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What challenges do foreigners face when opening a bank account in Thailand?

Apr 2, 2025
6 days ago
Mari *********
ORIGINAL POSTER
It seems opening a bank account for foreigners is becoming difficult. I just wanted to share our experience. My husband (American) and I (Thai-American) landed in Bangkok on Wed. The first thing we did upon arriving was to obtain a Thai phone for my husband. Once that was done, we received a receipt from AIS with his name, passport number, and his new Thai number listed on the receipt along with the salesperson’s signature. We went to the official AIS store so I’m not sure if the authorized AIS vendor would be able to produce the same receipt. We told the salesperson we needed a phone so my husband could open a bank account. She was the one who offered the receipt to us!

The next day (Thu), we went to the local branch for SCB and Bangkok Bank to try to open an account. We were told it could take about 7-14 business days because they would need to send his application and documents to the HQ office for review. If the HQ office has any questions or need additional information/document, the local bank would contact us. Rather than wasting time going back and forth with the local bank branch, we decided to go directly to the Bangkok Bank HQ in Silom. (Thank you for previous suggestions from this forum about going to Bangkok Bank HQ!) We provided them with the following documents:

* Husband's US passport

* Husband's US driver's license (in the US our driver's license is our ID)

* His Non-O E-Visa based on staying with Thai family visa

* Our US marriage license, which has been authenticated by the Royal Thai Consulate in the US

* My Thai ID

* The official AIS receipt

Even with all these documents, they were still trying to find a way NOT to open an account for my husband. Luckily, I was able to counter all their questions. My husband now has a bank account! The whole process took about an hour. It was a pain but I’m glad we got that done right away. Now we can transfer fund into his account in preparation for visa extension in June!
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TLDR : Answer Summary
Foreigners, especially those with American citizenship, face increasing challenges when trying to open bank accounts in Thailand due to stricter banking regulations. A couple recently shared their experience of successfully opening an account, detailing necessary documentation like a US passport, driver's license, a Non-O E-Visa, and a marriage certificate. The process involved visiting both local and HQ branches of banks, highlighting that procedures can vary significantly by branch. Several comments from the community stressed the impact of US FATCA regulations on banking access and the importance of having proper documentation and, at times, patience when navigating the system.
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Ivan ******
what is AIS?
Mari *********
ORIGINAL POSTER
One of the mobile providers in Thailand
Mike ******
Any one who gets out of a Thai Bank in under an hour is a very lucky person. I waited 45 minutes in a Bangkok Bank and watched in horror as TWO counters managed to serve ONE customer. As there were 8 customers in front of me, and aged 82, I decided I had more chance of dying of OLD Age than getting served. Bank assistants cannot stay on task for more than two minutes before they get up for a walk or chat or coffee.
Ken ******
it probably due to thai monetary authority stricter policy, not only americans, hongkong and chinese people having difficulty opening an account, even the MRT recently imposed requirement that their stored valuated type ticket need registered with personal identity document and authenticated by a phone conversation with their office, well, you may doubt their wisdom, how one so clever use the storage ticket for money laundering if it is illicit money, you need to go to heaven a thousand times to clean.up all the fortune
Did *****
My local Bangkok bank wouldn't even let me open one on my non-o visa with a certificate of residence from immigration. The employee said : only for long term visas or education visas 🤡🤣

Kasikorn wasted 40min for all paperwork and pictures, but at the end denied because my name on marriage certificate was longer than on my passport (well I have officially 5 first names, but only the two first ones and the first letter of the 3rd one are printed on my passport) , they couldn't make sure I was the one married to my wife 🤣

SCB was the bank that didn't make problems, only had to wait for approval from HQ a few days. Opened after that also my Fixed deposit account and an FCD at their place 👍🏼

That was last year. It's like you read all the times, every office/branch , private or government are just ticking differently by making up their own rules, interpretating them differently or just by pire ignorance/incompetency.
Suchada ***************
Is your husband on a marriage visa?
Scott *********
I have never had a visa to thailand and have a thai bank account.

I have never used an agent.

I do not have a thai wife.

I downloaded the criteria for opening a bank account and produced all documents required.

I dressed well and was respectful.

I did this at a branch where no one spoke english and I don't speak thai.

All through google translate.

Anything is possible if you put your mind to it.
Ken ******
@Scott ********
i think you don'T aware of recent changes
Scott *********
@Ken *****
maybe not but the last line I wrote remains true.
Patricia ********
My friend opened an account with Bangkok bank, she bought an apartment in Bangkok😂
George *******
In the UK you have to be long term resident I believe to open a bank account. It's all about criminality. Having said that, I'd of thought with the internet there would be a worldwide system of checking individuals credibility. Not rocket science.
Patrick **************
And you wonder why Thailand never developed. Back in 2013 I went to study in South Korea as an exchange student for 6 months. I walked into a bank and they opened my account and gave me everything, check book, atm card in minutes. Today I can literally do it only if I have my Korean visa.
Lynnette *******
@Patrick *************
Thailand much the same as other countries. You need long term visa etc.
Mark *******
thank you u for the info.. looking 4 months later to open a account
Jack ********
@Mark ******
what visa will you be on?
Tore *********
I know its more difficult for Americans, but if your in Bangkok:

- In google maps, zoom in to Vimut Hospital.

