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Unanswered4 months ago

What are the current requirements for using the SCB online banking app in Thailand, particularly regarding SIM cards and phone numbers?

Greg ***********
asked Jun 29, 2026
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Sadly, Anthony Lawson has turned off the comment function of his thread about the phone number and the SIM card.

There was a misunderstanding:

I wrote that the SCB Onlinebanking App does not require a SIM card or phone number. The App itself works perfectly when your phone simply is connected to the Internet, regardless which SIM card you use.

The misunderstanding is: To get a SCB bank account opened, you need to connect it to your Thai phone number, and the SIM card must be registered to your name and your passport number.

You need the phone number and the SIM card only ONCE. And then never again.

Just for working with the onlinebanking App, you don't need that SIM card and that phone number anymore. The App works with a six-digit PIN code, and that's what is to it
Summary so far
This discussion highlights the confusion surrounding the requirements for using the SCB online banking app in Thailand, specifically about the necessity of a Thai SIM card and phone number. While one user claims that the app functions without needing a SIM card after the initial setup, several comments contradict this, stating that an OTP sent to the Thai number is often required for transactions. Additionally, issues related to opening a Thai bank account without a registered Thai phone number are also touched upon, reflecting the complexities faced by expats in managing their banking services while abroad.
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Click comment and we will ask for your email, then OTP, then name.

Beautiful**********
Beautiful**********
The same is true for my Bangkok Bank app. The pain in the neck is that when you transfer phones you need to make sure you have that same phone number to reinstall the app. Otherwise you got to go back to the bank with your passport to change your phone number and have a new SIM/thai phone number
Ian ***********
Ian ***********
Hi all

Having a problem opening a bank account

Thought I followed the protocols

I’m currently on a tourist USA until the end of next month

I want to apply for a non o retirement visa , I asked immigration what was the best way of applying

I was advise to go to Laos

And obtain my e visa there

I have done that and have my evidence, been refused by 3 banks !!

Any advice
Neil *******
Neil *******
I think you are wrong. I had to get a new phone and visit the bank to sign in. I also had a new long term phone number.

Lucky for me I still had the old tourist sim in my work phone otherwise it would have taken a few days and complications to a OTP code
Raymond *********
Raymond *********
And if you change phone or have to hard reset it
Carl *********
Carl *********
I've 3 thai banking apps all work anywhere in the world until I need an otp for something then a thai numbers needed.
Greg ***********
Greg ***********
OP
again, because I think some people have their wires crossed: I verified my 1-2-call AIS Thai mobile number at the SCB bank 2 years ago. I am regularily leaving Thailand for 6 months in Europe during the summer. In Europe, I deactivate my Thai SIM card. At the moment my phone is active on my German SIM card, which has zero connection to the SCB bank.The phone is also connected to the ointernet by my WiFi. My SCB onlinebanking works like a dream. The SCB onlinebanking App works without an OTP. When I start it, it will ask me for a 6-digit PIN code. And that's what's to it. I am regularily transferring money from my SCB account to my girlfriend's SCB account. I can top up my Thai SIM card balance in my SCB App. I can send money to other Thai bank accounts. Okay? I do not need an active Thai SIM card for this.
Christopher ********
Christopher ********
Not really the case. I’ve been asked twice by SCB to reverify that my phone number is listed in my name. Unrelated to getting OTP.
Anthony ********
Anthony ********
Sorry… I turned off the comments cos I got all the info I needed and didn’t want ppl wasting their time … 😃
Paul **********
Paul **********
Thats BS, because you also need a otp now and again to verify you are making the transactions. Basically you need a thai sim to work a thai banking app. Stop spreading misinformation, its all linked to a thai sim
ScenicB*******
ScenicB*******
I’m not sure that is the case. Sounds good in theory but what happens when you get the dreaded OTC sent to your phone…?

I’ve been outa Thailand for 3 months and regularly check the bank app without problems.

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