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Termites ruin million-baht cash in safe, woman says

A woman has warned against assuming a home safe will protect cash from every risk after termites destroyed banknotes she had set aside for house payments.

Facebook user Nanny Irin shared her experience on July 16, saying the money had been stored in the safe for less than a month before she found it badly damaged. The cash total, was reportedly over a million baht.

"Sometimes we think keeping money in a safe is safe," she wrote. "Safe from thieves, but not safe from termites."

Money was for house instalments

Nanny Irin said the cash was not money that had been forgotten or left untouched for a long period. She had opened the safe less than a month earlier.

The money had been separated specifically for house payments, and she said she would regularly take some out to pay the instalments. She said she had never intended to leave it stored away indefinitely.

IMG_7648.jpeg

However, she said she had no idea when termites had entered the safe and damaged the notes.

She posted the account as a record of what she described as a painful experience and a warning to others who keep large amounts of cash at home.

Bank exchange will not cover full loss

According to her post, a bank told her that the damaged notes could be exchanged. However, she said the amount she would receive would not equal the original total value of the cash, as some notes were too far damaged and destroyed.

She also said the process would involve a lengthy wait, adding to the frustration of losing part of money that had been earmarked for her home.

The case is a reminder that a safe can help guard against theft but may not protect paper currency from moisture, pests or other environmental damage. Termites can reach areas that appear secure, particularly where they are able to access timber, walls or flooring around a property.

Anyone holding substantial amounts of banknotes should also remember that severely damaged notes may need to be assessed before they can be exchanged. As Nanny Irin's experience shows, even where an exchange is possible, it may not result in the full original value being recovered.

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Pictures courtesy of Nanny Irin/Facebook

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19 July 2026

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ikke1959 Diamond Member

ikke1959

Advanced Member

A million for house payments??? wondering what job she has and how she can have so much money. As she regularly took some money she could have noticed that the insects were inside i believe...

Gottfrid Star Member

Gottfrid

Advanced Member

Just think it´s a bit crazy. She don´t seem to be happy over the possibility to change. To me it looks like she almost has 400k of changeable notes in the image. Better with something than nothing, right?

Sir Dude Gold Member

Sir Dude

Advanced Member

Storing money like this requires it to be wrapped in plastic or in an air-tight zip plastic bag... noob error for stashing cash.

LivingNThailand Silver Member

LivingNThailand

Advanced Member
26 minutes ago, Sir Dude said:

Storing money like this requires it to be wrapped in plastic or in an air-tight zip plastic bag... noob error for stashing cash.

Should have watched the TV series Ozark. They had an insane system for storing their money laundering cash. I think they even had the kids help them. Too much bother for me. 🤣

unblocktheplanet Star Member

unblocktheplanet

Advanced Member

We came home from travel one year only to have a full window drop out into the garden because the frame had been eaten. Exterminators are a good investment!

I've always preferred Bank of Sealy since the banks started offering that princely 0.0045%. No termites in bed!

NemoH Advanced Member

NemoH

Member
(edited)

strange ... first - what type of safe did she use? Not very 'safe' by the looks of it... hahahaha.

Second - her house must be infested by termites by the looks of things.... and she did not do anything?

Must be in up country of some humid filled moo baans

Edited by NemoH

newbee2022 Star Member

newbee2022

Advanced Member
On 7/19/2026 at 5:33 AM, ikke1959 said:

A million for house payments??? wondering what job she has and how she can have so much money. As she regularly took some money she could have noticed that the insects were inside i believe...

I think you should contact her and ask all your interesting questions🤡

parallelman Silver Member

parallelman

Advanced Member
On 7/19/2026 at 6:53 AM, simon43 said:

Termites can chew up 'edibles' with no visible evidence from the outside. I climbed a sturdy wooden ladder in Laos a few years ago, only to have it 'disintegrate' under me, due to termites having had a feast of the internal wood. Several broken ribs, cracked cheekbone and relief at still actually being alive, after falling onto concrete from 4 metres up....... Bast ards!!

