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Why are Bangkok Bank accounts being frozen for DTV visa holders, and what are the alternatives?

Jun 22, 2025
a day ago
Kirill **********
ORIGINAL POSTER
Hey everyone! Has anyone had their Bangkok Bank account frozen because of a long-term DTV visa? Are there any alternatives?

Kinda feels like discrimination!)
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TLDR : Answer Summary
The discussion revolves around Bangkok Bank freezing accounts of individuals holding a DTV visa, perceived as unfair by some. Various commenters share experiences, noting that banks are increasingly rejecting DTV visa holders due to new regulations aimed at preventing money laundering, not necessarily due to individual account activity. Several alternatives to traditional banking are suggested, such as using cash, TrueMoney, Wise, or Revolut, to bypass the difficulties linked to bank account openings and maintenance under the DTV visa.
DTV VISA RESOURCES / SERVICES
Dustyn **********
It’s due to policy change. DTV isn’t eligible to have a bank account.
Anonymous ******************
It seems to be mainly Russians who are having accounts closed
Laurent ********
Yep, they froze and closed my account too. It was opened on a METV but I have DTV now. They didn't care. 'We don't accept your visa'. Stay far away from this miserable bank!
Elías ********
DTV is not a "long term visa" as per Thai Immigration rules (I know it doesn't make sense as it's good for five years, but it is what it is).
Luit *****************
@Elías *******
It is only good for 360 days, not for 5 years.

That you can easily trick tye system by returning (almost) immediately does not make it a real long term visa.
Elías ********
@Luit ****************
I already said is not a long term visa, but it's good for 5 years, that's not tricking the system. You're mixing two different unrelated things.
Juha *******
No
Trevor ****************
Could we get this post no more than once a week? 😀
Kirill **********
ORIGINAL POSTER
@Trevor ***************
This is the hottest topic right now 😁
Luit *****************
@Kirill *********
Why is everybody here so excited about having the possibility to do QR payments. I agree it would be a nice to have, but not that important to spend that much attention to.

And as far as I can see QR payments are the only thing you need a Thai account for.
Pete *******
@Luit ****************
QR payments (and for receiving funds) is incredibly convenient. It’s kinda like saying why do people like having the internet on their phone.

I’m curious about the “that much attention” people spend on it though. Do you mean attention in getting a local bank account or the attention of mentioning it here?
Trevor ****************
@Kirill *********
- I'm not sure it's a hot topic after it's been posted multiple times. A quick search. 😉
Kirill **********
ORIGINAL POSTER
@Trevor ***************
Yes, sir — exactly!🫡
Mark ********
Discrimination? FFS, what is it with this Generation Entitled that every time something doesn't go their way, out comes the discrimination card? You're not a long-term resident, you're not entitled to a bank account. If you want a bank account get a non-immigrant visa. Simple huh?
Nick ******
@Mark *******
OR an ELITE visa, which is ALSO a 'glorified' Tourist visa, and same as for the DTV, you need to have it extended (not every 6 months but every year). Surprisingly, all local banks let you open as many accounts as you want when you hold that visa.
Mark ********
@Nick *****
The clue is the word "elite"! There's nothing elite about the DTV - anyone can get one!
Luit *****************
@Nick *****
As far as I know you don't have to leave the country on an Elite visa, which shows it is meant to stay long.

DTV you have to leave at least each 360 days. and that is not a really long stay compared to Elite visa.
Nick ******
@Luit ****************
possibly, I used to leave at least once a year to avoid a painful trip to CW so I can't really say. But apart from this minor difference, both are still tourist visas for extended periods of time.
Kirill **********
ORIGINAL POSTER
Dany ********
Alternatives: Cash & ATM, TrueMoney, Wise & Revolut, Thai girlfriend.

Plenty of options. Dont really need an account.
John *********
Freezing accounts where they suspect suspicious activity, unusual flows in and out of the account. Go to the branch I’m sure they will be understanding if you can explain the source of any particular funds that have attracted the authorities attention.
Kirill **********
ORIGINAL POSTER
@John ********
That may be the ideal scenario, but let’s be honest — not everyone is given the opportunity to explain. Many people have gone to their bank branches with full documentation proving the legal source of their funds, only to be told, “We no longer support your visa type.” At that point, no explanation seems to help.

