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What is the experience of opening a bank account for expats on an O-A visa in Thailand?

May 2, 2025
21 days ago
Charlie ********
ORIGINAL POSTER
Bank account update.

Hi last week I posted here asking for personal experiences opening a bank account and I got some helpful advice. I also got the usual doom sayer , keyboard warrior stuff suggesting I had no chance without an agent. Anyway, here is my experience and this relates only to one bank branch in one specific place but it may assist someone. It’s specific to me a UK citizen on O-A 12 month retirement visa.

I went today to Bangkok bank in Karon Beach, Phuket , I was there a total of 55 minutes including waiting time. I signed what seemed like hundreds of forms then left with a savings book and master card for my newly opened bank account.

What was required :

1. My passport showing entry stamp and long term visa

2. Printout of E Visa

3. I was asked for a Thai driving licence but they accepted my UK licence and International driving permit instead.

4. Thai phone number

5. UK UTR ( Tax reference)

I had taken a residence certificate ( some people in this group refer to this as “ a letter from immigration” )this was not required.

I also took TM 30 also not required and I was never asked for a tenancy agreement. ( I don’t have one anyway)

As I say this was my experience in a specific branch. The experience may well differ in different branches of BKK bank and different banks. It may also differ with different nationalities and different visas.

I paid a small fee 699 baht for my Mastercard. There was an option for a different card at 400 baht. After my account was opened I was offered insurance but declined and this was no issue.

One last thing, despite having a Thai sim I could not set up online banking but was told if I got a top up invoice from an AIS store with my phone number on it they would be able to do this for me quite easily on my next visit.

BKK bank in Karon is the first and only bank I went to.

Hope this helps someone
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TLDR : Answer Summary
A UK citizen on an O-A retirement visa shared their successful experience opening a bank account at Bangkok Bank in Karon Beach, Phuket. The process took 55 minutes and required a passport, E-Visa printout, UK driving license, Thai phone number, and UK UTR. A residence certificate was not needed despite previous advice suggesting otherwise. The account setup included a small fee for a MasterCard and the potential for further banking services on future visits. Feedback from comments highlighted varying experiences and requirements across different branches and banks.
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.
Clare **********
Insurance is a good thing to have especially if you don’t have your own personal Insurance, we got ours with Bangkok Bank & it covers us for an accident on moped or car, & it’s not expensive at all.
Charlie ********
ORIGINAL POSTER
@Clare *********
I have life insurance, accident insurance and medical insurance so didn’t need banks insurance
Clare **********
@Charlie *******
we had medical insurance via Revolut but it’s rubbish! So we decided to go with the bank option.
Robin *******
What did they want your UTR for do they speak to HMRC….
Charlie ********
ORIGINAL POSTER
@Robin ******
I don’t know if they do, if you don’t have a Thai tax identification number they want your UTR I suppose to ensure that you have paid tax in your home country therefore you are not liable for tax in Thailand on the same income. (Double taxation agreement) I am not an expert on taxation or finance therefore you will be better placed seeking professional advice if in doubt.
Roger ********
Never used to be this hard.
Cliff *********
Congratulations!
Bruce **********
Thanks for the update
Bob **********
With an OA you should have no problem opening an account
Henrik *****
It is because of the long term O-A visa, they will let you open a Thai Bankaccount.

It is mainly people on tourist visa’s ( incl. DTV) that have problems opening a Thai bank account.
Charlie ********
ORIGINAL POSTER
@Henrik ****
I am aware of that but I was told in this group I also needed TM30, residence certificate and 12 month rental agreement…non of which were required that is why I’ve posted my actual experience in order to assist and enlighten people.
Eddie **********
Great work.

And you got lucky. Its different demand in different banks and even different demand in same bank

But different bransch and also depending on staff and their education
Charlie ********
ORIGINAL POSTER
@Eddie *********
maybe but my post is so that other people can follow what I did and maybe they will get lucky also
Bent *************
Please, make it shorter next time!
Charlie ********
ORIGINAL POSTER
@Bent ************
my post? Is that the only way you could find to be negative?
Bruce **********
@Charlie *******
He was talking to his boyfriend
Frank **********
Don't Lose Your Thai sim card

Keep it toped up
Steve *******
Hi, great information as I will be attempting to get a bank account in September.

