CallumWK

Incorrect, The guarantee is 1 million per bank, not per individual. And government banks, like government savings bank, have no limit on the deposit guarantee There were times it was the opposite. There are equities that increased 100% over the same period. In hindsight, all advice is easy given.

There is a difference between individuals with a Thai identification number (foreigners with pink card can open) and Thai nationals only.(foreigners can not open) CIMB, same as other banks, will have such accounts.

My 5 satang here, if you had read my posts, you would have known that I called headoffice already and they confirmed i could open the account

Maybe you should not think about going anywhere . See what I did there?

It is the same with UOB and about every other Thai bank. Thai banks discriminate a lot, especially in the higher interest paying accounts, which they make available to Thai nationals only.

This I fail to understand. CIMB is a bank like all others in Thailand, so why would nobody use them if they didn't pay more interest? Some accounts are Thai nationality only, same as many higher interest accounts at all Thai banks. I have learned that all Thai bank managers make up their own rules, so now I only talk with the head offices only about the conditions, then ask them to inform the branch I intend to visit. CIMB has a 12 month fixed senior account, as per the OP, that needs Thai identification, not Thai nationality. They have a 7 month fixed 2% account that foreigners can open.

I got my tax ID about 3 - 4 years after I got my pink card. Completely different numbers. My Pink ID has saved me many certificates of residence not needed, for driver license and other facilities. I wanted to open a 1.9% term deposit with CIMB, which required to be an individual with a Thai identification number. The pink ID card was sufficient, otherwise no account. I have accounts with other banks that required a pink card, otherwise no account. GSB and Bangkok bank are just 2 of them. I have registered post paid phone number, for which I needed the pink card, otherwise no postpaid. There are many other things I was only able to do because I have a pink card

I recall Kasikorn offered me one several years ago with the same conditions. Maybe now they changed. UOB offered me one without any security, I only had to prove that I also had deposits in other banks, but I didn't need to lock up any funds. I declined the offer coz I don't need a CC, i have an online DC, and that is all I need, as i prefer cash or pay with scan code

Obviously my ad is on marketplace, and they have a FB account, otherwise they would not be able to send me the first message. So why want to switch to Line if they can ask the same questions in messenger? BTW, the first one who asked, I complied and sent message on Line. She read the message and never replied

Now about every reply I get is asking to contact them on Line, just got the 6th one. Obviously something isn't right there. Anyone an idea why the ask for Line?

There is only 1 red wire that get current from one of the appliances, and that one is insulated already, all the others feed something. I intend to remove them all and then use just 1 MCB, and connect 1 wire at the time, then check which light or socket works, and mark the wire. I have a multimeter. I don't really understand the principle of a borrowed neutral, because after all they all connect to the same neutral bar. To check on borrowed neutral I assume that only can be done above the ceiling in the junction boxes. Is that correct, because if so that will require an electrician

I have started removing wires from the MCB's, as 2-4 and 5 had each 2 or 3 wires attached, and now are trying to find out where each wire leads to by providing power individually. I found one wire that comes out of the wall, which has 230V on it when MCB 2 or 4 are closed. That wire was attached to MCB 5. I have for the time being that one cut off

Is that for CIMB Thai? Seems a good rating as think most Thai banks are only BB.

I'm aware of that, but since deposit guarantee is only 1 million baht per bank now, I try to spread my savings over as many banks as possible.

Thanks, you have any links for that?

You are not in the Middle East anymore, you are in Thailand. Good try at deflecting, but no cigar for you

Thanks for explaining that you consider US$ a collector's item, as I know you are not an American

And the difference is???? Those US$ in that account were worth X amount of baht if you had exchanged them at that date, and they are now about 10% less

Now just calculate how many baht you had to pay for every $ in September, and how many baht you would get back if your account would determine today, and see how much of your 5% is left

As far as I'm aware, CIMB is a Malaysian bank operating in Thailand, now my question is how credible and reliable is this bank. I'm considering opening a 12 month senior fixed account with them, but I notice that in contrary to other Thai banks, they have increased the interest a few times already. If you opened this account in January, you would receive 1.7%, between February and September you would get 1.8%, and this month they pay 1.9%. Should this be a red flag? No need for comments that you get higher interests offshore or in other countries please.

Tell me if I have a problem. As explained, RCCB doesn't trip anymore, but I now started to test the 5 individual MCB's in the consumer unit. MCB 1 - I can't find power anywhere MCB 2 - every light switch - power socket - outside lights has power. MCB 3 - I can't find power anywhere MCB 4 - every light switch - power socket - outside lights has power. MCB 5 - every light switch - power socket - outside lights has power. Maybe MCB 1 and 3 individually power the water heater and cooking hood, not easy to check, but sure the other 3 MCB's should not each power everything. Where should I start?

So after the power was restored t 10pm yesterday, I started testing again today. There had been heavy rains all day yesterday, so surely plenty of water in the ground, and moist everywhere. Closed all MCB's in the MQ, then closed the MCB feeding the MQ in the main house board. No RCCB tripping. Opened all lights and everything else in the MQ, till no tripping. Started some heavy consumers on the same circuit in the main house, like pool pump with chlorinator and deep well pump, still no tripping. Lesson learned, I have to start a thread on this forum earlier if I want something fixed mysteriously.

Maybe that's the agenda behind the whole AI thing

I don't retain any details from past conversations. So Chatgpt is also a hardcore liar?