The issue isn’t always suspicious activity — more often, it comes down to the visa itself. In particular, DTV visa holders are increasingly being denied service, with banks clearly stating that they no longer support this visa category, regardless of financial transparency.

This has caused serious inconvenience for many expats and long-term residents in Thailand, especially those staying under long-stay visas like the DTV.
John *********
@Kirill *********
agree its Thai logic, doesnt make much sense to foreigners, the trouble is quite a few suspects have slipped through the dtv soft powers net, so the government are probably making it difficult for them and everyone else that open accounts this year and last ..what nationality are you?
Kirill **********
ORIGINAL POSTER
@John ********
I’m a resident of planet Earth.

Are you a nationalist?
John *********
@Kirill *********
you have provided all the information I need to know now GL
Carl *******
If you have a DTV visa for workcation, registred SIM, tax number in Thailand and of course use it on a regularly basis, i.e for your salary (not just one month per year) there is no need to worry. Recently talked with my bank about it. The most common reasons why they close down accounts is for money laundering, excessive amount or wire transfers (wise, revolut) and if you are not paying tax in Thailand, even thou you stay here more than 180 days per year, so It's not because of the DTV it's closed down. More likely for other criterias that people not want to share when they give you their story in forums like this ..
Kirill **********
ORIGINAL POSTER
@Carl ******
Thanks for sharing — good to hear you’ve got clarity from your bank. But I think for many people, it’s not just about wire transfers or tax evasion. Some had long-standing accounts, regular usage, and still got frozen just after showing a DTV visa. Banks don’t always give the full story either. So while you’re probably right in many cases, there might still be some bias or internal policy changes that aren’t being openly discussed.
Carl *******
@Kirill *********
Just have to wait and see I guess..
Anonymous ******************
Lots of naughty people here. You know who you are 🤨
Kirill **********
ORIGINAL POSTER
Анонимный участник 203 Naughty? I prefer ‘creatively non-compliant.
Anonymous ******************
@Kirill *********
to exist here you need to be creatively compliant 😂I ment really naughty should be in jail types.
Kirill **********
ORIGINAL POSTER
Анонимный участник 203 What does the DTV visa have to do with Bangkok Bank?

We’re discussing the account blocks at Bangkok Bank for those who hold long-term DTV (E-VISA) visas — law-abiding individuals who live here and follow the rules of the Kingdom of Thailand.

A thief belongs in jail — no argument there.
Jussi ********
@Kirill *********
DTV is still like turist visa, not longtherm visa,, try to understand it...
Kirill **********
ORIGINAL POSTER
@Jussi *******
Yes, sir 🫡 Crystal clear, Captain Obvious.
Chris ****
Discrimination because of Visa? That’s a new one!
Kirill **********
ORIGINAL POSTER
@Chris ***
Yeah, it definitely sounds strange, but it’s actually becoming a real issue for some foreigners — especially in Thailand right now. Several banks, like Bangkok Bank, have reportedly started freezing or closing accounts held by foreigners on certain visa types, like the DTV (Digital Nomad/Long Stay) visa.

It’s not officially labeled as “discrimination,” but in practice, it feels like it — especially when long-term residents suddenly lose access to their bank accounts without any warning or clear explanation, just because of their visa type.

Some people are calling it:

• “financial exclusion”

• or even “soft deportation tactics”
Pete *******
@Kirill *********
it might “feel” like discrimination but it’s not. It’s bank policy to protect the bank and its a reaction to the fight against scammers. Nearly a million (or possibly more now) bank accounts were closed because of this and the vast majority were actual mule accounts.

