This is NOT an official government website. We are an independent resource providing information and assistance to travelers.

Is it difficult to open a bank account in Thailand with a Non-O marriage visa?

Jul 21, 2025
12 days ago
Yanko ********
ORIGINAL POSTER
Hello, everyone!

There are a lot of reports of people not being able to open a bank account now even on non-o marriage visas.

Anyone had experience opening bank account with non-o marriage visa recently?

I don't understand how we are supposed to do our 1-year extension if they refuse us to open a bank account.
5,765
views
12
likes
206
all likes
121
replies
0
images
33
users
TLDR : Answer Summary
Many expats are facing difficulties opening bank accounts in Thailand with a Non-O marriage visa. Experiences shared by users indicate mixed results, with some successfully opening accounts while others report being denied due to varying requirements from different banks. It is suggested that obtaining assistance from an agency or having a Thai spouse communicate with bank staff may facilitate the process. The general consensus is that knowledge of current banking requirements and potentially providing more documentation can improve chances of success. Users share firsthand experiences, emphasizing the importance of location and the bank's understanding of foreigner's situations.
NON-O RETIREMENT VISA RESOURCES / SERVICES
  • Go to the Retirement Visa Section for information on requirements, including age restrictions, financial requirements, and necessary documentation.
  • For immediate assistance, contact Thai Visa Centre directly via LINE at @ThaiVisaCentre or Email them.
  • Explore recent discussions by using the Non-O Retirement Visa tag in the search box at the top of the page.
  • Join the Thai Visa Advice Facebook Group to ask your questions, and get advice from others.
Bobby **********
I got one three weeks ago at kasikorn. No problem at all.
Steven *********
Following
Sean ********
Hi Yanko

Please look at my post last week dated the 14 July for help.

Hope it all works out for you.
Yanko ********
ORIGINAL POSTER
Hi, Sean! Thank you so much! Very helpful. You are the best.
Sean ********
Well put, nice to see someone who knows the correct procedure.
Jim *******
@Sean *******
The correct proceure is one that gives the expected result
Sean ********
@Jim ******
get a life, and try to be positive and help people, instead of being a dick.
Sean ********
@Jim ******
get a life, and try to be positive and help people, instead of being a dick.
Jim *******
Thais are dicks, not me. Shunning away what the real problem is.

My company, work from home, but only within the same Tax juristiction where you are employed, the same juristiction.,

If Massachusets, no work from Florida or Hawaii.

Dicks like you will never understand that.
Nongnuch ********
Fact is, you can get a Thai bank account opened on ANY Non-Imm visaclass

However, what we get reported is, most bank staff have no idea what to do if the applicant is a foreigner. They will dream up random requirements so they avoid to tell you they don’t know. It’s all about “face saving”

That’s why I suggest before you try that by yourself, let an agent help you. Moving to a more touristic area also helps -so you should plan to set up residence in Pattaya for a few days

It should cost around 5000 THB to get a bank account opened by an agent, at least that's the price in Pattaya

The most basic requirements from banks are:

*** a printed-out Non-Imm-O Visa Type or the Extension of the Stay permit out of it

*** a Thai mobile phone number with a SIM-card registered in the name of the account applicant (receipt from the phone shop)

*** a certificate of residence from Immigration which you can pick up if you are properly registered per TM30 in your accommodation

You DON’T NEED:

***a yellow housebook

*** a marriage certificate

*** the birth certificate of your grandmother

*** your drivers licence

What you CAN’T DO:

*** there is no bank account opening possible for people on touristic visa (DTV included) or visa-exempt entries

Good Luck, go ahead, book an agent service, and by the evening you will have a Thai bank account
Ron ******
@Nongnuch *******
It doesn't really matter what YOU think they require! You either provide what they ask for or go elsewhere and/or use an agent like you say.
Nongnuch ********
@Ron *****
my point was that your drivers licence, your rental contract or your grandmother's birthday HAS TO BE irrelevant to a bank. It is absolutely incompetent from a bank clerk to ask you for these things. What's needed by 99.9% of all Thai banks is your long-term stay permit extension (which can be your Non-Imm Family extension ) or your Non-Imm-visa class (can be your 90-days retirement or marriage visa), a certificate of residency from your Immigration and your Thai mobile number. All other required things are those dreamed up by incompentent clerks
Ron ******
@Nongnuch *******
Never said you can't open one on a Non-Imm visa.
Jim *******
Really? If you have been married to a Thai national twice, you can open two bank accounts?
Jo **********
you can open a thai bank account if you are married to a Thai national
Brendan ********
Yes managed it . But hard work . On a non o visa
Ally ************
If someone is on a 90-day non-o based on marriage.. it makes sense to go to your wife's bank and get her to explain the need.. and perhaps plant the seed that you will eventually be transferring chunks of your overseas wealth into said account.. at the same time enquiring if they have a health insurance policy you might consider when yours is up for renewal.. show them some potential for 'business' in return for their assistance and they may be more helpful.. regardless of your future intentions.. you need to 'play the game' to give them some encouragement 😉
Jim *******
@Ally ***********
No health insurance needed (family are Thai nationals), no word about transferring the funds. The funds are my business when the renewal (extension) time comes up.

