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What are the new Bangkok Bank requirements for proof of funds related to visa extensions?

Bangkok BankVisa ExtensionsProof of FundsNon-Immigrant VisaMoney Laundering PreventionBanking Policies in Thailand
Jul 28, 2025
4 days ago
Neil ********
ORIGINAL POSTER
Just read this and thought useful for some who deal with Bangkok Bank

Bangkok bank told us that since 1 July, they require you to have the money in your account for 4 months (!!), before they can issue a letter that confirms proof of funds for various visas. And if you do not meet this 4 month requirement, they will lock the funds in your account for an additional 4 months, before you can access it; while giving you the right papers that you need for immigration (proof of funds for 2 months). Its not an immigration or visa requirement, but rather a banking requirement to deter money laundering and people using agents (that is what they told us)
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TLDR : Answer Summary
Since July 1st, Bangkok Bank has implemented a new banking policy requiring account holders to maintain their funds for at least four months before the bank issues a letter of proof of funds necessary for various visa types. If an account holder does not meet this requirement, the funds will be locked for an additional four months, though this does not align with immigration requirements, as it is a banking measure aimed at preventing money laundering and the use of agents for visa applications. This has caused confusion and concern among expats, especially those looking to extend their visas.
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Kevin ******
It is true, and it is a bank policy, not immigration. I mentioned this with a photo of the notice from the bank and someone accused me of fabricating it 555.
3 days ago
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Michael *********
It is now looking like I will not retire in Thailand.
3 days ago
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Andy ************
@Michael ********
 Thailand is the best retirement decision I made
3 days ago
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Andy ************
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Steve *****
i have had a Bangkok Bank account for 9 years i just don't understand why Bangkok Bank are interfering with immigration business most people know the rules you have 800 thousand in your account for 3 months before or can prove you have 65 thousand a month freezing peoples accounts is totally wrong i opened a account with krung thai it was very easy i will close my bangkok bank as i think its liberty telling me when i can spend my money and rezzing accounts is totally wrong
3 days ago
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Andy ************
@Steve ****
 They're only freezing those which have previously abused the system. I've used BB for years, and I don't have any problem with them
3 days ago
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Andy ************
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Giraffe *********
Correct
4 days ago
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Ling *****
A lot of Visa Agents are not using Bangkok Bank anymore for the same reasons mentioned here.
4 days ago
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Nongnuch ********
it is doubtful that this will stop agents to front money for retirement visa applications for people who don't have own funds. They just don't use the Bangkok Bank any more. Other banks, at least for now, don't follow these absurd rules
4 days ago
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Roberto *********
Bangkok Bank apparently has had a gutful of being used by visa agents, and are clamping down on their staff taking bribes. It reflects badly on the bank so they're the first to deal with the scam, but I imagine the others will follow
4 days ago
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Malcolm *****
@Roberto ********
 “apparently”
4 days ago
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Roberto *********
@Malcolm ****
 Yes, it's scaring the crap out of people using visa agents to pay bribes on their behalf. Those doing the right thing are unaffected!
3 days ago
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Roberto *********
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Malcolm *****
Can you share the written confirmation of this Neil Fowell or anyone else?
4 days ago
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Roberto *********
@Malcolm ****
 Ask the internet. It's full of reports
4 days ago
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Malcolm *****
@Roberto ********
 Brandon Thurkettle yep - if it’s everywhere, why won’t someone just post the offical letter from Bangkok Bank?
4 days ago
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Malcolm *****
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Brandon ************
@Malcolm ****
 there's lots of other posts about this including photos of the notice at the bank and the new form. Just search for it
4 days ago
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Malcolm *****
@Brandon ***********
 yep - if it’s everywhere, why won’t someone just post the offical letter from Bangkok Bank?
4 days ago
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Brandon ************
@Malcolm ****
 Because they ALREADY HAVE. Stop being lazy and expecting us to do all the work for you that has already been done.
4 days ago
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Malcolm *****
@Brandon ***********
 being lazy? Haha. I searched for a copy of the Bangkok Bank letter in several forums and could not find it.
4 days ago
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Malcolm *****
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Kan ******
So let's say you want to extend your OA visa the 1st of September, you put your 800k the 1st of June in order to meet the immigration requirements (3 months). From 01st of June to 01st of September is 3 months as required but the bank will not give you the paper, so how can you extend your visa ?
