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Answered13 days ago

How difficult is it to open a Thai bank account as a foreigner?

PlayfulOc*********
asked Oct 31, 2026
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Thai bank account

How difficult it is to get Thai bank account nowaday?
Answer summary
The difficulty of opening a Thai bank account largely depends on the type of visa a foreigner possesses. It is relatively straightforward for individuals with a long-term visa, such as a NON-O, while those on a tourist visa may find it nearly impossible. Essential documents typically include a registered Thai phone number, a certificate of residence, a passport, and potentially a driver's license. Experiences vary by bank and branch, with many expats recommending Kasikorn or SCB as friendlier options, and advising against Bangkok Bank. Using an agent can facilitate the process but may come at an additional cost.
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Willi*****
Luck of the draw.Different result with different banks,different bank branches,and even different banktellers in the same branch.
Willi*****
Willi*****
Luck of the draw.Different result with different banks,different bank branches,and even different banktellers in the same branch.🙄
OutgoingCat***********
Took me an hour in Kasikorn
OutgoingCat***********
OutgoingCat***********
Took me an hour in Kasikorn
John ********
If you are here on the correct visa then it's not hard at all
John ********
John ********
If you are here on the correct visa then it's not hard at all
John *****
Never been asked for a Thai phone number. Just as well as my phone sim is in my wife's name
John *****
John *****
Never been asked for a Thai phone number. Just as well as my phone sim is in my wife's name
Scott *********
Go into bank and ask take an agent
Dennis ***********
Kasikorn Bank is an excellent choice- been with them for 15 years- always helpful- never an issue
Dennis ***********
Dennis ***********
Kasikorn Bank is an excellent choice- been with them for 15 years- always helpful- never an issue
Scott *********
Scott *********
Go into bank and ask take an agent
Eileen ***********
Eileen ***********
very
Mark *******
Mark *******
I have used bb for 5 years...no issues...but its harder to open an acc with them these days....its a rules based process....follow the rules...ask them what you need and have it ready.
Sei *****
Sei *****
to find the answer took me 5 months than didn't have anymore enough money to put. lesson learned.
GreenPa*******
As long as you fulfill the requirements of the bank then no problems!
Andreas *********
The minimum requirement for opening a bank account is always a long-term visa, meaning at least a 90-days Non-Immigrant O, O/A, LTR, or an O/X type visa, or an Elite Privilege Visa.Some bank employees will claim you need a work permit, but this is simply not true. Some say that you need a 1-year Retirement Extension of Stay, and this is also not true.Since February 2025, you cannot open a bank account on a tourist visa or visa-exempt entry visa. You need to be registered at your accommodation using the TM30 system of Immigration, so Immigration can issue a “certificate of residence”. Some banks accept a long term rental contract.You obtain a "certificate of residence" from Immigration, in which Immigration requests the bank to open an account for you (you must tell Immigration what the CoR will be intended for).You will also need a Thai mobile phone number. The number must be registered in your name and passport number. Show the COR at the phone shop (but don't leave it in the shop) and ask for confirmation of the registration (or likewise a note about it on the receipt).Most banks require a second identification document next to your passport, like your national driver’s license.Some banks require your home country’s tax number, and I see no problem with such a requirement.If bank employees become uncooperative and keep making up new requirements to get rid of you, go to another bank. Avoid Bangkok Bank as they are not very foreigner-friendly any more. I recommend Kasikorn, Khrungthai and SCB.If it still doesn't work after several attempts, use an agent, in Pattaya it costs something like 5000 Baht.
Andreas *********
Andreas *********
The minimum requirement for opening a bank account is always a long-term visa, meaning at least a 90-days Non-Immigrant O, O/A, LTR, or an O/X type visa, or an Elite Privilege Visa.

Some bank employees will claim you need a work permit, but this is simply not true. Some say that you need a 1-year Retirement Extension of Stay, and this is also not true.

Since February 2025, you cannot open a bank account on a tourist visa or visa-exempt entry visa.

You need to be registered at your accommodation using the TM30 system of Immigration, so Immigration can issue a “certificate of residence”. Some banks accept a long term rental contract.

You obtain a "certificate of residence" from Immigration, in which Immigration requests the bank to open an account for you (you must tell Immigration what the CoR will be intended for).

You will also need a Thai mobile phone number. The number must be registered in your name and passport number. Show the COR at the phone shop (but don't leave it in the shop) and ask for confirmation of the registration (or likewise a note about it on the receipt).

Most banks require a second identification document next to your passport, like your national driver’s license.

Some banks require your home country’s tax number, and I see no problem with such a requirement.

If bank employees become uncooperative and keep making up new requirements to get rid of you, go to another bank.

Avoid Bangkok Bank as they are not very foreigner-friendly any more. I recommend Kasikorn, Khrungthai and SCB.

