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Is it possible to obtain a 15-month visa in Thailand and what are the conditions?

Apr 16, 2025
3 days ago
Floyd ******
ORIGINAL POSTER
I have an agent offering 15 month Visa is this possible and what is conditions
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TLDR : Answer Summary
The claim of a 15-month visa in Thailand typically refers to a combination of a 30-day entry visa, followed by a 60-day extension, and culminating in a 12-month retirement visa extension. While this can be facilitated by an agent, many opinions suggest that individuals can navigate the process independently to avoid potential issues with visa legality and agent practices. Key considerations include having the required funds in a Thai bank account, compliance with visa regulations, and the risks associated with using agents for processing.
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.
Neil **********
Don't have nothing to do with agencies in Thailand

If you've got plenty of money in your pockets okay
Louix **************
Not possible
Arthur ************
Just use a reputable agent
Ken *********
@Arthur ***********
I am going to get the the DTV visa...it's good for 5 yea a. You need the do tye run for the border every 6 months.. we will travel a lot. This won't be a problem. I will convert to an elite visa in the future.
John ********
Ask him!
Keith ********
Scam
Chris *******
You can have a 12 month visa issued upto 3 months in advance ... therefore 15 months
THAI ******************************
Our team can handle everything for you when arriving on a Tourist visa, or Exempt Entry.

The total cost is ฿50,000, broken down as follows:

- ฿13,000 for bank account opening

- ฿23,000 for a 3-month Non-O visa

- ฿14,000 for the 1-year extension

However, if you apply for the Non-O visa from your home country and arrive in Thailand with it already in hand, you might be able to open a bank account yourself and skip the first row listed costs.

We also offer a expedited service where we do everything in one day for you all through Chaengwattana immigration.

For Bangkok we offer door to door services, and if you are outside of bangkok, and already have a bank account we can service you by secure post.

You can contact us via LINE ( https://tvc.co.th/line ), or EMAIL (
**************
**********************
), or EMAIL ( help@tvc.co.th ).
Vincent **********
@THAI *****************************
bonjour, un agent a Pattaya m'a fait la même offre que vous mais pour les années suivantes peut ont renouvelé avec l'agent chaque année toujours sans déposer les 800.000 bath ou bien ?? Merci par avance
Lawson ********
I had a 1 year visa many years ago, and it was good for 15 months. I don't remember exactly why, but the process just worked out that way.
Yadav *******
12+3 months non immigrants
Rab **********
Apply online for a 3-month visa and then get your 12-month retirement visa when you get there 🙂 and if you get your 3-month visa visa before you go, it will save you money :)
Ar *******
Have the restrictions on bank accounts been relaxed? My friend tried to get retirement visa last month but agents in Pattaya couldn’t open bank account to meet the visa requirements. I read on this forum that some agents had announced that they couldn’t open accounts .
THAI ******************************
@Ar ******
We do not have issues with assistance opening bank accounts for our retiree clients 🙏
Ar *******
@THAI *****************************
thanks that’s good to know , friend is in Cambodia , Laos and phillipines return September so I’ll let him know
Nata****
It’s a ED on an university, I had it. Was great and the teacher where great.
Mushfiq *********
@Nata****
may i know the name of the agency
Nata****
@Mushfiq ********
please send a pm
Cymraeg *******
The first retirement visa is 15 months.
Freddie *********
Not true now only 30 days only
Bruce ********
The initial visa is 15 months and then renews for 12 months at a time.
Ronald *****
All I noe I paid 25k baht and had 12mths plus 3 mtnhs, total 15mths. I did not renew when expires last mth.
Jonathan **********
Just get DTV
Porky ******
Kinda true

I recently got mine

3 month Non-O and a

12 month retirement visa

37k฿ or 41k฿ if you want multiple entry
Mushfiq *********
@Porky *****
from which agency?
Grandpappa **********
Good
Lion *****************************
I dont understand this fixation and recommendations to use Agents..

The process is quite simple and you can get the correct advice at an immigration office..

