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What is the new policy from Bangkok Bank regarding long-term visa holders and bank account balance certificates?

Jul 2, 2025
12 days ago
Stuart *********
ORIGINAL POSTER
Bangkok Bank & long term extensions.

Reports are appearing that Bangkok Bank have implemented a new policy for long term visa holders wishing to get a bank account balance certificate that’s needed for your extension.

They are now requiring that you have the money in your account (400 or 800k as per needed) for 4 MONTHS prior to requesting the certificate.

This is a bank policy and NOT a new immigration rule.

I have no idea the reasoning behind this policy and at this stage it appears that it’s Bangkok Bank ONLY.
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TLDR : Answer Summary
Bangkok Bank has implemented a new policy requiring long-term visa holders to maintain the necessary funds (400k or 800k THB) in their bank accounts for a period of 4 months before they can request a bank account balance certificate needed for visa extensions. This policy is specific to Bangkok Bank and is not an official immigration rule. Many expats express concern over the implications of this policy, as it introduces additional hurdles for securing long-term visas.
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Jesper *******
Came back from bkk bank (BigC Onnut) the bank is obligated to issue u a letter or statements as long as it's your name in the acct.....the immigration have a set of rules for extensions BUT it does not cover bkk bank they are different establishments....bkk banks job is to show proof of acct and that's it...you can request for a copy of letter or statements everyday BUT does immigration accepts it is another thing
Torben ***************
Sku for meget efterhånden
Det *******
Banks should not be immigration enforcement.
Andy ************
@Det ******
They shouldn't, but they're probably aware that they're being used by visa agents in order to obtain dodgy visas. There's no benefit to any bank to hold 800,000 baht for less than a day
Det *******
@Andy ***********
We are the bank’s customers not the government.

A couple of days ago at Bangkok bank, with a friend, they were going through every page of his passport. Just to answer a simple question.
Andy ************
@Det ******
The bank has no interest in customers who keep very little in their account, and then once a year 800,000 is deposited and withdrawn in the space of a day. Hardly good business strategy is it?
Jeremy ******
So my question is and apologies if this has been asked in the multiple comments on this thread, What about the first extension when you have only been in the country less than three months and have seasoned the 800,000 for two months, will they just require the money to remain untouched for a further period of time and still provide the letter as per IO requirements?
Bobby **********
@Jeremy *****
correct. Untouched for an additional 4 months.
Jeremy ******
@Bobby *********
many thanks
Steve **********
If they do for one bank then for all banks
Julian *******
That’s why many of us just open a separate account and leave the required monies there
Robert ******************
Does this apply to the 2 months initial 400k bhat when applying for 1st extension on arriving with non o marriage from UK?
Gerald ********
I've just done my retirement visa today and went to Krungsri bank and got a year statement print out and letter for the immigration, nothing said to me about this subject
Bent *************
Another example that shows Thailand loves farang only for their money!
Jordee ******
It is not a bank policy, you can clearly read that it is an immigration decision.

But....That order comes from an internal bank policy, based on the requirements set by the Thai Immigration Bureau for the renewal of certain types of visas, especially retirement visas (O or O-A), which require maintaining a minimum bank balance (such as 800,000 THB) for a specific period.

To protect itself legally and ensure compliance with these rules, the bank imposes its own additional policy: not issuing the bank balance certificate until the required amount has been maintained in the account for 4 months. This is not directly established by immigration, but rather a measure by the bank to prevent the certificate from being used fraudulently or temporarily.

The bank applies this internal rule as a precautionary or control measure, but it is not supported by any law or official decree.
Bobby **********
@Jordee *****
this is absolutely a bank decision. Imm does not require 4 months.
Jay *******
@Jordee *****
it clearly says that it is not an immigration decision and is a bank decision. What letter are you reading?
Jesper *******
What about the 65k/mth acct bkk bank is not going to issue the letter? Absolutely nonsense I'm going down the bank to check tmr....if i do get a different answer.....it means someone's words can't be trusted anymore
Stuart *********
ORIGINAL POSTER
@Jesper ******
Doesn’t seem to be an issue for monthly transfers just banked money. It’s too new to know what specifics.
William ***********
It’s a bank. They make money on your deposits. They’re saying. If you want to do business with us then we welcome you. If you want to manipulate the bank and BI system then we don’t want your business. Let the smaller banks handle the shenanigans.

