ask
Search
Ask
Answereda year ago

What are the requirements for opening a bank account in Thailand with a Non-O visa?

Stuart *********
asked Dec 8, 2025
3.6k
views
28
replies
4
likes
I arrived in Thailand on the 29th of November with my Non O visa planning to retire. TM30 sorted at local immigration then on to Kasikorn bank to open an account. Even though I had all the correct documents and my Thai girlfriend with me to translate I was refused. They said I needed a yellow house book. We went to the local government office to ask and were told it would take 6 months. Impossible as I only have 90 days to get this sorted. On to another branch, no success again. OK let's try Krungtai , 45 minutes queueing before being told no again.

What do I have to do to open an account here?

I tried the above banks because they have good reputations and I am avoiding Bangkok bank.

Should I keep trying different branches of the big 2 or are there other options? I'm in Bueng kan province on the border with Laos. I would appreciate any input.
Answer summary
The poster is a recent arrival in Thailand with a Non O visa, seeking advice on opening a bank account. They've faced repeated refusals from various banks due to the requirement of a yellow house book, which they were informed would take six months to obtain. Community members suggest continuing to try different bank branches, obtaining a residency certificate from immigration, or hiring an agent to facilitate the process. Experiences vary, with some having success without the yellow book, indicating that requirements can differ significantly between branches.
28 repliesnewest first
15

Click comment and we will ask for your email, then OTP, then name.

Peter ******
Peter ******
You say you have all the documentation yet they asked for a yellow book, sounds like you don't meet the residence requirements. Did you get the local immigration to stamp your lease, or the tabien baan for the house you live in.
Stuart *********
Stuart *********
OP
I can speak and understand the Thai language enough to make conversation but it is different when dealing with banks and immigration. I have my Thai girlfriend with me to help but the staff in the banks seem to dismiss us without listening and not even looking at my documents. They seem to want an easy life without the hassle of giving me an account. I have been coming to Thailand for 19 years and fully accept that things are done very differently here. For your information, English is the most commonly used 2nd language in Thailand. It's much worse for someone from Germany or France, nobody here can speak these languages. I had a German friend who hated the fact that he had to speak in English because he couldn't speak Thai. I love Thailand, the people and the weather and have always been fully aware of the problems with the culture and the language.
Stuart *********
Stuart *********
OP
@Peter *****
I have a letter from immigration showing my address. They said I have all the necessary documents to be able to open a bank account. I think their main problem is that no one in these banks can understand English.
Yo***
Yo***
@Stuart ********
it is not the main problem. You are in Thailand. The main problem is you. And me as well. We can not speak thai yet in thailand. 🤣English is not widely using language in Thailand, also in many countries. If you want to speak English widely, better go to USA, UK or Australia, or Cananda, or near here, Malaysia, noone forced you to come to Thailand. actually thailand not welcome to Foreigners. But many foreigners love Thailand, so they walk in to Thailand by themselves. If you do not hink so, Thailand is not fit for you then. But I am very sure, if a foreigner can speak thai very fluently, he or she will have much much less problems in Thailand.
Rohbear *********
Rohbear *********
It's different everywhere, I guess. I just opened a KrungThai account in Chiang Mai province 2 weeks ago, with just my Passport with the Non-O visa in it, my driver's license and the TM30. No request for the certificate of residency or yellow book (which I don't have). Go figure.
Tez ******
Tez ******
I found getting the residential cert was difficult at Bueng Gan immi.
David ******
David ******
For reference, my story, everything handled with ease at Krungthai but it took getting passed around until they put me with a lady that spoke perfect English and knew her shit. All it took was my US Driver License, Resident Certificate, and Non O Visa, passport. Simple and easy. You need to find someone in the bank knowledgeable and willing to do all the paperwork.