In the past when Immigration has cracked-down on agents for various "activities" outside the real rules; then the Visa holder /customer is held liable if you have the wrong visa or it was obtained by "questionable" means.!! Your Visa is your responsibility, please check with immigration direct.
Troels ******
@Lion ****************************
Immigrations are now stating (per card in my passport) money has to be in bank for 2 months before and 3 months after application. I reckon this is to stop agents putting money in. Same way they stopped agents doing 90 day reporting on-line- now only in person. Probably next thing is to stop agents doing driving tests by requiring passport to be shown when test is taken. I have never had a problem getting my visa based on monthly income.
Lion *****************************
@Troels *****
Exactly agree... Weve been here 36 years..and been thru many rounds of changes by immigration and other rules... Technically for driving test you must go personally - so agents are "circumventing" the rules.. With immigration whats the problem going to do it by ourrselves... It is Easy...!! So many people do not realise that Agents are there to get paid... but actually there services are not required or they are doing something wrong...which in the end the customer will be penalised for...
Floyd ******
ORIGINAL POSTER
@Lion ****************************
if you know nobody in the country and you're not familiar with computers and doing the paperwork an agent makes sense
Lion *****************************
@Floyd *****
My friend visiting from Poland wanted to extrnd his Visa on Arrival. Yesterday he went to Immigration and it was completed in 10 minutes. He received a 30 day extension for 1,900- baht.. His first experience at Immigration. He said it was easy. and No agent.
Roger *********
This may be a stupid question but can he 800,000 be put in an interest baring account. like a 12 cd or equivalent. I ravel myself on tourist visas and if I need to change that I will go to the Embassy for advice.
Todd *********
@Lion ****************************
you don't understand?? How is that possible? Does leaving 800k baht in a thai bank account at zero or ultra low interest make any financial sense at all? The answer is no. Leave the 800k invested elsewhere. At merely 5% it generate 40k baht annually, which pays the 15 k renewal fee and puts another 25k in your pocket while you let the agent do the work for you. Just as it has been done for many years
Lion *****************************
@Todd ********
What you do is up to you! Isnt it! Dont force your ideas on others.! Weve never had a problem in 30+ years dealing direct with Immigration. And have seen many times people have problems with 'agents'. Thats how its possible.🙄
Sujy *********
@Lion ****************************
You asked why, got told why, double down on the why...? Grow up, you got caught lscking knowledge, it happen, be humble.
Lion *****************************
Todd *********
@Lion ****************************
yes it is up to me. So why are you trying to force your silly idea on everyone here. If you love standing in line every year at government offices, that’s great. Some will do anything they are told.

