How can I demonstrate having 800,000 baht in a Thai bank for my visa application without being able to open a bank account in Thailand?

April 19, 2024
5 months ago
Yorgos **************
ORIGINAL POSTER
How can I show them I'm having 800k in a Thai bank from 3 months before applying, when I can't open a Thai Bank account?
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TLDR : Answer Summary
If you're unable to open a Thai bank account but need to show 800,000 baht for a visa application, there are a few options: 1. Obtain the correct visa before entering Thailand; it's generally easier to open a bank account with a long-stay visa. 2. Use an agent who can assist with opening a bank account on your behalf. 3. Different banks have varying policies, so try multiple locations, especially those known for dealing with expats, like Bangkok Bank. A residency certificate from immigration may help in opening an account. It's crucial to comply with requirements regarding the source of funds, as some banks may need to verify that the transfer originated from abroad. This process can involve some legwork, but many expats share similar experiences and have found ways to navigate these challenges successfully.
Art ************
Your best bet is to spend your money and use a Visa service. The service I used I gave them all the proper paperwork on Tuesday by Friday I had my Visa approved and in my hand. You're wasting your time if you think you can open a bank account on your own. You will get the runaround from the Thai people.
Martyn **********
Long stay visa

Yellow House book

Pink ID card

Takes a bit of effort but the answer is all there.
Bill ********
*****
baht, bank account, visa O, drivers and motorbike license. Whats the problem?
Bill ********
You can put the money in my account and since my account is over three months old it wont matter.
Jack ******
Pay agent, no problem, about 5,000BT
John ********
Is there anywhere in Thailand other than Sin city, Bangkok, CM., and Hua Hin?
William ****************
Go to Nan Services in pattaya.great visa lady....
Scott *******
As already stated, it’s not an easy task and almost impossible in most places. If you can afford, I wouid suggest an agent for the first one. Otherwise you will be stressed to the max 🤪
Phil ***********
Take a stack of baht, then leave the centre of bangkok, head to the burbs a few stations along the way on the tube. Go in every bank along the way and tell them you need to deposit the money to buy a condo or car. Savings account in minutes.
Greg ***********
@Yorgos *************
visit an agent, they can open a bank account for you on a tourist visa, and some even manage to open an account for you on a visa-exempt entry . . my recommendation is
@Stefan *******
and his F.S. consulting Co. in Pattaya. He will be pleased to open a bank account for you for 5000.- THB and no requirement for an unnecessary insurance
Brooke ******
I had been refused 2 applications because I did not have the account for 1 complete year!!!!! I had 800,000baht showing 10 months straight months with no changes but i was still not accepted. Hopefully next year I will be fine.
Ochola ***********
It's puzzling and annoying! LOL
Bill ********
She can help.
Bill ********
Beverly **********
I used my US Retirement Account and came over on an O-A visa.

Stayed for nearly a year, and before I left back home, opened two bank accounts, one with Bangkok Bank and one with Kasikorn. Then left during the pandemic, but have been sending $$$ over to those accounts regularly. I'll return in a few years, fully-funded in the Thai accounts and can get an O visa then.
Christian *********
Try some Bangkok bank branches , one will open for you. Go to your embassy first and let approve your passport copy ( I know makes no sense if you have the orginal passport with you anyway but they want have it ). Even if 3-4 places reject you, try more.
Darnell ******
Scb
Dan **********
Bangkok bank is a good one. I have my account there
Dieter *******
Ive been coming to Thailand for some years now and used to live here on a retirement visa..I’m currently here for 4 weeks and have noticed a.big difference in the cost of things and government red tape…My Thai wife and I own a villa here still..but to make money I’ve had to return to my home country..

If Thailand is not going to join the 21st century of streamlining its approach towards foreign visitors and expats its economy will suffer,local businesses will suffer as foreigners are finding other South East Asian countries more user friendly e.g. Vietnam …Phillipines …to name just a couple…