We are actually permanent residents in Japan, our home is there. The daughter is also an Australian citizen, full time student in Australia, Medicare. We plan to live in Bangkok 6 months a year, to avoid Japanese winter.
Ally ************
@Jim ******
I didn't suggest you bought anything from the bank.. simply that you massaged their ego with the 'thought' that you might.. which was a ruse to heighten their receptiveness 😉
Ian ********
Never had a problem
Ron ******
Opened with Kasikorn in Big C Nakhon Phanom a couple of weeks ago. Passport, Non-Imm O visa, foreign marriage certificate translated and legalized, yellow book (we own our own home), wife's blue book and ID card. Think that was about it. If you're renting take your rental agreement, residency certificate. If you have a Thai driver licence that'll help. The more you can bombard them with the better, they'll likely photocopy everything you offer whether they need it or not. Not much else you can do really short of using an agent if you're in one of the main areas.
Bill **********
Thai Visa is advertising opening bank accounts and visas for retirement ,

.
Jim *******
@Bill *********
What is that site? Thai Visa Center?
Bill **********
Philip ***********
When you are married or have property, you can open even if you don't have long term visa At least that's what they told me at Bangkok bank in Phuket .. if you have non o, there should never be a problem
Jo **********
@Philip **********
that’s correct. You only need to married to Thai national to open an account.
Scotty *******
Had the same problem 1 year ago managed to get one with krungsi had all documentation many branches just said no straight out and one bank they had the passbook and card already to give me I had paid the deposit to open account and a lady came out and said the manager said I could not get the account anyway I got one now hope you all find a solution
Lee *************
Yep its very hard, my wife wouldn't take no for an answer, the branch managers are unable to make a decision and leave it up to head office in Bangkok. It can be done but you will need to shop around and have a wife that knows how to sort them out.
Doug ********
I managed to get one on a non o 90 day in June. Three say no krungsri say yes. Definitely getting harder so god knows how meant to get extension as cannot satisfy immigrations bank requirements.

Something or someone has to give or will be forced to always pay agent high prices which will get even higher as demand gets greater.

I wonder if Thai govt know the position to get expats to stay ia actually becoming impossible as banks and immigration dail to work together apparently
Abu ********
Please someone help me regarding withdrawal cash Thai bath from bank using dual currency debit card. Sorry for drawing your attention to a different issue.
Pete *******
There is lots of people posting absolute rubbish about the current banking situation. Opening a bank account on a Non-O is no more difficult now than it was in previous years. Yes people have issues, trying to open an account in Nakhon Nowhere is going to more difficult than in a tourist area. All the people reporting problems have not supplied any facts regarding the documentation the banks are asking for. Every list I have seen requires a long stay visa. Not a single report that a branch requires you to be on an extension of stay in order to open an account. If someone has such evidence please post it.
Doug ********
@Pete ******
..you post at 2am Thailand time.. wonder if you even in Thailand 🤡
Doug ********
@Pete ******
you still harping on and insist you deserve proof. Not long ago you said no one even posted saying they even had this problem and I proved you wrong then. And still you deny and insist everyone wrong except you . What a egotistical gut you are..
Pete *******
@Doug *******
you recently posted that you were able to open a bank account on a Non-O. So all your bleating about not being able to open an account on a Non-O was just you whining because you didn’t do prior research on what is actually required to open an account at a particular branch.
Doug ********
Pete Powerwrong. And you never answered the main question so you are a clown. Go to 4 banks. All with same paperwork. Three say no. One say yes.

Simple question to you as before. WHY..?
Pete *******
@Doug *******
“an” “guy”….
Pete *******
@Doug *******
I still insist you are all not denied accounts because you hold a Non-O visa. You are denied because you do not meet their requirements.
Doug ********
@Pete ******
and hey...you know... because you was there lol
Doug ********
Tony *****
@Pete ******
you’re talking out of your arse. In the last 7 days I visited numerous branches of both SCB and Kasikorn.