Not having a problem in 30 years is hardly unusual. A chimpanzee can do it themselves. But they are making chimpanzee style financial decisions. But judging by the many discussions here, many more people have problems with immigration than reputable agencies don’t they?
John ********
Can only snigger at some of these useless answers ! 😅
Metty *******
Your first retirement visa yes
Michael ******
Yeah, they market them as 15 month because they bring you in on a 60 day, then do the paperwork for the real visa, extend 30, then move to the year long visa.
Michael ******
@Todd ********
more than one way to skin a cat Brother. Im sure they do the 90 day non into retirement visa you mentioned. I also know they do the exempt, extension, into 1 year visa, as I did it. 😂 Unless you are saying that over the last year everything changed and now visa agents with 15 month offers only work with people that meet the retirement age. In which case I suppose my information is out dated and they are horrible at buisness. Unlikely.
Todd *********
@Michael *****
no you didn’t do it. There is no ‘extension’ possible for 60 day visa exempt past the 30 day extension. You can only extend a visa. Not a visa exemption. It’s the way it’s been for over 20 years
Michael ******
@Todd ********
oh yeah I see where you are confused now. You misread my original comment. 60 day. + extension, then a 12 month ed visa. Not extend exemption for 12 months. That would just be silly. Why you went through all this trouble to look like a fool instead of minding your buisness is a mystery.
Todd *********
@Michael *****
lol. Happy you figured it out now you absolutely daft w ⚓️😂😂😂😂 you don’t know your head from your ass about visas. Floyd isn’t looking for an Ed visa lol.
Michael ******
@Todd ********
figured out what you were confused about? Aww he struggles with reading as well. Poor thing. Dont mention it champ. Songkran is the time we help out our senior citizens after all. 🤠
Todd *********
@Michael *****
awww a cute newbie boy with an Ed visa. 🤨? Ur welcome for the education
Michael ******
@Todd ********
while its been a while since I have been on an ED visa, I do appreciate you calling me cute 🥺. Unfortunately I am very straight Todd, sorry 😬. But hey, if you can go a night without your depends or a dementia episode Im sure you can find what you are looking for down in the Silom area. Wish you the best 🙏
Michael ******
@Todd ********
for education purposes...
Michael ******
@Todd ********
uhh, Todd I think you are confused. Telling me what I did and then being blatantly wrong is wild my man. You are welcome to think whatever you like I guess. 😂
Todd *********
@Michael *****
They don't do that at all. They obtain a 90 day Non-O and then a one year extension for purpose of retirement
Michael ******
@Todd ********
Shame, I thought the 51st staters would be more clever. Instead they just repeat what you just said, apparently can't read, and their ego crumbles like a child when they are wrong. Mate, you could have just said "oops, that makes sense". Now look at us, both looking dumb arguing on the internet because old Todds extra fragile. 😆
Todd *********
@Michael *****
do you understand the concept of irony? Not taught in your village? mate - you fucked up. Sorted you out. Ur welcome. Now faack off.
Michael ******
@Todd ********
there it is, so fragile. Clearly stubborn as well. What did you sort out Toddy boy? Please do tell. I will wait.
Todd *********
@Michael *****
so no to irony… 😂😂😂😂I can only use you as my whipping boy for so long. You have your clear instructions. Carry on
Michael ******
@Todd ********
thats what I thought you little panzy 😂😂😂. On display for the world you "sorted" how pathetic you are. Congratulations.
Brandon ************
@Michael *****
Depends on the location. In Pattaya they get the entire 15 months all at once. But that makes it super obvious next year if you try to do it yourself that you used an agent, because that's impossible normally.
Michael ******
@Brandon ***********
interesting. What visa are they getting that runs 15 months? 🤔
Brandon ************
@Michael *****
It's not a 15 month visa. It's the 90 day non-O plus 1-year extension, but they get both in one trip to immigration.
Michael ******
@Brandon ***********
ahh yes, retirement visa. That makes sense.
Charles **********
I’ve never used an Agent, I did the application, bank documentation documents, etc., myself. Most Agents are paying off the Immigration Officer and many of them are Immigration Officers.
Todd *********
@Charles *********
you aren't actually keeping 800k doing nothing in a thai bank account are you?
Charles **********
@Todd ********
No, I had a minimum of 65,000 TB transferred to my Bangkok Bank Account from my U.S. Bank each month starting 14 months before I arrived there and each month while there for 2 years.
SJohn ********
Money buys everything.
Christian ********
Non O Multiple Entry. Makes it up to 15 Month.
Stevie ********
@Christian *******
multiple entry has no relevance to the length of time the non o is valid. It's 90 days plus year extension only on your first one. Like just about everyone on here has mentioned. Multiple, single or no entry makes no difference at all
Christian ********
@Stevie *******
The multiple Non O is valid one year. comming back one day bevore expire you get another 3 Month. so 14 Month and 29 days. You must leave the country every 90 days.
Todd *********
@Christian *******
you are deeply confused
Christian ********
@Todd ********
and I think you not really woke up. Offence to people for normal answers. You the big boss (:
Todd *********
@Christian *******
why are you making stuff up that you clearly don’t grasp?
Christian ********
@Todd ********
why you am telling rubbish?
Stevie ********
@Christian *******
you must leave the country every 90 days😱🤦no you don't FFS. You go to immigration to do a 90 day report
Brandon ************
@Christian *******
There is no multiple entry non-O visa. There is a 90 day single entry non-O visa and a 1-year extension. The last embassy that offered multiple entry for non-O visas was only for marriage, not for retirement, and they stopped on January 1st when all embassies worldwide switched to e-visa.
Christian ********
@Brandon ***********
ok did not know that.
Peter *********
90 days plus 1 year = 15 months.. I got the same !
Sean **********
Using an agent to get the bank account opened and process the immigration documentation correctly can be helpful first time around.