Vietnam although essentially a Communist country..has found a way to attract foreigners and the dollars 💵 they bring with them a boon
John ******
It's best to get a visa agency, they will take care of that for you.
Alan *********
Agent will
Jamie ******
Bangkok bank will do it on a tourist visa. Just had to go to Bangkok and find one, sukumvit around 11
Geo ******
Go to a bank and tell them you want to open an account "for the purpose of buying a condominium" I did that and walked out with a debit card and bank book 15 minutes later
Yorgos **************
ORIGINAL POSTER
@Geo *****
, remember the bank's name and address?
Geo ******
Bangkok Bank head office in Silom. They asked my budget I said I was looking at around 15 million baht and wanted to be able to pay a deposit immediately if I found what I was looking for. I opened the account with 5000 baht
Hartmut ********
Man kann auch das Visa online beantragen, im Heimatland. Da muss man nachweisen das ich 800.000 Bath (Gegenwert) auf meinem inländischen Konto habe.
Stephen *********
Best to apply for a 90 day non 0 visa from your embassy. That gives you the time to open an account in one month and hold the 800k funds to meet the requirements for a 12 month extension. Good luck
Colin ***********
Would the 800k be classed at taxable amount for foreigners residents?
Brown ********
You must be on a tourist visa. You gotta go branch hoping to find one that will accept you're doing it for retirement purposes. I still have little understanding why a bank would refuse a customer just because he's not in a long stay visa. It's still all money for them but I guess it is Thailand and their must be reasons for it
Inge ************************
Spend all inn one Bar and send the bill 💸 picture to the embassy 🤘🍻
Chris ***********
Egg-Zack-ly !
Patrick ********
You need address in Thailand from immigration, passport visa at least 30 days remaining I asked yesterday Bangkok Bank.
Ann ************
For all those saying open an acct when you get there …. When applying for your visa you need to you already have the 800,000 in thai bank account

Proof of it is part of the application process
Christine *******
Take an agent. Best experience I had
Paul *******
Get the correct form from immigration and take to the bank of your choice.
Zabrina ******
@Praewpan ******
can help you! Are is awesome
Duane *************
I have never paid an agent to do anything I could do myself. Visa, bank account, driver's license. Simple things are not hard to do. Now if I get deported, hook me up
Brenton ******
I went to a visa agent in Chiang Mai in 2023 after getting sick of walking around banks and queuing up to be refused an account. One bank I didn't try and have been told since it's possible is the Bangkok Bank at Airport Plaza. I ended up paying a visa agents I think 1500 baht which included the initial bank deposit. It could have been more but not over 2000 baht I just don't remember the exact amount but I was surprised how cheap it was.

I then deposited the 800,000 baht and applied for the type O visa, then 3 months later had it converted to an extension of stay retirement visa. This was all done by Napa Visa in Chiang Mai. How I did it was coming in on a tourist visa exempt, went straight to the visa agent the next day and they started the process, first getting me a 30 day extension on my visa exempt to give me 60 days to get the type O and bank sorted. I think you need the 800,000 in the bank for 3 months to extend to the retirement visa not to get the type O. But I'm not 100% on that one.
Steve *********
@Brenton *****
...hello ....just a question please...

Do you need to show a certain amount going money going into the bank account every month ..

Thanks in advance
Brenton ******
@Steve ********
no you put 800,000 baht in to get your first visa extension. After your first year you can then show 65,000 baht a month going in instead of the 800,000 if you want. So you have to do I think 3 months before then 2 month after getting your first visa leaving the 800,000 in then you can withdraw up to 400,000 leaving 400,000 (you can't go under 400,000). From the first month of your actual retirement visa while you still have the 800,000 in start putting in 65,000 baht a month so when you apply for your next 12 month extension you have a whole 12 months record of 65,000 a month going in, they need to see your Thai bank records. From your second extension you now have the option of the 800,000 or 65,000 a month if you want. It's great if you're on a tight budget and have a pension coming in because the monthly pension can be all or part of your 65,000. I don't know if I'm making sense and don't take what I'm saying as all correct, seek professional advice, but I'm giving you the general idea. There's plenty of YouTube 'experts' and visa websites with all the information.
Steve *********
@Brenton *****
..thanks for your time....
Colin *******
The problem with this, as with so many other aspects of Thai regulations and rules is that they change all the time. Yes pre COVID and indeed up until Thailand became a signatory of the international bank data sharing in I think late 2022, maybe early 23, a set of rules applied. It all changed around the above date. In the Western would we would call it something like Know Your Customer, and it has been exceedingly difficult to open a new bank account almost anywhere in the world, without a pretty high level of documentation . So please peps no more posts about how easy it is to open an account Judy because you did x years ago. Can it be done on a tourist visa with more than 30 clear days, and a residency certificate from immigration ( not all offices will do these), and a friendly bank branch - yes, it is possible. How many taxi fares to different branch's? Maybe
*********
to an agent is cheaper and a lot less stress😉. Could the next person who posts about opening an account on a tourist visa please name the bank and the branch, and the date of opening as that would be a lot more helpful to those that are asking for help . thanks.
Jeff ********
Stop being a Cheap Charlie