I had with me, COR, Non O initial 90day visa, copies of passport. Utility bill, rental lease.

They insisted I needed to be married to a Thai national in order to be even considered for a bank account. My Thai Fiancé asked what the problem is. The staff from three banks told us that the previous week local banks held staff meetings where the issue from Pattaya and Chinese launder accounts was discussed. The direction to ALL staff at ALL these banks was to not open accounts to foreigners unless either on marriage visas or in possession of yellow house book.

Now I’ll caveat that with the area as I know your comeback will be try other reasons and I agree. It was In Phitsanulok and Phetchabun.

Yes it will be easier in places like Pattaya and Bangkok but the point is those banks staff all told us that it has all changed in the last 2 weeks with regards to opening bank accounts for foreigners. They think it will settle down again once the fallout becomes clear.

BUT

To accuse people of speaking rubbish is just both wrong and unhelpful. Most People have been telling of THEIR personal experiences in their areas which is exactly what this group is for. Up to date on the ground real time information, not the thoughts of people who are settled for a while who sorted themselves when things were so much easier.
Doug ********
@Tony ****
mate Pete power is a clown and only believes in his own experiences. Basically call me a liar a few days ago as I had no evidence that three banks refused me an account and that it was because I didn't meet their requirements. Had many similar comments to you from the banks about marriage and yellow books etc. great if your married or have a yellow books.

Live your reply to Pete power sums him up a bit better than me as I just lose patience with the clown 🤡
Jim *******
@Tony ****
The result is the same, your and my experience. NO bank account.
Tony *****
@Jim ******
yup. I eventually opened an account with Krungthai with no questions whatsoever. I know there’s concern with transactions being labelled as overseas but when I do wise transfers Krungthai give the code XBSDT. in Krungthai bank codes that means overseas transfer
Pete *******
@Jim ******
yep nothing to do with holding a Non-O visa and everything to do with not satisfying the opening requirements.
Pete *******
Again nothing to do with holding a Non-O and everything to do with not fulfilling the branch requirements for opening an account.
Doug ********
@Pete ******
again you clown 🤡
Tony *****
@Pete ******
you’re playing with words. All those Branch requirements were either marriage or yellow book. In order to get the yellow book my local Amphur required me to be married. These are facts not opinions. I’m on a Non O for retirement not a Non O for marriage so it had everything to do with the visa type.
Doug ********
@Tony ****
Pete power won't believe you ..you have to get written evidence for him as he is the all knowing great one .even his name is made up pete POWER...lol sounds like a name from captain marvel film or something 😁
Pete *******
@Doug *******
unfortunately your comments confirm your intellect.
Pete *******
@Doug *******
if you are going to insult me at the very least learn to spell and be grammatically correct.
Doug ********
Doug ********
@Tony ****
Pete power is always right mate,he is a politician...never answers but demand answers to him and proof. Ignore him is a self indulgent bell end
Pete *******
@Doug *******
correct I operate on facts not opinions.
Doug ********
@Pete ******
again 🤡
Doug ********
Jim *******
@Pete ******
And I have no facts? Doing the yellow book process now. Even an interview with the District Council has been set.
Jim *******
@Pete ******
You are talking rubbish. 5 banks, some not even let me sit down, Thai wife with me. Where is yellow book, where is Immigration cetrificate of residence. Non O 90 days visa on its own was worthless.
Jim *******
Really?

To have yellow book, may take months, even requires bank pass book for the application. How would I have bank account without an agency?

I am doing it now (an agency opened my bank account). Wife and daughter (Thai nationals) are in Blue book and have their Bank passbooks.

Condo purchase contract (my name in there, in Thai)

Mariage certificate (in Thai)

Daughter birth certificate (in Thai)

Passport bio page certified by Australian embassy

Passport stamp pages certified by Thai MFA, my attorney did that today)

4 pages application for the District Council, in Thai (the attorney gave me the form in English)

One page (free form text) about our relationship history, my wife had to fill it in, in Thai

To be more convincing, the Attorney asked if we can (we can) supply pictures like my wife's graduation and the Princess Maha Chakri handing over the University diploma

