oldcpu

I believe this may be Krungsri bank branch specific and YMMV (your mileage may vary). My wife contacted our local branch of Krungsri. They stated there was no point to use Krungsri Biz online, as that too would have it online closed in the relatively near future. Frankly - I don't believe that. But according to what my wife was told by the Krungsri rep, it is Bank of Thailand recent policy for all banks to have their computer based online banking (ie access via laptop.desktop computer) to be closed, while banking via the bank's smartphone apps, will continue. Again, according to that (which as noted I am skeptical) ALL banks will be, sometime in the future, closing their online computer based banking (but not their smartphone banking). Did I say I was skeptical? Reference the age-71 limitation. She was advised that indeed those age-71 and older could not activate smartphone if activating a Krungri smartphone app for the first time. But she was also told existing users of the Krungsri app could continue using their app. My wife also claimed she she was told that for existing users, age-71 and older, moving their app from an old to a new phone would not be an issue - but here I don't yet believe my wife ... lol !! ... my wife was 'fuzzy' in her reply and my experience is when that occurs, she is making up her own answer as to what the bank actually stated. And I have learned from experience, that unless absolutely necessary, not to press my wife on such things. If i want to find out for certain the approach of the branch of Krungsri where I bank, I will likely have to go to the bank in person, find a good English language speaker, and ask myself. Anyway - I came away with the view point - that quite possibly different branches of Krungsri bank will have different policies on the details of this topic.

At the risk of beating a 'dead horse' in repeating what I have posted in the past, i had an issue where a bank in Canada froze my funds until I could provide a Thai tax-ID. Further at the same time in attempting to open a trading account in Canada, I was asked for a Thai tax ID. I actually applied (on line) for a Thai tax-ID (my wife did this for me as it was in Thai language), but that application (which goes to Bangkok) was then forwarded to the Phuket office who contacted me. Since they spoke in Thai my wife handled all the communications. Since I was remitting no money to Thailand, the local Revenue Department would not provide me a Thai tax-ID. They did note thou, that if they were to provide me a tax-ID, that my Thai pink-ID # (which comes from the Yellow Book #) could be my Thai tax ID ( if they activated it as a tax-ID ) . But they had not done so since I was remitting no money to Thailand. I then passed to the Canadian organisations my Thai Pink-ID #, with a written comment from me that it was not yet activated as a Thai tax ID per the Thai Revenue department decision. Those organisations accepted that. .

I know of those who obtained ( at Phuket Immigration) the certificate of residence on Visa exempt, and also on Type O. No previous 90 day report required. They obtained such a couple of days after their arrival in Thailand. Edit: I see now others noted where you encountered this arguably rogue behavior

Most banks will allow one to open a bank account on a 90-day type-O visa. As was pointed out, one merely needs to go to immigration and ask for a residence certificate letter. Typically such is valid for a week or so. One needs a passport sized image of themselves to pass to immigration and possibly a TM30 (or other document). Immigration produces the certificate letter and gives it to the expat (for some nominal small fee). With that immigration residence letter/certificate, and the type-O visa in one's passport, one can then open a Thai bank account in most banks. (For example, here is the Phuket Immigration volunteers webpage on that document: https://piv-phuket.com/residence-certificate/ ). Typically then, this means one needs to obtain a type-O or type-OA visa from one's home country first, in order to establish a bank account in Thailand. There was a time when bank accounts could be opened on a visa exempt status (by use of an agent) but that possibility may have been closed recently ( i am not certain there).

The purpose ? I don't know. But in Phuket back when I was on a Type-OA visa and changed to my permission to stay for reason of marriage, to reason of retirement, they advised me they would drop by to pay a visit. In the coming weeks they phoned me a couple times to make an appointment to drop by my condo, but each time they phoned i was out of province. In the end, they never showed up. Then years later when on a Type-O visa (for reason of retirement - for my 1-year extension of my permission to stay), instead they exchanged "Line" social media contacts with me, and did a Video chat with me, where they had me walk to me condo front door and position my phone so that they could see my face and my door #, and then walk to the front of the condo complex, where they could see the condo complex sign and my face (all at the same time). They told me they were doing screen captures when they had my face together with the background they wanted to see.