4 days ago
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Brandon ************
@Kan *****
 no one said they won't give you the paper. They said they'll require you to freeze the funds in your account for 4 months in order to get the paper
4 days ago
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Kan ******
@Brandon ***********
 👍🙏👍
4 days ago
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Kan ******
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Pete *******
@Kan *****
 the bank will give you the required documents on the day you request them.
4 days ago
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Max *************
@Kan *****
 1) Immigrations requirement is 2 months prior to the day you apply for the extension. 2) Good question,ask your branch. It's basically a catch-22.
4 days ago
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Max *************
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Alan *******
Thanks for the clear first-hand description. Regarding "they require you to have the money in your account for 4 months", do you know if it strictly 800k balance requirement for 4 months or what if for the months previous you maintained a progessively increasing balance above, say, 600k.
4 days ago
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Max *************
@Alan ******
 It's 800k in your account 4 months prior to the day you apply for the 1 year extension to obtain the bank letter.
4 days ago
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Nongnuch ********
@Max ************
 It's 800k in your account 4 months prior to the day you apply for the 1 year extension to obtain the bank letter which confirms that the 800k have been sitting in the account for 2 months 😉
4 days ago
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Max *************
@Nongnuch *******
 That confirmation isn't probably what Bangkok Bank means by this strange new rule. The reason might be borrowed money from agents,and they want to make it harder for them. I don't know,and I really don't care. It doesn't affect me the least. I've had my money in my accounts many years.
4 days ago
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Nongnuch ********
@Max ************
 same with me, I got 800,000+ in my SCB account since 17 years (when I turned 50) and been doing yearly extensions for the usual 1900 THB. I don't care when people try to tell me that paying agents is cheaper than the loss of interest for 24,000 USD in a fixed term account back home. I like my sound sleep knowing I am doing everything by the book
3 days ago
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Max *************
@Nongnuch *******
 Imo,only clueless people uses agents.I have my money (+ some more) for immigration in an FDA at Bangkok Bank.But I also have money back home since many years in both an FDA and savings accounts. It's a perfect setup for me.
3 days ago
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Max *************
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Alan *******
@Max ************
 thanks. It sure seems like they would be able to tell from the account activity whether or not it's laundering or otherwise illegitimate. But as long as they give the option to lock rhe funds for the necessary time after - my renewal comes up soon...
4 days ago
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Alan *******
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Will ********
Why notbapply to the Thai embassy in your own country and get your visa squared away before going?
4 days ago
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Jeremy ******
@Will *******
 it still needs to be in the bank for extension purposes.
4 days ago
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Pete *******
@Will *******
 it applies to in country extensions
4 days ago
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Pete *******
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Laurie ***********
thieving buggers, a nice bit of interest for them...
4 days ago
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Mark ********
@Laurie **********
3 days ago
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Andy ************
@Laurie **********
 How is it thieving? Stupid comment
4 days ago
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Brandon ************
@Laurie **********
 you're required to keep the money in your account for 3 months after you get your extension, and then it can never drop below 400,000. How is one extra month of 400,000 baht a huge inconvenience?
4 days ago
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Max *************
@Laurie **********
 You need the same money in your account anyway.
4 days ago
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Max *************
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Jesper *******
Is this for every bangkok branch? Or only some branch? I have a bangkok bank acct since 2017 but only did the 800k in 2022 my balance have gone less den 800k only for the month of June'25 and top up over 800k in july'25 ...I'm applying for extension in September does bangkok bank provide me the letter?
4 days ago
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Pete *******
@Jesper ******
 you will get the letter regardless
4 days ago
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Pete *******
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Malcolm *****
What sort of bank does this?
4 days ago
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Nick ************
I've done with BB when I get back to Thailand. No bank suspends my account with no notice and then expects me to continue doing business with them.
3 days ago
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Nick ************
@Malcolm ****
 the sort of bank that suspends your account with no notice!
3 days ago
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Andy ************
@Nick ***********
 Santander did it to me in the UK as they suspected I was no longer UK resident. A phone call sorted it out. It's a worldwide trend now
3 days ago
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Andy ************
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Pete *******
@Malcolm ****
 banks trying to protect themselves from fraudulent practices.