- Then search Bangkok Bank.

Head to the small branch closest to that hope 😉

Im on DTV (medical) and easily got Bank account based on medical treatment, DTV, and condo lease.

Each branch is widely different
David **********
For some reason this process is very unpredictable and each bank makes up ita own rules. Some places make it really complicated..Just go somewhere else however and it can be very easy. I can't make it make sense but that is the reality.
Tony ******
Well done enjoy 😎🙏🙏
Julian *******
That’s where I opened my account. I then got my yellow house book and my pink ID which has enabled me to open accounts in other banks including GSB where I keep the monies required for the marriage visa. Gsb writes a letter to immigration confirming the account and the monies etc. I also get enrolled in their monthly draw and win 4800 baht over the last six months as well as interest.
Ken ******
@Julian ******
hi you know any agency help to get pink card for a fee? do you need to take two local thais to act as witness?
Julian *******
@Ken *****
I just went with my wife to the amphur with my yellow book and passport and marriage certificate.
Michael *******
Difficult in most parts of the world now, many hoops to jump through, and I was forced to close my accounts in Hong Kong and Dubai when I retired, I only manage to keep my UK account as I still have a property there……..I have Wise as a back up and for handling transfers…..they are all paranoid about money laundering and illegal activities……fair enough I guess, Thailand is just playing catch up…….
Michael ******
I haven't heard before of banks requiring a Thai phone number as a requirement for opening a bank account. Is that common? I haven't opened mine yet, so I wouldn't know from experience. Planning/hoping to do so later this year. 🙂
Anna *********
@Michael *****
it’s another form of proof of who you are. It certainly helps I have had an account for years but to access the app my BKK bank wanted a phone receipt with name PP number etc
Ruel *******
@Michael *****
in my case, I had to get a Thai phone number in order to receive the OTP to activate the Bangkok Bank app on my phone. I use the phone app to pay via QR code merchants, big or small.
Brian *******
took my passport my 60 day visa stamp my thai gf and went to bangkok bank who opened my account. now i can scan to pay and it amazes the locals when i do it to pay for food and merchandise
Brook ********
The downside is that you now have to travel back to the main branch for certain transactions and any changes to your account.
James ******
I really don't understand what's going on I can see them not wanting to give a Tourist a bank account, that's up to them but if somebody wants to get a retirement visa you need to have money in the Tai bank account so may be only allowed if you're putting 1 million in which will cover the reason
Jim *****************
Thank the US government and FATCA for your difficulties
Greg *********
Bangkok bank only needed to see my long stay visa (non-OA) and rental agreement to open one for me.
เฮินรี่ *********
@Greg ********
Yes, just visa (atleast 30days left) and rental agreement or recidence certificate.
John *********
Get a good visa agent. They will help you out
Bill *********
@John ********
Exactly. The task would have been done by an agent in the time it took you to write this post! Always get an agent to assist with such matters.
Bob *********
Although opening a bank account for non-Thais might have become more difficult I guess in this case the main problem is the US nationality or residency - as this creates a FATCA problem. Banks all around the world are hesitant to open bank accounts for US citizens as it creates huge compliance and reporting costs.

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Add ******
@Bob ********
Do you know where Icici bank headquarter is located. I never heard of it.
Bob *********
@Add *****
I know it’s not a thai bank but they had a clear explanation what FATCA entails so purely for information purposes on that topic
Add ******
@Bob ********
Thank you! It is very informative.
Bipin *******
@Add *****
, it is an Indian bank with headquarters in Mumbai, India
Jeffrey *********
@Bob ********
All Thai banks are required to do FATCA reports whether they want to or not, and whether or not they have any American customers, due to a bilateral agreement between the US and the Bank of Thailand. Even Thais must fill out a form stating whether they are a "US person" for FATCA purposes, and the actual reporting of account information is automated.
Bob *********
@Jeffrey ********
but if a customer comes in with a US passport the banks already know they will have extra work to do and additional disclosure. Thais without US tax obligations just state that and no more work required for the banks. I was pointing out that in this specific case the banks might have been reluctant to open an account is because it was clear from the start they would have additional FATCA compliance due to US passport - and not because of “general” difficulty for non-Thais to open a bank account
James ******
Agreed the bank hast to turn in the amount in our bank account to America every year, we have to turn in the amount in our bank account every year to the IRS. sucks
Mary ********
@Bob ********
exactly.
Jo **********
@Bob ********
you are so right. FATCA is a modern day witch hunt. Terrifying and really fanatical. Totalitarian regime
Jack ********
It’s not difficult with a Non O. The people having the most problems are the ones on a DTV or other tourist visas
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