Get an Agent
Javier ********
You can, just find a branch that let you open it. Say it’s for retirement visa
Ray ******
@Javier *******
no they don't care. 99% of the banks, you must have married visa, or 12 months education visa, or retirement visa. It's a clown show. Government is pressuring banks aswell, I think they don't want just q time holiday makers opening account, I get that, but they need to be more flexible
Sue **********
@Javier *******
I said that when I came here last year as Tourist, they anwered me I should first shoe the retirement Visa from my home country. I even had a one year rental contract + CoR. No chance…
Javier ********
@Sue *********
that’s why you should try different branches, each branch has different policies. If you are in Chiang Mai I can let you know one that will open the account for you.
Sue **********
@Javier *******
thx I live here now and with my non O retirement visa and extension. I could open a bank account with the visa.
Guy ******
Or your wife owns a home there helps
Edward ********
Get an agent, they will handle everything for you...
Ross *******
Bangkok Bank Hua Hin, on a 60 day visa . Easy
Kris *********
Walk into bangkok bank. They got an instruction paper from their main branch which points out that foreigners on a non immigrant O visa can open a bank account. Ask to see the instruction paper, and point to the line on the paper that says it. Sometimes a letter from immigration helps.
Greg *********
Because they want us to use agents
Gary ********
Thai visa express Soi 15 off such will do everything you want visa and bank account
Simon **********
Have you read or seen Catch-22?
Colin *********************
I understand most of the reasons behind the multiple visa rules and the difficulty and complication in trying to stay in Thailand (the TM30 requirements, the 90 day reporting, the re-entry permits etc). Many countries have even more complicated systems. But given one of the basic requirements is the bank account, I simply can’t understand why it is so difficult to open one. Why would a Thai bank not give an account to someone wanting to deposit money? Yes I know I will get abuse about not understanding Thai - but it’s just ridiculous to me - chicken and egg
Greg *********
@Colin ********************
all I need is a tm30 from the hotel? I am visa exempt but plan on getting and extention by applying for a 60 day
Brandon ********
I got a Thai bank account with Bank of Bangkok on a 30 day tourist Visa. I didn’t have any trouble at all in Pattaya
Dave **********
@Brandon *******
never heard of Bank of Bangkok! And been living here for 29 years!
Andi ***********
@Brandon *******
Did you have to buy insurance?
Brandon ********
Andi ***********
@Brandon *******
ok, do you live in Pattaya? You have to show residency in Pattaya?
Brandon ********
@Andrew ********
I got a letter from the room I was renting and that was sufficient. I don’t know exactly what it said as I can’t read Thai but whatever it was, it worked. If all else fails I know an agent you can use. She did a few of the guys I know
Andi ***********
@Brandon *******
ok, could you PM me the agent details , cost..tks
Janet **********
Each individual bank office makes up its own rules. Try many different offices to find one which will help you.
Krzysztof *************
Bangkok bank is the easiest . But visa makes things easy
Davide *************
Tu vai la digli volete un nuovo cliente ricco o no! Vedi che dicono in generale ogni banca nel mondo si cala le braghe pur di tenere i ricchi
Robert ***********
Keith ************
The banking rules changed in 2023, maybe about a year ago? So, anyone in here saying "It's easy, I did it" and it was from a year or more ago, is giving outdated advice.

Sometimes, an immigration office can help by communicating with a bank that you're applying for a long-term visa.

If it were me, at this point, I'd get an agent.
Jet ********
One more thing thai people like to work with Thai people  they’re much easier with them than they are going to be with you. I know it’s not fair but that’s the way it is in that country.
Jet ********
Are you gonna always hire an agency to do it? Trust me it’s worth a couple hundred US dollars you’ll spend for them to do it for you less aggravation for you
Jet ********
Always smile always be nice. Trust me I’ll get you a long way. You just have to accept the way that they do business and the way that the government runs in Thailand. It is completely crazy but like I said, just smile be nice as to please explain to you in detail just don’t lose your temper because then they won’t give you shit.
Jet ********
You need a rental contract also or proof of owing a condo bring those to the bank bkk bank is easier
Bill ********
@Jet *******
read what you just said.
Jet ********
@Bill *******
oooos owning sorry English teacher
Stephen ********
Bangkok Bank will open an account for a tourist on a tourist visa. Not sure about visa exempt as the bank stated there needed to be 30 days remaining on visa. Technically when you arrive visa exempt you would only have 29 days remaining.
Scott *******
@Stephen *******
are you sure. Last year I already had a Bangkok Bank account and tried to open another. I have a retirement visa and had to go to immigration to get a document to allow me to do this.
Stephen ********
@Scott ******
yes, you went to immigration for a residence certificate which can still be got on a tourist visa. I did it in November last year.
Scott *******
@Stephen *******
I have done it three times in the last four months 😂 but could not remember what the certificate was called.
Stephen ********
@Scott ******
yeah, the thingy from immigration 🤣🤣🤣
Scott *******
@Stephen *******
you are correct. Anything important like opening account, buying or selling cars or bikes you need one.
Peter **********
It’s well possible. First of all you don’t need to season three months before application, but two.

You travel to Thailand on a non-O visa with reason ‘retirement’.

Once arrived in Thailand you make sure you have an address of stay. If renting you will probably need assistance of the owner but I’m not sure about that.