I don't know what Krungsri branch you deal with, but a few years ago (when on a type-O visa) when I opened a new Krungsri account they wanted proof of residence. In that case I provided my yellow book/ pink ID, but the branch manager also noted a letter/certificate of residence from local immigration would also have sufficed, Recently when I opened an account at SCB, because I am on an LTR visa, they (SCB) required a specific piece of paper work from BoI (Thailand Board of Investment) - specifically the "Notification of qualification endorsement for LTR Visa". That is unique to the LTR visa. I doubt most Krungsri branches will allow one to open account without such proof (such as a letter/certificate from immigration).

My view. 1. no appetite 2. no appetite 3. This might be accepted if you can prove the paper trail 4. For me it was 2 years of income tax returns, but others have stated 1 year. Frankly, I speculate it depends on the specific individual in BoI who is handling one's case. ie. no standard at BoI. TiT. 5. I have read of others who had regular income sources, but no need to file an income tax return in their foreign income sources country have simply provided their income proof. That strikes me as a more difficult route than showing a tax return, but I believe it doable. For example the German-Thai DTA states if one is a Thai resident, that Germany can not tax one's German pension (only Thailand can tax that pension) so its possible someone on a Type-O visa switching to a LTR, whose pension is from Germany, will have no recent German tax returns going back years. So instead they need to show BoI their annual letter from the German pension authority indicating what their annual pension income is. 6. Good question. I don't know. I avoided this by simply bringing no money into Thailand. I brought a lot into Thailand in previous years when I was not a Thai tax resident, and then when Thai ministerial directives Por-161/162 came out, I bought a bunch more savings (dating back decades) into Thailand prior to 1-Jan-2024.

As noted before, I am sorry to read of your timing issues with Wise. I hope you end up with a more satisfactory setup. In regards to what I highlighted in bold, I do not believe that by simply paying Thailand bills by direct transfers from outside of Thailand, you will be legally able to avoid such 'remitted money' being subject to consideration for taxation. It is still money that you are remitting to Thailand. I do thou concede, that by transferring money that way (direct to an organisation/company, as opposed into your account), you do complicate the government ability to track and understand the implications of the money transfer. However it is still money you are remitting to Thailand. I think in such a case you still should still maintain records (if you have the money outside of Thailand to support what I note) to show that the money you remit to Thailand to directly pay Thailand bills, is from pre-1-Jan-2024 savings. Best wishes in your efforts.

Better yet - I will repost. Its not long: With regard to declaring, I suspect only if you meet some conditions, where it only needs to be declared if: (1) you remit the interest to Thailand when a tax resident of Thailand and (2) your combined income with this remitted interest meets or exceeds the Thai threshold for income tax filing, and (3) you don't have an LTR visa. However i am no tax expert. As always, its best to double check and obtain better advise elsewhere.

I am saddened to read of those having issues with transfers of money into Thailand taking longer than they want. Why not keep a small amount in a Thailand bank as a 'buffer' ? Why all this last minute money transfer of money? ie have enough money in Thailand to pay 2 months worth of bills, and continually, every month, replenish that, such that buffer is always in place and only drops when there is a delay due to Wise or Revolut, or Swift, or how ever one does the transfer. Then the delay has far less impact. Yes - I know, one will not get as much interest, in a Thai bank , for that 2 months of financial margin (as a buffer) that one will get in a European or North American bank, but unless one has a MASSIVE monthly expense, we are not talking about a lot of money, nor a lot of interest. To me keeping some small amount of money in Thailand makes all of this concern about a 'timely transfer' go away. Anyway - best wishes and good luck to all trying to get the most out of how you time the transfers. i do hope this works out for the better. Again - good luck and best wishes.

