Liverpool Lou

It has nothing to do with the banks. Banks do not have the authority to determine the legitimacy of a will, never mind be able to authorise administration/'probate' and then distribute an estate's assets to a third party. That has to be decided by a court after the death of an account holder.

But "individual interpretation of the law" and its circumvention doesn't make those transgressions of the law legal, by definition.

What I said was: "If you're worried about the legality, you could always schedule a transfer of 800K each month and then cancel and reschedule each month." How do you get from that that the 800K would not remain in the account while you're alive? If you're doing a monthly transfer out of the account the 800k is going to drop below 800k, isn't it? If the transfer is being cancelled before it transacts, what is the point of doing that?

Doesn't have to involve the amphur office.

I don't see why... If I give a friend my atm card... To get cash.. That's not illegal. It is illegal if the withdrawals are made from the account after his death by a 3rd party without the bank being informed, which is what he was referring to.

If that 800k is for immigration purposes doesn't it have to remain in the account?

That authority would cease on your death until 'probate' is granted, as would the access to the account.

Where did you post the very clear, unambiguous law? I didn't. Someone else has, though. You can check it for yourself.

Why? Because after your death the account should be frozen until 'probate' authorises the distribution of your estate's assets.

No, not if you give your authority for it.

It doesn't require a law degree to be able to read the very clear, unambiguous law and just because someone may be a lawyer doesn't mean that they can't misinterpret that law.

That very useful link does not, however, suggest that the (illegal) "emergency envelope" is used after a death, as your post could be interpreted to mean, although I do understand the practicality, if not the legality, of it.

"I die and someone I know has my online info and transfer money out..." What he's saying is that action would be illegal after your death until 'probate'/administration is approved. If anyone else had a legal claim to those funds as a potential beneficiary of your estate after your dying intestate, legal action could be taken against those who defrauded your estate after your death.

She doesn't have legal access before your death or after your death until 'probate' is completed. The bank will know at some stage and they should know because those funds (however insignificant) do not belong to your wife and the bank does not have authorisation to distribute the funds in your account to anyone else. If it turned out that anyone else had a claim to those funds there could be issues if she had stolen them or if the bank had just decided to dish them out willy nilly.

That is an adage and is not literally true. After your death it doesn't matter what you wanted if it doesn't follow the law. In practice, it may be physically possible but, then, so is legal action for fraud or theft if it is discovered...that's the 1/10th that some people seem to forget about.

Why would the bank be notified of a death? Because those funds belong to the deceased's estate, not to the bank, not the wife or girlfriend, and assets of a deceased's estate have to be frozen by law until 'probate' is authorised by a court.

In the case of a death, it is not "our" money, it is an asset of the deceased's estate until probate is authorised. That "first thing" is called theft. Would the bank not be curious as to why someone who is not the box holder would be accessing it and then comment on it when they were subsequently advised of the death?

Could take months, not necessarily does.

You can bequeath but neither you nor your banks can give anyone access to your accounts after your death until the administration/'probate' procedure had been completed. It would not be legal, no matter what your will stated, for her to use the account (nor for the banks to distribute deceased's assets) after your death without court approved administration. That is could, physically, be done illegally is beside the point.

The bank does not know if you are alive or dead do they, mrs took money out of my account yesterday, I could have been dead for all they know The point is that you were not dead yesterday, if you were, the police would have been involved in that incidence. You really do not know that the police and embassies and families are involved in all foreigners' deaths enquiries?

Not legally, she can't.

If and when you find a better solution can you post it here please. It's not difficult to know the legal solution as opposed to the daft bank employee's recommendation of theft and it has already been posted here!

"The police don't tell us nor does anyone else". That's what she thinks! I wonder how many deceased foreigner's accounts she's had to deal with? Chances are, statistically, none. All foreigner's deaths have to be reported to the police. The police attend the foreigners residence...obviously...to secure personal items, passport, etc., including passbooks, ATM cards. Police inform the relevant embassy and from there the family and bank would be informed if there's evidence of bank assets however small. It's at that stage that any illegal, post-death withdrawals (thefts) from the deceased account would be seen and any action could be instigated. Ask the bank if their ignorant staffer would put that instruction in writing for future reference!

Sure but the operative question to some on here is: How will the bank (ever) find out? How would the bank ever find out what?

exactly with the taxi maffia in place, better go with bts as far you can go "Taxi mafia" at the official taxi stand a Suvarnabhumi? I don't think so.