If it still doesn't work after several attempts, use an agent, in Pattaya it costs something like 5000 Baht.
GreenPa*******
GreenPa*******
As long as you fulfill the requirements of the bank then no problems!
IsaanT*******
IsaanT*******
GreenPapaya279 which vary according to who’s in that day and which side of the bed they got out of
Sissi *******
Sissi *******
From impossible to very easy depending on the visa you have
Christian ********
Christian ********
If you have a non o visa it is easy.
Andreas ********
Andreas ********
If you fulfill the requirements very easy.
Ant *******
Ant *******
Does an education visa qualify for bank account?
Sven **********
Sven **********
It all depends on your Visa and what bank office you visit because each office use their own rules. Basic is long term Visa, an paper from immigration with your adress, passport and proof of your thai number including your name and adress.
Paul ********************
Paul ********************
If you have the right paperwork... It's easy.. Opened a new on about Two weeks ago with K-Bank
Cliff *********
Cliff *********
Discussed daily. Check it out.
Pascal ********
Pascal ********
Il n'est pas possible d'ouvrir un compte en Thaïlande actuellement avec un visa inférieur à 1 an
John *********
Why do you need a Thai bank account ?
Cristie ****************
Need a resident certificate, passport and drivers license. We opened our at Kasikorn. Super easy and took about an hour. You DO NOT need an agent
Martin *********
Martin *********
As above
Brent *********
Brent *********
No problem
Charlie *********
Charlie *********
If you’ve got a proper visa for one then it’s quite easy, just follow the steps required by the bank
Cristie ****************
Cristie ****************
Need a resident certificate, passport and drivers license. We opened our at Kasikorn. Super easy and took about an hour. You DO NOT need an agent
Milfhu******
Milfhu******
Cristie Decker Hopper they will check your visa, if you have a DTV or tourist visa more likely to get rejected, if you have any other long term non immigrant visa then it should not be a problem
Andreas ********
Andreas ********
Cristie Decker Hopper you dont need a driver license to open a bank account.
Graham ******
Graham ******
Andreas Knautz Some banks are now asking for photo ID from your home country (not just passport) so thosde from countries without national ID cards use driving licences
Cristie ****************
Cristie ****************
Andreas Knautz we sure did
Leigh ***********
Leigh ***********
Andreas Knautz I was asked for mine as well as my Passport. Better to take it and not need it than Nees it and not take it.
MellowKan*********
MellowKan*********
Andreas Knautz the requirement is for a secondary form of photo ID from your home country, not a drivers licence specifically. I did not have so I had to get a Thai drivers licence. Details are on the Kasikorn website.
Timothy *******
Timothy *******
Andreas Knautz I did
Ronny *********
Ronny *********
Andreas Knautz It is one of the options to prove your identity supplementary your passport
Timothy *******
Timothy *******
Andreas Knautz I don't know what they use probably a library card with their photo on it I'm just saying KBank wanted another form of ID with my photo on it apart from my passport
Andreas ********
Andreas ********
@Timothy ******
you wanna tell me people without a driver licence can not open a bank account in Thailand?
Giuseppe **********
Giuseppe **********
Depends on visa
John *********
John *********
Why do you need a Thai bank account ?🤔
Barbara ******
Barbara ******
John Hampton Is that your concern?
Kim *********
Kim *********
John Hampton why do you want to know?
Tevita ******
Tevita ******
John Hampton have to if getting non-O extensions
Andrew *************
Andrew *************
Tevita Tuki nope
Craig ********
Craig ********
I think if you go to a branch that regularly deals with foreigners then it will be easy. One that doesn't may be a bit more difficult.
Jesper *******
Jesper *******
Its not hard if u have the correct visa and requirements.....
Grant ***********
Grant ***********
I used an agent with a non resident 0
PlayfulOc*********
PlayfulOc*********
OP
Grant Wilkinson can you share the agent's contact please
Graham ******
Graham ******
Grant Wilkinson an agent is not needed, it ca be done without
Willem ****************
Willem ****************
You will need a long term visa. Not a DTV or tourist visa.
Latrice ********************
Latrice ********************
Get an agent to help
Timothy *******
Timothy *******
Latrice DiFulvio Harrison No need get your right paperwork it's easy
Gray *******
Gray *******
Avoid Bangkok bank.
Willi*****
Willi*****
Gray Allen yes.The bastards froze my account for 5 months,no reasons,no explanations,no apologies ever offered or given.🤮💩😈🤬.Then,miraculously,one day,it was "unfrozen".
Sebastian ********
Sebastian ********
Gray Allen nothing wrong with Bangkok Bank as long as you meet the criteria! Been with them for 11 years with no problems at all. 😎
Eileen ***********
Eileen ***********
Sebastian Barrow not recently. 4 times visited. contradictory document requests. mountain of docs. had to go back for 2 yr. lease instead of one.
Marty *********
Marty *********
Sebastian Barrow I also have no problems with Bangkok Bank but I would avoid BB for expats arriving with an O visa and are preparing for a first 1 year extension. BB has some deposit requirements that make getting the necessary documents for immigration unnecessarily difficult. There are plenty of other banks.
Dave *********
Dave *********
Marty Pollard wait , I need a one year extension on my O ! What are these difficulties?
Sebastian ********
Sebastian ********
Marty Pollard if you come with a long term visa and, if you can afford it, place the required amount in a dedicated account then have another account for day to day living. That is the way to go hassle free.
Alex ************
Alex ************
Marty Pollard 100% agree with this
Gray *******
Gray *******
Sebastian Barrow Many others have a different experience.
Gray *******
Gray *******
Sebastian Barrow I know people that opened their own account and have problems.

I too have and still have problems.
Sebastian ********
Sebastian ********
Gray Allen possibly because they have opened the account originally with an agent?

If everything is 100% legal then there are no problems.
Grant ******************
Grant ******************
Need longer term visa. Thai phone number registered to your passport. Letter of residency. Took me about 45 minutes at a Kasikorn branch.
John **********
John **********
If you have a long term visa it's relatively straightforward, if you have a tourist visa virtually impossible
Bob **********
Bob **********
Easy if you have the right visa and SIM card registered to you and a resident certificate might want to see your tm30
Eric **********
Eric **********
Pending on visa…
Colin **********
Colin **********
You need to establish your staying here longer term, so need a non o or long term visa.
Armen ******
Armen ******
Depends on what visa you have

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