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Answered5 days ago

Is it safe to use a visa agent's money for bank requirements in Thailand?

SparklyOs*********
asked Nov 8, 2026
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Hi, has anyone any personal experience of using a visa agents money for the bank requirements? Only came across it recently and,just wondering if it's a bit iffy or is it OK?, any ,ongoing term problems etc. T.I.A
Answer summary
The discussion revolves around the safety and legality of using a visa agent's funds to meet Thai banking requirements for visas. Experiences vary widely, with some users expressing satisfaction and ease when using agents, while others warn about potential risks and recommend caution. Many emphasize the importance of choosing a reputable agent, as well as understanding the legal implications and risks involved, especially for those wishing to live outside popular expat areas. Overall, while many have successfully used agents, concerns about reliability and potential issues with immigration remain significant.
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Giraffe *********
Giraffe *********
Use it every year no problems
Itellth********
Itellth********
Sparkly, all you need to know is that the biggest agent in Thailand own this group (their links are on the banner). They provide the services you are asking for, and many other things. My point is that agents don't even have to hide. If you are retired, it's 14k baht a year with agent for them to take care of everything for you.
Charles **********
Charles **********
Itellthetruth33 15,500 not including re entry fees if you need them.
Richard *******
Richard *******
Your probably worry free using a visa center
Dora *******
Dora *******
You are then tied into them every year. Do not do
Charles **********
Charles **********
Dora Howie not true! Prove it!!!!!!
Craig *******
If you can't afford the 800,000 or the 65k, stay home
Craig *******
Craig *******
If you can't afford the 800,000 or the 65k, stay home
Charles **********
Charles **********
Craig Smith what a fkn ashle! Not everyone rich like you.
SparklyOs*********
SparklyOs*********
OP
Craig Smith can afford it easily, but would rather leave it the term deposit, especially now interest rates are up, but thanx for your input
Craig *******
Craig *******
Wasn't trying to be judgmental. Talk to an agent, you will find it's an expensive exercise because most people doing it don't have the money and are bending the rules.
Krazye******
Krazye******
Craig Smith oh that's ok. You don't need to as we should not take you serious either. Not answering actual questions and only trolling with stupid and rude comments
Craig *******
Craig *******
Krazyeyez666 I don't take anyone without a name too seriously.
Krazye******
Krazye******
Craig Smith not judgemental at all. Just rude and being a troll
Kjell ***********
Kjell ***********
Craig Smith depends on what you think is expensive. I have trsnsfered 800.000 to my bank here, and I lose 45.000 baht interest in my home country a year.
SparklyOs*********
SparklyOs*********
OP
Craig Smith all good, that's why I came looking here to get the insider knowledge, so to speak,, just got me curious seeing it so openly advertised on visa agents sites,
Christian *********
With all the new anti farang government interferences, with driving licences being the latest hit. I think it might be better giving Thailand the final goodbye.
Christian *********
Christian *********
With all the new anti farang government interferences, with driving licences being the latest hit. I think it might be better giving Thailand the final goodbye.
Stephen *********
Careful. I was ripped off by an agent. Check if a good one
Collywobble **********
yes iffy but lucrative for the agents so ignored by immo
Noel ********
Its fine
Michael *********
As long as the agent is playing by the rules, no problem.
Noel ********
Noel ********
Its fine
Collywobble **********
Collywobble **********
yes iffy but lucrative for the agents so ignored by immo
Stephen *********
Stephen *********
Careful. I was ripped off by an agent. Check if a good one
Nigel ********
You save money by using an agent's funds.Immigration appreciate working with Agent's because they are organised and understand the system. If there were no agent's, the queues at Jomtien would be endless.Farangs taking 3 attempts to complete paperwork.
Nigel ********
Nigel ********
You save money by using an agent's funds.

Immigration appreciate working with Agent's because they are organised and understand the system.

If there were no agent's, the queues at Jomtien would be endless.

Farangs taking 3 attempts to complete paperwork.
Greg ***********
Greg ***********
Nigel Graham yea, Jomtien. . . . . . who in his right mind would use Jomtien . . . . . At my backwater Immigration, it takes me 25 minutes for a new 1-year extension, a 90-days report and the purchase of a single re-entry permit 🤣
TruthfulCr***********
TruthfulCr***********
Nigel Graham Yup, the last thing an immigration official wants to see is some old farang who barely comprehends the system and has issues communicating.