Beware! It is best to have your own funds ad required for the visa you are requesting. If the agent funds the account it is not legal and you will not meet the qualifications for renewal next year.
Gamalier ********
Does anyone know of a agent that speaks English that I could contact for my visas that would be best for me planning to visit in May and come back to Thailand in September to stay thank you in advance
Vincent **********
@Gamalier *******
tous les agents parlent anglais lol 😅
David ***********
@Gamalier *******
My Thai Visa
David ********
@Gamalier *******
Yes, call star Visa in Chiang Mai and ask for Nan. That’s who I’m using.
Pierre ********
@Gamalier *******
from personal experience I can highly recommend Thitsana at Baan Immigration in Bangkok.She had all the right answers and did everything correctly and the legal way and without fuss.
Todd *********
@Gamalier *******
yes
@THAI *****************************
runs this page. They can assist
Gamalier ********
@Todd ********
yes I’m already dealing with them seems to be very good so far
Sylvia ********
@Gamalier *******
currently most countries are given 60 visa exempt on arrival, just watch the posts as possibly will reduce to 30 days. What country passport do you hold? I see you have already asked this question in another group and been given alot of information. You need to apply for tourist visa online, not with an agent
Gamalier ********
@Sylvia *******
I’m a US citizen my plans are to move to Thailand in September but there’s been changes on visas at least that’s what I’ve been told I don’t need any drama so trying to get it done right
Stephen *********
Maybe go and ask a different agent 2 or 3
Gene *********
Usually costs
*****
baht -- saves a lot of hassle
Todd *********
@Gene ********
it NEVER costs 15,000 baht for a 3 month O visa and 12 month extension. A one year renewal via agent costs 13-18k baht.
Stevie ********
@Todd ********
7000 renewal with my agent
Todd *********
@Stevie *******
then they aren’t placing the 800k. Which is why people use agents
Stevie ********
@Todd ********
do you think I'm too stupid to know that the 800k that wasn't in my account before seeing my agent was magically put there by pixies??MY AGENT keep up Todd is 7000bht , still with me Todd? FOR R-E-N-E-W-A-L WITH THEM PAYING THE 800K.
Todd *********
@Stevie *******
yes, i do think so. But let's go with your explanation. Which agent are you using and i can reach out to them and get a quote. 7k is a great deal with them looking after everything. That would be awesome. Thanks
Stevie ********
@Todd ********
Double M tours, Soi Baukhao Pattaya. They've done everything for me from the first visa and open account to my renewal. All with them posting the 800k and they do my 90 report free of charge too. I can't speak highly enough of them 👍
Todd *********
@Stevie *******
thx. Will reach out. It’s a great price
Sylvia ********
@Gene ********
that's for renewal not first time. Cost generally around 35 to 45,000
Gene *********
You are getting screwed by the Visa Company
Todd *********
@Gene ********
no. the first time is always more. Only renewals around 15k
Brandon ************
@Gene ********
when was the last time you converted from tourist to retirement including adding a bank account? Because it's expensive now. And even more so over the last month
Dany ********
sounds like an ED visa with a university.
Martin *********
When you first land you'll get a 30-day visa, then the agent can get you a 60-day extension and then after that you get a 12-month extension. That can all be done on the same day with the help of the agent so your first retirement Visa has a total of 15 months. Yes you can do it yourself but many people choose to go with an agent because there are so many different versions of paperwork that you will need and all the different areas Within immigration office have to be visited. You are paying for their expertise and their experience just like you would if you paid a lawyer or an accountant. You are paying for their experience
Andreas *********
@Martin ********
you won the golden flower pot of the month 😄
Phil ******
@Martin ********
no that's so wrong
Todd *********
@Martin ********
that was a lot of typing for someone without a clue what they are talking about.
Jeff **********
@Martin ********
what do you think this really cost in U. S. dollars? 
Robert *********
Todd *********
@Jeff *********
the cost for the 3 month O Visa and 12 month retirement extension would be about 35,000 baht. Or $1050 USD. Good deal really
Vincent **********
@Todd ********
oui pour Moi aussi y'a un agent a Pattaya qui m'a proposé la même chose pour environ
*****
bath c'est pas plus cher que ça normalement... de plus c'est lui qui traffic en déposant les 800.000 bath sur le compte avec son propre argent, et tu peux renouveler ça chaque année, ça comprend Aussi l'ouverture d'un compte bancaire en Thaïlande,c'est de la magouille légal mais je sais pas a long terme
Brandon ************
@Jeff *********
normally under $2000 but now that bank accounts have gone to 12-15,000 baht, possibly more than 2k
Floyd ******
ORIGINAL POSTER
@Jeff *********
I'll let you know next week
Brandon ************
@Martin ********
not correct for many, many reasons.

