MangoKorat

2 hours ago, Upnotover said:

I have been sending from Wise to Kasikorn for a long time.  Irrespective of then reason given for transfer the bank book always shows TRN.  The statement however always shows "รับเงินธุรกรรม ตปท" which Google tells me means "Receive money from overseas transactions".  I never had any issues with that.

Yes, just checked my book and that's how most of my transfers are recorded.. According to the back page TR means cheque of transfer, N mean.s no book transaction.  I have one TTN - again according to the back page that means transfer - inter region.

I could be wrong but I seem to remember that when this first started, these codes were the reason for a lot of the problems - immigration wanted it clear cut that they were international transfers.

2 hours ago, hotandsticky said:

 

 

My K Bank online transactions, and bank statements, record the deposits as "Trade Finance"

Does your immigration accept that?

2 hours ago, hotandsticky said:

 

 

My K Bank online transactions, and bank statements, record the deposits as "Trade Finance"

Yes, I haven't checked for a while but that's what mine used to be listed as.

2 hours ago, DrJack54 said:

OP, you have a comprehensive list of questions. 

Just one to you first.... Given that the funds in bank method for marriage is only 400k and after receiving extension stamp the funds can be used, is income method the option you wish to use. 

Yes, I don't want to have any more money in a Thai account than I need to. My cash is protected in UK accounts, I don't think it is in Thailand.

As far as I know, once I'm employed, there will be no problems with that method and I have to show an income of 40K per month in any case to maintain my work permit.

I remember the subject of bank codes becoming an issue a few years ago when home embassies stopped certifying income - there were dozens of posts with people having problems with the transfer type as shown on their bank statements.  As it didn't really apply to me, I didn't pay too much attention to it but I seem to remember people having problems with Wise transfers/bank codes.  However, it is likely to apply to me shortly and as there is another thread running about this, I thought I'd seek clarification as to the current situation.

By the time it applies to me I will be married (never thought I'd do it again but it makes so many things easier).  I will not be working when I apply for my first extension and will deposit 400,000 in my Kasikorn account for the first year - transferred from my UK account using Wise. Does that need to have a particular code? As an aside - as it will be my first application, is any seasoning required?

I will then begin collecting evidence of 40,000 per month income for the next year's application - again transferred from the UK using Wise.  However, part way through the year I am likely to be working in Thailand (with a work permit) - I presume that evidence of my income will be my salary coming from the company into my bank account?

So a few questions:

1. For income from abroad - what codes do immigration want to see on my Kasikorn statements?

2. How do I achieve those codes? Is it just a matter of choosing the correct reason for transfer when carrying out the transaction with Wise?

3. In terms of financial evidence what exactly do I need - bank statements, letter from the bank etc?

4. If a letter is needed, does it need to be dated on the same day as the application - as per retirement visas?

5. When I'm employed, do I need anything else other than proof of salary being paid into my bank account (it will be my company).

6. As I will be using part UK income and part from my Thai salary in the second year, is it advisable to keep the 400,000 in my account until the next application?  I'd rather not if I don't need to.

I will be making my applications through Korat Immigration who I know, can be awkward on occasions.  A few years back, a friend who ran a business in Thailand was told (by Korat Immigration) that his income had to come from abroad.  As he had a work permit and was paid by his company, that was clearly ridiculous. He had a hell of a fight and the officer refused to move on the matter.  He ended up having to pay a lawyer to sort things out.  I had a small issue with them a few years ago when they refused to accept that I was 'housemaster' on a TM30 application, even though I have a Usufruct. However, I know others who apply at Korat who don't seem to have problems.

I've had Non O's in the past (based on marriage) - some have no stamp stating 'Employment Prohibited' but one does.  To the best of my knowledge, those on a marriage based Non O can work (subject to all the other laws) on that visa and only need a work permit, not a Non B - correct?  I think the 'Employment Prohibited' stamp that I previously received was a mistake.

On 5/16/2025 at 9:30 AM, BeastOfBodmin said:

Sending over USD 10K (or equivalent) has been an automatic flag for decades (yep, not inflation-adjusted).