They didn’t close anyone’s account based on their race, class, nationality, color, ethnicity, gender, political affiliation, etc… they simply closed them because they did not have a qualifying visa. When you accept that is not discrimination, people will stop hammering you on your claim and the conversation will get to a better place.
Luit *****************
@Kirill *********
Long term residents don't have DTV, so they not suddenly loose access to their bank accounts.
Elías ********
@Kirill *********
why would DTVers feel excluded or trying to be deporting by not having a Thai bank account? Have you ever heard about international credit/debit cards? 😒🤷🏻 I'm a DTVer and not having a Thai account doest affect me at all.
Anonymous ******************
@Kirill *********
you were never supposes to have a bank account on tourist visa which dtv is
Mark ********
@Kirill *********
Long-term residents are not affected. It's only tourists
Mark ********
@Chris ***
My thoughts entirely. I'm so over Generation Entitled, who know NOTHING about REAL discrimination
Kirill **********
ORIGINAL POSTER
@Mark *******
Fair point, but just because it’s not your kind of discrimination doesn’t mean it isn’t real for someone else. Times change, and so do the forms of unfair treatment.
Anonymous ******************
@Kirill *********
tourist visa doesnt allow a bank acc in thailand so you broke the rules at first place
Mark ********
@Kirill *********
Tourists cannot open bank accounts in many countries of the world. Why don't you make a complaint to the Court Of Human Rights in The Hague. I'm sure that'll be your next comment. Being unable to open a bank account as a tourist is NOT discrimination. If you're so sensitive about it, just get a real long-term visa and problem solved. Easier than changing the colour of your skin isn't it?
Kirill **********
ORIGINAL POSTER
@Mark *******
Wow. That’s a pretty arrogant take. No one’s asking for special privileges — people are pointing out sudden, unexplained account closures targeting certain nationalities. That’s not “normal policy,” that’s profiling.

And your comment about skin color? Completely out of line. Comparing visa restrictions to race is not only tone-deaf, it’s offensive — and says more about your mindset than anything else. If you can’t discuss serious issues without sarcasm and mockery, maybe it’s better to stay out of the conversation.
Mark ********
@Kirill *********
Skin colour IS discrimination. Being unable to open a bank account is national policy. But heyho carry on whining
Kirill **********
ORIGINAL POSTER
@Mark *******
Funny how you’re quick to talk about “real” discrimination but totally ignore it when people get shut out just because of their nationality. That is discrimination — whether you want to admit it or not.

Calling it “national policy” doesn’t make it fair — it just makes you sound like someone who’s fine with injustice as long as it doesn’t happen to them. So maybe chill with the smug attitude, kiddo.
Mark ********
@Kirill *********
No-one is being "shut-out". The inability of DTV holders to open a bank account is not country-specific. I know one Australian who had his account frozen, but was able to go to his bank and withdraw the money. The simple fact remains only non-immigrant visa holders can open bank accounts. DTV is essentially a glorified tourist visa. People obtain them with a bogus Muay Thai class, a cooking course or half a dozen dental appointments. It has nothing to do with race. But as always, people who feel they are being disadvantaged will scream "discrimination". If it's truly discrimination, get your ambassador to lodge a complaint of discrimination against the bank to the relevant minister. Surely that's a better strategy than perpetual whining on Facebook?
Kirill **********
ORIGINAL POSTER
@Mark *******
Man, that’s too much, I’m out.🥴
Mark ********
@Kirill *********
Way too much for your simple little brain to process. Tourists cannot open bank accounts in Thailand. What part of that can't you process?
Kirill **********
ORIGINAL POSTER
@Mark *******
The point of the post was to ask if there’s an alternative to what happened. And here you are talking nonsense, big guy in oversized glasses.

Cool it, amigo.
Mark ********
@Kirill *********
The point of your post was to cry about discrimination that doesn't exist. If you can't manage your money without a Thai bank account and asking for financial advice on Facebook doesn't that tell you something? In the same way as personal insults tell you that a person has lost a debate and is now resorting to infantile insults
Kirill **********
ORIGINAL POSTER
@Mark *******
Oh wow, you’re a real expert, huh? Funny how banks were opening DTV accounts for a whole year, but I guess showing off matters more to you than actually understanding how things work. Chill out, smart guy.
Mark ********
@Kirill *********
A whole year? Interesting considering the DTV was only introduced 11 months ago. The problem is, accounts could only be opened with the help of an agent (ie. Paying a bribe to a bank manager). Surely that tells you something?
Peter ********
According to the Facebook page of the Bangkok Community Help Foundation, Bangkok Bank has reportedly begun freezing accounts and blocking the cards of Russian nationals who fail to meet the new eligibility criteria.

