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Answered4 years ago

How much money should I leave in my Thai bank account to keep it open when moving back to the US?

Bruce *********
asked Jun 27, 2022
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I am moving back to the United States tomorrow. I have 60,000 baht in my bank account that I'm going to take out. I don't want to close my bank account because I don't know if I'll be coming back to Thailand plus it was a pain opening it up without having a working Visa. How much money should I leave in there so my account doesn't close.

I may be coming back in a year or two.
Answer summary
When moving back to the US, it's advisable to leave a small balance in your Thai bank account to keep it from being closed. Most recommendations suggest leaving between 1,000 to 2,000 baht. Additionally, making at least one transaction per year is essential to keep the account active. Some users have suggested periodically making small deposits or transfers from abroad to maintain account activity. Always check your specific bank's requirements, as they can vary.
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John ********
John ********
Ask you bank ,DUH!!!
Todd *******
Todd *******
Leave it all. Assuming you are coming back. If not and you need it, take it. You can always open a savings account anytime.
Todd *******
Todd *******
@Bruce ********
if you love Thailand, like many of us do, you'll look for every excuse to go back often and or find a way to live there and call it home. It took me awhile to accomplish that. A bank account is a foothold and aging an account there, a good thing. Best wishes
Bruce *********
Bruce *********
OP
@Todd ******
I was using wise to wire money from America to my Thai Bank. I will keep my account open there just in case I decide to go back in the next year or two
Todd *******
Todd *******
Spell check is funny "tire" of course means "Thai"
Todd *******
Todd *******
@Bruce ********
understand now. Assuming you want to keep your account or accounts, a while ago that could have been a problem with minimums, but now there are excellent apps that are solely for the purpose of transferring money around the world to different accounts that you own. You can certainly refresh your accounts here in Thailand easily but at minimal levels. I like the app Transferwise, now renamed "wise" it's phenomenal in my opinion. I can move money in and out of my tire accounts within the course of a few minutes. The bank sends me an email "deposit arrived" it is backed up by the bank of England by the way.
Bruce *********
Bruce *********
OP
@Todd ******
not if I'm under 50 and not working or retiired
Ադամ ********
Ադամ ********
Keep a small amount in and send a small transfer via Wise every 6 months
Colin ********
Colin ********
I cannot use the online banking either because it's tied to my Thai number which of course is also invalid now
Colin ********
Colin ********
I've had 75,000 thb in my Krunsgri bank due to the pandemic I have been stuff in China and cannot update the app and my ATM card is invalid. According to the online statement everything is there still. I'm assuming when I return I can just updated my bank book, app and ATM card etc?
Steve ********
Steve ********
Just set up internet banking keep swapping money around it never close
Nick ****************
Nick ****************
I would leave 1000 baht that will easily cover the annual 300 - 350 debit card charge which is the main reason accounts get closed.
Mu ****
Mu ****
If ypu only leave100 thb then this enough. Only importance is that you keep your account working... depositfrom time to time 100 baht. That worked fine for me...
Mitchell *******
Mitchell *******
Best to ask your bank directly. And there may be low balance fees etc as well.
Andy ***********
Andy ***********
Accounts get deactivated after 1 year no use and after 2 years closed … i would get internet bank app and send a few dollars to account every year ..
Mark ***********
Mark ***********
Use the banking app, and buy something on Lazada for 40 baht, every 6 months. The activity will likely keep your account open.
Robert **********
Robert **********
Donate ฿100 to a charity once in awhile, or topup your thai sim card
Christo *****************
Christo *****************
Internet banking? U can transfer to top up
David ***
David ***
2K is enough
John *********
John *********
Lousy time to be changing baht for dollars with weak baht.
Bruce *********
Bruce *********
OP
@John ********
I'm not stressing out over it.
Khurrum ********
Khurrum ********
1000,2000 will be okay.

I was out of Thailand about 25 months,

As I come back I visited my account opening branch they took my passport copy and visa copy and within 3,4 days my account was active,

