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Answered2 months ago

Which banks in Thailand welcome Non-O retirement visa holders to open bank accounts?

Eddie ****
asked Aug 24, 2026
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A very old question, which bank is welcoming for Non-O retirement visa to open an account for the 800K baht? And how long the time needed to wire fund from CIBC Canada to the account? Thank you in advance.
Answer summary
The conversation discusses which banks in Thailand are suitable for individuals holding a Non-O retirement visa to open a bank account with 800,000 baht. Users suggest that Kasikorn Bank and SCB are generally favorable, while advising against Bangkok Bank due to inconsistent policies for foreigners. It is noted that some branches may require a yellow book or residency certificate, especially in rural areas, while others may be more flexible. Users also share tips on transferring funds from Canada, with recommendations for using Wise for better exchange rates.
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Tulip ********
Tulip ********
None. It's the degree to which they hassle you that differs
Dennis ***********
Dennis ***********
I have used KASIKORN BANK close to 20 years- using SWIFT to transfer between Canada- TD BANK - BANK - never an issue
Andy *********
Andy *********
Bangkok Bank is the best if you have everything serious what you need and if you dont use a agent
Cool_Ba********
Cool_Ba********
SCB is good. Go to the branch and ask them what they will require to open you an account. Get everything ready.
Andy ********
Andy ********
Get a Residency Certificate from Immigration and produce it in lieu of a Yellow Book. At same time ask Immigration for preferred banks as my local office even gives out a listing. Avoid Bangkok Bank for many reasons.
Daktari ******
Daktari ******
Suggest start with bank branches close to your regional immigration office, they will have more experience. You'll need statements etc on the day of applying for extension, so local to the office helps!

Small local village and town branches generally don't want the hassle.

Good luck with yellow house book, you'll generally need to have been living in Thailand at least 6 month, very, very dependent on the local ampur office.
David ****************
David ****************
Daktari Wolf lived here for 20 years and never needed a yellow book (or pink I.d. card)
Daktari ******
Daktari ******
David John Philpott good for you.... I couldn't open a new bank account without it and pink id. Also much easier dealing with vehicles. As with much in Thailand..... It depends where you are. In my case, very helpful
David *******************
David *******************
I have found Kasikorn Bank very good, the only bank to avoid is the Bangkok bank.
Michael **********
Michael **********
@David ******************
BAAC also. You have to have a yellow book with them now also.
Yo***
Yo***
getting Tm30, resident certificate, driving license etc.. costs money and time. If i were you, I just go to any of banks near you. And ask what they want or if they can open an account for foreigner etc.. just bring your passport and lease agreement ( if available) without anything else. according to banks reactions, you can know what you need. Again, some banks or branches do not want foreigners. Just dont want foreigners.. So this bank or branch will just pass to another one. Some banks or branches only need your passport and visa in it. some needs resident certificate and driving license, Thai phone number ownership certificate etc.. If you have good luck, you just can find a bank that just opens your bank account with your passport only. Good luck to you.
Peter *****
Peter *****
I am on a Non O visa and need to open a bank account. I am in Isaan and have a residence certificate from immigration and a new phone contract.

I went to two banks yesterday. The first, SCB, said that they could not open an account until I have the extension of the visa. Pointing out that I couldn't get the extension without the bank account, they would not budge. The second, Kasikorn, would not recognise the residence certificate and said I needed a yellow book.

Today we are off to register our UK marriage at the amphur and hopefully get the yellow book after.

We are in a small provincial town in Udon Thani and I am not sure whether it is the bank staff that are not fully conversant with the immigration process or if there is a tightening of the bank rules. The staff at SCB said they are tightening the rules for opening an account because of the abuse by foreigners in using accounts. This leads me to think they are confusing tourist visas with Non O visas. I cannot believe there are many that are using Non O visas just to get a bank account and not going through with the extension process.

If getting the yellow book proves difficult, we will have to go to one of the big cities and try banks that may be more used to dealing with foreigners.
Malcolm **********
Malcolm **********
The problem with a bank 'needing' a yellow house book often happens in rural areas more so than in a city. From what I've been told a housebook is needed by a Thai to open a bank account and the yellow housebook is a version that a foreigner can have so they assume you need the same as a Thai. If you live near to the Immigration office then try a bank near to that office as they are more likely to process expat accounts more often that other banks. In my experience Kasikorn is more expat freindly and you don't have to order a 12 month statement when you have to renew your extension as every branch can print them on the spot.
Peter *****
Peter *****
Malcolm Whitlock my saga continues with hierarchy of state institutions. The amphur considers the police above immigration on immigration matters. They are not interested in the certificate of residence, they want a form signed off by the head of police. Getting there slowly but back to see the head of police with the head of the village (just happens to be on of the family) to get the form completed and signed. Then drop it off at the amphur, where they will add it to the rest of the documents and get it signed off before issuing the yellow book.

We are midway between Udon Thani and Sakon Nakhon but if we were closer to either, I think I would have just tried another bank.

Having lived and worked in Thailand over 25 years ago, I understand the time to get things done and the extended number of steps you have to take.
Malcolm **********
Malcolm **********
Peter Cox Sounds like I was saying much more of a problem in rural areas, I live in a city and had no problem at any of the banks I've opened accounts at both in Pattaya and Khon Kaen.
Eddie ****
Eddie ****
OP
Peter Cox ​so sorry you're stuck in the middle! It definitely sounds like local branch staff misunderstand anti-scam rules. Good luck at the amphur today—really hoping the yellow book saves you a trip to a bigger city!
Mark ********
Mark ********
I had good luck with Kasikorn in Hua Hin last year. They were great to work with while all the government rules were randomly changing daily. The app works great too. Good luck Sir!
Anchalee ********************
Anchalee ********************
Whatever bank you choose, check what kind of documents you need.
Brett ***********
Brett ***********
Use wise much better rate i use rbc in Canada and they convert to usd first and then to thb and you get bad exchange rates on both. wise uses the mid market rate and its same day on most transfers
Edward ********
Edward ********
Brett MacKenzie Just remember that the Wise mid-market rate is before fees. It's not the effective rate.
Brett ***********
Brett ***********
Edward Dunlay 0.4 % great deal

Its called business it keeps the lights on
Wannikea *********
Wannikea *********
Go with SCB or Kasikorn, stay away from Bangkok Bank.
Jan ******************
Jan ******************
It’s more a question of which branch will accept a Non-O than which bank.

Get a residence certificate and a Thai SIM card. Bring your passport and national driving licence, then just try a few branches.

I transfer money from Europe to Thailand and it normally arrives within a couple of days.
Ant ***********
Ant ***********
Do you already have a Non-O Visa ?

Are you in home country or Thailand ?

Are you familiar with Wise

Many choose to move from Home bank to Wise to Thai bank

Any Thai bank that uses Wise is fine - probably not Bangkok Bank

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