This has nothing to do with an agency opening an account for you. It will not increase, or reduce the risk of your account requiring additional checks.
It is related to the bank, and your account activity triggering additional KYC.
Some banks are more sensitive than others.
This is why you have many different reports of some not having any issues with certain banks, and many others having many issues with that same bank.
If you want to switch banks, it’s allowed as long as you never let your balance fall below the required minimum and can show a continuous trail of funds. The safest plan is to transfer during the period when your balance is only required to stay above 400,000 THB (after the 3-month post-renewal window). Start by opening your new account, transfer 400,000 THB first while keeping at least 400,000 THB in the original account, then after a few weeks transfer the remaining amount so the new account holds the full 800,000 THB. Make sure the funds in the new account have been there for at least 2 months before your next renewal.
Keep all transfer slips, bankbooks, and letters to prove the money stayed under your name and within Thailand. With that documentation and proper timing, immigration will accept the new account without affecting your visa status.
We also offer support in case this is too complex, or you would us to handle everything.
We can help you open a bank account if your goal is to obtain a retirement visa, even if you currently have no visa, an exempt entry, or a tourist visa.
We’ve heard of some individuals being able to obtain the letter without issue, while others were required to sign a document locking their funds, and in some cases, banks refused to issue the letter altogether and instead pushed for account closure.
Our recommendation is to open a secondary account and gradually transition away from banks that impose policies that could jeopardize your visa status.