You visit immigration and ask for a document stating your intention to ask for an extension before the non-O expires. When you explain that you need the document for the purpose of opening a bank account they will know which document you need. While there also ask them for a list of documents which they require for the ‘extension based on retirement’. The list varies form one office to another. The

Now visit the bank. Bangkok Bank is the most easy bank for incoming farangs. Don’t let them trick you into buying insurance or other obscure fees. You may have to visit a number of bank offices before you get the account.

As soon as you have the account (include a bank app on your phone - the bank people will assist you with installing) transfer money from your home country into the account. I have read the some immigration offices require that the transfers must evidence that they come from abroad, so you can not use Wise for this but must transfer from home bank straight into the Thai bank. Bangkok Bank will mark the receipt as coming from abroad.

This all can be done within the 1st two weeks after your arrival in Thailand. When ready, collect your documentation while waiting two months. In the end visit the immigration office with all required stuff and request your extension of stay.

It seems you will need an updated bank book, a letter from the bank and bank statements on bank paper, stamped by the bank. I’m not sure of this - This might only be necessary at the annual renewal of the extension.
Biff ******
@Peter *********
Good info! I'm coming may 5 on US passport. I can apply once I'm there, correct?
Peter **********
@Biff *****
You mean applying for the 90 day non-O visa. With purpose retirement you can but it’s much easier just to apply in your home country. Upon arrival visit the immigration office for a residence certificate (you need the house owner with the house book to accompany you). Then go to the bank.
Biff ******
@Peter *********
Retirement visa yes. I am leaving May 5, so I may not have time. I thought I had an agent that I knew previously, then she said $2500 for visa and bank account. A friend there said that's a rip off. So here I am. Lol
Peter **********
@Biff *****
That is definitely a rip off. Get your 90 day non-O when you are there and have a place where you will stay. Then get the residency certificate and finally go open the bank account.

Note that nothing is ‘standard’ in Thailand so just simply ask immigration what their local requirements for each step are. They appreciate it when people come well prepared.
Biff ******
Scott *******
@Peter *********
good advice Peter. One small mistake though. I use Wise and it shows as an International Transfer.
Peter **********
@Scott ******
That’s good to know. Which bank are you using on the receiving end?

PS I have to add that it doesn’t matter to my case because I am entering on “reason of marriage” and not retirement. There is no requirement to show where funds originate with the marriage extension.
John ********
God, the needle is stuck on the record here, so many repeat answers to the question. 😂
John ********
@Peter *********
Are you sure about not being able to use Wise for international transfer? I've been using Wise for years and have PDF'sfor every transfer, plus my UK bank statement which confirms transfer of funds from my UK bank-Wise-SCB Thailand.
Peter **********
@John *******
Nothing is ‘sure’ in Thailand. When your specific IO accepts what you’re doing then be happy with it. Normally Thai officials wouldn’t (shouldn’t!) accept foreign documents for official purposes unless verified through a legalisation process. So if it works for you, be happy with it but don’t count on it to work in the future.