When you first land you'll get 60 days visa exempt, not 30. And it's not a visa, it's visa exempt.

Then you'll get converted to a 90 day non-O visa, not an extension. And also a 12 month extension at the same time because that's how agents do it. So 15 months all at once.
Chris *******
@Brandon ***********
OMG his reply may be a candidate for the most wrong ever!
Pascal *****
I think 3 month visa O + 1 year extension (all included)
Brandon ************
No, it's not possible. Because it's not a 15 month visa. It's a 3 month visa and then a 12-month extension.

The conditions are that you give the agent a lot of money and they get you the visa and extension. And if you don't have your own money in a Thai bank account for this visa, then you'll have to pay an agent again next year because you won't meet the requirements this year and they'll check on that next year.
Simon *******
It is only 15 months the first year ,12 months when renewed.
Jan ******************
@Simon ******
But you still have a void stay in Thailand even if your personal benefits it’s more important than to fulfil the requirements for a legal stay in a country you choose to live.
Jonathan ******
I’m not arguing. I understand how they do it but they’re offering it as a 15 month visa and basically it is but it’s really not. you already get two months free then you get a 30 day extension that’s 90 days which is three months and then they get you 12 months so if somebody’s offering us 15 months, it’s the same bullshit either way 15 months and 15 months whether it’s 3+12 they’re not giving you anything extra that’s for sure you’re not getting a bonus three monthsI’m on your side Brandon
Nick ************
@Jonathan *****
90 day non o based on possibly being over 50 and a 12 month extension.
Nongnuch ********
@Jonathan *****
if you paid 50,000 THB for your initial 3-months Non-Imm-O visa and the subsequent 12-months Extension of the Stay Permit, to an agent, because you don't want to use own funds in a Thai bank account, you paid way too much. There are adverts in this group from a "visa-agent" offering this service for 37,000 THB
Drew *****
@Jonathan *****
With your first retirement visa you receive 15 months. Same for everyone.

12 months thereafter. I recently got mine .
Jonathan ******
@Brandon ***********
I did it with Thai visa centre they are amazing. 3 months plus 12 is 15. Cost around
*****
baht. Next year much less. But no crap like other guys go thru. Just check the reviews.
Daniele *******
@Jonathan *****
thai visa center its one of the most expensive agents..same service from others will cost 15-
*****
bath less
Ariana **********
@Daniele ******
do you have recommendations?
Daniele *******
@Ariana *********
i just send you a message
Paul ********
@Jonathan *****
what is the visa centre and how do I get in touch with them
Yvan **********
@Jonathan *****
and my visa “retired” cost 1800 THB every 12 month 🤣
Nongnuch ********
@Yvan *********
I doubt you pay 1800 THB. A new 12-months Extension of Stay stamp still costs a 1900 THB fee
Leo *****
@Nongnuch *******
Sir How about the bank account you have to show that you have 800 000 baht in Thai bank
Nongnuch ********
@Leo ****
for the application to the Non-Imm-O Retirement Visa - AND for the 1-year Retirement Extension, you have the choice of showing either a minimum of 800,000 THB in your bank account, or a proof of a monthly income of a minimum of 65,000 THB. For the application to the E-VISA in your home country, the money can be in your home bank account. For the application to the 1-year Extension, the money needs to be in your Thai bank account
Yvan **********
@Nongnuch *******
a big 100 THB, sorry, my mistake 🤣🤣🥳. You could have added a multiple entry stamp to it for a significant 3000-3500 THB. In fact, it is so cheap that I don’t recall the exact cost 😊
Nongnuch ********
@Yvan *********
single re-entry is 1000.- THB, a multi re-entry is 3800.- THB. At the Airport if you haven't any prepared forms and pictures, you will need to add 200.- THB to these fees. Why I take a notice? I got my own visa advice group, I just can't allow myself to hand out incorrect information 😊
Yvan **********
@Nongnuch *******
sure, my mistake, I will let the pros give advise as I’ll take care of extending my own with a multiple entry as I travel a lot. Sorry again for misinforming your followers on your FB group. Regards.
Nongnuch ********
@Yvan *********
you don't "extend my visa". A visa cannot get extended. The visa you used to achieve the "extended stay permit" has become invalid already. Immigration just extends a stay permit. The stamp you receive in your passport clearly states that you got a stay permit and not a visa. A 1-year stay permit based on reason "Retirement" . . . and for this stay permit, you can buy a "re-entry permit". This re-entry permit has a validity for use until the expiry date of your extended stay permit
Yvan **********
@Jonathan *****
50k THB is what I pay for 12 month full health coverage 🤣🤣🥳
Brandon ************
@Jonathan *****
I'm not contesting it's 3+12, I'm contesting that it's not a 15 month visa. It's a 3 month visa plus a 12 month extension.
Tony **********
@Simon ******
and if there's ever a shakeup in immigration (new boss trying to impress their boss) you might find yourself in the country illegally and liable for a large overstay fine. But your choice.
Sujy *********
@Tony *********
No, because the stamp is legit. Agent pay officer to by pass proof of fund status. But no crackdown will know that.
Tony **********
@Sujy ********
until that agent is made an example of and every visa with their initials comes under scrutiny. Very unlikely but still possible. Why not just follow the rules and do it in your own?
Tore *********
@Tony *********
you should look deeper into it. Although i wouldn’t do it myself, the agent facilitates a temporary loan on paper. Financially it makes sense to keep the 800 in investment rather than rotting in a thai bank account.

