JontS

Thanks for the input. Yes, it is not black and white, but there is no way the Thai authorities are getting any of my savings that I already paid taxes on. I'm happy to pay taxes on my income that I earn while living here and bring into Thailand. The tricky part is how to separate my savings and my income, interest, stock gains etc.

Are you being serious? You really think the Thai tax authorities have the right to tax my savings from before I even move to Thailand?

I think you are misunderstanding how this works (fortunately :)) - Thailand has nothing to do with my income earned (and taxed) before living in Thailand. I moved to Thailand in April 2025. They can only claim taxes on income earned after I become a tax resident. Have a look at this article, the section "Income Earned Prior to Living/Retiring in Thailand" explains it. https://www.thethailandlife.com/expat-tax-thailand#Income_Earned_Prior_to_Living_Retiring_in_Thailand

One thing I still haven't figured out is how the Thai tax authorities view accrued interest in e.g. IBKR, that is left in that account and not remitted into Thailand. Money that I remit into Thailand comes from savings, so as long as I leave the interest and gains in the IBKR account it won't be taxed anywhere? Sounds almost too good to be true.

This can be a bit tricky. I just recently moved here from Denmark and by moving away from Denmark, the authorities there no longer consider me a tax resident for future income. Soon after I made the move, the 4 banks that I had in Denmark, and Interactive Brokers, started asking for a tax ID. I then went to the authorities here in Thailand only to find out that they will not issue one until after at least 6 months, or when I am due to pay taxes. It took a bit of back and forth, but they all accepted my explanation that I couldn't provide at tax ID at this time. I was even able to open an additional account at Interactive Broker using the same explanation.

Not true. Used them about a month ago for my visa, no problems at all getting an account with BB.

Just signed with Pacific Cross using Macallan as a broker. 46k per year with a 20k deductible and inpatient only. Only exclusion is hyperlipidemia and both Jack at Macallan and another broker at AA ensured me that heart attack, stroke, etc. would be covered as it would be very difficult for the insurance company to proof that it was caused directly by the hyperlipidemia. I tried to protest to the wording in the exclusion, but went along with it eventually. I see the insurance as an emergency situation help and I might cancel it at a later point when it becomes to expensive, e.g. after 70 or if I have a big claim at one point, cancer or something that would make my premium skyrocket.

I'm in a similar position, just moved here on the 26th and getting hammered by my danish banks, and Interactive Brokers as well, to provide tax information. I have Saxo in Denmark, but not sure I will continue using them because of their ridiculous fees (at least compared to IBKR), as well as two other danish banks. Santander asks specifically for a tax ID number. Did you end up getting a TIN?

Thanks, that's good to know 🤗

How long have you been with them and how has the premium progressed during that time?

Anyone used them as a broker for health insurance and can share their experience? Thanks, Jon

I'm in a similar situation and this is probably the most helpful article I've come across... https://www.thethailandlife.com/expat-tax-thailand#Income_Earned_Prior_to_Living_Retiring_in_Thailand

Took 3 days for me here in Denmark, can't complain either 🤗

Thought I'd give an update after having used BIC Flex 5 for a while now. It's actually much better quality than Gillette Fusion 5. Better durability as well. Will definitely try the other options from BIC once I'm in Thailand.

Will do, thanks for the helpful advice