Note: I also use Wise, but it’s different when asking an extension based on marriage.
Brian ********
Andi ***********
@Brian *******
How much does it cost?
Brian ********
@Andrew ********
here's their Email
*****************************
Andi ***********
Brian ********
@Andrew ********
I'm not sure drop them a email and they can tell you more good luck
Sharron *******
I read all of the comments over the past year of expats having trouble with agents. It scares me, I want an agent. But surly someone or two people have an honest agent they used? No one really recommends anyone? I need one in Hua Hin area. Thats where I want to live.
Paul ********
@Sharron ******
If you want to pm me I can give you more info.
Paul ********
@Sharron ******
We used Hua Hin Visa services on Soi 94. Extremely helpful and no problems at all. They actually saved us money and heaps of time. Everything is geared up for the banks and visa agents to do business. Therefore, it is made difficult for farangs to do things on their own, but usually not impossible.
Dan *********
@Sharron ******
Siam legal in BKK and Isaan Lawyers in Korat
Sharron *******
If you get an agent in BKK , can they set you up in Hua Hin?
Brandon ************
William ************
You can open a Bank account. Pm me if you require .
Daniel *********
Try Bangkok Bank
Simon *******
It's why I decided to retire to the Philippines instead of Thailand, ridiculous rules, having to report to the authorities every 90 days! What do the thai authorities expect that every expat will rise up and overthrow the government if they only report once a year!! Arbitrary decision making about things like opening a bank account, and taxation on incoming foreign income. None of those things applied with a retirement visa for the Philippines, easy decision to make!
Ross ********
@Simon ******
no exit clearance so there's that
David *********
Except that you then have to live in the Philippines
@Si***
;-)
Kace *******
@Simon ******
you can also retire in cambodia and it is easy, affordable and clean compared to philippines. and unlike philippines, very few guns. low crime rate.
Simon *******
@Kace ******
sorry, have to disagree with you kace, I lived in Cambodia for 10 years and even though I loved the country and the people, I wouldn't say it was the greatest place to retire to. Yes they have made it easier to retire too with regard to the visa, yes it is affordable, and the economy is definitely improving. However, the corruption is still ingrained, the Chinese influence is now massive e.g they have absolutely destroyed sihanoukville, turning it into a ghost casino town, and lastly I'm afraid I wouldn't exactly call it clean. Still have a lot of friends there though so I visit regularly.
Kace *******
@Simon ******
i don’t live in sihanoukville.. i didn’t say it’s the greatest place to retire. i don’t do casinos. garbage is not scattered about with people snacking and tossing wrappers and bottles on the ground anywhere i’ve been in siem reap or phnom penh. i live in phnom penh. i go to aeon mall 1 daily to use the gym and at the grocery store at the end of the night much of the food prepared that day is half price. i send money to my family in the philippines from there monthly at the bank. while there i see the tellers count $10,000 stacks of $100 bills and make literally MOUNDS of those $10,000 banded stacks. no guards. in philippines in that situation there would be large groups of heavily armed men menacing onlookers, ready for action, fingers on the trigger. i imagine the safety would be off. the newspapers are full of crime stories and murders . cambodia is serene in comparison and easy to get apps for cheap transport and food delivery. a firestick and good wifi and you get youtube and movies and tv shows for free. you can get smart phone service as low as $6 a month. wide range of prices for condos. situated conveniently for travel. i don’t experience any corruption. i moved to cambodia end of last august. cambodia is affordable and not intimidating. the people are helpful and generally happy . it’s easy living simply and saving enough for luxury when you do travel.
Simon *******
@Kace ******
fair play Kace, as long as you are enjoying living there, that's the main thing! I may be wrong, but I think you are a lot younger than I am, so my priorities are probably different from yours. I ran a business in Cambodia for 10 years and I can honestly say that the corruption of the police and the authorities nearly drove me into a mental asylum. As I said, I still have many friends there and enjoy visiting Phnom Penh but at my time of life, Cambodia just doesn't have enough to fulfill my interests and requirements, but I am really glad to know that you are enjoying living there..
Kace *******
@Simon ******
is don’t think u r so much older than me. you don’t write in all caps yet, 4 starters. 😆 i’m 68. fully retired no business ventures required. i have considered opening a bar with the idea of a sports bar w multiple screens but with reggae and classic rock and making enough to cover expenses and a good wage to the employees. but i don’t need to do anything but eat healthy and go to the gym. listen to music. watch movies. snl.
James *********
@Simon ******
But yer in the Philippines.....
Tony *********
@Simon ******
I report to Thai immigration every 90 days via a website on my phone in the comfort of my home. Lol. It takes 2 minutes. Such hardship. I don't need to have bars on my windows in Thailand like you do in the Philippines.
Simon *******
Tony Daniels sorry Tony, but I think you missed the point of what I was trying to say. I have visited Thailand many many times over the past 20 years and absolutely love the place and the people. I fully intended to retire there, but when I looked at the conditions of the retirement visa, it became quite clear that Thailand was increasingly trying to attract the really wealthy retiree. I stand by what I say with regard to the whole picture of retirement in Thailand. Yes, there are things wrong with the Philippines, yes the bureaucracy can drive you mad at times, but when I weighed up the pros and cons of living in Thailand or the Philippines, the Philippine's seemed to offer a lot more. I will still continue to visit Thailand because I love the place and the people but I just don't want to jump through all the hoops that the Thai authorities have put in place.
Jan ******************
@Simon ******
There’s a privilege visa and a LTR visa, but the general requirements regarding regular retirement visa it’s quite reasonable in my opinion. Basically you’ll just need to show proof of a monthly income of 65K thb a month which most westerners can meet.
Simon *******
@Jan *****************
each to their own jan. when I weighed up the requirements of each retirement visa between Thailand and the Philippines, the fact that the Philippines srrv retirement visa did not require me to pay any tax on my foreign income, that did not require me to report to the Philippine authorities, that allowed me to import up to $7000 of household goods free of import tax, that automatically enrolled me into the Philippine public health system. That had created a special retirement authority to help retirees deal with Banks and government authorities. That only required a pension income of $800 per month. That allowed me to use my deposit of $10,000 towards buying a condominium anywhere in the Philippines.That had discount schemes for PRA members all over the Philippines. And finally, I didn't have to renew my visa every year (just pay $360 each year) without the necessity to visit any immigration office.