Never heard of a shakedowns of this method as technically its legal. But there’s no guarantee, things can change. As they tend to do in Thailand
Tony **********
@Tore ********
technically it is illegal. Maybe not for the agent, but for the immigrant who doesn't meet the qualifications for seasoning and minimum balance requirements thereby technically invalidating the extension. Unlikely, but not zero risk.
Nongnuch ********
@Tore ********
if you don't value this wonderful opportunity and can't afford to pay these meager 24,000 US Dollars into your Thai bank account, you shouldn't be in Thailand
Tore *********
@Nongnuch *******
Now go ahead and read my comment again, this time slowly.....
Graham ******
@Tore ********
You say it is "technically legal", it is definitely illegal as you don't meet the financial requirements which is Thai law
Tore *********
@Graham *****
where does the law say it cannot be a loan? As long balance is shown?

As I said, I wouldn’t do it myself. But never heard anyone gotten in trouble for it. But personally I avoid agents, as I have allot of time on my hands.
Graham ******
@Tore ********
The part that says for a retirement extension that it must be in the account for 2 months prior to the application then for three months after the extension and never drop below 400k for the rest of the year.
Tore *********
@Graham *****
well that is obvious, but doesn’t answer the question 🤷🏻‍♂️
Nongnuch ********
@Tore ********
"Financially it makes sense to keep the 800 in investment rather than rotting in a thai bank account." . . . . . you seem to belong to those expats who are supporting corruption in Thailand. And you seem to forget that the 800,000 THB in a Thai bank account actually earn a very good harvest: They are the "parking fee" that enables you to live in a country on half the monetary expenses you would have to pay in your home country
Caress ******
@Tore ********
You could also go to your Thai bank account to withdraw your 800,000 Thai baht and it won't be there ty banks are crooked just like everything else. Once they have your 800,000 in there you're owned. They can charge you all kinds of fees and scam you basically and it's not insured so if you lose it nothing you can do you're going to be kicked out of the country with no visa. I know several people that's ended up in the IDC for this same reason. It's not the same as putting it in a US account or a UK account where it's insured.
Brandon ************
@Caress *****
I've literally never heard of a single person posting about such a thing happening across multiple Facebook groups and multiple years
Caress ******
@Brandon ***********
Yeah I haven't heard of it either and I've been there a long time but I have heard of bank managers helping themself to foreigners bank accounts on several different occasions That's just the ones they caught and they did go to prison. I don't think they're discriminatory though I think they're going after thais just as much. If not more.
Graham ******
@Caress *****
bar-stool talk so it must be correct
Caress ******
@Graham *****
No but if you speak Thai you can listen to the news and they'll tell you when there's a bank manager that gets arrested..
Mia ********
@Simon ******
which bank is that with, that u get £1000 interest in a year? thats pretty good
Stevie ********
@Simon ******
can you tell me which account you have that pays 5%
Simon *******
@Stevie *******
Oak north Isa
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Thai Visa Advice and Everything Else
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Thai Visa Advice and Everything Else