It’s the biggest bank in Thailand and they don’t want to be caught up in farang manipulation of the system. It’s business not a grudge.
Adam *********
Park
Peter **********
Is this your personal experience or did you find this in another group?
Ally ************
Surely the answer is to provide immigration with bank statements covering the 2 month seasoning period.. right up to the day prior to making your non-o application.. and tell them the bank is no longer issuing balance certificates.. you have proved your balance was consistently maintained at the requisite level and therefore have met the financial criteria.. if they reject your application and everyone's application because of this.. they will either have to change the rules to remove the need for a balance certificate.. or they will have to have words with Bangkok bank to resolve the issue.. at the end of the day you can't give them something that is impossible to provide.. and if you follow immigration's guidelines to the letter and the bank won't give you said letter then it's outside of your control.. the bank cannot change immigration law but it can refuse to supply said letter if you don't agree to their 'rules'.. so something has to give here.. switching to the income method alleviates the problem of course.. but you can't use this for an initial non-o.. and most people applying in country for their first non-o use the preliminary 90-days to get their funds in place.. meaning they are not even starting the process a full 4-months before applying.. but ultimately, if this is just a BB 'thing' to boost their deposits.. they are going to find a lot of customers switch banks fairly rapidly.. so they'll shoot themselves in the foot!
John **********
@Ally ***********
the income method has potentially other issues such as requiring tax filing etc
Jack ********
All branches?
David *******
this notice is from Chiang Mai. The Pattaya Beach Rd branch told a customer the same thing this week.
Gary ***********
@David ******
Thanks that clears things up and makes sense
Pete *******
@David ******
makes perfect sense.
Stuart *********
ORIGINAL POSTER
@David ******
Ah ok. That sort of makes a bit more sense but no idea why they’d do that for marriage, kid etc.
Michael ********
@Stuart ********
says depends on type or visa, perhaps this is for the retirement only and not marriage/family? I'll find out next week when I request mine
Colin *********
I think that an account at zero Would violate the visa
Grant *********
Time to go to Vietnam, marry a girl get citizenship. Full benefits
John *******
But the extension on an O Immigrant Visa is only 90 days to invest the monies in a Thai account, not 4 months 🤔
Stuart *********
ORIGINAL POSTER
@John ******
It’s not 90 days. It’s 2 months prior.
John *******
Jay *******
@Stuart ********
so which is it? Are they freezing your account for 4 months after issuing the bank statement or does the money have to be in the account 4 months prior to getting the bank statement?
Michael ********
Not happy with BB gave me so much hassle when I went for letter last time, one branch said no have to go to your branch so I did and then they said No because I had renewed bank book in different branch, so had to declare lost get new bank book and then new passport details had to be verified for the 3rd time. Time to change main bank account been with them since 1989.
Gerald ********
@Michael *******
I was told by Bangkok Bank that my card has to be renewed at no cost to me, so I went to my local branch in Bang Phli (Opened account in Hua Hin) to get the new card when I went to sign the document they said my signature was different from the one on the bank book, yes it was over 10 years ago. So they said I need to go to the original branch to do a new signature. I tried for about 10 minutes to do the old signature till I did one they were happy with.
