It is not a bank policy, you can clearly read that it is an immigration decision.
But....That order comes from an internal bank policy, based on the requirements set by the Thai Immigration Bureau for the renewal of certain types of visas, especially retirement visas (O or O-A), which require maintaining a minimum bank balance (such as 800,000 THB) for a specific period.
To protect itself legally and ensure compliance with these rules, the bank imposes its own additional policy: not issuing the bank balance certificate until the required amount has been maintained in the account for 4 months. This is not directly established by immigration, but rather a measure by the bank to prevent the certificate from being used fraudulently or temporarily.
The bank applies this internal rule as a precautionary or control measure, but it is not supported by any law or official decree.
Everything you've been told is correct; however, I would add that you should email the embassy you choose to go to and check their specific requirements. To put it another way, sometimes they act differently—or more empathetically. To each their own in the Lord's vineyard.
You have very thin skin, and I don't think you've understood the true concept of the system. Brandon is talking about. Would you tell an immigration agent it was inhumane? Think again.
It’s highly unlikely that someone at the Thai Embassy in London was working and manually sending emails at 10:55 PM on a Sunday night, unless it was an exceptional case.
The most likely explanations are:
1. Automated system: Many embassies and government offices use systems that send emails in scheduled batches, even outside working hours.
2. External server: They might be using an external service to manage appointments, visas, or communications, which sends automated messages according to its own schedule—not necessarily aligned with Thai or UK office hours.
In short: it doesn’t mean someone was working at that time—it’s more likely the system was set to send the message automatically.
Many in Thailand do the following: From their country, they buy a long-term travel insurance. Annual. They save a lot, but you have to take good care to avoid problems.
Paying for policies while here is expensive for many.
Personally, I don’t like travel insurance policies.