I find that strange/interesting. Are you certain that is accurate? Granted I obtained my LTR-WP differently (I applied from within Thailand) but when I went to the BoI for my LTR visa, and they walked me over to Thailand immigration (on same floor as the BoI office), the Thai immigration wrote in Thai language, a statement DIRECTLY UNDER my Type-O visa stamp, that the Type-O visa (for reason of retirement) was no longer valid since I was on an LTR visa. It strikes me as either strange (or an immigration change in policy) that there was no such writing underneath your old Type-OA visa stamp. Like I stated - strange/interesting, and not my experience with my LTR-WP.

Back in 2020 I was under a Type-OA visa, and my understanding is .... once a person (like myself) is residing in Thailand on the Type-OA visa, in order to obtain the annual one year Extension, the health insurance needed to be from the Thai branch from a Health Insurance company. Now initially, before residing in Thailand, I suspect to initially obtain the Type-OA in the USA, you may be able to use health insurance obtained in the USA. That only works for the initial visa (I believe) But for subsequent years, after arriving in Thailand, for yearly extensions on your permission to stay in Thailand, you would need to obtain health insurance from the Thai branch of a health insurance. Dependent on your individual situation, that could be a bad thing, or it could make no difference. In my case, where I had excellent global insurance coverage from Europe, that health insurance was NOT accepted by Thai immigration for extensions of my permission to stay in Thailand, as it was not from the Thai branch of a health insurance company. The big advantage (I believe) to get from obtaining a Type-OA (or Type-O visa) from outside of Thailand, is it makes it easier upon arrival in Thailand to immediately open a Thai bank account. This Thai bank account is pretty much essential for any subsequent extensions of your permission to stay in Thailand. In fact, I recommend soon after establishing a Thai bank account, BEFORE you are classified as a Thai tax resident, that you immediately transfer the 800,000 THB equivalent to Thailand. Thai only taxes remitted income , and so that will be Thai tax exempt. Note once you are a Thai tax resident, any money you remit to Thailand needs to be considered and decided by you if it is assessable for Thailand taxation, or not assessable for Thailand taxation. Things like one's Visa type (LTR is tax exempt remitted income to Thailand) or the Double Tax Agreement between Thailand and the USA may affect what (if anything) you need to do in regards to taxation in Thailand. In general, in regards to whether going for a Type-OA or a Type-O, I recall the big advantage of the type-OA is if timed right, one can stretch almost 2 years out of that one-year visa. However its massive downside is its health insurance requirements. I suspect if you were masochistic and if you then dug through the many topics on this subject (of type-OA health insurance) you will read of many expats on a Type-OA visa, who after having established a Thai bank account, deliberately left Thailand without a re-entry permit, so to deliberately invalidate/cancel their type-OA visa, and who then re-entered Thailand Visa exempt, and who then immediately applied for a type-O visa (90 day) which has no health insurance requirements. After getting the 90-day type-O, they then applied for a 1-year extension of their permission to stay in Thailand on that Type-O visa (with no health insurance requirements). And of course they procured a re-entry permit with their type-O so not to invalidate/cancel it when leaving Thailand. By having a Type-O visa, one is then free to obtain health insurance from anywhere in the world, and not be compelled to purchase health insurance from the Thai branch of a health insurance company. (or on a Type-O have no health insurance - which i do not recommend) If you still have a Thailand bank account from 2019, then skip the entire idea of a Type-OA visa, and simply enter visa exempt and immediately go for the Type-O visa. .... Unless of course, you have your heart set on buying Health insurance from the Thai branch of a health insurance company, in which case, the Type-OA may be THE visa for you.

With regard to declaring, I suspect only if you meet some conditions, where it only needs to be declared if: (1 you remit the interest to Thailand when a tax resident of Thailand and (2) your combined income with this remitted interest meets or exceeds the Thai threshold for income tax filing, and (3) you don't have an LTR visa. However i am no tax expert. As always, its best to double check and obtain better advise elsewhere.

