 1-year long term VISA.

It is not even a VISA. It simply is a “1-year stay permit”
Warwick ******
Warwick ******
Nongnuch Kamdee Incorrect! From receiving the 90 day nonO Imm O visa you have 90 days to arrive in Thailand. On the day you arrive in Thailand the 90 day Visa period commences. You then open a bank account within the first 30 days (and deposit the required funds). This gives the funds 2 months to "mature" to enable applying for a 12 month extension to the 90 day Visa as it expires.
Warwick ******
Warwick ******
Nongnuch Kamdee In my numerous years of planning for my wife and I to relocate to Thailand in retirement I have never heard of a "stay permit". Never been presented as an "option" on any Thai Embassy/Immigration website, arisen in any conversations with Visa Agents nor appeared in any Facebook posts relating to this subject prior to your post today. Yes indeed I am now confused.....🤔
Stephen ********
Stephen ********
Warwick Cook When you arrive in Thailand you get a 90-day entry stamp which becomes your permission to stay. The actual visa can expire, but it's no longer relevant, as you are now under the jurisdiction of the entry stamp
Nongnuch ********
Nongnuch ********
Warwick Cook 😂😂😂😂😂 it is always the same confusion - people don't know the difference between a visa and a stay permit
Nongnuch ********
Nongnuch ********
Warwick Cook You know next to nothing, you have absolutely no clue how visa technically works.

“From receiving the 90 day nonO Imm O visa you have 90 days to arrive in Thailand. On the day you arrive in Thailand the 90 day Visa period commences”

*** WRONG!

YES, from the date of issue onward, you have 3 months to use the visa for an entry.

On the day you ENTER on the Non-O visa, you will get stamped in for a 90-days “ADMITTED STAY” which is not a visa but a stay permit

“You then open a bank account within the first 30 days (and deposit the required funds). This gives the funds 2 months to "mature"

****That’s the only correct knowledge you are presenting!

“to enable applying for a 12 month extension to the 90 day Visa as it expires”

*** this is total rubbish. The 12-months extension is an extension of the STAY PERMIT.

The “visa” you entered on is already “USED” or “invalid for further use”. How would you “extend” a visa that does not exist anymore? Buriram Immigration, correct wording!
John **********
John **********
You apply for the visa matching your purpose before you travel to Thailand, Normally either a 90 day Non-O visa based on marriage or retirement. You travel to Thailand open a bank account, deposit the required funds for 2 months then apply for a 12 month extension of stay. To open the bank account you will probably need a residence certificate from your local immigration office and a Thai SIM registered against your passport. If you are taking marriage route and didn't get married in Thailand there are some additional hoops to jump through
James ************
James ************
@John *********
good advice.
Lynnette *******
Lynnette *******
What visa are you on? Or did you enter exempt of visa?
Nigel **************
Nigel **************
Start the process in your home country with a Non O visa application.
Andrew ********
Andrew ********
Nigel Q. Reynolds you can go Laos and apply for the non O if you are already in Thailand. I did this at the Thai embassy in Savannakhet
Nigel **************
Nigel **************
Andrew Bright don't tell me tell the OP. I live here 😉😉🤣🤣
Brandon ************
Brandon ************
You don't need a Thai bank account to purchase a visa from a Thai embassy. You just need to show proof of funds from any bank account you have. Visas are meant to be purchased before going to a country.
Russell ***********
Russell ***********
@Brandon ***********
it has to be in a Thai account, certainly the British Embassy has stopped any paperwork helping anyone confirm their oversea finances
Brandon ************
Brandon ************
@Russell **********
the British embassy plays no part in it. You use the e-visa system from outside Thailand. They only request a bank statement, any bank statement.
Graham ******
Graham ******
Raymond Kelman to obtain a specific visa to get you entry to Thailand for x days with the possibility of extending your stay
Raymond ********
Raymond ********
@Brandon ***********
explain in simple terms the role of the e visa
Nongnuch ********
Nongnuch ********
@Russell **********
no, the funds can be in his British bank account and used to apply and obtain the initial 90-days Non-Imm-O visa. He enters Thailand, gets a bank account opened and transfers the funds from his UK bank account to his Thai bank account

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