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Answered5 months ago

Which banks allow account opening with a 90-day Non-O retirement visa for transferring 800,000 THB?

David **************
asked May 28, 2026
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Which banks can I open an account with a 90 day Non O retirement visa so I can transfer the 800,000 THB in order to qualify for the 1 year non O retirement visa?
Answer summary
When trying to open a bank account with a 90-day Non-O retirement visa in Thailand for transferring 800,000 THB, many expats recommend avoiding Bangkok Bank due to recent issues and stricter requirements. Instead, banks such as Kasikorn (K-Bank) and Siam Commercial Bank (SCB) are often suggested as more accommodating. It's advised to prepare for multiple visits, check documents required, and potentially consider banks that do not demand a residency certificate from Immigration. Some common documents needed include your passport, visa copy, a TM30, and a Thai mobile number. Each bank branch may have varying requirements, so it's essential to inquire directly at different locations.
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Phil ******
Phil ******
All residential banks here but steer clear of Bangkok bank.

Also some are preferred by Wise as well David Vankerkhoven
Greg ***********
Greg ***********
Thai bank account opening MINIMUM pre-requisites:

*** have a longterm visa, like a 90-days Non-Imm-visa type, an LTR or Non-O/A

*** be properly registered per TM30 Online System at your accommodation

*** visit Immigration and get the “certificate of residence”. Immigration in this document will ask the bank explicitly to open a bank account for the applicant

*** have a Thai mobile number and the SIM-card registered to your name and passport number

*** your passport as a valid document of identification

(some banks have started to ask you for another piece of identification, like your home country driver’s license)

*** a work permit (only if applicable – it is NOT a mandatory requirement!)

Here a list of NOT commonly NECESSARY pre-requisites, but which CAN get asked from (incompetent!!) bank staff:

*** a rental contract - actually irrelevant- but it is okay if you got one, or if you got a blue housebook indicating ownership of a condo.

*** a third piece of identification (check above)

*** a mandatory life-insurance or accident insurance the bank offers you for yearly 5000 Baht (they love to earn a sidekick)

*** your foreign Tax-number or Social Security number (which would be okay so far, why not)

Try several branches of different banks, you might find one that opens an account for you under the minimal requirements. Sometimes it takes a day or two of running around until you find a bank willing to help you.

I don’t recommend Bangkok Bank. Better get a Kasikorn or Siam Commercial Bank Plc. Account. Other good banks are Khrungthai and Khrungsri

In case you consistently meet bank staff who resist and pull out of their noses random requirements, use the service of an agent. In Pattaya for example, you can get your Thai bank account opened for 5000 THB.
Jim ***********
Jim ***********
K bank. Impossible Bkk bank
Dora *******
Dora *******
K green bank at market village. No problems, helpful staff
Luigi *********
Luigi *********
Have opened an account 3 months ago for your same purpose in Kasikorn in Phuket. They asked me for TM30 or residential agreement lease contract, mobile number (also not registered) Visa copy and passport in original to show. One hour and was done. Also have an account on Bangkok Bank but I'm very disappointed, want to close it ASAP.
Ismael ***************
Ismael ***************
I've had good luck with both SCB and Bangkok Bank Central Chaengwattana branches.
James **********
James **********
i would open a few different accounts. its always handy
Rudi ***********
Rudi ***********
Dag David, ik heb de dag nadat ik in Thailand aankwam een bankrekening geopend bij kasikornbank zonder problemen. Zorg dat je het bewijs van verblijf hebt , en een Thais telefoonnummer geregistreerd op uw naam, en uiteraard uw visum. Veel succes.
Malcolm *******
Malcolm *******
Try UOB .
Wannikea *********
Wannikea *********
You already have the non-O retirement visa. What you need the bank account for is the one year extension. I use and like SCB.

In preparation you can make sure a TM30 has been filed where you live and then go and request a certificate of residence from immigration which may or may not be asked for by the bank, it certainly can't hurt. Register a SIM card to your passport and get a receipt from the internet provider and take that along to the bank to activate mobile banking app.
Jay *******
Jay *******
You can probably open a bank account at any of them with a 90 day O. But they will possibly all have different other requirements. Pick a bank that is convenient to you, then go in and ask what they require at that bank.
Steven ***************
Steven ***************
Kasikorn is usually pretty good. Got My accounts in about an hour after SCB said no.
Alistair *******
Alistair *******
Avoid Bangkok Bank. They are a nightmare to deal with and do not want business from farangs. I recommend Kasikorn, K-Bank.
Miyamoto *********
Miyamoto *********
Alistair Grant Stop giving bullshit info. Been with Bangkok Bank for 10 years without one problem.
Alistair *******
Alistair *******
Miyamoto Musashi O-genki desu ka?

I have had major problems with Bangkok Bank. Many of the ex-pats I know here in Ubon have also had problems with them and have now closed and moved their accounts.

My Thai wife's Aunt was a former senior manager at Bangkok Bank. She told me Bangkok Bank does not want business from farangs so they make it as difficult as possible to open a new account with them.

They have also recently increased the length of time funds must be seasoned with them before they will issue you with a confirmation letter for Immigration for Extended Stays. They increased it from 2 months to 4 months.

My recommendation remains the same. Avoid Bangkok Bank.