I agree with that. ... Although I add foreigner's buying condos in more than just tourist areas, has, in my opinion, driven up the condo pricing higher than it would otherwise be, making such more expensive for the average Thai. And yes, leave the tourist areas, and leave the big city areas where many foreigners reside, and prices drop. I do note thou that tourist areas are typically tourist areas due to something there being attractive to people. It can mean that Thai will pay higher prices in those areas (and locations close to those areas) if they also wish to participate / enjoy many of the 'attractions' due to the higher prices tourists will pay. Hence I still believe there needs to be a controlled balance. As you note some safeguards, such as foreigner's not legally being allowed to buy land, are in place, and condominium's having a 49% max foreigner purchase (of condo units) in place. I for one would be happy to see that 49% increased to 50% ... but as the saying goes, this is Thailand..

I have read at least one story of a way in which someone claimed they worked around such (to obtain an LTR visa), but it required some legal financial management/re-structuring that IMHO might cost more than the Thai Consulate NZ fee. What I recall is they set up a legal company (where such can nominally be setup I think for a few hundred (perhaps more? ) US$. That company's purpose is to provide advise to manage their ETFs, and as an employee (and director/CEO) of that company, every year the company pays them a dividend. The company has to have official minutes every year of the one annual meeting (attended by the one person - you ! ) where the first meeting records in the minutes that a dividend of ~$6,700 US$/month is paid to you. And have that amount every month transferred to your bank account. So the proof of this being a dividend are the minutes of meeting and the bank statement of the monthly deposits. Downsides to this are the company startup/registration costs, the annual cost to keep the company registered, the time taken to get 2 years (?) of dividend deposit records to satisfy Thai BoI, and potential New Zealand taxes if one sets up such a company. However there would be no Thai taxes on the dividends when remitted to Thailand, with an LTR visa. Still - perhaps the Thai Consulate NZ fee is cheaper ? Its unfortunate you don't already have a Thai bank account, and then you could simply enter Thailand visa exempt, and apply for a 90-day type-O visa as soon as you entered Thailand on the 30 or 60-day visa exempt status. As you note - consider an agent. I believe this is legal nominally - and in this case it is bank policy that you are using an agent to help over come. There was a time (and maybe still possible) you could do an EARLY trip to Thailand, and as soon as you arrive see if you can pay an agent to assist you to open a bank account in Thailand. I believe an agent will be massively less expensive than the Thai Consulate NZ fee. The issue (?) with an agent, is I read recently Thailand banks are cracking down on Bank accounts being inappropriately opened and i do not know if that has impacted the agent service for helping one to open an account when Visa exempt. Still you could consider that approach.

With respect ... IMHO, that's not entirely true. When large numbers of people from higher-income / wage countries stay in a less wealthy foreign country more-often / longer they can drive up prices such that locals can not afford local items. Hence there needs to be a controlled balance. That's not to say agents don't make a profit and not to say that government officials don't make money ... but rather its to put the overall statement more in perspective.

As was pointed out, if you can prove the money you have abroad, was earned prior to 1-Jan-2024, then you can bring the money into Thaliand via either method, tax free. The comparison then comes down to where is the most fee? is it the cost (admin/exchange-fee) of multiple ATM withdrawals or one large swift transfer. Why 1-Jan-2024? Because in year 2023, two Thai ministerial documents , Por-161 and 162 noted that any money in one's foreign accounts pre-1-Jan-2024 could be considered 'savings' and not taxable when remitted to Thailand. So what many of us did, was obtain an official bank statement of one's foreign savings as of 31-Dec-2023. And after that, keep a spreadsheet recording the money that one brings into Thailand, so to prove that the money remitted to Thailand is credibly from before 1-Jan-2024. In which case (if pre-Jan-2024) there is no Thai tax on that remitted to Thailand income. However if one is living from pay-check-to-pay-check and has no pre-1-Jan-2024 savings, this is all irrelevant. Note also, this likely applies to cash savings in one's foreign accounts and does not apply to pre-1-Jan-2024 equities or other holdings. I am also no tax expert, so its best to confirm such yourself.