Jan ******************
@Simon ******
👍 ok I understand, you have deeper knowledge and experience than me. I was just referring to the general formal requirements regarding visa and extension of stay. One big issue is that the Uk, Us, AUS and danish embassies stopped offering affidavit letter to confirm your income. I don’t need to prove or transfer anything, I just get a letter from my Norwegian embassy confirming my income/pension. When it comes to tax, all tax agreements between the different countries are done individually and as I understand retired people from Norway are quite satisfied with the tax agreement between Norway and Thailand. Everything else you mention is really positive.
Alan ***********
John **********
@Simon ******
Going to send you a DM about the Phills if that works ?
Asim **********
I opened a Thai bank account as a tourist pre covid. Its not a savings account. Can it be used for visa?
Bart **************
Classic chicken 21 right. Welcome to Thailand 🤷
Patricia *******
Had an agent, paid $2000 US and they did not help me open the bank account, got only the retirement Visa and no further assistance!
Robert *****
@Patricia ******
They saw you coming honey…..555
Chris ******
@Patricia ******
$2,000 for a 1900 Baht retirement Visa ?
Luc ********
@Patricia ******
well overpaid.
Brandon ************
That's actually highly unusual unless you already had your own bank account.
Patricia *******
no bank account. She said her job was done when I received the Visa- no more assistance!
Sherry ********
Hire an agent they will take care of medical, visas and opening a bank account
Lee ******
I did it, Bangkok Bank. PM if you need details. Aloha🌺
Rob **********
Get the right visa before you make your way here, plain and simple and so easy to do.
Paul *************
If I open a joint bank account with my wife for the business that she runs in Thailand and she has lived there all her life could it be used for my retiring visa or will it have to be just in my name?
Graham ******
@Paul ************
Some Immigration Offices accept joint accounts (you'd need to ask) but they would then double the requirements to 1.6 mil etc.
Paul *************
@Graham *****
ok thanks for clearing it up It just seems a bit of a catch 22 to get a long residential stay visa you have to have a bank account but to have a bank account you've got to be able to have a long visa stay. But I'll see about getting an agent to do the work when I'm ready
Graham ******
@Paul ************
I'm one of the lucky ones, got my bank account about 15 years ago while on Visa Exempt, my address is probably still the guesthouse I was staying in lol
Luc ********
@Paul ************
only in your name
Paul *************
@Luc *******
ok thanks for the info
Jos *********
@Paul ************
just YOUR name
Paul *************
@Jos ********
ok thank you for that information
Giorgio ******
ask them
Paul ********
yes I got help from Thai lady and no problem .. pre covid thought
John **********
You can open a savings account on any visa but it all depends on the bank and indeed the particular branch. You can either pound the pavement until you find one or use an agent. It helps if you can take a Thai of good standing along to vouch for you
John ********
@John *********
I tried that in December last John and a Thai business friend came with me and had a slip from immigration stating where I was staying. I had a 60 day TR. Only tried SCB., who incidentally I had an account with years ago, that I opened on a VOA. How times have changed. Stayed in Thailand on & off for 11 years on mostly VOA's. In the 11 years I only got a 2 month TR from Penang, one from Vientiane and my last one before I came back to the UK, a 12 month multiple entry 'O'.
John ********
Forgot, I got the 12 month 'O' from Hull consulate in the UK.
Chris ******
@John *******
the good old days ..It's a shit show now .
John ********
@Chris *****
Agree with you on that one.
Ed ********
use an agent.
Ron *********
You get an agent, and that agent can open your bank account and take care of the deposit for you as well 
Chris ******
@Ron ********
legally ?
Andi ***********
@Chris *****
yes, legally..
Nigel **************
You can't. Immigration's little game. 😅😆😅😆
Greta *****
In Australia you can open a bank account as a tourist. They want your money
Yorgos **************
ORIGINAL POSTER
@Greta ****
, we are talking about Thailand here. Not interested how easy or difficult is opening a bank account to the rest of the world
RobD****
@Yorgos *************
you'll find they were replying to a previous comment on how most countries don't allow tourists to open a bank account... you don't need to be a 🔔 end to others in your replies.
Greta *****
@Yorgos *************
Well in that case , good luck to you
Aaron ****************
Why can't you open a Thai bank account? This can be done on any visa, even a 30 day visa waiver.
Edna *******
@Aaron ***************
care to explain how, sir?
Aaron ****************
@Edna ******
certainly! 1st, obtain a residents certificate from either immigration or the "agent" who works there (the latter is faster), then walk or drive to the bank and politely ask if you can open an account. You will likely be turned down at the 1st few places, it helps if you ask some other farangs in your area which particularly bank branch is known the commonly open new accounts.
Carl ********
@Aaron ***************
No it can’t 🤣🤣
Aaron ****************
@Carl *******
your school report: "could do better, must try harder"
Steffen ********
@Aaron ***************
it’s a hit and miss, depending on the bank, branch/location and the bank officer…
Aaron ****************
@Steffen *******
it always was hit and miss, but people saying you can't do it just never tried further than their 1st attempt.
Yorgos **************
ORIGINAL POSTER
@Aaron ***************
, which branch?
Aaron ****************
@Yorgos *************
Chiang Mai Gate branch is an old favourite for Bangkok Bank, for me it's merely the biggest branch of those not far from my house.
Chris *********************
@Aaron ***************
not these days, long time ago yes but it's bloody hard now
Aaron ****************
@Chris ********************
it never was easy, but never was impossible.
Trevor ******
Aaron ****************
@Trevor *****
yes can. I done it recently, and so did a number of other people in this comments thread. It people who have actually been and done it, Vs people who just say "no, can't"
Aaron ****************
Clive ********
Aaron ****************
@Clive *******
yes can. I done it recently, and so did a number of other people in this comments thread. It people who have actually been and done it, Vs people who just say "no, can't"
Nigel ********
@Aaron ***************
I think they changed the law about 1 year ago it can still be done with leg work or an agent
Sue **********
@Alan ********
Visa, a longterm residential proof (rent or buy), a Certificate of Residence from Immigration Office or a work permit.
Ned *******
@Aaron ***************
. . . Yep, I opened an account with Bangkok Bank ( in Prachinburi ) several months ago on a 30 day extension ( Visa waiver ) . . . . went to immigration, with copies of bio and 30 day extension pages in my passport, and proof of address . . . completed the form . ( ticking the box for bank account ) . Immigration officer gave me letter ( all in Thai ) to take to the bank stating it was sufficient to open an account . . ..5 minutes later was in the bank opening an account . . ..👍

