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What are the steps for opening a bank account in Thailand as an expat on a Non-O visa?

Oct 9, 2025
2 months ago
Richard **********
ORIGINAL POSTER
Ok. I got it. My non o. Will be in bangkok on the 18th. Not worried about tm30 . Looking for sum advice on a good bank to park my baht in and how I should go about doing it. From US and use BOA. Looking to land smooth.
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TLDR : Answer Summary
The user plans to arrive in Bangkok on a NON-O visa and is looking for advice on banks to store their currency. Community members suggest opening an account at Kasikorn Bank or SCB, while warning against Bangkok Bank. They recommend bringing essential documents, such as a lease agreement, passport, and possibly a certificate of residence, though requirements may vary by branch.
NON-O RETIREMENT VISA RESOURCES / SERVICES
  • Go to the Retirement Visa Section for information on requirements, including age restrictions, financial requirements, and necessary documentation.
  • For immediate assistance, contact Thai Visa Centre directly via LINE at @ThaiVisaCentre or Email them.
  • Explore recent discussions by using the Non-O Retirement 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.
Jo **********
SCB
Tom ********
Krungsri (yellow Bank) is good and they have larger ATM withdrawal capability, Avoid Bangkok Bank.
Peter **********
@Tom *******
I believe Krungsri doesn’t accept incoming international transfers above 50,000 baht.

SCB is max 1.5 mln thb.

Kasikorn is max 2 mln thb.
Richard **********
ORIGINAL POSTER
Best way to move money into bank?
Donald **********
@Richard *********
- Swift/BACS from own bank, Wise, Revolut, Remitly, XE? Check who’ll do the best overall rate taking into account fees, exchange rate and introductory offers. Receiving bank might have fees too.
Mike **********
Dont forget to fill out the TDC 72 hours prior to
John ********
@Mike *********
I did mine at the airport before I went through customs. Took about 10 minutes. I've done it twice now. Dead easy.
Peter **********
@John *******
Exactly. Approximately 71 hours and 50 minutes LATER than 72 hours before arrival. 🤣🤣🤣
John ********
@Peter *********
There are computers set up at bottom of the ramp. About 6 of them. You just walk up to one of them and it is already on the first page. And it's within 72 hours of arrival.
Peter **********
@John *******
Yep. Do they still offer assistance at the terminals?
John ********
@Peter *********
Not when I came back last week but being not real flash on a computer I was able to get through it. Last time there were 3 or 4 great ladies to help if you need it.
Supreedee *****************************
@Mike *********
can we do 24 hours before? Seem stupid question sorry.
Peter **********
@Supreedee ****************************
Yes. Not earlier than 72 hours before arrival.

You can even do it at the available terminals at the airport!
Mike **********
@Peter *********
this is correct.
Kim *********
@Peter *********
not earlier than 72 hours before arrival you say which means later than 72 hours before arrival which is wrong. You meant not later than 72 hours before arrival. Can be filled at arrival and up to 72 hours before that.
Peter **********
@Kim ********
I meant what I wrote and my language was perfect.

“Not earlier than 72 hours before arrival” means exactly “During the last three days before arrival”. Not earlier, so not 3.5 days before arrival.

If you don’t know the meaning of the word “earlier” I suggest you take some lessons of English language.

Don’t you tell me erroneously what I meant. I wrote exactly and precisely what I meant and it is the correct wording.

It *must* be later than 72 before arrival. You can even fill it out 12 seconds before arrival, which is 71 hours, 59 minutes and 48 seconds LATER than 72 hours before arrival.

Next time when your arrogance tells you to correct someone at least assure that you are right because otherwise it might make you look really stupid! 🤣
Kim *********
@Peter *********
your arrogance is overwhelming 😂 not earlier than 72 hours before arrival means later than 72 hours before arrival - which could be for example 3 months before arrival - and that's not what you mean. So it is in fact within 72 hours before arrival and no - your language was not perfect since you wrote the opposite of what you meant.
Peter **********
@Kim ********
Damn, do you have a thick skull!

Imagine someone arrives on the 20th.

72 hours before the 20th it’s the 17th.

You can not fill out the TDAC *EARLIER* than the 17th.