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55/bangkok-bank-cracks-down-on-foreigners-accounts
Kirill **********
ORIGINAL POSTER
@Peter *******
That’s seriously concerning. If banks are now introducing new “eligibility criteria” without any transparency — and especially if they’re targeting specific nationalities like Russians — it raises real red flags. People who’ve lived in Thailand for years, paid taxes, and contributed to the economy are suddenly being treated as high-risk just because of their passport. That’s not just policy anymore — that starts to feel like systematic exclusion.
Peter ********
My Bangkok bank still works fine, and I’m not even in Thailand. I was reading something about they wanted to freeze accounts of russian people. Plus maybe you need to have your telephone number under the same name as your bank account and updated it in your settings of the bank app
Kirill **********
ORIGINAL POSTER
@Peter *******
Glad to hear your account is still working — sounds like you’ve been lucky so far. Unfortunately, that’s not the case for everyone. Even people who had their phone number correctly registered and updated their app settings still had their accounts frozen. Some got notifications, while others were just cut off without any explanation. The reasons aren’t always made clear, but in reality, it’s mostly Russian nationals and holders of certain visa types — especially the DTV — who are being affected. At this point, it feels less like a technical issue and more like an internal policy shift that banks aren’t being upfront about.
Лена *******
It is not because of the visa that the bank account is closed, but the one who made it through others helpers in the last 2 years had experience of p2p exchange.I opened it myself 3 years ago on a tourist visa. And now I have a tourist visa and everything works.😄
David ********
@Лена ******
what’s P2P?
Kirill **********
ORIGINAL POSTER
@Лена ******
Glad everything’s working fine for you — sounds like you did everything right 😊

But unfortunately, the situation isn’t the same for everyone. Even some people who opened their accounts themselves and never used P2P still had them frozen. Things seem to be a lot stricter now compared to 2–3 years ago. Looks like banks are shifting their policies, especially toward certain nationalities.
FirstNam*********
It’s not because you have a DTV it’s because you don’t have a long stay visa
Kirill **********
ORIGINAL POSTER
FirstNameLastName The DTV visa is a long-stay visa.

It’s officially referred to as a “long stay” visa for digital nomads.
FirstNam*********
@Kirill *********
it’s not a long stay visa as you only get a 6 months entry stamp, in the eyes of officials and the banks it’s just a tourist visa
Kirill **********
ORIGINAL POSTER
FirstNameLastName Please read carefully the information from the website of the Embassy of Thailand

