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Which banks in Thailand allow account opening without a visa?

May 7, 2025
2 days ago
Ryan *******
ORIGINAL POSTER
What banks let me open a Thai account without a visa ? Any help thanks šŸ™
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TLDR : Answer Summary
The consensus among community members is that opening a Thai bank account without a visa is extremely difficult, especially after recent regulatory changes. Some respondents mentioned that certain banks may have allowed this in the past, but due to tightened AML/KYC procedures, banks now require a long-term visa or specific documentation. A few users mentioned successful experiences using agents or providing additional documentation, but these cases appear to be exceptions rather than the norm. Overall, many suggested seeking help from agents for account opening, though this can involve higher fees.
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Kevin *******
People so stupid….. go to a bank in person and ask them . Are you that stupid or lazy
Jordee ******
None. No way
Dragan **********
None do
Timur ************
In TrueMoney you can have virtual Mastercard. Need only passport and Thai phone number
Ryan *******
ORIGINAL POSTER
@Timur ***********
good man I’ll try that aswell now
O'nthe *****
People were saying it was impossible 15 years ago when I opened an account with Kasikorn, near Tuc com.

I took my passport, Thai phone number, my address which was the hotel I was staying at.

I was in 3 months ago to deposit funds and mentioned my card was due to expire when I would be out of Thailand and coi have a replacement.

Normally the card would expire in 3 years, however I was delighted to see the new card expiry date was 2034

Oh, and I have only visited Thailand on holiday, maximum 1 month
Phil *******
Get at least a tourist visa first. Even then it may not be easy. It varies from bank to bank and even varies between branches of the same bank. Many more people use agents but that will cost you more money.
Greta *****
Marriage bank(rufcy)
Ryan *******
ORIGINAL POSTER
For all the people that said it can’t be done WELL IT CAN AND I DID so fuck you 🤣 thanks for ur useless advice
Josh ********
@Ryan ******
that’s why they call it advice. Not all of it is equal.
Ryan *******
ORIGINAL POSTER
@Josh *******
true that
Dan *******
@Ryan ******
can you PM me how it went? I’m trying to do the same.
Patrick ********
My agent tells me very difficult
Arnold **********
All of them
Brunt *******
Everything is about money šŸ‘
Robert *********
Thanks for asking this again it’s been 2 days now
ElĆ­as ********
Klering ******
0
Frankie *******
At walking st where u make a deposit n the thai woman will suck u dry n sent u home broke
Kieren **********
I opened one with bankok bank on a 30 day visa was easy got my eftpost card while I was there
Pete *******
The Bank of Thailand, the Thai regulator has issued an instruction to all Thai banks to tighten up their AML/KYC procedures due to the mule account clamp down. Anyone without a long term visa can now not open a bank account. Will there be a specific branch where it’s possible, sure, but as of now it is all but impossible.
David *******
I found Bkk bank easy.
Phil *********
Go see an agent
Adrian *******
Years back, I opened one with Kasikorn. All they needed was a Thai address.. i used a friends address. Think may have changed now.
Ronald *************
Also ich kann dazu sagen das mir keine Bank in Thailand ein Konto eröffnen wollte ( ohne Visum ) auch mit einer festen Adresse( yello Book ) und thailändischen Ausweis für Ausländer.. mit der Begründung es fehlt die Bindung zum Land ( Heirat Kind Visum ). Ich wollte das Rentner Visum beantragen ( in Laos ) aber da wollen sie ja ein Konto in Thailand mit einer gewissen Summe. Also beißt sich der Hund im Schwanz! Und ich war auf mehreren Banken auch Bangkok Bang und hatte sogar ein schreiben der Immigrations Behörde!!!
Alan *********
It depends from the bank. But yes someone did it successfully
Martin *****
Disneyland
Noel ********
Different appetite now
Tony *********
Krungsri
Pertti *************
If you don't live and work or doing business here just use your foreign credit cardšŸ™
Henrik *****
Search before asking a question, this is answered multiple times every single day.
Claus *********
OMG 😨.. Please don’t ask Facebook groups this .. plenty of good free tools like Google, chatgpt etc. The short answer: Yes you can.. But also very different experience from Bank to Bank. Suggest to Bangkok Bank and go to your embassy for the documents they require .. dress nicely, ask them to call the an english speaking customer service .. often bad english is reason for objection dress nicely and keep ur cool !
Grandpappa **********
I went to a bank in Bangkok and said I had a million euros in money, where can I put it? Surprisingly, the account was opened quickly. I only had 500 euros in money.
Dean *******
Not what you know it's who you know.
Tim *******
I got one with Krungsri no problem, had no visa we are still living in UK, used the wife's mums home address in Thailand... hardest part was getting my Signature the same they made my do my Signature about 10 times before the excepted it
Rohmin *******
@Tim ******
are you saying you did it online?
Tim *******
@Rohmin ******
no I went into the bank.
Kate *******
Illegal 😬
Tommy ********
You’re a tourist. You’re not entitled to a bank account.