No agent, no insurance required . . No issues,

good luck . ..👍
Robert ***********
@Aaron ***************
When did you last do a bank account? I can pretty much guarantee that it was before March 2023.
Aaron ****************
@Robert **********
November 2023
Robert ***********
Aaron ****************
@Robert **********
Bangkok Bank, Chiang Mate Gate.
Edward ********
@Aaron ***************
I live in Thailand, when exactly did you do this? What year? Because laws have changed..And I know K bank doesn't give bank account on tourist visa, please take pictures of this sign
Ross *******
@Aaron ***************
l did, Bangkok bank HUA HIN…
Robert ***********
@Ross ******
Not recently
Colin ******
@Aaron ***************
no you can't open a Bank account on a 30 day Visa - I tried.
Aaron ****************
@Colin *****
you can - I did it
Colin ******
Aaron ****************
@Colin *****
but a pal of mine opened a K-Bank on a 30 day waiver extension in January
Aaron ****************
@Colin *****
Bangkok Bank
Marlini ********
Andy **********
@Aaron ***************
he's not wrong. You can. It's just a numbers and luck game. I went to 5-6 different banks and got denied. Went back to the first bank I tried but the next day... Bank account. But I did have to suck a chick off.
KO ********
Bjorn ***********
@Aaron ***************
before 2024 yes, but now there are only Bangkok bank who allowed me to open with 30 days turist visa, and I needed to have residential in Thailand, that means TM 30 from your hotel or landlord + passport/Thai license, residence form original from emigration and open Insurance in the Bangkok bank. I was in all the banks trying and this was the only place I was able to open against these conditions.
Ivan ************
@Bjorn **********
sounds like you were able to open one on a 30 day tourist entry then? It was never the case that every bank/branch would do it, you always had to find the one branch that was good (or use an agent). TM30, passport, residence form from immigration is totally standard and same as what was required 10 years ago.

I don't get people saying it's impossible, and then saying, well they actually did it... yes you need the documents,
Aaron ****************
@Ivan ***********
yes exactly!
Aake **********
@Aaron ***************
its no 30 day visa
Aake **********
Jae *******
@Aaron ***************
Well, I did that in 2018 but things have changed since then.
Nigel **************
@Jae ******
yep since Covid things have really got difficult
Jan ******************
@Aaron ***************
Times are changing….
Aaron ****************
@Jan *****************
it's lucky of the draw.
Roman **********
@Jan *****************
I'll head over to K-bank or whoever is open at airport plaza tomorrow to see if I can open one and report back to see if times have really changed. So much doom and 3rd hand accounts spread around
Jan ******************
@Roman *********
I did both Bangkok Bank and Krungthai Bank ten years ago on visa exemption. Now they didn’t even let me open a second savings account within the same bank unless I had a Non O Long Stay visa. The fact is that it’s quite strict now, but practice varies between banks and branches within the same bank. I know someone managed on tourist visa in Bangkok Bank Soi Buakhau Pattaya Christmas time, but I also know several people are denied in several banks, although It’s still possible if you hit the 🎯.
Nigel **************
@Jan *****************
thanks. I rest my case.
Brent ********
Aaron ****************
@Brent *******
yes, I done it, and people do it all the time
Robert ***********
@Aaron ***************
When did you do it and where?
Nigel **************
@Aaron ***************
stop spreading lies and incorrect info. It may be possible in theory but not in practice. Just take a look back at all the recent posts from people who have tried to do it without paying an agent. 😉😉
Manfred ********
@Nigel *************
i did it on a TR60 Visa at Kasikorn Bank last year. Without to pay an agency.
Peter **********
@Manfred *******
‘last year’ is the keyword here. Things changed since early 2024 and it should no longer be possible to open an account on a short term visa.