4 days ago
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Ling *****
@Pete ******
 well in Australia we comply to all international standards against money laundering and I can assure that i can order a statement online anytime without any problems at all. In fact I did just that for my non o visa on the evisa application, pdf issued and forwarded to the Sydney Consulate.
4 days ago
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Malcolm *****
@Pete ******
 so this practice happens in banks all over the world does it?
4 days ago
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Andy ************
@Malcolm ****
 Similar practices occur. The whole worldwide banking industry is undergoing a shake-up. If you're doing the right thing there's nothing to worry about
4 days ago
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Jay *******
@Malcolm ****
 banking in Thailand is going through big changes. Everyone just needs to weather the storm. It's going to be more difficult and confusing until they get everything lined out. Anyone expecting clarity or continuity is going to be greatly disappointed for a while.
4 days ago
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Pete *******
@Malcolm ****
 no as other countries have more developed legislation.
4 days ago
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Pete *******
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Ken *******
Quite confusing.. I transfer my pension through Wise to Bangkok Bank every month but I dont use it for a visa so I dont require statements. I use it for every day living hope they are not going to lock this away for 4 months every month..
4 days ago
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Frank *********
@Ken ******
 it's almost as if they make everything confusing on purpose these days, govt and banks. Western minds have difficulty following all these erratic changes
4 days ago
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Mark ********
@Frank ********
 I don't find the changes "erratic". Those doing the right thing are completely unaffected. It's only those hellbent on paying bribes to get visa extensions that are melting down over this, as it appears to be the beginning of the end for many suspect visas
3 days ago
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Lynnette *******
@Frank ********
 why is it difficult for a western mind to follow this bank's rule?
4 days ago
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Frank *********
@Lynnette ******
 read what it says exactly and then comment accordingly if you must
3 days ago
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Lynnette *******
@Frank ********
 I have. It's not difficult to understand and I've posted accordingly. I don't need your approval fortunately.
3 days ago
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Frank *********
@Lynnette ******
 i guess you just can not comprehend
3 days ago
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Lynnette *******
@Frank ********
 I'm the one who does comprehend. Lol.
3 days ago
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Mark ********
@Lynnette ******
 Correct. I don't find this tightening of policy to be erratic and difficult to follow. It's easy enough. Keep the 800k in the account for two months before and three months after extension date, and 400k the rest of the year and your account will never be frozen and you will get your letter and your statement
3 days ago
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Mark ********
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Andy ************
@Frank ********
 The only people this will affect are those using dodgy agents to get extension. And it's about time too
4 days ago
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Frank *********
@Andy ***********
 and what's wrong with that? It's the way of the nation
3 days ago
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Andy ************
@Frank ********
 The banks will no longer support fraudulent actions. There's nothing wrong with that. Why should a bank put its licence and reputation on the line to support cheap foreigners. Makes no sense
3 days ago
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Max *************
@Andy ***********
 Yeah,that's what I thought when I read about it the first time.
3 days ago
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Max *************
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Lynnette *******
@Ken ******
 edited my comment: as the op says, that is bangkok banks rule for issuing letter for immigration. So doesn't apply to you.
4 days ago
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Max *************
@Lynnette ******
 It's about issuing the bank letter,not a bank statement.
4 days ago
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Lynnette *******
@Max ************
 I'll amend the word. From statement to "letter". Fortunately I think he knew what I meant.
4 days ago
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Max *************
@Lynnette ******
 A bank letter is only needed when you're using the money in the bank-method.
3 days ago
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Lynnette *******
@Max ************
 🤦 I know. Already clarified that.
3 days ago
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Lynnette *******
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Pete *******
@Ken ******
 no they will not.
4 days ago
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Pete *******
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Neil ********
ORIGINAL POSTER
So I guess if you come on a short term visa you will not be able to open an account and have the money in place in time without locking it away for 4 months
4 days ago
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Stuart *********
Lots of posts about this. Yep it’s a Bangkok Bank thing and nothing to do with immigration or any changes in laws or requirements.

Nothing you can do about their new requirement other than comply or get an account with another bank.

Other banks may implement this in the future (or they may not).
4 days ago
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Stuart *********
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