Michael ********
@Gerald *******
They have been always awkward with signatures, i have had a few injuries to my right hand and signature always changing. I just show them the injuries now 555
Craig *********
I call BS. Signed by who? What bank? FB sucks sometimes
Bobby **********
@Craig ********
it literally happened to my friend in CR on Monday. This is absolutely what is happening now at BKK Bank.
Brandon ************
@Craig ********
not BS. Bangkok Bank. Multiple reports at multiple provinces.
Pete *******
@Craig ********
before calling BS why not understand what your calling BS on. It clearly states it refers to Bangkok Bank…
Michael *******
Left BB 5 years ago for SCB - never regretted it, they are unhelpful, dishonest - never looked back and SCB give me 2.5% on my 800k get statements for immig same day And their on line app is excellent
Robin *******
Me things to hey not want foreigners to have accounts with them
Pete *******
@Robin ******
please God tell me you are not an English teacher…..
Robin *******
@Pete ******
yes English teacher for Indians and imbeciles, I really @ucked that last comment up, and I can’t blame daytime drinking, because I don’t drink.
Abu ********
It's an unethical, illogical and exploiting policy only. Shame!
Pete *******
@Abu *******
nonsense, what precisely is unethical? What precisely is immoral? Where exactly is the exploitation?
Abu ********
@Pete ******
, your approach is not a good manners and I am not interested in explaining. Thank you.
Roger ********
Must be very new. Renewed my visa less than two weeks ago without any problem although the local immigration wanted to see a statement for 3 months before the date of renewal. Question is, will they do 4 months on the spot, or will the statement have to be ordered? That can take 10 days.
Stuart *********
ORIGINAL POSTER
@Roger *******
Yes only reported 2 days ago.
Roger ********
@Stuart ********
that last sentence on the notice seems to be aimed at agents.
Robert **************
Must be very new rule. I just got my extension last week. Only had funds in back for just under 3 months with Bangkok bank in Hua Hin
Bobby **********
@Robert *************
yes. Apparently it began last Friday.
Jim ***********
Just went Bangkok Bank pattaya ask for monthly 65k letter immigration needs. Gave me something totally different from last year. Showed woman paperwork from March said I need same for few months. Gave me something totally different.
Andy ************
The death knell is sounding for visa agents! 😂😂😂
Brett *****
Andy ************
@Brett ****
We'll see! I think other banks will soon follow!
Brandon ************
@Andy ***********
there will always be employees willing to take money to produce whatever paperwork is needed
Wylie *******
If they hold to this I'll be looking into opening an account at another bank. Not a fan of having that much money just sitting and not earning interest or gains.
Martyn ***********
It seems 'unfair' at best that a bank can effectively refuse your visa extension?? Surely it's not in their power?
Martyn ***********
Has this been confirmed at multiple branches Stuart?
Stuart *********
ORIGINAL POSTER
Stephen ********
I’m in the process of getting the non -o visa based on retirement. I sent the required amount to Bangkok bank from the U.K. in mid March. I am due to go to immigration on Friday for the 12 months extension but reading this post the funds won’t have been in the bank for 4 months. Am I reading this correctly and will there likely be an issue

