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What are the pros and cons of holding a DTV visa in Thailand, and how do you adjust without a Thai bank account?
DTV VisaVisa Pros and ConsThai Bank AccountLiving in ThailandExpat ExperiencesBanking OptionsFinancial Management in Thailand
Jan 9, 2026
4 months ago
Mike *******
ORIGINAL POSTERQuestion for my DTV holders: what are the pros and cons of having this visa? Also, not being able to have a Thai Bank account with this visa, how is this adjustment?
TLDR : Answer Summary
The DTV visa offers several benefits, such as multiple entry into Thailand and the ability to work online. However, one notable drawback is the difficulty in obtaining a Thai bank account, which can complicate financial transactions. Many expats manage their finances with international banking solutions like Wise, and some have reported success in opening Thai accounts with persistence.
DTV VISA RESOURCES / SERVICES
- Take the basic DTV Qualification Test to see if you're eligible for the Destination Thailand Visa (DTV).
- For immediate assistance, contact Thai Visa Centre directly via LINE at @ThaiVisaCentre or Email them.
- Explore recent discussions by using the DTV Visa tag in the search box at the top of the page.
- Join the Thai Visa Advice Facebook Group to ask your questions, and get advice from others.
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Andy ********
If you are under 50, not married to a Thai national and don't have any dependent children the DTV is a great option if you want to spend extended periods in Thailand.
With regards to bank accounts without a Tha one it would make life tricky but not impossible. A bank account with low or zero foreign transaction charges is the way to go. Kasikorn Bank has introduced an app that allows you to pay in foreign currency and scan to pay. There are also plenty of reports that some people have been able to open a Thai account on a DTV. So being polite and persistent may get you a Bank Account.
With regards to bank accounts without a Tha one it would make life tricky but not impossible. A bank account with low or zero foreign transaction charges is the way to go. Kasikorn Bank has introduced an app that allows you to pay in foreign currency and scan to pay. There are also plenty of reports that some people have been able to open a Thai account on a DTV. So being polite and persistent may get you a Bank Account.
Andi ***********
I use Wise for my "banking" needs in Thailand, have no probs at all without a Thai bank account. No cons for me with a DTV as It gives me exactly what I want, multi entry into LOS and ability to work there online.
Mike *******
ORIGINAL POSTER@Andi **********
thank youReply to
Mike *******
Reply
Simon *******
The pros and cons compared to what ?
Mike *******
ORIGINAL POSTER@Simon ******
okay gotcha! All this information helps because the Thai embassy in the USA and emails sent are so conflicting.Mike *******
ORIGINAL POSTER@Simon ******
maybe I did not ask the right way. I was told you can’t get a Thai Bank with a DTV and it would very challenging having the DTV. I’m asking from people who have one, what has been your experience with the DTV and Thai Bank account. Just confused as I amGraham ******
@Mike ******
If you got a Thai bank account while on a DTV there is a danger that if you had to visit a branch for identification or any other reason there is a risk that they could close your account due to having an inappropriate visa. That's a 5 year long con.Reply to
Graham ******
Reply
Lynnette *******
You have a bank account at home. Like most tourists. Unless you opened a Thai bank account previously.
Mike *******
ORIGINAL POSTER@Lynnette ******
no you all are right I will leave it alone NO BANK ACCOUNTLynnette *******
@Mike ******
I got one opened last year but I own a condo and so I had a Thai friend help negotiate ( argue ) with the bank. It might be blocked now as I'm not there to check at the moment.Chris ********
@Lynnette ******
can check Thai bank even when your not there , app works when overseasReply to
Chris ********
Reply
Mike *******
ORIGINAL POSTER@Lynnette ******
thank youLynnette *******
@Mike ******
you can keep trying, or maybe one of the agencies can help convince a bank to give you an account. Worth a try.Reply to
Lynnette *******
Reply
Mike *******
ORIGINAL POSTER@Lynnette ******
are you saying don’t worry about getting a Thai account with a DTV? Has there been any challenges?Lynnette *******
@Mike ******
no idea. But it's a tourist visa, and most tourists have accounts at home. So most Thai banks won't open an account for you.Reply to
Lynnette *******
Reply
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