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Answereda year ago

Should I approach my bank regarding my medical account while on DTV or leave it alone?

DTV Visa Thai Bank Accounts Medical Treatment Visa Regulations Financial Security

Anonymous *************

Anonymous *************

OP

asked Aug 25, 2025

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Bank account opened on medical grounds, while on medical DTV. Poke the bear or not. 

Ive had a Bangkok Bank account for about a year now. Getting a bit anxious with all the issues now. 

While I am on DTV, my account was opened based on “paying medical treatment with treatment above 3 months” It was internal clause a thai friend found for me. And account opened at first branch i tried. 1 year ago. I am under ongoing long term treatment. 

I am tempted to go to my Branch with my new condo lease, AIS verification, treatment plan from hospital, Thai Driver License, Passport with visa and stamps. 

BUT am I better NOT poking the bear while things are working? So far no issues, recently bought a new car for 1m, about to make another large expense. 

Thing is I will leave Thailand for about 6 weeks soon, and I have around 1m in emergency funds on this account. I keep slowly taking out cash just in case. And I do have other backups payment methods and funds. 

Poke the bear or leave it sleeping?

Edit: Thanks all. Definitely letting the beat sleep

Answer summary

The poster is concerned about their Bangkok Bank account, which was opened for medical treatment purposes while on a DTV. They are anxious about potential repercussions of verifying their account status with new documentation, given the large sums of money involved and their upcoming departure from Thailand. Most commenters advise against taking action and recommend leaving the situation as is to avoid complications.

23 repliesnewest first

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David ********

David ********

What documents did you need to provide when opening the medical treatment account? Did you need a residence certificate from immigration and a lease agreement?

0

Steve ********

Steve ********

I would also not leave all your money in the account. Because they may just freeze it without warning

0

David ********

David ********

Do all bank branches know about this "paying medical treatment with treatment above 3 months" clause? Did you open the account at a bank branch near a hospital?

0

Anonymous *************

Anonymous *************

OP

yes, i specifically went to a branch close to several mid range hospitals. There was no questions, just took my documentation and within 30 minutes i had working app and a card. The manager was called a couple times to tick the right boxes.

For visa I think they actually ticked off «long term visa».

2

Greg ********

Greg ********

I would wager most banks have no clue about the medical treatment clause. I bet the international patient desks at the likes of Bumrungrad do.

0

Anonymous *************

Anonymous *************

OP

it was actually the bank that told us about it. A different branch than I ended up going to. My friend just called the branch in her office building

1

Greg ********

Greg ********

Anonymous participant Good one. I have had mixed dealing with banks here. The one that all of our salaries went into was very good. Were even proactive sometimes :-)

0

Biff *******

Biff *******

Sleeping bear, nice bear, good bear.

Put the stick down and move away from the nice bear.

7

Jennifer **********

Jennifer **********

I would have everything ready but not go until needed to…

3

Bob **********

Bob **********

Wait until they ask you to come in

1

Paul *******

Paul *******

Leave it alone. Nothing you need to go into the bank for unless you're renewing a passbook (which unless you need it for immigration, which on a DTV you won't) you don't need to bother with so that leaves only applying for a new debit card, which is once every 5 years.

1

Wannikea *********

Wannikea *********

As long as the account and everything associated to it links back to your name and your phone number and your passport number I wouldn't do anything right now. hopefully your bank account wasn't opened up in Pattaya. I think the DTV reasoning is a bit of a red herring. What the bank really wants is to comply with KYC due diligence. Since it's only Bangkok Bank doing this it's an internal policy which sprouted up due to their lack of diligence. If you do happen to get called out, hopefully you can still show medical reasons.

4

Anonymous ******************

Anonymous ******************

Leave it

2

Greg ********

Greg ********

If it was me I would let the bear sleep.

4

Anonymous ******************

Anonymous ******************

Do you have credit card with that account? I'm also with BKB, and also didn't get any notification or warning (yet)... I like to believe it's because I have credit cards (with fixed deposit for them) so they don't want to bother cancelling all that... Well, no idea really lol... Few years more to retirement and then I think I'll just start non-O life, seems safer.

0

Paul *******

Paul *******

@Christopher **********

Your trolling isn't helping anyone. I post FACTS.

0

Anonymous *************

Anonymous *************

OP

Anonymous participant 569 no credit card or prepaid visa debit card. Only the normal Bankok Bank card integrated reddit card.

2

Paul *******

Paul *******

Anonymous participant 569 Can't get a credit card without a work permit.

0

Anonymous ******************

Anonymous ******************

You can. I got credit on 15 million baht on tourist visa. Its a true and not a lie...

1

Paul *******

Paul *******

Anonymous participant 812 You definitely can't. Now with bank accounts being closed for tourist visa holders, your "credit card" will also be, in the unlikely event the bank was stupid enough to give a tourist a "credit card".

0

Bob **********

Bob **********

these are backed from funds not really credit cards

0

Paul *******

Paul *******

Regardless, I can't see a Thai bank issuing a credit card to a farang without a work permit.

Also, if you're talking about a secured credit card, what's the point of that? Just use a debit card with the VISA or MasterCard logo, works almost identically to a credit card.

Only reason to use a credit card is if you actually avail yourself of the credit facility, otherwise, it's not really a credit card anymore.

0

Greg ********

Greg ********

Anonymous participant 569 So you have a card with a limit equal to the amount you leave on deposit with the bank? I still have services with a bank here thst are only open to Thais or WP holders etc. The bank knows of my visa change but still renew the services. I am letting the bear sleep as it is handy for me.

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