Could you do this in other countries? Thailand isn’t a free for all
Ryan *******
ORIGINAL POSTER
@Tommy *******
yes it is
Max **********
@Tommy *******
your talking rubbish Tommy .. ofcourse you can open a bank account in thailand without visa. Some banks will, some banks won't. Just try a few and one will.open. I opened one 3 weeks ago in Nonthaburi
Kristian ********
@Tommy *******
yes it is.
แหคด *******
They changed the rules and now it's very difficult to do. Use agents 20-25k.
Josh ********
Not strictly relevant, but I was able to do it in Bali within three weeks on a tourist visa—not to mention live there 5 years.
Ryan *******
ORIGINAL POSTER
@Josh *******
exactly you can do almost anything here people are so full of themselves and so far up their own ass they can’t see sunlight for shit
Add **********
Thai privilege account? Open with 10k
Sornsawan **********************
Nope
Ryan *******
ORIGINAL POSTER
David ********
Bangkok I got mine in 2 hours with agency 5000 baht
Ya *****
@David *******
what agency did you use mate?
David ********
@Ya ****
mot services.
Ya *****
******************************
Ya *****
@David *******
cool thanks
Ryan *******
ORIGINAL POSTER
@David *******
thanks mate a lot of people have recommended places at least some people on here have some common sense the others god help them all 🤣🤣🤣
David ********
@Ryan ******
mot services.
Peter **********
@Ryan ******
Who taught you to become so rude?
Jordan *******
@Peter *********
he’s British and has a big mouth on him

He’s got a right broken nose, safe to say that mouth of his got him that
Fred *********
I got one 10 weeks ago. Used an agent. Cost 5000 baht.

Apparently it's harder now, and costs more. Need to look at agents though.
Ryan *******
ORIGINAL POSTER
@Fred ********
your the second to say this to me so must still be do able
Brandon ************
@Ryan ******
it is still doable with an agent. But 10 weeks ago is a long time. The prices have increased dramatically. It's now 12-15k for a bank account.
Krissy ********
@Brandon ***********
paying 12-15k to open a bank account is scammer territory
Brandon ************
@Krissy *******
I agree that it's an outrageous price. But some people are willing to pay it. Given the current environment around banking in Thailand, either get a long-term visa or pay that high fee.
Fred *********
@Krissy *******
It's just a decent night out
Ryan *******
ORIGINAL POSTER
@Brandon ***********
pocket change that
Ryan *******
ORIGINAL POSTER
@Fred ********
can you pm the agents name thanks
Phil ******
@Ryan ******
rules changed march. I have 4 to try in Pattaya to try
Fred *********
@Ryan ******
Your going to have to go in person though. There in Pattaya
Ryan *******
ORIGINAL POSTER
@Fred ********
yes pm me mate I’m in Pattaya now
Fred *********
@Ryan ******
One stop services. At the bottom of soi 6 near beach road. Left hand side.
Carlos *********
Maybe a piggy bank? šŸ–
Red *************
Get an agent
Brett *****
Ffs a real question??????
Ryan *******
ORIGINAL POSTER
@Brett ****
be quiet
Brett *****
@Ryan ******
maybe take own advice
Ryan *******
ORIGINAL POSTER
Khun ******
none
David ********
@Khun *****
well I have one
Steven **********
Bangkok bank
Phil ******
Paul ********
@Steven *********
Bangkok bank did that in January or was it February for my friend. Passport, house book, Thai phone number and deposit 5000 bath. Had 6O days tourist visa. Managed that in one hour
Phil ******
@Paul *******
march the rules changed
Peter **********
@Paul *******
Irrelevant to the O.P.’s question then. Did you see the ā€œwithout a visaā€ mention?
Steven **********
@Paul *******
yes correct
Brett *****
@Steven *********
no they don't
Terry ********
@Brett ****
such blanket statements. ā€œ No they don’t, yes they doā€. The truth is some banks do, some don’t. Some branches do, some branches don’t. Nothing in Thailand is cut and dry. Each branch of each bank has their own requirements.
Steven **********
@Brett ****
yes they do
Kevin ******
I think it got more difficult from February. Possible but harder.
Andrew **************
Try to obtain a Residence Cert from Immigration and show this to the Bank. They may accept this and allow you to open an Acct. Maybe worth asking the Bank first, before you go to the trouble of obtaining the Residence Cert.
Woody *********
@Andrew *************
I tried this with K and bkk banks and was not successful. February 2025
柳**
@Andrew *************
, different bank as requested different things
Tom *******
NONE
Gunner **********
Tom *******
@Gunner *********
tell me which bank and where