I even get annoyed in
****
queues with them fiddling and farting around. Working in immigration must be hell....
Martin *********
Martin *********
TruthfulCrocodile2896 lol. Do you treat your mum and dad with the same contempt
Terrence ************
If you plan to live in Pattaya or Jomtien you can do it. If you wish to live in a different province you are at high risk unless you comply with the law and deposit the 800,000 baht in the bank.
Sharyn ***********
We always use an agent
Bruce ***************
Someone i know has been doing it for 10 years without a problem
Sharyn ***********
Sharyn ***********
We always use an agent
Jonathan *************
Jonathan *************
Sharyn Whittaker 😱
Bruce ***************
Bruce ***************
Someone i know has been doing it for 10 years without a problem
Bruce ***************
Bruce ***************
Jomtien
SparklyOs*********
SparklyOs*********
OP
Bruce Troy McGowan really, seems to be a dividing topic, lol, is he in pattaya? Someone commented it's doable there but not try in other places,tnanx for the reply
Itellth********
Itellth********
SparklyOstrich2841 It's easy in every single province countrywide. It's not a divided topic at all. The division is if it's ethical for you to do it, not if it's easy or not. Because yes, it's extremely easy to do, and the stamps and valid, but some love to be patronizing with the "if you dont have 800k in the bank, u shoudl go home!". Such statement are not answering your question, so please treat those as being off-topic.
Ron ********
Ron ********
SparklyOstrich2841 try
@THAI *****************************
used them multiple times for multiple reasons! Definitely legit!
Ken ************
Ken ************
SparklyOstrich2841 Hua Hin and Korat all no problem
Terrence ************
Terrence ************
If you plan to live in Pattaya or Jomtien you can do it. If you wish to live in a different province you are at high risk unless you comply with the law and deposit the 800,000 baht in the bank.
Mark *******
Mark *******
i have done everything myself from day one..non o retirement....now 4 years never had a problem...just know cand follow the rules..immigration is not the enemy.........a 12 month extension usually takes about 45 minutes ...my experience cheers.
Brett *******
Brett *******
Highly recommend thai visa center
Stuart ***********
Stuart ***********
If something seems too good to be true, it usually is. Of course it is iffy, the rules are there for a reason and you would be breaking them. Lots of people break the rules, it's your risk, so don't try to blame anyone else if you do and it goes wrong.
SparklyOs*********
SparklyOs*********
OP
Stuart Chiverton that's why I'm asking the q here,
Martin *********
Martin *********
SparklyOstrich2841 ignore him hes a glass half empty
Stuart ***********
Stuart ***********
SparklyOstrich2841 a better idea IMO is to deposit the 800,000, and at the same time start depositing 65,000 baht each month for the period of the extension, then once you get the second extension based on the 65,000 method, you can withdraw the 800,000. That's what I do and I don't need to pay agents each year or worry about breaking the rules. Good luck.
Ken ************
Ken ************
Stuart Chiverton Well you are a legend
James ********
James ********
Stuart Chiverton good plan ✅
SparklyOs*********
SparklyOs*********
OP
Stuart Chiverton I just saw it advertised on many visa agents web sites, assumed they knew the law, always pays to check, good thing we have sites like this now , thanx
William **********
William **********
My friends have been using the agents for years because they don't want to deal with the immigration people. They prefer to pay
*****
Baht each year. I handle my family visa according to the law. It is a bit of a headache, but it always gets done for the 1900 Baht fee.
Mark *******
Mark *******
William Benedict i have done everything myself from day one...now 4 years never had a problem...just know and follow the rules....a 12 month extension usually takes about 45 minutes ...my experience cheers.
William **********
William **********
@Mark ******
yes that is correct. Mine is a family visa and I have to come back after 30 days to get the visa stamp/
Ken ************
Ken ************
Get a reputable agent and no problem also unlike all the smart asses on here ypu are actually supporting thai jobs for girls that work in these agents
17
Ron ********
Ron ********
Ken Hutchinson never mind the courier services for picking up and dropping off documents, drivers doing the border runs etc etc!
Ken ************
Ken ************
Ron Longoz I never do a border run and give all documents to agent personally
Mark *******
Mark *******
Ken Hutchinson exactly. Use an Agent. I tried submitting my paperwork for a LTRWP Visa and kept getting rejected. It was due to my lack of knowledge of their policy and procedures and the exact format that things needed to be done. Went with an Agent and had no issues. Spend the money and support the country.
Jeff *************
Jeff *************
To get your required paperwork from the bank you will have to pay, no way around it , I believe Kasikorn charges 100 baht
Dora *******
Dora *******
Do not do.
Ken ************
Ken ************
Dora Howie who made you visa boss
Raymond *********
Raymond *********
The 65k is a better method in my opinion but you need a full year of monthly deposits from outside Thailand and wise works if you use the funds for longstay in Thailand option