Wise recently advised me that the amount where a transaction is flagged and liable to scrutiny is $20,000US. Recently - as in March when I sent well over $10K US and had no problems. The transfer took seconds as it does for my usual smaller monthly transfers.

So does this mean that they have abolished the law that required a brewery to produce a gazillion litres per day in order to be allowed to operate - thereby creating the ThaiBev/Bood Rawd duopoly?

On 5/13/2025 at 2:48 PM, impulse said:

figured out not to even try stationary taxis on my first hotel stay in Bangkok.  I'm talking about taxis that I flag down and they refuse the trip if I tell them to use the meter. 

Rarely had that problem in 22 years.  I flag them down and simply ask "you go by meter?" 90% of non crawlers go by meter.

I can only ever once remember having to ask a driver to slow down and he did.

Please remember my first post on this matter - its a fact that the tips we think of as peanuts can and do cause problems for Thai people.  There is also the possibility that a young woman, waiting for a taxi late at night could face more serious problems.  In my ex's case, I had a word with the hotel manager who agreed that in future, the hotel would call a taxi for late finishing female staff. I can't see restaurants and other smaller employers doing that though.

So sorry, but through experience, I know that it is not necessary to give large tips, I don't and I don't have a problem apart from the old 'no have change' trick.  I learned that one years ago and usually have the correct notes to pay the fare.

The only time I pay a fixed price is with motorbike taxis - they don't have meters and usually charge far more than the trip is worth but if the traffic's heavy and you need to be somewhere, there's little choice.

On 5/11/2025 at 10:26 AM, impulse said:

Edit:  I can't tell you the number of times I've been refused on the side of the road because the driver wanted to find a longer drive, until I sweetened the pot.  Sadly for those that don't have it, money talks.  And as an individual, I can't do anything about that reality.

A). You need to learn who will take you by meter and who won't.  As a general clue, ignore the gutter crawlers or those that are parked up looking for a customer - they will almost certainly refuse to use their meter and charge you too well over the top. Instead, flag one down that's driving past at normal speed. There is no need for any resentment - they have a meter in their car - you might be interested to know that it is illegal for them to refuse to use it.

B).  'And as an individual, I can't do anything about that reality.'  Why not?  I don't over tip and it has nothing to do with my ability to speak Thai.  Just do what I say above and you will most likely get a normal driver who will use his meter. That's what I do everytime I'm in Bangkok and I don't have a problem - why are you any different?  The most I ever tip is if say, I've come from the airport and that fare is over 350, I will usually give them 400.  Other short journeys and I either don't tip at all or just 20 baht. 

You need to remember, there are more taxis than customers, there are plenty of drivers that will be thankful for your business. If you are looking for a taxi in a tourist area and try the kerb crawling mob, you aint going to get a ride at the right price - ignore them.

22 hours ago, impulse said:

But good luck finding one that'll do it for that.

I find one that'll do that every time.  I only ever tip around 20-30 baht - not because I'm a tightarse but because of the problems that tipping causes for Thai people.

My ex used to work at the Marriot in Sukhumvit and had to work alternate late shifts.  She used to have a hell of a job to get a taxi that would take her home when she finished at 11pm.  She could often stand there for 15-20 minutes trying to get a taxi. You can probably imagine what its like for a young woman who's not involved in the 'nightime industry' in Sukhumvit to stand there waiting for a taxi.

Many drivers are not interested in taking Thai's because of the amounts that foreigners tip. Foreigners often tip 1-200 or more, stating that its a very small amount to them but it needs to be put into perspective. Many Thai's earn around 350-400 baht per day - 200 baht is half a day's pay for them.  Low paid workers in the UK earn around  £100 per day (4300 baht). I can't imagine a situation where someone would tip a UK taxi driver £50 or even half that - yet that's what many foreigners do in Thailand and it creates a real problem for Thai's.

20 hours ago, GanDoonToonPet said:

 

 

This was a 'regular' taxi, if you mean the official airport taxis.