As Hummin inferred, the exchange rate between currencies is a factor. One could get great interest abroad, but end up with a lot less money when the foreign currency is exchanged into Thai baht, due to an increase in Thai baht vs the foreign currency (or a global fall in the foreign currency). And the reverse is also true. One could make out really well due to a currency shift between Thai baht and one's foreign account. Like it or not, most of us as expats, who have a substantial amount of our money abroad, are in a limited fashion, 'playing the currency market' by the money we bring into Thailand. In all honesty, I don't know the best way forward. One could keep almost all their money abroad, and then if Thai baht assessed weak (and if no tax impact for remitting money to Thailand) bring a LOT of money to Thailand - enough to say to last for 5 or so years. The remainder and majority of one's money can remain abroad at a higher interest rate - until another opportunity of a weak Thai bah presents itself. Still , dependent on how long it is before currency fluctuations, that can also be a failed strategy. Clearly taxation is a factor here as well. Obviously, for those who live pay-check to pay-check, all of this is irrelevant. And as the saying goes - one pays their money and one take's their chances. I think it just important to keep in mind, exchange rates can be a factor, and it is not only about interest rates.

Interesting. I think Android 16 was released about 2 weeks ago. My 'old' Samsung A53 5G phone had Android-12 when it first came out, and the Krungsri app worked fine with the phone then. Samsung have subsequently pushed an update to Android-15 on my Samsung phone. Keeping one's phone up to date is one nice thing about Samsung phones. There are good security reasons for trying to stay with a current version of Android. Even thou Android is based on GNU/Linux, much of the inherent GNU/Linux security has been compromised/removed so to make Android more user friendly. The older Android versions have security holes and are more easily hacked. I understand its expensive to buy a new phone, and I also appreciate it is a major PIA to move to a new phone, but do keep in mind, even if another bank allows you use to use a mobile app on your phone (where Krungsri may not) it could be very well be that you are taking a risk by continuing to use that older phone with those bank's apps. The country of Thailand is not totally devoid of hackers. So I recommend, keep this in mind, and perhaps keep an eye out for a sale, where you may be able to upgrade to a newer phone. .... Do thou , take note if age-70 or older, this may (or may not) cause you a problem to change phones. I honestly do not know - and I am curious to read if anyone > age-70, since MARCH-2025 (this year) has successfully installed and had activated the Krungsri online app on their smartphone? .

I like to use Bangkok Bank for transferring money from Europe (or from Canada) to Thailand, via Wise. I don't live pay check to pay check (in fact its been pre-1-Jan-2024 since I last transferred money to Thailand). So having money show up in seconds is not important to me. However last I looked (pre-1-Jan-2024), Wise has limitations as to how much one can transfer to Thai banks, ... and one could transfer more via Bangkok Bank. Hence typically I would first transfer money into Bangkok Bank from abroad, and then once in Bangkok bank transfer to Krungsri. Again, this is NOT an approach for those who live from pay check to pay check. According to : https://wise.com/help/articles/2932335/guide-to-thb-transfers the only supported Thai banks by Wise are: Kasikorn Bank Krung Thai Bank Siam Commercial Bank CIMB Thai Bank Bank Of Ayudhya (Krungsri bank) Kiatnakin Phatra Bank and further, as already noted in this thread, the maximum amount that you can send per transfer depends on the recipient's bank. Recipient bank Maximum per transfer (THB) Bangkok Bank Public Company 2,000,000 Kasikorn Bank 2,000,000 Siam Commercial Bank 1,499,999 Other recipient banks 500,000 My recollection from pre-1-Jan-2024 is Krungsri had limits on the transfer amount compared to Bangkok bank that were even lower than 500,000 THB. Clearly thou, I am not up to date on this.

