Kbank: if you use their web banking (on a PC) (they call it K Biz) they will send you an OTP for every single transaction.
Bangkok Bank doesn't do that, but they will send you an OTP in a variety of situations (eg if you want to add a new payee to the payees' list)
Would not go anywhere near Pattaya or Phuket. They have a shocking image and reputation of brawls, drunkenness, accidents,mental strife, extreme behaviour. Kind of like the
Wild West must have been. That's may construction from all the stuff appearing on news sites. Maybe they are not the wild west.
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