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

Thailand Banking Visa Medical DTV Expat Advice Financial Safety Emergency Funds

Aug 25, 2025

a day ago

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

ORIGINAL POSTER

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

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TLDR : Answer Summary

The post discusses concerns regarding the safety of a Bangkok Bank account opened on medical grounds while the user is on a medical DTV (Digital Tourist Visa). The user is contemplating whether to visit the bank with additional documentation or to avoid any potential issues while their account remains unfrozen. Commenters advise against 'poking the bear' and suggest leaving things as they are unless necessary.

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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?

a day ago

Steve ********

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

a day ago

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?

a day ago

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

ORIGINAL POSTER

@David *******

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».

a day ago

Greg ********

@David *******

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.

a day ago

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

ORIGINAL POSTER

@Greg *******

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

a day ago

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 :-)

a day ago

Reply to

Greg ********

Biff *******

Sleeping bear, nice bear, good bear.

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

a day ago

Jennifer **********

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

a day ago

Bob **********

Wait until they ask you to come in

a day ago

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.

a day ago

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.

a day ago

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

Leave it

a day ago

Greg ********

If it was me I would let the bear sleep.

a day ago

Reply to

Greg ********

Is there a risk of my Thai bank account being frozen after switching to a DTV visa?

49 comments

5 days ago