ianguygil

Without getting too deep into this

This is not illegal I think. But this does break the terms of service and you would have no protections or sympathies at all if you lost any money or your account or your identity was compromised/ So this is a VERY bad idea indeed

What would make sense if you trust this person would be to transfer some funds to be via PromptPay and to have her take the money out of her account. In this way neither of you will breaking the terms of service and this is clean and tidy.

I am very sorry to hear about your mobility problem and I do understand. Last year I broke my ankle while hiking and I had a couple of months when my mobility was affected. So while I understand I strongly recommend against sharing your card and your PIN. 

There are 2 sides to this

Firstly as noted the issuer of the ATM card may (will) have limits which are probably managed by you via Mobile or Internet Banking

Secondly the ATM machines have a physical limitation of how many bills they can dispense at once. So for us and for most banks that is 25 bills which means the maximum per transaction is 25,000 THB (25 x 1000 Baht bills)

I was explaining this

"

I went down to Asoke branch , they really couldn't even get by the 1st one where it talks about a PIN change.

(is it the case, that one goes to an ATM and at the ATM creates a new PIN, then next time they try to logon to the website they must create a new pw, eg an ATM is required to be given the ability to change passwords? "You will be given a PIN (personal identification number) which must be changed when you first log on and then you can change your password whenever you like. No one, including our staff will be able to access it."

Just really quickly to note

We give you a temporary password and we force you to change it so that only you know your password. Until you change it we "know it" too even though it is sent in a sealed envelope.

Once you change it we never store the actual password only you know it - we store the "Hash" - i.e. the result of a 1-way encryption (in simple terms).

When you enter your password at logon we compare the Hash of that stored with the Hash of that entered. In this way your password can never be "stolen". And using Hashing you cannot go "backwards" from the stored Hash to the Password, wheras with Encryption (2-way) you can Decrypt. 

Just to explain the "why" so things do not remain a mystery. 

There is also the TRANSFER Icon on the landing page. The one most to the left under Quick Banking

18 minutes ago, Mavideol said:

I didn't complain about it, was simply explaining the process

I didn't say you were complaining. Just explained the facts/. 

On 6/8/2024 at 12:48 PM, Mavideol said:

Bangkok bank Only allow you to use 1 device for mobile banking, maybe SCB allows more than 1, I don't know as I don't work with SCB, what I know is that Bangkok bank needs to remove your old device EID number from their service, after that they will activate the new device with new EID number.... but you can keep listening to some BS from somebody pretending to know or do as I did and go to the branch to complete the set-up, up to you

 

there was a forum about that here ....   Bangkok Bank app PITA setup when using a new phone

 

 

 

We are complying with a central bank requirement (BOT) to restrict it to 1 device. Before this ruling we allowed up to 5. I can't speak for SCB. 

I work for Bangkok Bank. How do you know what our reason is?

22 hours ago, bamnutsak said:

I had problems when I tried to enable a NEW phone.

 

The first step (now, step one of three) involves entering your passport number and DoB.

 

Message:

 

Unable to proceed

 

Your identity information at the bank is no longer up to date.

 

Please bring your citizen ID card or passport to any Bangkok Bank branch and contact our staff. (RA02).

 

 

Off to the branch tomorrow to verify if my current passport is registered.

 

 

FWIW, for the SCB Easy app it took ~ 90 seconds to enable on the new phone.

 

 

 

 

It may be that your information at Bangkok Bank was expired whereas your data at SCB had not. It depends on when you did each of them. Comes down to the old Causation v Association when understanding any problem. 

We are just complying with the regulations which is not optional. 

On 5/30/2024 at 6:48 PM, thainet said:

Less than Android 8 was back in the Stone age.

Just to be clear, we often have to "sunset" a version of ANDROID (and less often iOS) based on known security defects or on the lack of support for a newer technology. Other drivers which are less important are the number of users on a particular version, because the testing of new functions and the regression testing of old functions, while automated, is time consuming. Most people update their phones every 2-3 years so this normally affects a very small number of people (the sunset of an older version of ANDROID). 

On 5/30/2024 at 11:54 PM, Mike Lister said:

I receive US SSc direct to Bangkok Bank and there are no restrictions for me and I make transfers every month. I have read that there are certain types of accounts at BB where US SSc payments can only be transacted over the counter but I can't remember why. It's an anti-fraud measure of some type. I'm sorry I can't be more helpful, perhaps others can add some more words to what I tried to describe.

As Mike correctly says, there are some circumstances and some accounts where the US SSA requires us to have the person turn up to ensure they are not dead and to prevent other fraud. Honestly I don't have the detail on this, and I can get somebody to give an explanation that I can point to here. However, please note that we are the only Thai bank will a banking license in the USA and the only Thai bank authorized to process such payments straight-through without any manual intervention. And as both a moral and ethical bank we adhere to all regulations. There is no "wiggle room" with us on this which is how we intend to be. 

So please do contact me as Mike says below if you need help. I am already dealing with Barry via my official Bank email - which I will not post here. If you want to contact me please do so initially via PM

Thanks, Mike. 

Ian

19 hours ago, Caldera said:

 

Well, the OP just pointed out something that I'd consider a major disadvantage: Thailand gets millions of tourists per year who can't participate in PromptPay, because they can't get a Thai bank account.

 

Nothing to do with evading the authorities.

Tourists can use cash or card at those few vendors who won't receive cash - like STARBUCKS - they can use a card. Even for small amounts. No country would base their decision on a strategy like trying to formalize the economy on the needs of tourists - even if a major sources of FX revenue. You can just see the huge acceptance and growth in the use of QR Codes by the Thai public to see how popular this is. We see 40% annual increase in volumes with a combination of both more customers and even more markedly each customer using the system more frequently each day largely for QR based payments.

I would predict that QR will be replaced by some national or international contactless solution similar to APPLEPAY or GOOGLEPAY but without the exorbitant fees involved. Again, QR in Thailand is free. And (almost) every phone has a camera. 

I would note that there are many more stores in the UK and in the USA who do not accept cash than there are in Thailand. QR is largely offered and embraced as an option with cash still welcome. In the UK that is not true 

Please see this thread. I helped RrtiredThailand. If you need to move a large amount - in the millions of Baht - we can give you a special rate. And as I said I have helped many people on this forum over the years. So PM me if you need to move a large amount. A few hundred thousand Baht will not qualify. This is like buying Wholesale and not Retail.

6 minutes ago, RetiredThailand said:

Thank you so much Ian much appreciated 🙂 Im estimating I would need to transfer around 6Million Baht to Thailand to build a home

Then you should get an FX contract from us and a better rate. PM me please and I will give you my email (please do not share) and then somebody from in the GPS group will deal with you. Thanks

Please give a rough idea of the amount that you plan to move. If this is over about $60,000 USD, you are better to negotiate an FX rate with us (Bangkok Bank) in Thailand. It is like buying Wholesale v Retail. Then when you send the funds it will refer to this FX arrangement and you will get that rate. But it does need to be above an certain fixed amount. Building a house varies widely in cost and I have no idea of the amount involved.

If you go to a branch or to our HQ on the 2nd floor you can ask them for details. This is not complex.

PM me if you want more details and I an refer you to the Global Payments group who will deal with you directly. Thanks

It is NEVER beneficial to move a foreign currency to THB offshore in a developed country (maybe ok in Myanmar, Lao or Cambodia)

Ian