You can not fill out the TDAC *EARLIER* than 72 hours before the 20th.

You can not fill out the TDAC *EARLIER* than 72 hours before arrival.

You are a programmer? How many morons did it take to debug your stupid mistakes???? Geez!!!
Kim *********
@Peter *********
. Your stupid insults I don't care about.
Peter **********
@Kim ********
That’s fine. Your skull is too thick to catch that anyway.

I hope my explanations, confirmed by many others here, have taught you something. Then at least I made a small contribution to the world.

And maybe, just maybe…. some day far far away… you might see the light. I hope for your sake, and for the sake of those that need to bear your presence, that this day will come soon. I wish you well.
Nongnuch ********
@Kim ********
Peter"s grasp of English is correct. You are wrong. "not earlier than 72 hours before arrival" means exactly what you should do: if you filled out the TDAC as "early" as 94 hours, 80 hours, 75 hours etc. etc. before arrival, the TDAC system won't accept it. That's why the TDAC should not be filled out "earlier than 72 hours before arrival". And of course you also can fill out the TDAC "later than 72 hours before arrival", which would mean any time between 0 and 72 hours before arrival . . your problem seems to arise from ignoring the negation
Richard **********
ORIGINAL POSTER
@Mike *********
thank you. I won't forget
John ********
@Richard *********
You can do it at the bottom of the ramp before you go through customs. To easy.
Mike **********
@John *******
or on your phone where there isnt any lines.
John ********
@Mike *********
Yeah. Just don't be in a hurry. I forgot to mention that.
Mark ***********
Kasikorn didn’t ask me for certificate of residence this morning when I opened account on my non-o retirement visa with lease, but every branch and teller can be different. You might go to a bank or two and ask for requirements.
Jesper *******
Kasikorn OR SCB avoid bkk bank....you will need lease agreement/ residency cert passport(nonO) and thai phone number registered under your name
Simon *******
Kasikornbank are very good and helpful, DO NOT GO NEAR BANGKOKUP BANK
Charles **********
@Simon ******
curious Why is Bangkok Bank not recommended? I’ve used it for 12 years already and I’ve had no major issues. I only stay in Thailand 2 months each time we go there every year.
Simon *******
@Charles *********
Read the news a out them freezing accounts without notice ,then making people go the original branch they opened up the account even if it was the other end of the country
Steve ********
@Charles *********
It's all connected with bribery and corruption. Those of us who kept our noses clean have been totally unaffected
Peter *********
Steve ********
@Peter ********
Actually very true. My Bangkok Bank account has never been frozen, and I've always done the right thing. It's surprising the number of people who have used agents to falsify the 800k lump sum have been suspended.
Peter *********
@Steve *******
well I also did the right thing and my account was frozen until I took the same documents I opened the account with only 6 months ago , BTW still got 1M baht in the account
Steve ********
@Peter ********
So an agent didn't open your account, and you've never been on a tourist visa?
Graham ******
@Charles *********
seen the Thai news recently?
Behzad ***********
I opened an account at Kasikorn bank and they wanted a copy of the rental lease agreement, passport, and a copy of E Visa
Richard **********
ORIGINAL POSTER
Richard **********
ORIGINAL POSTER
Thank you
Brandon ************
You finished the first step.

Arrive, get settled into where you'll be staying, then go to immigration and order a certificate of residence. Then go to Kasikorn or a bank of your choice (NOT Bangkok Bank) and try to open a bank account. You might need to hit a couple of branches, as the branch managers determines the rules for each branch, so some are better than others).

Once you have the account, it's pretty straightforward from there. Just make sure you can get that done within the first 30 days with your money transferred into your new account for your extension.
Sean **********
@Brandon ***********
however, worried or not you will need the TM30 when you go to immigration for the certificate of residence.

If you are staying at a home you may also need a copy of the 1st page of the owners Blue Book and the owner ID card. It is likely you will need a copy of your Thai Cell phone bill that matches the number you are using to open the account.

The suggestions here advising go to the bank first and ask about requirements sounds like good idea to me.
Brandon ************
@Sean *********
I assumed when the op stated "not worried about tm30" means they already have getting that done figured out.
Sean **********
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