I have been refused at many banks in Issan
Ryan *******
ORIGINAL POSTER
This isn’t true tho as I have heard of a few people getting one without a visa , I will have my DTV in the next
***
weeks after I’ve finished travelling and will go Cambodia for the process
James ******
@Ryan ******
im currently in Thailand and have been to plenty of banks they are not interested at the moment for foreign accounts unless you have correct paper work
Brandon ************
@Ryan ******
it used to be easy. Now it's impossible
Ryan *******
ORIGINAL POSTER
@Brandon ***********
surely it’s not impossible tho ? Is there any banks do it at their own discretion is there a law that stops foreigners owning or opening a bank account without a visa
Brandon ************
@Ryan ******
no, but I haven't seen anyone report success without a visa in months. The government has now made banks responsible for all fraud. Therefore they've stopped taking any risks at all. No long term visa, no bank account.
Giles ************
But if I’ve understood correctly, in order to get a retirement visa, you have to have deposited a certain amount in a Thai bank account. Have I missed something?
Michael ***********
@Giles ***********
You have things in reverse order. You get an initial Non-O Visa let's say, for 3 months. You take your Visa to bank to show evidence for a long stay. THEN you can open up a bank account for purposes for the Visa(then will get 12 more months on Visa. Then renew once a year.
Giles ************
@Michael **********
ah, thank you! Now I understand.
Michael ***********
@Giles ***********
My pleasure
Brandon ************
@Giles ***********
you get visas from embassies. No Thai bank account required.
Brandon ***********
@Brandon ***********
you know this is a damn lie. What type of moderator are you šŸ¤”
Brandon ************
@Brandon **********
what is a lie? You use the e-visa system to apply for a visa. That's how it's supposed to be done. No Thai bank account required. Then when you get to Thailand you use the visa to open the bank account and deposit the money you'll need for the 1-year extension.
Steve ******
@Brandon ***********
Where do we put the 800k?
Brandon ************
@Steve *****
in your bank account at home. You apply for the 90-day non-O visa from the embassy using ANY bank account. Then you go to Thailand, use the visa to open a bank account and transfer the money there, and that enables you to apply for the 1-year extension. That's the proper way to do it.
Giles ************
@Steve *****
yes, that’s the one!
ąøˆąø­ąø™ ********
None
Claus *********
@ąøˆąø­ąø™ *******
so wrong .šŸ˜‘
Neil ********
If you are not planning on staying then they don’t want you
Jordan *******
@Neil *******
that’s funny because 5 year DTV holders can’t even get one
Kevin *********
Zero
Gunner **********
Michael *******
None! Very difficult now!
Paul ********
@Michael ******
my friend opened one account now in January 2025 at Bangkok Bank. She show her house book, passport and her Thai phone number and deposit 5000 bath, and for thet she get one year insurance also, and she only have 60 days tourist visa. They managed that in 1 hour
Noel ********
@Paul *******
I find that hard to believe … How long ago was that?
Jay **********
@Paul *******
that was in January, BEFORE the rule change ;)
Daniel ********
Brother it can be a nightmare to open a Thai bank account even WITH a visa. Don’t bother.
Sel *****
@Daniel *******
I have the elite visa 20 years and they tried to scam me with the ā€œmandatory 1 year insuranceā€ at Kasikorn. Went to Krungsri and got the account for free.
Daniel ********
@Sel ****
as it should be. You had a valid visašŸ‘šŸ»This dimwit has none.
Sel *****
@Daniel *******
Yeah what I meant to say even with a proper visa they try to scam. She insisted the insurance is mandatory. And it’s not true.
Ryan *******
ORIGINAL POSTER
@Daniel *******
what stupid advice
Daniel ********
@Ryan ******
stupid questions get stupid responses.
Ryan *******
ORIGINAL POSTER
@Daniel *******
the only stupid one here is you , CLOWN
Daniel ********
@Ryan ******
you claim it’s ā€œeasyā€ yet are struggling to do it yourself. That’s maximum stupidity, old man.
Gunner **********
@Daniel *******
nah. It's easy.
Todd *******
@Gunner *********
might have been early 2023. It really was a none event so can’t recall exactly.
Daniel ********
@Todd ******
you wouldn’t be able to do that today. New, strict requirements as of February 2025.
Todd *******
@Gunner *********
November 2022
Todd *******
@Gunner *********
go into the bank and ask to open an account. That is all I needed to do. No visa at the time. I think it will depend on the bank.
Daniel ********
@Todd ******
and when exactly did you open your account ?
Daniel ********
Ryan *******
ORIGINAL POSTER
@Gunner *********
yes it is people just are unaware
Jordan *******
@Ryan ******
people are unaware?

