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Answered5 months ago

How can I receive new debit and credit cards while living in Thailand if I'm a Canadian expat?

David ********
asked May 22, 2026
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My question is about your debit card for your bank account back home and your visa card. How do you get new ones, do you go back every 5 yrs for new ones or do they mail them to you.im from Canada looking at moving to Thailand start of 2028.
Answer summary
The conversation discusses options for Canadians living in Thailand to manage their banking needs, particularly how to receive new debit and credit cards while residing abroad. Participants share strategies such as changing mailing addresses to Thailand, using mail forwarding services like iPostal, and relying on friends or relatives to receive and forward cards. They highlight that communication with banks is crucial, as policies regarding card issuance vary among banks, and many are now accommodating addresses in Thailand. Mention of services like Wise is made for potential card solutions. Overall, the consensus is that with proper planning, receiving financial mail while living in Thailand can be managed effectively.
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Understandin*************
Understandin*************
Cards... Not needed these days with banking apps, virtual cards etc. I don't even have a card for my Thai bank with the advent cardless ATM withdrawals.
Carmena **********
Carmena **********
Thai bank accounts, one sent by FedEx, one sent to a family member to hold. You have to be creative.
Matthew *********
Matthew *********
Navy federal FedEx new cards of credit card or debit card for free to Thailand. You need to check with some credit card company will not send new credit to a foreign address.
Gray *******
Gray *******
My bank sends them to me FedEx, for reliability.

Regular mail would take two weeks to never.
Graeme *******
Graeme *******
If you have a Thai address it will be sent to you, but in this dayband age slso have to declare where you are paying tax etc. That's for NZ other countries not sure.
Andrew *******
Andrew *******
All my cards are sent to Thailand then I have to go online to activate them.
Paul ********************
Paul ********************
My bank in Singapore sends my new credit cards and debit cards via DHL
Simon *******
Simon *******
If you are living in Thailand open a Thailand bank account if you can and transfer to it using wise it make life so much easier
Peter ********
Peter ********
The only problem is you really need to keep your home country credit cards active when living in Thailand . It’s very difficult for a foreigner to get credit cards and if you are travelling or need to go into hospital , even if you have insurance , usually they will only accept a credit card
Bill *********
Bill *********
All of my banking and other financials go to my resident address in my home country, which of course I still retain since I wish to travel back and forth several times periodically.
Marcel ***********
Marcel ***********
If you know someone at the bank in Canada and don't have address in thailand i emailed my the person she did a change in my mailing address and I got new card within 10 days by purolator I'm with a bank in alberta
Petr *********************
Petr *********************
What about wire transfer to a Thai bank how much you need and use only Thai Bank card, don't need a Canadian card at all !!!
Lydia ***********
Lydia ***********
You can use a virtual address. They notify you of mail, scan, shred, or forward it to you. I had this concern also.
Deborah *******
Deborah *******
I use a mail service Ipostal in the states. Changed my address to reflect and the service sends my mail here. You choose snail mail, UPS, FedEx or DHL next day. Regular mail takes 10 days.
Mike ************
Mike ************
Get the app
Barath *******
Barath *******
David, we are from BC, we always inform our bank of our travel plans. Request a new debit card before we travel. Visa will register mail a new credit card to your location if you lose or need it renewed, courier will request your signature when delivering. As for debit card, I have not encountered that issue, we don't stay away for that long a period.
David ********
David ********
OP
I am moving to Thailand start of 2028
Barath *******
Barath *******
David Easson, all the better, you have lots of time to prepare. You'll never know what will change then.
Joe ********
Joe ********
Should I order a physical card from Wise or is the virtual one on the phone all you need?
Beverly **********
Beverly **********
I always keep two or three debit/credit cards ready in case one gets lost and then my son or daughter are my mailing address (America) so they can get the cards sent to them and DHL over to Thailand.
Ulrik *************
Ulrik *************
Ask Your bank for a correct answer.
Shawn ********
Shawn ********
I forward all my mail from my mail service to a relative, who puts it in a DHL and sends when I need it. Haven't found a better way, but Wise may be offering a debit card for Thailand soon if they aren't already.
Melissa *******
Melissa *******
No. If you are no longer a resident of Canada, you’ll lose your cards. Lose you healthcare too and takes 3 months to kick back in.

If you move, a lot changes.