«As we’ve covered earlier, the DTV is a visa designed for digital nomads that offers a long-term and flexible stay in Thailand with the freedom to engage in other pursuits while working in the country.»
Greg ********
@Kirill *********
That website is NOT official. The DTV is a tourist visa in the eyes of immigration and the banks
Anonymous ******************
@Kirill *********
that is not from The Embassy of Thailand. It's not a government website. Nothing official about it.
Kirill **********
ORIGINAL POSTER
Анонимный участник 128 Yeah, you’re right — but still, I wanna believe in the best 😉
Luit *****************
@Kirill *********
Please tell where it is officially referred that way.
Kirill **********
ORIGINAL POSTER
@Luit ****************
**********************************************************************
Luit *****************
@Kirill *********
I asked for an OFFICIAL referral, not a commercial one providing visa services.
James ********
@Kirill *********
that's 🚫 NOT an official Thai government website. It's owned by a Thai Law firm in Bangkok.
Andrew *****
FirstNameLastName or is it because the phone# or name in the account didn’t match the phone records! I have spoken to 3 people personally who have had this happen to them and they were all on long term visa’s!
Greg ********
@Andrew ****
Yes this was another requirement implemented this year. Mobile banking requirements of SIM tied to ID (Passport) tied to account. Some long termers got caught out as used Thai wives ID to get SIM.
Andrew *****
FirstNameLastName always long stay
FirstNam*********
@Andrew ****
they are on long stay visas now but were they when they opened the account?
Andi ***********
@Andrew ****
That is one reason, it is essential to have a phone number matching the account,
Luit *****************
@Andi **********
This is not only for visa holders, but just for all Thai.
Gilly ***********
Have all bangkok bank accounts opened with DTV been closed or just some?
Andi ***********
@Gilly **********
Not all are closed, if the account shows normal usage and deposits can be verified then there is a good chance the account can remain open. It depends also on the branch's manager decision. Must have a registered phone matching the account.
Anonymous ******************
That's what happening when plenty of bank refuse you but you still somehow think there is absolutely not risk opening with luck or with an agent... That's not new in Thailand. People need to learn balancing risks instead of focusing on what the law allows or not.
Anonymous ******************
We are tourists. Not welcome here as long term residents
Andi ***********
Anonymous participant 470 Thailand does welcome long term residents as many have lived there for 10, 20: years. Unfortunately, there are increasing numbers of foreign visitors/residents who exploit Thailand for various wrongdoings.
Anonymous ******************
@Andi **********
and this helps me how exactly? As a dtv visa holder trying to open an account
Brian ********
Anonymous participant 470 doesn’t. DTV is a tourist visa.
Andi ***********
Anonymous participant 470 You did not ask for help to open an account, you said long term residents are not welcome and that is not the case. If you want to open an account as a DTVER then it is not totally impossible, by yourself or via an agent.
Anonymous ******************
Yes have
Ko *******
Stop whining…
Kirill **********
ORIGINAL POSTER
@Ko ******
Yes, sir 🫡
Su ********
It's not because of DTV. It's their new regulations to prevent from money laundering. They are closing down recently opened bank accounts in 2025.
Greg *********
@Su *******
and unusual activities
Greg ********
@Su *******
Recently opened bank accounts on certain visas. Not just DTV.
Oleg ***********
@Greg *******
everyone who doesn’t have 1 year visa.
Greg ********
@Oleg **********
And your point is? The facts are the Bank of Thailand has issued guidance to tighten up who can open and hold bank accounts in Thailand. The commercial banks are following this. The bank I spoke to said they will only open accounts for people with long term visas issued by "Immigration". The main reason behind this is due to acammer accounts. There are other reasons too such as many accounts are just not commercially viable for to them for foreigners to hold.
Andi ***********
@Greg *******
Yep commercial viability is a factor for account closures. Santander international said as much for their recent demand of 40 quid a month to keep my account open or deposit 75k. 🫨
Greg ********
@Andi **********
Yup. The Common Reporting Standards that Thailand signed up to for foreign account holders has a cost too. It is easier for banks just to not have foreign accounts if they lose money on them.
Andi ***********
@Greg *******
Yeah, I get the profit making but to ask for 75k and not earn interest is taking the p... .
Su ********
Yes totally.
Ciaran *********
Discrimination is the unfair or unequal treatment of individuals or groups based on characteristics such as:

• Race or ethnicity

• Gender or sex

• Age

• Religion

• Disability

• Sexual orientation

• National origin

• Social class

It occurs when people are denied opportunities, rights, or fair treatment because of these traits rather than their abilities, behavior, or qualifications.
Kirill **********
ORIGINAL POSTER
@Ciaran ********
That second-to-last point seems pretty relevant here.
Tore *********
@Kirill *********
had zero to do with discrimination lol. People are too quick at getting offended. Its a anti money laundering thing, period.
Ciaran *********
@Kirill *********
national origin hasn’t nothing to do and not being able to open a bank account in Thailand on a tourist visa. No European country would allow a tourist to open a bank account so why are you expecting Thailand to do it?
Mark ********
@Sitg ********
He's right
Ciaran *********
@Sitg ********
no it’s called FACT