And oh Yeah, I went to one of those branches in a shopping mall with a lot of foreign folk.
Stuart *********
Stuart *********
OP
@David *****
I think the main problem is that no one in any of the banks nearby can speak or understand English. I do also get the impression that it would be too much hard work for them to do for me. Thanks for your help 👍
John *********
John *********
Why do you need a Thai bank account? Wait until you have a retirement visa then apply, use wise etc works fine in Thailand 🤷🏾‍♀️
Stuart *********
Stuart *********
OP
@John ********
I must have 800,000 baht in a Thai bank account for 2 months before I can apply for a retirement visa. First I need a bank account
Ossie *********
Ossie *********
@Stuart ********
not if you use an agent they sort it all out for you
Ossie *********
Ossie *********
@Stuart ********
have you not got translator on your phone I’ve had many good conversations using translator
Stuart *********
Stuart *********
OP
@Ossie ********
I have the Non immigrant O visa. This is the visa everyone needs to then apply for a year long retirement visa,which is my goal. No one speaks English in the the banks up here in Bueng kan and I think this is the main problem. I'm even considering asking an officer from immigration to accompany me to a bank. Maybe such a suggestion would be laughed at in immigration. Going to look further afield in Udon Thani where there are more falang and maybe an English speaker in a bank.
Ossie *********
Ossie *********
@Stuart ********
you need the visa to open a bank account what visa have you got if you come in on a 90 day visa that can be converted as far as I’m aware this is not the case with a tourist visa over the last weeks all the rules have changed so I’m not 100% up to date there is a lot of confusion
Stuart *********
Stuart *********
OP
@Ossie ********
do you know of an agent who could help with opening a bank account? I don't need any help with the visa
Ossie *********
Ossie *********
You need an O visa pay an agent they will do everything for you yes it costs money but at least you have peace of mind I suggest you contact
************************
shes a straight talker no BS will give you a price !!!
Ossie *********
Ossie *********
What’s expensive !
Jeffrey **********
Jeffrey **********
@Ossie ********
they are insanely expensive
Stuart *********
Stuart *********
OP
@Ossie ********
Thank you, this sounds positive 👍
Greg *********
Greg *********
Find yourself an agent, they will get an account
Stuart *********
Stuart *********
OP
@Greg ********
Thank you. Maybe this is what I should do 👍
Terrence ************
Terrence ************
Welcome to Bueng Kan province. I have been trying to do exactly what you are trying to do for the past year. I got exactly the same runaround as you. I hope you have success. If you do please let me know how the immigration office helped if at all.
Stuart *********
Stuart *********
OP
@Terrence ***********
Thanks, I will let you know
Chang ******
Chang ******
K,bank is easy to open

But you need certificate of residency, along with visa to open ,
Russell ******
Russell ******
@Chang *****
yes k bank👌🏼 open account yesterday with my Thai wife but you can't use the mobile app with out a yellow book. We are going to sort that tomorrow 🤞🏼
John ********
John ********
@Chang *****
I did the same thing. I did go to my Visa Agent and she had all the documents ready for me. And she gave me a letter to K bank for proof of residence. Easy.
Brandon ************
Brandon ************
Each bank branch manager sets the requirements for their own bank branch. So you'll need to keep trying other branches until you find one that will do it. A yellow book should not be a requirement as it's not possible for everyone to get one.

You said you got a TM30 but that doesn't do anything for a bank account. Have you gotten a residence certificate from immigration that specifically says it's for opening a bank account?
Stuart *********
Stuart *********
OP
@Brandon ***********
Thank you. I do have a residence certificate that is for opening a bank account. I think I will contact an agent. Time is running out!

Activity

15 joined
Stuart *********
Stuart *********
Stuart *********
Stuart *********
Stuart *********
Stuart *********
15
people
Thai Visa Advice and Everything Else
Thai Visa Advice and Everything Else
...members60% approval
Member 1
Member 2
Member 3
Member 4
Member 5
Member 6
Member 7
Member 8

Related

25
What new requirements should I be aware of for renewing my NON-O retirement visa in Thailand?
4.6k37537mo
Is a TM30 sufficient for opening a bank account in Thailand with a Non O visa or is a certificate of residence required?
7.2k321487mo
How can I open a bank account in Thailand while on a Non O visa without a lease agreement?
2.5k18288mo
What is the process and timeline for renewing a Non-O retirement visa in Thailand?
2.4k11421y
Can my wife submit my 90-day report at immigration on my behalf?
1.1k482y
What documents are required for the 90-day report with a DTV visa in Thailand?
2.3k17192y
What are the current requirements for extending a DTV visa in Thailand?
17.5k1501772y
What are the requirements and process for the 90-day report on a DTV visa in Thailand?
4.6k33432y
What are the requirements for U.S. citizens to obtain a retirement visa in Thailand?
4.8k42332y
What documentation do I need to open a bank account in Thailand with a Non O visa if I have a Nakhon Pathom address?
3.1k28102y
What specific forms do I need to apply for a Non-O retirement visa in Thailand?
6.2k53543y
What is the online registration system for tenants in Thailand and how can it be accessed?
2.7k22113y
What documents are required for a visa extension in Thailand?
1.4k973y
What are the steps and requirements for filling out the TM30 as a property owner in Thailand?
1.6k10114y
What are the current requirements for renewing a Non-O retirement visa in Thailand, especially regarding documentation and photo submissions?
1.9k14154y
What are my options for extending my Non-O visa in Thailand without leaving the country?
8843104y
What steps should I take after arriving in Thailand with a non-OA retirement visa?
3k21334y
What are the health insurance requirements for a Non O retirement visa extension in Thailand, and can my wife extend her stay on a tourist visa?
658175y
What are the TM30 requirements for STV visa holders staying in different provinces in Thailand?
1.9k16116y
What are the TM30 requirements for staying with a friend while maintaining a lease in Thailand?
1.1k756y
What documents are required for my first 90-day report for a non-O visa extension in Thailand?
2.1k14216y
What are the options for extending a Non O visa in Thailand for a family visit?
1.1k686y
What are the requirements for extending a visa in Thailand regarding address reporting?
1.8k14116y
What are the requirements for the 90-day reporting in Thailand?
811436y
What are the requirements for submitting a TM30 in Thailand for returning expats?
1.3k897y

Resources

Need help with your retirement visa?