 

Weekday, around 3pm, raining, 50B fee, 80B tolls plus my destination was a bit further, Pinklao on the west bank of the river. This time was on the meter but the cheapest I had last year was 500B fixed fee and that was late at night or after midnight.

 

 

Probably Pinklao that did it. Don't think I've ever paid more than 400 but I normally go to central Bangkok.  These short journeys really put the long distance charges into perspective.  I have a regular taxi guy that I use to go from Bangkok to Pak Chong and that costs 2000 - all in.

19 hours ago, GanDoonToonPet said:

Think yourself lucky. I paid 600 just to get to Bangkok last week 🤨

Why? The regular taxis at the rank don't charge that.

3 hours ago, ChrisKC said:

You haven't got much idea about me, best you give up on the landlord/ tenant thing, it is about YOU, and probably reflects your general attitude in other aspects of your life that I don't care about either. Go away! I have nothing more to say! 

Childish.

I hope in this case that the Thai law helps the landlord to seek the redresss he deserves because if its anything like it is in the UK, he could well be throwing good money after bad.  Often, when you have a bad tenant, you just have to suck it up and move on.

3 hours ago, ChrisKC said:

This is Not about landlords and tenants. 

 

I have called you out for a bad attitude and you don't like it. And you keep defending it. 

Sorry but its entirely about landlords and tenants - read the title.  A poster suggested decent references  were required in the US and I stated that references are a waste of time because landlords (and others) often give out references just to get rid of a problem tenant - I would too rather than losing ££££'s as I have before. I've had bad tenants with impeccable references.  The only thing that's checkable about a reference is whether or not it was actually given.  There is no way of holding somebody to account if a reference is inaccurate and you'd have a hell of a job proving it was.

As for me 'not liking it' - twoddle, I don't give two hoots what you think. I'm just pointing out what happens in the real world - one that I have experience of whereas you do not.

11 hours ago, chickenslegs said:

I do not have a credit card. I visit the UK about once a year and always rent a car. All the rental companies accept a debit card, but it must have your name on it (i.e.- not just an ATM card). I think most Thai banks can issue a named debit card - Bangkok Bank certainly do.

Quite a few of the major rental companies in the UK won't accept a debit card and even they won't rent one of their 'premium' vehicles to you if you don't have a credit card.  Some that do in the UK such as Hertz for example - don't in Thailand.

Can I just butt in here and ask a question?  I don't have any credit cards and don't really want one but on the odd occasion not having one has caused me problems in renting a car when  I travel etc.  Just about all of the major rental companies require the renter to have a credit card.  How do I go about obtaining one?

Is it a simple process in Thailand?  I've been with Kasikorn for around 10 years.  Surely a credit check is required?  How do they credit check a foreigner?

1 hour ago, ChrisKC said:

My comments relate to fairness and justice to both Landlords and Tenants. of course you don't care about those things, your comments bear me out on that! I am neither a Landlord or a Tenant so I don't speak from experience but I DO have experience in honesty and integrity. Stop being a Mango!

If you were to speak to my current tenats they would tell you that I am a decent and fair landlord.  Nowhere did I say that I didn't care about 'fairness and justice'.  I suspected that you have no experience of such matters - I'd love to see how long your honesty and integrity would last if you did. Faced with a non paying tenant, who'd trashed your property and was refusing to leave without an eviction notice - you of course would continue to rack up losses wouldn't you?  There is no way on this planet that you'd give them a reference to get them out - even if it cost you £ thousands - yeah right, of course you wouldn't because your so upright and honest a real pillar of the community. 

We are of course talking about Thailand here and I have no idea how the law is weighted regarding landlords and tenants but in the UK its becoming bloody ridiculous. Someone can rent your property, totally trash it and not pay you any rent after their initial payment.  You're probably a month out of pocket before you give them notice. They have until the last day of that month to move out and if they don't, only then can you apply to the court for an eviction notice. That takes 2 months minimum so if you are very very lucky you will be 3 months out of pocket less the usual 1 month's deposit plus court fees.  And that's if you are very lucky.