A few years ago when my Thai wife and I were asleep we awoke to loud crash. It was the befroom wardrobe. They had nibbled there way through one side support. I gusess were lucky because had it been the front, the wardrobe would have fallen down on our feet.

Celsius Diamond Member

Celsius

Members

Turned into a confetti.

Safe my ass

SiSePuede419 Ruby Member

SiSePuede419

Advanced Member

the money had been stored in the safe for less than a month before...According to her post, a bank told her ...

On 7/19/2026 at 5:06 AM, Georgealbert said:

IMG_7648.jpeg

Weird. They have BANKS in Thailand with termite free safes, apparently.

That's news to her.

Peterphuket Platinum Member

Peterphuket

Advanced Member
16 hours ago, Liverpool Lou said:

Why? The tone of your comment suggests that she shouldn't have savings or earnings, what's your basis for that?

He came to think that way because of the country he comes from there, they try to seize every cent you have. If a bank there has to process a transaction of 300 euros or more where the recipient is unknown, this must be reported to the authorities.

Front Row Silver Member

Front Row

Advanced Member

Next time try gold?

Bday Prang Star Member

Bday Prang

Advanced Member
(edited)
On 7/19/2026 at 5:06 AM, Georgealbert said:

According to her post, a bank told her that the damaged notes could be exchanged. However, she said the amount she would receive would not equal the original total value of the cash, as some notes were too far damaged and destroyed.

On 7/19/2026 at 5:06 AM, Georgealbert said:

even where an exchange is possible, it may not result in the full original value being recovered.

Now that's the bit I can't get my head around, if they accept that the damaged piece of paper you present them was indeed a 1000bt note, and presumably that means the serial number needs to be readable, how can they possibly offer less than the face value of the note? I would have expected any reimbursement to be on an "all or nothing" basis

Edited by Bday Prang

giants49 Explorer Member

giants49

Member

Well that sucks. How did freaking termites get into their safe?

thaibreaker Gold Member

thaibreaker

Advanced Member
2 hours ago, Front Row said:

Next time try gold?

You haven't watched The Italian Job?

Nothing is safe (pun intended).

Taboo2 Gold Member

Taboo2

Advanced Member

The termites were over heard saying "can you believe these dumb mofos left us all this food, and it is so rich in taste"....55555.

Taboo2 Gold Member

Taboo2

Advanced Member
1 hour ago, giants49 said:

Well that sucks. How did freaking termites get into their safe?

Insects& Entomology

They walked in as usual.

Liverpool Lou Star Member

Liverpool Lou

Advanced Member
4 hours ago, Front Row said:

Next time try gold?

She could make her mortgage repayments in gold?

Liverpool Lou Star Member

Liverpool Lou

Advanced Member
3 hours ago, Bday Prang said:

Now that's the bit I can't get my head around, if they accept that the damaged piece of paper you present them was indeed a 1000bt note, and presumably that means the serial number needs to be readable, how can they possibly offer less than the face value of the note? I would have expected any reimbursement to be on an "all or nothing" basis

Because some of the notes were destroyed and were not replaceable, some were so, on average, she gets less than she wanted as the bank rejected some of them.

Liverpool Lou Star Member

Liverpool Lou

Advanced Member
1 hour ago, giants49 said:

Well that sucks. How did freaking termites get into their safe?

Maybe there were a couple on the notes she put into the safe, maybe some flew in when the door was open.

fredwiggy Star Member

fredwiggy

Advanced Member
5 hours ago, parallelman said:
On 7/19/2026 at 6:53 AM, simon43 said:

Termites can chew up 'edibles' with no visible evidence from the outside. I climbed a sturdy wooden ladder in Laos a few years ago, only to have it 'disintegrate' under me, due to termites having had a feast of the internal wood. Several broken ribs, cracked cheekbone and relief at still actually being alive, after falling onto concrete from 4 metres up....... Bast ards!!

Never understood the usage of wooden ladders. I don't feel safe on metal ones let alone wood that can weather and like what happened to you, termites. Termites are bad here, and those who use wood for houses are asking for trouble. My English school friend had them eat a whole ceiling away in a classroom. Nasty creatures.

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