Thanks
Dek ******
@Stephen *******
it's just on your first extension and there after as I read it
Stephen ********
@Dek *****
thanks for that👍
Bobby *********
Yes those agents really messed up and complicated a lot of things with what I’d consider outright fraud. At this point everyone should go with an online bank that has no international fees for their travels. I prefer SoFi.
เดแคลน ***********
@Bobby ********
can't use an international bank, it needs to be in a Thai Bank for yearly extension. The more simpler solution is just moving banks from BKK to KBank, Krungthai etc
Porky ******
This is just another typical bank scam from Bangkok Bank…

They want your money in their hand as soon as and for as long as possible for obvious reasons… %%%

They’re just doing their usual and being so greedy they scare off the customers who just go to other banks… 🤷🏻‍♂️

It’s not impossible like some make out

They “think” the ball is in their court 🤣🤣🤣

We don’t need an exit visa to leave Thailand and it’s a much better deal in Vietnam & Cambodia right now that’s for sure!
Keith *******
@Porky *****
It's not a scam. It's actually the first attempt by a bank to stop the agency scams, where they put in 800k to get the letter and then withdraw it the same day and charge the customer 20,000 baht. Now THAT is a scam
Jessica ********
But they don’t allow accounts for dtv holders
Craig *********
@Jessica *******
oh really? I must have a fake bank account or fake DTV or both.
Stuart *********
ORIGINAL POSTER
@Jessica *******
Nothing to do with DTV. This is for extensions for retirement, wife, child, etc.
Pete *******
I think you are reading it wrong. To me it reads that the bank will freeze (pledge) your funds of 400k/800k in your account and issue you the letter for immigration. After 4 months they will release the funds back to you. I don’t think it reads as prior but as frozen going forwards.
Ludwig ***********
Because you are not supposed to withdraw the
*******
k just after letter is issued, but the bank cannot prevent you from doing it, they ask you to keep the money 4 months before issuing the letter (equivalent to 2 before + 2 after)
Pete *******
@Ludwig **********
the bank letter states they issue the certificate of deposit on the day of the request.
Wylie *******
@Ludwig **********
but that is not an immigration requirement. For marriage extension funds are only required 2 months prior to application. There is no post application requirement. It could technically go to zero after application.
Stuart *********
ORIGINAL POSTER
@Pete ******
I thought that too but they use the phrase “and then we can issue the certificate “ which would indicate otherwise.

Also for the 400k extensions (wife, child, etc) there has never been a requirement to hold the funds after the extension is issued.
Pete *******
@Stuart ********
on the actual Bangkok Bank letter at the bottom it states that “I warrant that I am the owner of the deposit account and I have received the certificate of deposit on the date of the request”. Sounds to me they issue the certificate on the day of the request and the bank then freezes the funds going forward.
Pete *******
@Stuart ********
like you said not an Immigration requirement but a banking one. Better for the bank to have one common banking process to communicate and train than several processes dependent on visa type.
Daniel ************
awesome

/ then less fake transfers / for agents /
Wylie *******
@Daniel ***********
nothing fake about my extensions but I'm not a fan at all of the change. Just more time a good chunk of money has to sit earning zero interest or gains. I'll look into opening an account at another bank if they hold true to this.
Bernard *********
@Wylie ******
I get interest on my
*****
, with Bangkok bank. Although the full amount is always there.
Wylie *******
@Bernard ********
at what rate? I thought the best one can get was 1-2% at best, but haven't actually looked into it.
Daniel ************
@Wylie ******
why not use an fixed

interest account if

your immigration allows that

to be used
Wylie *******
@Daniel ***********
because it was only 2 months, and from what I've read on these forums what's available and accepted for fixed interest accounts will amount to a few beers at years end. I haven't really needed to look into it, but will likley look at options now.
Martyn ***********
@Daniel ***********
climb down of your high horse matey... If they can fake 2 months they can fake 4..555 and I'll remind you the banks are involved with it too.
Daniel ************
@Martyn **********
not the banks - some employees