The process is to issue a section 21 notice - 2 months and only then, if the tenant refuses to leave, can you apply to the courts for a possession order. If the tenants still refuse to leave you have to apply to the court and ask for bailiffs to forcibly evict them.

The cost of a possession order for non rent arrears is £404 and considerably higher for non rent arrears. If its ignored you then have to apply for a 'Warrant For Possession' - £148 + the bailiffs fees and on and on. Then, when you finally get your property back you will almost certainly have repairs to do.

As I said before, I live in the real world - the last bad tenant I had - it took 5 months to evict them. The court costs were around £800 and they had let their kids draw all over just about every wall in the house. The place was filthy, electric sockets had been pulled out of the walls etc. etc. I ended up over £8000 out of pocket.

Would I have given them a reference to get out before they racked up 5 months rent? Damn right I would - and so would you. The difference is that I'm prepared to say I would.

13 hours ago, Hummin said:

Did they require your premarital story? Where  and when you met, how long dating,  how long living together, what you do together, language for communication ? 

Never heard of the being required for a Thai Visa. British one yes.

On 5/6/2025 at 7:25 AM, ChrisKC said:

So you would even lie to the Landlords you know! It's not getting better for you here, is it?

 

Seems like there is good case for vetting Landlords as well!

 

Not getting better for me?  Do you think I care what you 'do gooders' think?  I live in the real world, I've had tenants trash properties, fail to pay rent and refuse to leave until I get a court order.  I've been told to fix a failed boiler for a tenant that only ever paid their deposit and one month's rent and when I eventually got them out, found that I had to completely redecorate almost every room in the house.

Don't tell me I could have taken them to court - that's a complete waste of time - they claim they are broke and the court allows them to pay £1 per week which they then fail to pay and you would need to pay the court upwards of £200 for them to send in the bailifs.  When the bailifs do go in, the tenants are already forearmed with letters from friends and relatives stating that the 55 inch TV and state of the art Hifi system are theirs and they have lent them to the tenant etc.  Some of these people are 'professionals' at it and know exacty how to work the system.

The laws are different in the UK and very much biased towards the tenant, the UK government seem to forget who owns the property.  A landlord is not even allowed to enter a property to carry out an inspection if the tenant refuses to let them in. I wonder how many of you 'holier than thou' types would not give a reference for a bad tenant if it got them out of their property? Its very easy to pass judgment if you have never been in a similar situation.

I no longer use agents to find tenants for my properties nor do I take references - I rely on my own judgment and its served me well.  A girl asked if she could rent an apartment I had and was up front about getting into debt previously.  She seemed fine to me and I appreciated her honesty. She's been in her apartment for 9 years now, takes good care of it and hasn't missed her rent once. 

I suggest you go buy a few properties, rent them out for a while then come back and tell us your experiences.  I guarantee you won't think as you do now.

Not getting better for you here either is it?

3 minutes ago, BritManToo said:

Let not quibble over a year .......... but over 18 or in their 18th year?

They cannot legally ride a bike over 110cc until they reach 18 and pass a test.  I'm not sure if the test for bikes under 110cc counts or whether they have to take a new test.  Knowing Thailand, the previous test probably counts.

6 minutes ago, smew said:

Go after the agent and agency, they get good commission for funding a tenant and it is their job to do a accurate due diligence on possible renters.

 

Read the get out clauses.  If you get a bad tenant, its lose lose until you finally get them out.  In the UK you even have to continue carrying out repairs for tenants who are not paying their rent!

2 minutes ago, smew said:

So, yiu are just a guilty and a scam artist  for passing on a problematic renters onto someone else 

What would you do smart**s?

As it happens, I haven't done it but I would - most landlords I know do.

Just now, BritManToo said:

Yep, limited to 110cc until age 17.

My daughter had a Honda wave 110 for her 15th birthday.

Full throttle everywhere she went, but survived and now drives a car.

Nope, its 18.

At 15 he can ride a bike up to 110cc until he is 18 when he can ride unlimited cc's - all subject to passing a test. There was talk of a 'big bike' licence being introduced for over 400cc with, I think a 21 year old requirement but that seems to have been shelved.