How can I manage my UK bank account while living in Thailand and receive verification codes?

Mar 3, 2024
10 months ago
Jason *********
ORIGINAL POSTER
Can anyone give me advice on how if you have your money in a UK bank account answer valifications when living in Thailand when drawing money thanks
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TLDR : Answer Summary
The conversation provides insights into how expatriates in Thailand manage their UK bank accounts, particularly regarding receiving verification codes. Users share methods for ensuring access to their accounts, such as maintaining a UK mobile number for OTP (one-time password) verification, using money transfer services like Wise to facilitate transactions, and the importance of keeping their accounts active despite living abroad. They suggest using virtual services to maintain a UK number, avoiding the need for frequent top-ups on SIM cards, and discussing the experiences with banks regarding the residency of account holders.
Ally ************
If you have a Uk mobile number that you want to keep 'live' after moving to Thailand.. and want to avoid periodic top-ups on a PAYG sim.. or contract fees for a tariff you cannot use abroad.. then consider moving your number to expatfone.. which gives you a virtual Uk mobile that is accessible via an app.. so it can be used on any handset or tablet etc.. and you get free calls to Uk landlines and mobiles (from Thailand) without ever having to disclose you are out of country.. very useful if you need to call your Uk bank or they need to call you.. and you can send and receive sms messages as well.. so solves your bank verification sms concerns.. there is a monthly fee (works out at about £2 weekly) but it's much cheaper than any alternative i could find.. and if you return to the Uk to live.. you also have the option of porting your number out to another service provider.. so you don't lose your number.. for me it was a no-brainer really!
Philip ******
@Ally ***********
Very useful.. are they still in business? Only asking as I note their website hasn't been updated since March 2022
Ally ************
@Philip *****
Are who still in business.. do you mean Expatfone.. as mentioned, I'm a current subscriber.. meaning i use the service myself.. and I'm not aware of any issues 🤔
Philip ******
@Ally ***********
great thanks
Adam **********
I changed my number to my Thai number and they send it to that.
Frank **********
What is valifications?
Nick ************
Not exactly sure what you mean. Maybe you could explain better exactly what it is you want to do?
Jason *********
ORIGINAL POSTER
@Nick ***********
ok when I transfer money from my UK bank to wise the bank will send a text to verify it's me taking money out but il have a Thai sim in phone if I tell bank I live Thailand they may close account down
Nick ************
Sorry for the spelling errors. Hope you can understand.
David ********
@Nick ***********
yep do the same use ID plan think £6 a month that’s change able plan monthly so can use it on unlimited data in uk if needed to hotspot laptops etc think they have e sims now not sure how they work 😜
Jason *********
ORIGINAL POSTER
@Nick ***********
well explained thanks
Nick ************
@Jason ********
you are correct. My account was closed when they found out that I lived in Thailand most of the year. I have another account now and use my debit card to transfer and no code isneeded. But, I have a dual som phone and pay for my uk service with Talkmobile but only switch it on when I need to re everything a text from uk onthat number. The others Lothar my Thai sim with AIS. I turned that off when in the uk. It means you have an active phone whenever you touch down in either country. If you are in Thailand you might be able to get a simcard from uk by post but not sure on that.
Rick ******
@Nick ***********
If I keep my US phone provider account can I just swap sim cards then make the wise transaction then swap back?
Rick ******
I’m in Tha Muang for a visit and swapped my thai sim card to us sim card and sent money via wise to friends bank account as a test. It worked. Wise accepted two factor authentication from phone with us sim card.
Ally ************
@Nick ***********
The problem is connecting a new Uk sim to the network to establish it as a 'live' number.. i think you would need to do this when you are still in the Uk.. ie. before travelling overseas.. i could be wrong but i believe trying to connect via a local network here using roaming is unlikely to work for new sim registrations.
Nick ************
@Ally ***********
I think you are probably right.
Ally ************
@Nick ***********
I guess you could get a friend or relative living in the Uk to activate a new Uk sim card for you using their phone.. then mail it to you in Thailand.. but if you already have an active Uk sim then a virtual mobile phone is a good solution 👍
James **************
U need the phone no if the ever send you verification codes. Luckily my no still can receive messages....despite not paying the top ups....
Linz ************
I can verify via my online banking app however my UK bank have my Thai number so that is where they send any OTP codes
Sarah ******
@Linz ***********
when did you ooen your account with First Direct?
Linz ************
@Sarah *****
30 ish years ago
Sarah ******
@Linz ***********
i think that is a contributing factor. Post Btexit most banks will not allow it. You"re lucky! :)
Jason *********
ORIGINAL POSTER
James **************
@Linz ***********
my bank says I need a uk number....or maybe I just assumed that?
John *********
@James *************
I don’t believe that is correct. My Thai wife uses her Thai mobile banking while in the US while using her US phone number.
Linz ************
@James *************
some banks do, and will close your account if they believe you do not reside in the Uk, fortunately mine is happy for me to live abroad (First Direct)

Would suggest you check what the policy is with your bank and plan accordingly
Jason *********
ORIGINAL POSTER
@Jim *******
what's the minimum you have to have in the Lloyds Bank you was transferred to please
Jason *********
ORIGINAL POSTER
@Jim *******
who didn't Jim
Jason *********
ORIGINAL POSTER
@Jim *******
ok thanks Jim
Paul *******
You just need to get the 70’s shoes girl and you will be all set.

Love it. 🌹
Nick *******
Instarem is better than Wise.
Nick *******
@Paul ******
Whaat????
Paul *******
@Nick ******
wrong post sorry lol
Neil ********
I keep my UK accounts live and transfer. Use wise as already mentioned as the middle man and then transfer to Thai bank account.

Keeping money in a bank account is not very effective so just prove the monthly cash flow.
David *******
Hi Jason

There’s a few choices

BUT

Here’s your answer

1st transfer will also offer you a discount

***************************************
Brian **********
@David ******
wise is reliable, cheap, quick and easy to use and I’m the biggest technophobe on the planet
Jeffrey ************
I've kept my UK mobile for OTP's
Pop ********
Normally asks to verify through your banking app ( if that's what you mean )
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