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What are the challenges with bank coding issues for international transfers in Thailand?

Visa Regulations Bank Transfer Kasikorn Bank Jomtien Immigration Deposit Coding Issues Wise Transfers Krung Thai Bank SWIFT Transfers Expat Advice

Sep 25, 2025

3 days ago

Jackie ************

ORIGINAL POSTER

I went to jomtien immigration today to ask about the deposits coding issues. Spoke to the officer at window 8. He basically said bangkok bank isnt entirely cooperative with immigration anymore. He said quote. Kasikorn better. Im going tomorrow to the Kasikorn international desk on Pattaya klang to request a credit advice letter on my September transfer, was quoted 200 baht. does kasikorn code their incoming wise transfers as international? I will inquire about that before opening a new account.

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TLDR : Answer Summary

The discussion revolves around issues expats face with deposit coding when transferring money to Thailand, particularly with banks like Kasikorn and Bangkok Bank. A user reported difficulties with Bangkok Bank not being cooperative regarding transfer codes, while another user suggested that Kasikorn might be better, although they also encountered coding issues. The conversation includes advice on approaching different banks for solutions, such as Krung Thai Bank, and insights into handling SWIFT transfers to avoid complications. Users are encouraged to share their experiences and outcomes for future reference.

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Keith ******

My Krungsri says "Global Payment Hub". i hope that suffices

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Keith ******

Im wondering if it might help to print off and show immigration the wise pdf receipts for each 65,000 Baht monthly deposit . Anybody tried this approach ?

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Mark *********

that’s far too common sensical…. It’s almost like you’re trying to make them think outside the box lol!!

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Keith ******

yes. fair comment lol 😁

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Keith ******

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Frank **********

I used that and the Page of my US Bank Account to show a transfer for 1 month when the "Funds for Long Term Stay" disappeared on WISES drop down menu and Immigration had no problem with it but it was only for 1 month. They may not do it for a whole 12 months. Best to ask your local office.

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Jackie ************

ORIGINAL POSTER

As part of my visit to immigration yesterday i did show him my wise transfer receipt. He said it was not sufficient. Unfortunately.

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Mike ********

I have been under the impression that Kasikorn statements need to be presented in Thai. My statement for Aug is below and translates to foreign transactions…

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Mike ********

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Mike ********

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Jackie ************

ORIGINAL POSTER

Luckily my renewal isnt due until may 2026 so hopefully they resolve all of this by then

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Jackie ************

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Nongnuch ********

Jackie Washington . . . direct SWIFT transfers from your home bank account to your Thai bank account will solve the transfer code issue. However if these SWIFT transfers turn out to be massively expensive, then the only option for the renewed extension application are the 800,000 THB deposit in your Thai bank account

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Yo***

@Nongnuch *******

but this 800,000 Thb, immigration can ask where is this from? or if this is international transfer? and if use Wise?

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Nongnuch ********

it depends what you are asking from Immigration. If you have entered on a 90-days Non-O visa, for an application to the 1-year extension based on retirement, Immigratin won't ask for the source. For the application to the "change of visa type" on Immigratin inside Thailand, Immigration wants a proof that the 800,000 came from abroad

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Nongnuch ********

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David ********

@Nongnuch *******

last week I did a SWIFT transfer - USA to Bkk Bank direct. It was not coded as an international transfer. I was told that I need to go to the bank where I opened the account and request a letter that states it originated internationally.

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Nongnuch ********

this probably means that your U.S. Bank used a subsidiary (Bangkok Bank?) in Thailand for an in-between step. Actualy the same WISE is doing - they have a Kasikorn account in Thailand

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Nongnuch ********

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Bob **********

I just opened a Kbank and did a test transfer with wise from the US it came as local I don’t know what to do

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Nongnuch ********

direct SWIFT transfers from your home bank account to your Thai bank account will solve the transfer code issue. However if these SWIFT transfers turn out to be massively expensive, then the only option for the renewed extension application are the 800,000 THB deposit in your Thai bank account

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Mark *********

@Nongnuch *******

unfortunately that did not work with Siam Commercial Bank. I did a swift transfer paid a fee of almost 3% and no notation of foreign transfer occurred. when I talk to Siam Commercial Bank phone staff they told me I needed to get another form to prove the transaction originated from overseas. I do not know if there is a fee with that form but I've heard 300 baht and 200 baht related to the same issue.

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Mark *********

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Charles ********

I’m of the belief that SWIFT transfers get coded.

Maybe it will cost more ?

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Mark *********

@Charles *******

it appears as though the bank will verify that the funds came from an international location. when you request the verification through a form given to them.

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Mark *********

@Charles *******

that may well be true. when I question Siam Commercial Bank about the lack of the documentation for this being an international transfer, the comment was to request the confirmation about the original location of the funds through their Bank. I miss the days of Bangkok Bank automatically posting financial transfer from an international location

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Mark *********

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Peter *******

You should have asked Immigration about Kasikorn, i heard they are familiar with the Wise Kasikorn codes but you should check

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Heinz ***********

No, Kasikorn does not code incoming transfers as international.

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Jason ******

Just to let you know , that when I paid for my visa through UK thai embassy the money I paid for visa the transfer went to kasikorn bank , so that tells me one thing , if there own thai goverment is using kasikorn bank it must be good .

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Jim *******

If I remember correctly, when paying for my 90 days O visa in July 2025, there was a banner saying "Immigration office has authorized Kasikorn bank to handle all payments",

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Jim *******

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Paul ********

Interested in the outcome, can you keep us updated on how you get on please,

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Jackie ************

ORIGINAL POSTER

Stand by for update

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Jackie ************

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Angel ******

I suggest you try asking at Krung Thai Bank.

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Mark ********

Bank of Ayudhaya is rubbish atm

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Mark *********

have you done international transfers with KrungThai? if so how did the transfer get coded?

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Tony *****

mine shows as XBSDT. when you look at KrungThai banking codes it says “X-Cross border Trf Deposit SA. hope that helps

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Mark *********

thank you. have renewed your Visa with the bank account showing this designation for where the money came from? if so which office

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Tony *****

I did my first extension of stay yesterday at Phetchabun Immigration so still on the 800K in the bank method. I asked them and they said code is ok but as people on here will testify another person a different answer lol. Hopefully someone else with KrungThai using monthly method can confirm for us

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Tony *****

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Douglas *******

same

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Douglas *******

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Andy *******

I switched to Kasikorn, coding issues there also.

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Andy *******

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