Krungsri updated the T&C for their app in February-2025, where upon they added the "not over age-70" clause. Typically, when T&C are updated, users are nominally notified and advised of a need to accept new T&C. I honestly can't recall if I was expected to agree with the new T&C on the Krungsri smartphone app, but like you I was skeptical until someone pointed out to me the new T&C that very very clearly state (in English language) those age-70 and over do not qualify for use of the Krungsri mobile app for smartphones.. So given, now that it is very clear (in the English language Krungsri T&C) that it says no Smartphone app use is nominally allowed for those whose age is >70 (the wording in the T&C is slightly different). Will they enforce this? I don't know. My speculation is that they will not enforce for users whose current phone has the app. My experience backs that up. But I also speculate they MAY enforce this as soon as a user switches to a new different phone with the app. I am nominally planning to buy a new phone in next couple of years (my Samsung Galaxy A53 5G is getting rather old) and I will then need to re-install the app. Possibly if I buy another Samsung smartphone, the Samsung app transfer process (from an old to a new Samsung) will mean the app moves over mostly seamlessly, but I suspect there still may need to be some interaction with Krungsri personnel at that time to activate on the new phone. And if that happens, an employee who knows their T&C (this is my speculation) may not allow me to proceed with the interaction to have the Krungsri app work with the new phone, since I will be (and I currently am) well over the age-of-70. Now having typed that, as I noted, my account with Krungsri is relatively substantial - so perhaps the branch manager may instruct their employee to 'look the other way' ... and perhaps not. And also... perhaps there is an English language issue (read further in this post) in the T&C. I don't think i am over thinking this. Again, I suspect I might encounter such when I move to a new phone, so I have NO experience on this yet. And in life, as much practical, I also prefer to be forewarned in advance. Where I am curious, has ANYONE since March-2025, who is older than age-70, successfully installed a new Krungsri mobile app and managed to get the Bank to activate it? And if successful, was your bank account with Krungsri 'substantial' or just a relatively small amount? My Thai wife, looking at the Thai wording of the T&C, believes the T&C in that (over age-70 not allowed) may apply to a Krungri bank account that one can open without actually showing up on the bank (specific to Thai citizens only) - and NOT apply to my bank accounts. But she also concedes she does not know, and because of the uncertainty, until now I have elected not to share that the T&C wording may be account specific (as it also may apply to all on-line accounts via the mobile app). Obviously, I am very curious to learn. I also have Bangkok Bank and SCB accounts, and in future, I may use those for my money transfers instead.

You have seen the T&C. It's not nonsense. Whether Krungsri proceed to follow their own T&C is something that I can't predict. I am age 71v and I sm still using their online smartphone app regularly. However when I go to replace this smartphone I suspect I could have issues due to the Krungsri T&C. My hope is given my account with Krungsri is relatively substantial that they will ignore their published T&C. But I don't know . I posted what this could mean. Believe it or not. Frankly I don't care if you disbelieve.

I have a Krungsri account. Many of the current concerns is them stopping their computer online browser login service, and hence requiring one to use a smartphone for all transactions. However they also have a constraint in their smartphone online app T&C that those older than age-70 are not allowed to activate a new online app on their phone with Krungsri (I may have the wording not precise). Which means those > age-70 with Krungsri are back to using cash transactions, like the old days ... or go to the bank to have bank-to-bank transfers made. Like the old days. .