All answers which contain ‘I did it last year’ are no longer valid. Unfortunately enough.
Ned *******
@Nigel *************
. ..I was able to,

On 30 day extension ro my Visa waiver entry,

after visiting the local immigration office, no agent, no insurance,

account opened at Bangkok Bank . . ..👍
Aaron ****************
@Nigel *************
I opened a Bangkok Bank on a 30 day visa waiver, 1st bank turned me down, 2nd gave me the account. People do it here all the time, Bangkok Bank is usually the go to. Recently there was a notice outside a K Bank in one of the malls that they were accepting foreigners on tourist visas.

But, these Facebook groups are always full of Westerners in denial because they are unable to do anything without an agent
Alan *********
@Pete *********
Makes sense. What documents do you normally have to hand them in order to open an account?
Bozena ************
@Pete *********
Hi Pete would you consider sharing the contact information for the agent you used, if so please pm it to me!...My husband and I just got here and need to start this process. Thank you kindly!🙏💜
Lutz ********
@Nigel *************
I did it with a Tourist Visa.Krung Sri Bank in Khon Kaen.Get the right Info before calling people a liar.
Gabriel ********
@Nigel *************
it’s possible in practice also…if you struggle at bank branches head over to their hq branch and you’ll get it done regardless of visa type
Nigel **************
@Gabriel *******
okay good then
Roman **********
@Nigel *************
You can, it just boils down to the bank manager of the day and the lucky dip of what documents they want. I had no issues last year on a visa exemption with Krungsri.

Bangkok outright refused, others tried the same bank and got told no.
Damo ******
@Roman *********
Which branch was this ?
Chris ********
@Roman *********
same for me at KrungSri. This was during the pandemic and I was on 60 day visa.
Nigel **************
Jim *******
@Aaron ***************
not sure about that
Lawrence ********
I did Tuesday, bangkok bank.
Yorgos **************
ORIGINAL POSTER
@Lawrence *******
, Which branch?
Lawrence ********
Lawrence ********
@Jim ******
I just got a residency certificate and opened a bank account with bangkok bank on a 30 day waver.
Jim *******
@Lawrence *******
you have address residency
Lawrence ********
@Jim ******
I just asked for one at immigration so I could open a bank account.

Cost me 500 bhat
Peter **********
@Lawrence *******
That’s the way to do it. Get the document from immigration and then go to the bank. Thanks for confirming!
Rene ******
Ganesan ***********
Brandon ************
Get the proper visa before you travel to Thailand. It's much easier to open a bank account when you already have a long stay visa.

There's not many countries in the world where you can just show up as a tourist and open a bank account.

Otherwise try dozens of banks until you find one that will open an account for you, or use an agent to open an account.
Jamie ******************
@Brandon ***********
which banks would you recommend for this? Also, do you know of any agents to use, or where to start the search?
Brandon ************
@Jamie *****************
Bangkok Bank is usually the bank that will offer a bank account if you buy insurance. Don't know any agents
Linhof *********
@Brandon ***********
The basic main difference of Applying from outside Thailand requires insurance, correct?
Brandon ************
@Linhof ********
no. Only some embassies require insurance but it's not a general requirement for a non-O visa. And the insurance required is minimal if they do require it. Even the most basic travel insurance (which you should have anyways) would satisfy it.
Linhof *********
@Brandon ***********
OK dang, Anything else? I have my flight out in 40 days, enough time to still do online? LA embassy. thx
Brandon ************
@Linhof ********
most visa applications take 15 days at most. Check the website for the LA consulate, they should have their requirements.
Linhof *********
I do plan on insurance no matter, but I thought one of the visas require insurance for life
Linhof *********
@Brandon ***********
OK Thanks. I kept seeing posts saying it is best to come in on visa exempt due to no insurance requirement, than recently posts saying it is best to do it prior online. ha, simple yet confusing 😕
Edna *******
@Linhof ********
I’ve been to beautiful Thailand five times, on the fifth time I broke my arm. Get insurance!!!!
Brandon ************
@Linhof ********
used to be easy for anyone to walk into a bank and open an account, but since last year it's almost impossible without a long term visa.
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