Why is Krung Thai Bank refusing to issue a certificate of deposit for visa purposes?

Paul Bengtsson So the agent wasn't lying. Bangkok bank just changed their policy

Paul Bengtsson The Bangkok Bank Crackdown

Bangkok Bank implemented stricter compliance rules to crack down on short-term "parking" of funds and informal agent workarounds (where temporary funds are cycled through accounts just to get the paperwork).

Extended Seasoning Requirements: Bangkok Bank began enforcing a stricter timeline—effectively requiring funds to be present much earlier, or enforcing strict lock-up/freeze periods on accounts if the seasoning timeline doesn't match their internal compliance standard.

Reluctance with Agents: Because banks are under intense pressure from the Bank of Thailand and anti-money laundering regulations, branches have grown heavily resistant to third parties or agents attempting to process or secure letters for accounts they don't directly manage or where funds look suspicious.

2. Why Krungthai (or other banks) Might Be Preferred

Other major banks (like Krungthai, Kasikorn, or SCB) have varying internal compliance departments. Some expats find that certain banks are either more straightforward to deal with or haven't rolled out the exact same friction-heavy internal tracking that Bangkok Bank adopted. If an agent routinely pairs up with specific branches or banks that have smoother, more predictable processing for foreign accounts, they will naturally steer clients there.

Michael Durkin

Todd Capron I know, but why touch it? I don't need it. And it would have to be back to 800,000 THB TWO months before the next application, not three

Matthew Plymale I’ve been with them for over 5 years now and never have had an issue

@Brandon ***********

It's even impossible right now to use Agent to get long term visa in Thailand if you are with Bangkok Bank (even if you have the 400k).

Paul Bengtsson so you’re claiming that you can deposit your money in the afternoon and go to immigration in the afternoon.

@Brandon ***********

well no - the immigration rule for visas is what drives these policies. The full 800,000 THB must be in your Thai bank account for at least 2 months prior to applying for your initial retirement extension, and 3 months prior to subsequent annual renewals.

Banks must comply with this.

To get immigration paperwork (like a bank letter and updated bank statements) for a Thai retirement visa, you must show that 800,000 THB has been in your Thai bank account for at least two months before your initial application, or three months before an annual renewal.

The crackdown on visas and using agents to deposit the money which is then taken out once the visa is issued is a grey area work around but circumvents the actual laws in place by greasing palms, hence why it costs more - but it definitely is part and parcel of Thai immigration law.

Brandon is correct. There is no such rule, it's bank specific. It's possible that Krungthai bank is following in Bangkok Bank footsteps, but so far it's anecdotal. Beside, you are talking about immigration approval of said visa (requirement), while OP and Brandon refer to the Bank own regulation (when certificate is issued).

@Brandon ***********

“For not less than 2 months before submitting an application and for not less than 3 months after receiving permission, a deposit of at least 800,000 baht must remain in a commercial bank account located in Thailand. When 3 months have passed after approval of the retirement visa, money may be withdrawn, but the account balance may not be less than 400,000 baht”

I read and i understand just let it there for 3 Month and nobody have a problem with Visa so diffiucult to understand ?

Krazyeyez666 the Rules Always changing you have to expect 3 Month ....this IS Thailand