My account was inactive because I didn't have had app on my mobile but if you have app nothing will happen account will be okay.
Del ******
Del ******
You have to put in a small amount every 3 or 6 months .. if dormant for that period .. it would be blocked then closed .
Richard *******
Richard *******
I would pull out most leaving 1000-2000 baht.
Acharaporn *************
Acharaporn *************
You have to leave atlases 2,000 THB without transaction or at lease 1 transaction per year for every Thai bank
Michael ******
Michael ******
Why not ask Bank, but Kasikorn requires minimum 2,000bht otherwise they charge 50bht a year.
Ivan ************
Ivan ************
@Mic****
they all do, the 2,000B is set in law rather than something the banks picked themselves.
Tony *********
Tony *********
With my bank you have to make at least one transaction per year for the account to remain active.
Bobby ********
Bobby ********
@Bruce ********
Open a second bank account (perhaps an ongoing term deposit) and simply transfer 100 baht every few months from one to the other to keep both accounts active. As Tony says non-activity will result in the account being closed and although it's easy to reinstate the account you have to be physically there to do it. A simple regular transfer will do the trick
Tony *********
Tony *********
@Bruce ********
I'm assuming you have the banking app on your phone so you could do that from the US.
Tony *********
Tony *********
@Bruce ********
it doesn't matter what the transaction is. You could transfer 50 baht into a mobile phone account for instance.
Bruce *********
Bruce *********
OP
@Tony ********
I'm sure I'll do that. Maybe I'll order from Lazada and have items shipped to my home in Los Angeles
Jim ***********
Jim ***********
5000 left in my account
Jim ***********
Jim ***********
Jim ***********
Jim ***********
@Bruce ********
since February
Bruce *********
Bruce *********
OP
@Jim **********
how long have you been out of the country for?
Rampi ********
Rampi ********
Get the account on your phone. Keep a small balance here.
Wilmont ******
Wilmont ******
@Dana ******
For me it’s both
Ekkehard *******
Ekkehard *******
@Frankie *******
I use AIS One-2-Call prepaid with roaming for years already without problems.
Frankie ********
Frankie ********
@Dana ******
I have Postpaid. I’m not sure if your service provider offer international roaming for Prepaid.
Dana *******
Dana *******
@Wilmont *****
Do you mean the PC-Online banking or the Phone App Banking... ?
Dana *******
Dana *******
@Frankie *******
How about a PREPAID SIM ? How do you keep it active abroad so that you can receive an SMS from the bank ?
Dana *******
Dana *******
@Rampi *******
Do you receive a SMS EACH time you want to access your bank APPS ? (Not talking PC e-banking..)
Frankie ********
Frankie ********
@Dana ******
The Thai SIM card will remain active as long as the monthly bill is paid;furthermore, you must must activate international roaming service with your provider.
Wolfgang *******
Wolfgang *******
@Dana ******
This is working. But notification to the Thai phone number doesn't
Wilmont ******
Wilmont ******
@Bruce ********
Someone told me that my online banking won’t work from the US. Don’t know if it’s true because that’s what I had in my plans. Furthermore it seems that only a Bangkok bank works but then again I don’t know but a bank manager told me it does.
Rampi ********
Rampi ********
@Bruce ********
problem aa sms will go to the thai number.
Dana *******
Dana *******
@Bruce ********
Question : if you remove your Thai SIM and replace it with your USA SIM once in the US, will you still have access to your Thai bank phone Apps ?
Bruce *********
Bruce *********
OP
@Rampi *******
500 baht you mean?
Rampi ********
Rampi ********
@Bruce ********
$500 more than sufficient
Bruce *********
Bruce *********
OP
@Rampi *******
I have the phone app. I'll probably leave $1,000 in there and periodically dump into the account 10 or 15 bucks every 6 months just so there's some activity.
Terry **********
Terry **********
Leave 1000 baht in
Ron ******************
Ron ******************
Enough to cover your annual banking/card fees.
Ron ******************
Ron ******************
Bruce *********
Bruce *********
OP
@Graham *****
my annual fees are 400 baht. I may leave a thousand baht in there and periodically just transfer 10 bucks every 6 months or something.
Graham ******
Graham ******
@Ron *****************
And a little to extend the life of your Thai sim if you want to keep the number
Stuart *********
Stuart *********
You can withdraw most of it. Leave some and the account will remain open for a while. Probably best to keep it active over the years by dropping a small amount in from time to time. Thai banks don’t care about the actual balance, only that if it’s inactive for a period of time.
Bob ********
Bob ********
@Stuart ********
I usually withdraw a tiny amount ever few months when I'm abroad for more than a year, just to show a transaction in the a/c.
Nick ************
Nick ************
Brett **********
Brett **********
@Bruce ********
I think the suggestion was made as a simple way to keep your account active by purchasing something you will likely use
Bruce *********
Bruce *********
OP
@Brett *********
I never brought up the issue of Netflix. I don't know why this is such a big talking point. I won't be paying for Netflix with my Thai bank account.
Brett **********
Brett **********
@Bruce ********
you can use in USA. Netflix shows the content of whatever territory you are in. No need for VPN unless you want to watch Thai Netflix in US
Jonas *************
Jonas *************
It's Netflix mobile from Thailand not working abroad?
Wilhelmina ********
Wilhelmina ********
Sorry, but it was already mentioned 2k and it won't close. So, probably, add something more esp. for unexpected fees if you're holding a card.
Adam **********
Adam **********
@Bruce ********
are you sure ? I use Netflix in Thailand via a netflix account that is paid for in the UK.
Stuart *********
Stuart *********
@Bruce ********
You can get a router on Amazon for a few bucks that will do a “network system wide” VPN. No idea if it’ll help.
Bruce *********
Bruce *********
OP
@Ronan ******
unfortunately if I pay for Netflix in Thailand it won't be able to use it in the United States. Also my 85 in TV in Los Angeles doesn't have VPN ability.
Ronan *******
Ronan *******
@Stuart ********
Absolutely agree ...use the app to pay for something on line

I've heard of guys been charged because they didn't use it during pandemic ....pay for netflixs through it

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