My daughter's graduation, in Nagoya, Japan, with the square cap, gown and us standing with her
Pete *******
@Jim ******
you go to the bank and request list of documents required to open an account and then compile the required documents. That’s it.
Pete *******
@Jim ******
you prove my point precisely. You failed to open an account because the branch requirement was for you to have a yellow book NOT because you held a Non-O. I refer you back to my original comment.
Graham ******
@Jim ******
Nobody has said all you need is a Non-O, that's the starting point
Bob **********
Obviously you haven’t tried yet give it a shot
William *********
Let your wife do the talking
Steve *********
I opened one within a week of being here,no hassle what so ever 🤷‍♂️
Jim *******
@Steve ********
You people are Supermen, those like you do not even use toilet paper.
Glenn *****
@Steve ********
is useless. Unless you say when you did it
Steve *********
@Glenn ****
a month ago
Willy *******
@Glenn ****
I opened last Friday in Pattaya. No agent.
Andy *******
@Steve ********
20 years ago ?
Peter *********
You would have opened a bank account already if you have a non o vise for marriage surely ?
Jim *******
@Greg **********
Maybe, until 6 months ago. Try now.
Anna *********
@Jim ******
he did and was successful
Chris **********
Based on Retirement sorry should have mentioned in 1st reply
Chris **********
@Jim ******
With 1 year extension on non o
Chris **********
@Jim ******
July 21 @ 10:00 am successfully opened an account at Kasikorn Bank. Passport, Non O Visa and Lease agreement, no agent. My GF helped with translation but not necessary.
Jim *******
You can not. Some anegdotes here say Kashikorn bank would do it, but not every, I doubt any are doing that now.
Willy *******
@Jim ******
I opened last Friday in Pattaya with non- O. Took 30 minutes. No agent.
Jim *******
@Willy ******
Lucky you then.
Anna *********
@Jim ******
more proof that it is still possible in recent days😀
Anna *********
@Jim ******
tell that to all the people have successfully opened accounts in the last few weeks
Tony *****
@Anna ********
spoke with bank staff from several banks last week regarding the problem. 2 weeks ago , in many areas, banks were having staff meetings as a result of the Pattaya fraud accounts. They were instructed not to open accounts from foreigners unless either married or in receipt of a yellow house book. That was Kasikorn and SCB. admittedly some of the more expat areas it’ll be easier but staff in those banks we went to told us that it has all changed for them within the last week.

Took me three days but I finally opened with Krungthai. This in the Phetchabun/phitsanulok areas.
Anna *********
@Tony ****
but you did open one which is great Jim’s answer was a blanket no which is not correct as you have proven
Tony *****
@Anna ********
yes. But the strength of this group is ground truth on what’s happening NOW not two years ago or even 6 months ago. Things have dramatically changed in the last two weeks due to the news in Pattaya. And that’s not me saying but bank staff.

It’s good if those that us that have faced challenges very recently share this so a picture can be built up of area and trends. After all this is a support and advice group
Anna *********
@Tony ****
I know things have changed recently but as Jim proves you can still open an account now it’s just not easy
Jim *******
@Tony ****
My account was open with Krung Thai Bank, via visa agency, July 7th 2025.
Greg ***********
On any Non-Imm visa class you can get a Thai bank account opened

Many bank staff but have no idea what to do if the applicant is a foreigner, and will dream up random requirements so they avoid to tell you they don’t know. It’s all about “face saving”-

That’s why I suggest before you try that by yourself, let an agent help you.

It should cost around 5000 THB to get a bank account opened by an agent, at least that's the price in Pattaya
Rodrigo *********
@Greg **********
you said any type of non imm visas can open a bank account, is that means if i have an non imm-ED visa (language course).. will be able to open a bank account?
Brandon ************
@Rodrigo ********
If you find the right bank branch, maybe. But they know that visa is not actually long-term, because it cannot last more than a year.
Tony *****
@Greg **********
nope. I’m on a Non O for retirement. 4 days and numerous branches of both Kasikorn and SCB in the petchabun/phitsanulok areas denied at all. Krungthai in the end accommodated me without any fuss