No. You just failed to read. My point has always been about you talking about and you going for a NEEDLESS TAX CLEARANCE CERTIFICATE. No. I never posted about expats needing to get a Tax Clearance Certificate. The MOST that I posted about a Tax Clearance certificate was that it is ON the books (for a different purpose) and if Thailand wanted to, they could bring such a measure into play. However i also noted the Thai government thought such a PIA and hence I did not, and I do not, believe they will bring such into play. Stating forum members should consider their own tax situation is NOT a contradiction. Not in the slightest. You simply can not read or you like to make up imaginary viewpoint to debate from, since you can't debate the actual view points stated. Do they? If their pensions from abroad are civil service or military, per most DTAs they can not be taxed by Thailand, which per Royal Decree means they are exempt Thailand tax for such pensions, and hence exempt the Thai tax calculation, which means they are not to be considered as assessable income when reviewing the Thai calculation. Further, if their pension is from years prior and as of 1-Jan-2024 was prior year savings, per Por.161.162 any such remitted income is exempt from Thailand tax, and hence exempt the Thai tax calculation, which means they are not to be considered as assessable income when reviewing the Thai calculation. Further, if the DTA (like Canada's DTA with Thailand) states only Canada (and NOT Thailand) can tax Canadian sourced pension, then per Royal Decree means they are exempt Thailand tax for such pensions, and hence exempt the Thai tax calculation, which means they are not to be considered as assessable income when reviewing the Thai calculation. Show me your references for demographics. I have read the Royal Decree, I have read a number of DTAs, and I have read some of the Ministerial Directives/Instructions, ... and note they mean MANY, ... MANY, ok ?? MANY expat's remitted income is exempt Thai tax and not to be included in considering the assessable income threshold. To a large extent it depends on individual DTAs which expats should famiiarize themselves with in regards to the source country of their remitted income. No. My "aged" Canadian pension(s) are not taxable by Thailand per the Thai-Canada DTA. My civil service European pension is from working in Germany where German civil service pension is, to the best of my knowledge, not taxable by Thailand. No it is not irrelevant. It is very relevant with timing being important. As a non-resident to Thailand, I brought a LOT of money into Thailand prior to 2019 when I only became a Thai tax resident in 2020. I have been living off of the pre-year 2020 money ever since. Also , for myself, NO REMITTED money brought in to Thailand after 31-Dec-2023. I also have an LTR-WP visa, but I have not had to use that for any taxation exemption aspects as of yet. And I have relevant DTAs which exempt me from Thailand taxation. Thailand talks of a lot of things. Don't they. ok? Thailand are also talking of stopping taxation on remitted income for a while. Will they? Or is it just talk? ok ? Did I say Thailand talks of a lot of things? I think i did. Nonsense. If you want to see real scaremongering, look in the mirror while you read your own posts. Absolutely !! Which why I have stated MANY times expats should be familiar with the DTAs of their source income country with Thailand. For example, in my case, also familiar with the Thai-German DTA. Clear enough for me. Obviously its not clear for you, ... ... as you fail to put a big qualification every time you post about Tax Clearance Certificates, ... you totally fail to note that there is NO TALK, NONE, NADDA, by the Thai government , for the Thai government possibly re-introducing the Tax Clearance Certificate. NO TALK. NONE. NADDA. Further, if I read your posts correctly, you paid money so to get a Tax Clearance Certificate when NONE was required. Absolutely NONE required. Good job! lol !! lol !! lol !!!!!!! Covered needlessly. I think that should be clear to ALL on the forum, except for 1 person. That person is you. I don't know how many. Nor do I claim to know how many. I do know many expats, likely myself, who through either their income source (DTAs with Thailand), or their living off of pre-1-Jan-2024 savings remittances to Thailand, or who are living off of money brought into Thailand when a non-resident, have no income that qualifies as being assessable in Thailand. The biggest group (of those that I noted in the previous paragraph) have DTAs which cover them from a tax threshold (to file) perspective. Clearly we won't agree on this. Your paranoia drove you to ask for a Tax Clearance Certificate (when such not necessary) and then you proceeded to post multiple times how that was important. There is no talk about such Tax Clearance Certificate being necessary by the Thai government but that has not deterred you. There is likely not much point in us pursuing this. Do you really believe many on this forum will believe your paranoia about needing a Tax Clearance certificate? .

Further to this, for the moment I will stick with Krungsri, but i can see i am a bit on "thin ice" here, with my being age-71, my use of the online app is in jeopardy. Likely I will change my banking soon in regards to Krungsri. Given I like to pay most of my purchase in Thailand by smartphone online money transfer (from Krungsri), I may switch to using my Bangkok Bank account, or my SCB account for such in the future, where they both have smartphone apps. I am also tempted to simply close my Krungsri account (where I have finances sufficient to give me Krungsri Exclusive status) and move all my funds in Krungsri account instead to KBank. With that amount in KBank I can then obtain unlimited (outside of Thailand) Priority Pass (airport lounge access) or alternatively in Kbank obtain once/day gym access to certain health clubs across Thailand, where Phuket' Alpha Fitness club (which I visit about 6 times per month) qualifies for that. I've been happy with Krungsri bank to date, ... but I really do use the smartphone banking app regularly, so it appears Krungsri may no longer be the best bank for myself for such use.