2 hours ago you were just asking WhAt bAnKs LeT me OpEn A ThAi AcCount

Explain how you get one then?
Ryan *******
ORIGINAL POSTER
@Jordan ******
I’ll know when I meet the agent or friend of the person who works in the bank believe me when I get a Thai bank which I will I’ll be the first to come message all you bell ends and show them proof of it
Harry ********
Uob but you have to put
*****
and leave for three months
Henrik *****
That is more than 225 ATM fees, just use the ATM.
柳**
@Harry *******
,I just open UOB three months ago, they requested a statement with prove of monthly interest from another bank,
Chatchanan **************
No kaaa
Joseph *********
Chris ******
Bank of Dreams
Nick *******
Never-Ever Bank and Trust.
Brandon ************
None
Ji *************
@Brandon ***********
I opened 2 bank accounts at the Kasikorn bank on a 60 day tourist visa back in February this year. One to store my 400k and the other for daily use. I had been back in the country less than a week when I opened it.

It all depends on what information you hold. Im married to a Thai and are listed on her family house paper.

We have documents such as wedding certificates and house docs that date back 20+years.

I’m guessing that without these documents I wouldn’t have been able to open the account.
Paul ********
@Brandon ***********
Bangkok bank did that for my friend in January/February who had 60 days tourist visa. One hour and account was in her name
Henrik *****
Things changed to the worse since january.

Banks in Thailand are like everywhere in the world, interested in having good stable custormers, that have a permanent address, a steady easy traceable income, and use the account all year round.

That is why the banks are reluctant to give accounts to people on short time ( read: tourist ) visas, and who only spend part of the year in Thailand.

Don’t expect to get a residence certificat, until you have stayed at a permanent adress in at least 3 month, since that is what the residence certificat should confirm.

Furthermore the added attention on whitewashing of money, is an added burden on the banks, so reluctant depositing large amounts isn’t a guaranteed way to open an account.

The value of a resident certificat, had gone down, since Immigration Officers are giving them to people that are not on a longterm visa, or have stayed severel months at 1 adress in Thailand, so even if it is a formal requirement, the bank make up their own assesment of the stability of the want-to-be customer.
Tony *********
@Paul *******
I tried in March and could not get one
Denny *******
@Paul *******
same for me m8
Ryan *******
ORIGINAL POSTER
@Paul *******
yes seems to be if you pay you get the same people on saying you can’t and its impossible are probably quadruple vaccinated and I’ll say no more
Phil ******
@Ryan ******
time to try agents in Pattaya mate. Some advertise they can still do. O can suggest some if you require
Denny *******
@Brandon ***********
I got one no problem
Frank **********
@Denny ******
yes it is a problem for many people.
Brandon ************
@Denny ******
when? 3 years ago? 1 year ago? 2 months ago? Unless you got it last week, your experience is no longer relevant.
Brad *******
@Brandon ***********
Brandon Thurkettle this isn’t true. I got one in 2006! ļæ¼šŸ˜‚ joking
Denny *******
Phil ******
@Denny ******
rules changed this year in March. You can't without an agent now
Brandon ************
@Denny ******
exactly. Your experience is not relevant to the current situation in Thailand. Things have changed drastically in just the last month.
Ryan *******
ORIGINAL POSTER
@Denny ******
pm me mate
Denny *******
@Ryan ******
in what way ?
Henrik *****
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9-thailand-to-implement-stringent-compliance-regulations-for-new-bank-accounts?

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77-foreigners-face-new-hurdles-in-opening-thai-bank-accounts/

Be aware there is a error in the start of the article ( and several other copy - paste media with the same article )

A Thai Bankaccount has never been a requirement to get DTV, on the contrary it has been one of the big advantage over other visa, that you could get DTV as long as you could show 500.000 Baht equivalent in any bank anywhere in the world.

It has never been the intention that DTV visaholders should be in need of a Thai bankaccount.

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