It should be ok with a marriage visa as all those that refused me wanted a marriage visa before they would consider me
Greg ***********
@Tony ****
your area is non-touristic, that's why all these bank staff didn't have any clue. In Pattaya, if you have entered on any Non-Imm visaclass, it's possible to get a bank account opened. If you want to do it seamlessly, just use an agent, it costs 5000 THB
David *******
@Greg **********
avoid the agents if at all possible. Don't fuel the corruption industry. Banks will open accounts against 90 day non O visas. That's the purpose of 90 day non O. 60 days 800k balance then 4 weeks to obtain one year extension. Ask yourself why Vietnam has none of the "financial requirements" specified for Thai visas? Money money money. The thai obsession.
Sue **********
@David ******
Vietnam has no retirement visa at all, and its very complicated to get any kind of visa there you can only stay 90 days
David *******
@Sue *********
90 days then a fortnight in Cambodia. Return to Vietnam for 21 days (visa on arrival ) then depart. Wash and repeat etc. Approximately 125 days...can do it twice a year
Tony *****
@David ******
but therein lies the problem. Many of us are now finding that banks are refusing to open accounts for someone on a non O retirement visa!! Even when explained the need for the 800k for extension of stay they still refused. We were told it’s due to the fall out of the Pattaya Chinese laundering accounts. So whilst it’s possible it’s much more difficult
Jim *******
An agency. You cannot do it yourself even with "O" visa.
Leatrice *****************
@Jim ******
you can, it's just getting more difficult
Max *************
@Leatrice ****************
You will wear your boots off. It's doable,yes, but it might be time consuming. 😎
Pete *******
Max *************
On a proper long term visa,when meeting the requirements, you can open a bank account. A 90-days non-O is not a long term visa.This is a major problem for people about to apply for a 1 year extension.
Nongnuch ********
@Max ************
a 90-days Non-Imm-O visa is regarded a "long term" visa, as it allows you to change it into a "1-year Extended Stay Permit". You have ALWAYS been able to get a bank account opened on this visa, and it STILL IS POSSIBLE. You need a Thai mobile number and a certificate of residence from Immgration besides the printed out E-Visa
Max *************
@Nongnuch *******
You're as always reading to fast. Many bank branches do NOT consider a 90 days non-O to be a long term visa. That's the problem even if the person applying for a bank account is about to apply for a 1 year extension later.Get it? It's a catch-22 for many people at the moment.
Nongnuch ********
@Max ************
you are wrong, wrong, wrong . . . . . no, it is not a Catch22 situation. A 90-days Non-Imm-O visaclass, along with acertificate of residence and a Thai mobile phone number, is sufficient to get a bank account opened. It is just incompetence of the banking staff that makes them pull random requirements out of their noses.
Doug ********
@Nongnuch *******
possible.but many banks refuse still
Max *************
@Doug *******
You're correct,they do. 👍
Graeme ******
@Max ************
a non O over 50 visa or marriage visa are long term visas
Max *************
@Graeme *****
Many bank branches don't consider 90 days to be long term. Thats what I'm saying.
Jim *******
90 days is a "long term" visa? I am on 90 days non "O" now. Is it a "long term"?
Max *************
@Jim ******
Go to 10 bank branches and ask that question. Imo it isn't, but a bank with a well-informed customer service should know that a 90 days non-O is the first step to a 1 year extension.
Jim *******
@Max ************
I said, 2 of five brances of Thai banks just looked at my passport and did not even let me to sit down and talk. My Thai wife of 25 years was with me. Going rounds, for days, until I get lucky?
Nongnuch ********
@Jim ******
this guy Max is in the wrong and he is too hard headed to realize it. Forget, you better ignore him. Go visit F.S. Consulting or Mot's, and you will hold a bank account by the next day
Max *************
@Jim ******
Yes,that might actually be the solution. I did say a proper long term visa,not a 90 days non-O. So why did they reject you just by looking at your passport? Please tell. Are you by any chance from the US?
Jim *******
@Max ************
Auatralian passport. And "O" visa, 90 days.
Max *************
@Jim ******
Which banks was it? And where?
Marianne ********
@Jim ******
Getting one opened tomorrow. Just myself, and the required documents. No agent.
Jim *******
@Marianne *******
Did you open it?
Marianne ********
@Jim ******
Not tomorrow yet. 😛

However, I answered this while sleep deprived and didn't read things through properly.

I am already on a extension of stay based on marriage, and I have a account from before. Just want to open another one for saving.

But the required documents for me will be the residence certificate, my marriage certificate ( I got married in Thailand, foreign marriage documents will probably require a bit more ) and my passport.

Kasikorn in Cha Am.

I will try to remember to ask them how to proceed if one does not already have the extension of stay.
TG *********
@Marianne *******
And how did it go?
Richard *********
@Marianne *******
what are the required documents?
Max *************
@Jim ******
You can open an account on a long term visa,which means at least 1 year.
Brandon ************
@Max ************
a non-immigrant visa is a long-term visa.
Max *************
@Brandon ***********
Try to explain that to a Thai bank. Many branches don't consider a 90 days non-O visa to be a long term visa.I don't know how many posts I've read the last two weeks here on FB about that.
Thai Visa Advice and Everything Else
... members · 60% approval rate
The Thai Visa Advice And Everything Else group allows for a broad range of discussions on life in Thailand, beyond just visa inquiries.
Join the Group
Thai Visa Advice and Everything Else
View the Conversation
Thai Visa Advice and Everything Else