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What are the best tips for applying for a Thai bank account as an expat?

Apr 8, 2025
6 days ago
Tony **********
ORIGINAL POSTER
anyone have any top tips on applying for a thai bank account to help with paying rent etc.
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TLDR : Answer Summary
Applying for a Thai bank account can facilitate your financial transactions such as paying rent. Key tips include: 1. **Required Documents**: Bring your passport, a non-tourist visa (like a Non-Immigrant or retirement visa), proof of residence, and possibly a work permit or reference letter. 2. **Choose a Bank**: Popular options include Bangkok Bank, Kasikorn Bank, and Siam Commercial Bank. Visit a branch in person, as online application may not be available for foreigners. 3. **Account Setup**: Be prepared for a minimum deposit and fill out necessary forms upon submitting documents. Language assistance can be helpful, and consider online banking options post set-up. 4. **Consider Alternatives**: For those struggling to open an account due to visa issues, options like using services such as WISE or employing agencies that facilitate account opening may be viable.
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George *******
Or turn up at any bank with a bag full of cash, especially foreign currency of £€$ and ask them can I leave my money here and if there's enough of it I doubt they'll refuse you an account. 😆
Khun ************
Get an agent.. pay about 3500 baht. They will do the process for you.

Doesn't matter what visa you have.

I had mine done on a visa exempt a few years back.

I have Bangkok Bank.
George *******
@Khun ***********
Seem BB is the only one that will let you open an account and only through an agent.
Brandon ************
@Khun ***********
guarantee you won't find an agent offering anywhere near that. Even a few months ago it was up to 6,000 and now it's 12-15,000
Us *****
You can just use wise and transfer money directly to your landlord
Fred *********
6 weeks ago I went to agency. 5000 baht. 45 minutes in bank.

Came out with bank account.

Very easy.
Brandon ************
@Fred ********
Things have changed a lot just in the last 2-3 weeks. The prices are now 12-15,000 for a new bank account from an agent.
Bob **********
If your on a long stay visa just go to any bank and open an account
Tony **********
ORIGINAL POSTER
I did the DTV visa as I thought it would be easier, which it was - originally, I was going to get a standard retirement visa, which needs a Thai bank account for you to deposit money.

I have WISE and can use that and Starling offer very low rates to use contactless. its not the end of the world, but would be handy - wonder if you can apply for a retirement visa and have a DTV running - I guess not.. I dont mind paying an agency to help
Jesper *******
@Tony *********
due to the recent strict rules of opening bank acct....many are advised to apply for the 90days non O in their hone country and once they get their visa they come to thailand and open bank acct and transfer funds to the thai acct for yearly extension
Jesper *******
It's almost impossible if you don't have a work permit Or non O visa to open a bank acct and I have seen many manage without a thai bank acct in thailand Wise, revoult debit card? Add your landlord's bank acct to WISE and u can send directly
Luke *******
@Jesper ******
so untrue. Almost any visa agent will find a way for the right price. Wise and Revolut are fine but also have fees associated with withdrawing if you need.
Jesper *******
@Luke ******
u don't have to believe what I say u try opening one yourself...GOOD LUCK.....I opened my acct with a tourist visa (No agent) few years back and yet recently they want me to visit the bank and update my phone numbers and particulars
Luke *******
@Jesper ******
I didn’t say anything about opening one myself. Just said that your info was wrong. It’s not “almost impossible”. Yes they are doing this with most accounts I believe (asking to verify particulars)
Jim *******
You can not get a bank account in Thai without some visa better than 60 days stamp.

Might, some agencies can open your account, the going rate is 4-5 thosuand THB.
Andi ***********
@Jim ******
it has increased recently Bangkok 15-20k
Pru *****************
@To**
, opening a Thai bank account is indeed a practical step for managing expenses like rent. Here's a guide to help you through the process:

Required Documents:

Passport: A valid passport is essential.​

Visa: Most banks require a non-tourist visa, such as a Non-Immigrant visa.​

Work Permit (if applicable): If you're employed in Thailand, a work permit is necessary.​

Proof of Residence: A lease agreement or utility bill showing your Thai address.​

Reference Letter (if applicable): Some banks may request a reference letter from your home country's bank or the Thai embassy.​

Steps to Open an Account:

Choose a Bank: Major banks like Bangkok Bank, Kasikorn Bank, and Siam Commercial Bank are popular among foreigners.​

Visit a Branch: Go to a branch in person; some banks may not allow online applications for foreigners.​

Submit Documents: Provide all required documents.​ Initial Deposit: Be prepared to make a minimum deposit, typically around 500 to 1,000 THB.​

Complete Forms: Fill out the necessary application forms provided by the bank staff.​

Receive Account Details: Once approved, you'll receive your account number and a debit card.​

Additional Tips:

Language Barrier: While many bank staff speak English, it's helpful to have a Thai-speaking friend assist you if possible.​

Banking Hours: Most banks are open Monday to Friday, 9:30 AM to 3:30 PM.​

Online Banking: After account setup, consider registering for online banking to manage payments conveniently.​

Having a Thai bank account will simplify your financial transactions and reduce currency exchange hassles. It's advisable to contact the bank beforehand to confirm specific requirements, as they can vary.​

Best regards. PruLadda
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