I went to 2 of my banks Krungsri and Kasikorn to ask about the required credit advice documents Krungsri were totally unhelpful regarding it but Kasikorn we're great now I phoned kbank every month for the credit advice and it is really easy and they have great customer service agent's it's my belief that if you request more than 2 months worth there's a fee so I just do it the first working day of the month
Jeff *************
Jeff *************
Raymond Dowling To get your required paperwork from the bank you will have to pay, no way around it , I believe Kasikorn charges 100 baht
Raymond *********
Raymond *********
Jeff Hoffmeister They send it in a pdf
Adrian *********
Adrian *********
What if you start putting the
*****
baht a month in or do you need to do 800,000 first
Wayne ********
Wayne ********
Adrian Foister you can’t use the ฿65,000 per month until your second extension for your first extension. You must have 800,000 in the bank when your first extension is approved then you start putting 65,000 a month in the bank every month that doesn’t mean 12 payments that means a deposit every calendar month then after the 12 month period you will have had put 12 consecutive months 65,000 in the bank and you can switch to that system. But first check with your local immigration office because some do not accept that.
James ********
James ********
@Wayne *******
good advice ✅
Ant ***********
Ant ***********
Adrian Foister

800K for the first year extension
John **********
John **********
@Adrian ********
pretty much the only way out of using an agent requires putting 800k baht in a Thai bank account. Either you get the next extension via an agent but using your own 800k or you leave Thailand, get a new Non-O, return to Thailand and put 800k in the bank to apply for a 12 month extension
Jeff *************
Jeff *************
Adrian Foister 800,000 first then immediately start deporting the 65K a month for the next year
Micheal **********
Micheal **********
Jeff Hoffmeister This is exactly what I have done. And I have lived in the Pattaya-metro area (Wongamat, Nong Prue, Nong Pla Lai, and now in Na Jomtien) for a total 3 years now. Go the 800K using an agent route, then immediately begin transferring in more than 65K per month. I use Wise, set up on an auto-pay, to pay in about 75K per month, just like clockwork. Wise pulls it straight out of my American USD checking account, converts it to Thai baht, then deposits that in my Thai checking account automatically, on a monthly basis.

Make sure you click on the Wise labeling option that designates it as an international transfer for living expenses in Thailand. (This is important for the Thai Immigration Department to see.) Also, DO NOT use your Thai address, as your address of record for Wise. Set up your Wise account from your home country, using your home country address, as your address of record, for Wise. The rules for Wise, using a Thai address, changed in August of this year and you MUST use your home country address.

Also, just as soon as you get your bank account, start that 65K baht minimum transfer IMMEDIATELY. I Didn't start mine until a couple of months after I got here, and because I didn't deposit in, that first couple of months, I had to wait for my 2nd year renewal, because I didn't have the full 12-months of deposits showing.

I hope this helps.
James ********
James ********
Jeff Hoffmeister correct ✅
Adrian *********
Adrian *********
Jeff Hoffmeister thank you.much appreciated
Jim **********
Jim **********
Adrian Foister that is the best way out of the trap, but even then you can meet with resistance at the IO eg if your agent is in say Pattaya , and you live elsewhere, when you go for an extension, the local IO may refuse and say you must go back to the Pattaya IO I say may, as I have known it to happen to several friends, but others have been ok. Just depends on the IO I think.
Martin ********
Martin ********
Jim Flanagan or as long as you’re happy with the agent, use them to do the extension.
Adrian *********
Adrian *********
Jim Flanagan yes in pattaya but which is.it 65 or
*****
0 first
Brandon ************
Brandon ************
Very common. As long as you are using an agent with a good reputation, you shouldn't have anything to worry about. The only thing you need to be aware of is the fact that once you use an agent to satisfy the financial requirements, you will likely be required to use an agent the following year as well since you cannot show you met those requirements yourself next year.
12
SparklyOs*********
SparklyOs*********
OP
@Brandon ***********
thanx , was wondering how they maintain the minimum in the account for the year?
Martin *********
Martin *********
SparklyOstrich2841 they dont . Been using a agent for 3 years no problems
Itellth********
Itellth********
Mike Foster Brother Mike... this group is owned by the biggest agent in Thailand. They are on the banner above.
SparklyOs*********
SparklyOs*********
OP
Mike Foster the visa agents are pretty out there with advertising it already,so I'm sure TIM are aware of it
Mike ********
Mike ********
Martin Backham

Yet. ......Let's hope these types of posts on social media doesn't kill the golden Goose. There is a crackdown starting for expats at the moment if you were not aware.
Greg ***********
Greg ***********
SparklyOstrich2841 they take out the money after 10 minutes. That's why you need them again, for the following year application, because you did not fulfill the requirements for the upkeep of the deposit . . Technically spoken, you will be in overstay right after the agent removed the deposit
Brandon ************
Brandon ************
SparklyOstrich2841 they don't
SparklyOs*********
SparklyOs*********
OP
@Brandon ***********
think I'll stick to using my own cash, thanx to all for the answers

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