Great that you have had a good experience, but many farangs have not.
James **********
James **********
Alistair Grant not true at all, i and many i know have had bkk bank accounts for ages, not had a single issue. if you're referring to them freezing money for visas, well that shouldn't be an issue if your account is genuine and used daily. they only freeze the 400k, not the entire account balance.
Sebastian ********
Sebastian ********
Alistair Grant absolutely nothing wrong with Bangkok Bank if everything is correct! Banked with them for nearly 11 years with no problems whatsoever.
Colin **********
Colin **********
Sebastian Barrow A new account is more difficult in Bangkok Bank, just for one simple reason, if you need a bank balance certificate for your extension they require the funds to be there for 4 months before, if not they freeze it for a further 4 months after. So it could be frozen for 7 months or so, not appealing when KBank or the other banks don't do it.
Sebastian ********
Sebastian ********
Colin Chaffers in the 10 years of getting extensions on the basis of 800k, never had this problem. But I do have an account solely for Immigration purposes and another account for our daily expenses. The Immigration account is not really touched from one year to the next. So easy and pain free if all is done correctly.
Terry ********
Terry ********
Sebastian Barrow I agree. Have banked with BKK Bank for the last 25 years and never had a single problem.
Colin **********
Colin **********
Bangkok Bank has had some difficulties in recent times. They implemented stricter KYC (Know Your Customer) requirements and were subjected to a large scamming loss that involved some of its own staff. As a result of these two events, the bank stopped allowing tourists and short-stayers to open new bank accounts, use mobile banking, or apply for credit cards.

The 2.2 billion baht scam involved corrupt bank employees who helped Chinese nationals open fraudulent "mule accounts" for call-center fraud operations. Over this period, many accounts were frozen and sometimes closed. In addition, to get a banking certificate for a visa extension, you now have to maintain a balance for 4 months (not 2 months like Immigration requires). If you have less than 2 months, you must freeze the funds for 4 months at the point of issuing the bank certificate.

As a result, they lost a lot of goodwill and customers switched to KBank or another bank.
Gerar ********
Gerar ********
You shouldn’t have any issue with any bank in case you have a Non-O visa.
Graham ******
Graham ******
Gerar Teuben unfortunately it is not that simple so the expectation should ber that some legwork will be required
Gerar ********
Gerar ********
Off-course you will have other requirements but the most important is that you have a Non-O visa or better.

If you have that, the other requirements are easy to get.
Graham ******
Graham ******
Gerar Teuben agreed but not all branches want to give foreigners a bank account regardless of the documentation they have
Tom *********
Tom *********
I recommend you think of this as a 3 visit process.

No 1

Visit your chosen bank and ask them to open an account… this is to discover what documents you have versus what they want.

No 2

Go to immigration to get the missing documents.

No 3

Back to the bank to open.
Rich *********
Rich *********
Tom Woodyer Or skip steps 2 and 3, and use a bank that does not require a residency certificate from Immigration. Get a Thai phone number, dress neatly, ask them what the bank needs to open an account, and if they need a residency certificate from Immigration, thank them and move on to the next bank. Different bank branches have their own internal document lists. Then you can do this in just one step: visit the bank with all your documents (passport, TM30, home-country ID, hotel/apartment booking, visa copy, TDAC, etc.) and open an account. And start enjoying your new home in Thailand! 😎
Mat *********
Mat *********
Rich Roesing in the near future all banks will ask for it, even for existing accounts. Why risking that your account will be frozen.
Graham ******
Graham ******
Rich Roesing Why is a Residency Certificate such a deterent for you, it is not difficult to get one and you are restricting your search of suitable branches?
Tom *********
Tom *********
Correct, took me about 20 mins in immigration. You’ll also need one for driving license if you require it.
George ***********
George ***********
K (green one) at central.
George ***********
George ***********
This person helps me with all until the visa extensions..exist another best bank, no so difficulty.
David **************
David **************
OP
George Florsheim What documents do I need?
George ***********
George ***********
You need a tele acc for a year at front….(at central ‘True’)

TM.30

Residence certificate from immigration

Rental contract

Passport

Visa Non-o or Non-immigrant

Thai telephone number

Or contact Pearl WhatsApp +66 81-
*****
43
Frank-Tore ********
Frank-Tore ********
David Vankerkhoven
Henri **********
Henri **********
Every country not have home address in driving licence or local ID cards.
Rory *******
Rory *******
James Hurn yes, a photo driving license with home country address on it, that’s what I additionally used
James ******
James ******
@Brandon ***********
driving license is ok
Brandon ************
Brandon ************
@David *************
why? If you have a non-O visa you can do it yourself. Just requires some footwork
David **************
David **************
OP
@Brandon ***********
Should I use a visa agent?
Brandon ************
Brandon ************
@George **********
Kasikorn bank now requires an additional photo ID from your home country that has an address on it
Brandon ************
Brandon ************
Whatever bank will let you. It's a matter of going to different banks, and different branches even of the same bank, until you find one that will let you open an account.
David **************
David **************
OP
@Brandon ***********
Just shopping around
Brandon ************
Brandon ************
@David *************
exactly. You have to go out and try to find out which one will let you. Any answer you receive here is useless because the bank manager of each bank branch determines who they will open accounts for and what will be required to do so. So every single bank branch is different.

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