I am Canadian and use Wise.
Joe ********
Joe ********
Melissa Batch is ordering a physical Wise card necessary? Or is the virtual one all we need?
David ********
David ********
OP
I am retired military am going to keep my CIBC account as my pension goes there too much of a hassle to move it into my Thai account when I get it
David ********
David ********
OP
Also yes I am still considered a Canadian as I will be paying taxes and not too Thailand because they have agreements I have RRSPs and money from my dad for the house
John *******
John *******
You will not lose your cards
Todd *********
Todd *********
John Brown I dont think she gets out much
Barath *******
Barath *******
Melissa Batch only affects your MSP, when one is away for more than 180 days, not bank card or visa.
Melissa *******
Melissa *******
Barath Faust if you have no fixed Canadian address for new cards and residency. It will become an issue. The OP asked about not coming back for 5 years.
Todd *********
Todd *********
Melissa Batch You absolutely will not lose your cards. Unless you are completely daft. And you don't 'lose' your crappy healthcare either. They have no means of doing that. Rules depend on your province of health care plan. Canadians can retain your banking, your bank cards, your RRSP's, TFSA's, RRIF's, credit cards, debit cards etc. Would be absolutely foolish to give that up. And Wise is great. If you travel, or expatriate (like millions of other Canadians) you will indeed want to have Wise
Melissa *******
Melissa *******
Todd McGowan you need to have a Canadian billing address that you reside at. If you haven’t been to Canada for 5 years. You’ll have banking and healthcare issues.

My sister lost her healthcare when she became a Mexican resident full time with a home there.
Mike ************
Mike ************
Todd McGowan your provincial health care ends if you're out of the country over a certain period of time, 6-7 months usually
Mike ************
Mike ************
Todd McGowan obviously
Melissa *******
Melissa *******
Todd McGowan they de activate your card. Happens all the time. You have to be a tax registered resident of your province to get MSP.

You don’t just get it forever because you are Canadian. You need to live there too.

It take 3 months to reactivate when you return and have an address too.

Why are you arguing this?
Raymond *********
Raymond *********
Todd McGowan Easy, they stop paying or reimbursing you for anything that happened outside your province. Lets say that you had surgery in Thaïland, cost 5000$ can. You send them the invoice and they ask you to send them à copy of the thai stamp in your passport. That is not the end of the store. They then advise Revenu Canada that you are no longer à canadian résident and your tax Bill (from the date that you left Canada) in increased by 48% + penalty+ interest. Good luck getting your money back from your provincial gvt
Todd *********
Todd *********
Mike Hauckizard no, it obviously doesn’t. How would the province ‘end’ your coverage?
David ******
David ******
Ive kept a UK address, my brothers, the card was delivered there, I received photographic copies to up date on line and it was then delivered my a good friend
Paul **********
Paul **********
You bank will only send cards to your registered address, so I changed it to my address in Thailand, cards and statements were sent here. This was with HSBC UK.
Haydn *******
Haydn *******
I changed my mailing address to Thailand. My bank wanted my tax residency details for here anyway
Todd *********
Todd *********
Haydn Taela accurate
Ian ********
Ian ********
Careful what you tell your bank
Barath *******
Barath *******
Ian Carman, we always inform our bank of our movement, so they'll be aware when we use our card in that location.
Todd *********
Todd *********
Barath Faust you haven’t needed to do that for 20 years
Todd *********
Todd *********
Paul Malcolm perfect. You found a back operating in this decade
Todd *********
Todd *********
Bill Cox I have no doubt. US banks operating in the last century and in need of massive upgrades to their tech. But completely unnecessary for most people
Paul *********
Paul *********
Todd McGowan try telling Lloyd's Bank!!!! I know from personal experience. Changed to Nationwide and no issues.
Bill *****
Bill *****
Todd McGowan I have several U.S. banks and all but one require you notify them of foreign travel.
Todd *********
Todd *********
Ian Carman lol, if you want to declare non-residency, you legally have no choice what you tell them
Octo *******
Octo *******
I'm hoping it's a bit easier in Thailand. I tried for 2 months to get a new Schwab card sent to me in Vietnam. I've received FedEx and DHL to this Vietnam address, but Schwab customer service couldn't get the card to me. 6 separate, long, phone calls. Reassurances that "we can get it there", but every time it would end up not being shipped due to the shipping department saying it wasn't a valid address. I asked for them to get someone responsible/accountable from 'shipping', but was told that wasn't possible. I sent them both DHL and FedEx screenshots of new shipments to the address... but to no avail. Eventually I had it sent to a friend (in the US) that I was meeting in Japan to get it to me there. I used to be a huge Schwab fan, but their failure and lack of concern on this really dropped their reputation.
Dante **
Dante **
Octo Adven they send to Thailand with no issue
Phil *******
Phil *******
Ask your bank or card provider .

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