there
Martyn ***********
@Daniel ***********
disagree the bosses in the branch must be in it too.. Too much money involved.
Daniel ************
@Martyn **********
they are employees as well - not the owner of a branch
John **********
Has it been reported at any branches other than the one out at chaengwattana
@Stuart ********
?
Bobby **********
@John *********
Chiang Rai
Brandon ************
@John *********
Chiang Rai also
Stuart *********
ORIGINAL POSTER
@John *********
A friend got caught out with this at Buri Ram so I’m assuming it’s nationwide.
John **********
@Stuart ********
Thanks. Rules out my theory that chaengwattana may just be getting fed up of folk that don't bank there asking for the letter rather than at their own branch
Jay *******
How the fk are you supposed to get a long term visa these days?
Michael ********
@Jay ******
have monthly income or money in your account.
Jay *******
@Michael *******
have money in Bangkok bank already and have my non o. But a non o is not for 4 months.
Gary ***********
@Jay ******
you have a 3 month non o? if so it seems they will issue letter before but your money will br frozen for 4 months
Jay *******
@Gary **********
I hope that's the case. Been planning this for years only to have all these changes at the last minute. I have no problem with them freezing the money for 4 months. I currently plan on parking the 800k for the entirety of my stay in Thailand.
Gary ***********
@Jay ******
i am in very similar situation, still 6 months out and 2 people to park the 800k for bur I can live with that
Jay *******
@Gary **********
I'm one week out so the constant changes and rumors are giving me indigestion, but we will see how it goes.
Gary ***********
@Jay ******
hope it goes well, if you get time could you report what you find please
Michael ********
That is the right way to do it, allways has been according to Immigration.
Stuart *********
ORIGINAL POSTER
@Michael *******
No it isn’t. Immigration needs the funds 2 months prior. There is no requirement to have the funds 4 months prior. This is a bank policy not an immigration one.
Jamie ******
@Stuart ********
it’s a Branch policy Not a bank policy ..Tod Daniel’s has already covered this
Brandon ************
@Jamie *****
it's a bank policy. Confirmed in many branches in multiple provinces already
Stuart *********
ORIGINAL POSTER
@Jamie *****
I haven’t seen Tods post in the other group, but it was he that gave me the heads up. I believe that it was first seen at Chaengwattana but a friend of mine was caught out in Buri Ram so it appears to be bank wide rather than a specific branch.
Jamie ******
@Stuart ********
as always,,, check your branch
Michael ********
@Stuart ********
but I don't think you can take the whole 800,000 out after your extensions?
Wylie *******
@Michael *******
for marriage extensions its only 400k for 2 months prior. After approval it can go to zero the next day if one wanted, although its safest to keep it in until one gets the full stamp (not the initial 30 day under consideration stamp.)
Michael ********
@Wylie ******
I use monthly payments anyway nothing in the bank 🤣
Stuart *********
ORIGINAL POSTER
@Michael *******
For retirement you need to keep it for 3 months after.
Brenda *********
@Stuart ********
so Stuart, then you can switch it to the monthly 65k baht ?
Michael ********
@Stuart ********
2 months before and 3 months after 👍
Michael ********
@Stuart ********
ok my mistake
Pete *******
That will put a spanner in the works of the agents. No more helping with the financials.
Dek ******
@Pete ******
as it says its only bangkok bank at the moment
Jay ******
@Pete ******
agents will still do it for 4 months, but at a higher fee
Stuart *********
ORIGINAL POSTER
@Jay *****
No chance. They’re not going to invest close to a million baht in your account for 4 months.
Jay ******
@Stuart ********
I don’t need it in my account, but whoever does surely can get it at a higher price. I know agents and lawyers here that will front 800k in an account for various purposes and more than 2 months if needed.
Pete *******
@Jay *****
not a chance, too much money involved for agent.
Jay ******
@Pete ******
whoever does need it surely can get it at a higher price. I know agents and lawyers here that will front 800k in an account for various purposes and more than 2 months if needed.
Pete *******
@Jay *****
you’re delusional, no agent will tie up and risk 100’s of millions of baht to front up the financials.
Stuart *********
ORIGINAL POSTER
@Pete ******
This is the only reason I can think of as to why they’re doing this.
Porky ******
Daniel ******
Not my problem i have 10 years LTR Visa!
Gustavo *********
@Daniel *****
stupid comment 🤡
Leeann **********
@Daniel *****
do you need attention that badly that you choose to comment on something that doesn't affect you whatsoever, and tell people it doesn't? Smh
Marcel *******
@Daniel *****
Do you think anyone cares if it doesn't affect you?
Abu ********
@Marcel ******
, perfectly said. Thank you
Keith *******
@Daniel *****
Not my problem either. I use the 65k transfer method
Glenn *****
@Keith ******
same for me but some idiot at the bank will get it wrong
Peter *********
Ridiculous now more hurdles
Abu ********
@Peter ********
, indeed! Thank you.
Stuart *********
ORIGINAL POSTER
Stuart *********
ORIGINAL POSTER
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