What is the UK UTR?

Is it a P60?

Thanks, Steve
David *******
@Steve ******
Where to find your UTR

How you find your UTR depends on your circumstances.

If you’re an individual or sole trader

You can find your individual UTR number:

in your Personal Tax Account

in the HMRC app

on previous tax returns and other documents from HMRC (for example, notices to file a return or payment reminders)

If you cannot find your UTR on any documents or online, contact HMRC.
Steve *******
@David ******
got it now, thanks.
James ******
This guy is giving his experience in a particular bank and so many people are fighting it. Amazing.
Damo ***********
Yawn!
John *********
Similar experience at same bank. They also wanted a Residency Certificate that I got at immigration fairly easily.
Charlie ********
ORIGINAL POSTER
@John ********
I had a residence certificate but they didn’t want to see it and didn’t want to make a copy. She did say that this had just recently changed.
Colin *******
The Invoice must have your Full Name andThai address on it, otherwise they will not accept it, I was given one from the True Shop, with just my name on, had to trudge back and join the queue again, to get the right invoice.
Charlie ********
ORIGINAL POSTER
@Colin ******
thanks that is helpful.
Alan ******
Different strokes for different folks here in Thai.
Ernesto ********
They have always given one with a one year extension. No real insight
Charlie ********
ORIGINAL POSTER
@Ernesto *******
First of all I don’t have a one year extension. I have a one year non O-A visa and the point I am making is that in this group I was told that even with my one year visa I would need residence certificate and 12 month tenancy agreement and I did not. I have also been told that I may have to shop around several branches and I was successful at the first one I tried. That’s the insight but thank you so much for your comment. I’m so glad the internet in general and this FB group in particular is simply filled with positive helpful people like you.
Anna *********
@Charlie *******
there is a huge amount of misinformation given on FB
Charlie ********
ORIGINAL POSTER
@Anna ********
I understand that, that’s why I have posted my personal experience from today. After searching the topic on here then making my post last week requesting advice and help I was not looking forward to trying to open a bank account today. I thought posting my actual experience might help someone who was in a similar situation to me. Misunderstanding and unintentional misinformation are a natural consequence of asking for advice from peers and I accept that what I don’t like to see are other people’s negative comments. ( not you by the way lol)
Tony *****
@Ernesto *******
and there it is. The negative comment 😂😂😂😂😂 there’s always one
Jesper *******
Congrats...firstly you are holding a non O (that's the most important) other requirements are up to the branch annual fee for debit card master is usually 150baht...699baht may come with a little insurance (accident but not comprehensive) you can check again on your next visit....go to any AIS outlet verify your passport and make a little top up over the counter and ask for receipts...having a mobile banking app will make your life more easy cheers
Graham ******
@Jesper ******
The OP states it was a Non-OA (12 month retirement visa)
Jesper *******
@Graham *****
oh my bad
Charlie ********
ORIGINAL POSTER
@Jesper ******
I have a non O-A which is different to the non O , the fee was for the master card I declined the offer of insurance.
Jesper *******
@Charlie *******
just to share mine was a union pay debit bkk bank (comes with a siriraj hospital protection) 599baht/yr was issued with yrs back
Anna *********
It’s usually the DTV visas that have huge difficulties getting bank accounts Glad you were successful
Lee-Ann *******
@Anna ********
we ate DTV Visa holders, went to Bangkok Bank at central festival today and asked for a bank account, basically they said yes but need to get the insurance, cos we said we'd come back as we want to check the insurance out first, if anyone can say if it's ok to get , we'll go back Monday
Anna *********
@Lee-Ann ******
well done That information should help a lot of people who seem to have problems opening an account
Lynnette *******
Seems having a "non tourist" visa is the key.
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