Which bank has the best current account

[essex boys]

Hi all, I have a savings account with Bangkok bank this holds the money for my visa etc, im looking for a current account to put money in just for everyday expenses, having looked on the various banks web sites there doesn’t seem to be much difference between them, anyone have a suggestion on what might be the best bank? Also looking at getting a credit card which bank is better or easier to get a credit card from

[Upnotover]

A current account has a cheque book.  I don't think you want that.  You just want another savings account.  I use Kasikorn, 1 account for immigration, 1 for daily use.  Are you working?  You'll need to be to get a real credit card, otherwise the best offer will likely be a card with a limit dictated by a locked deposit amount.

[yosib157]

I have used what is now ttb (previously Siam City and Thanachart) for more than 20 years. 4 years ago they gave me a free card which I can use in any bank ATM, pay online, transfer money and every service is totally free of charge. As the previous member wrote, it is essentially a Savings Account. Their online banking is also great sending all the information you need.

Mine is due for renewal next year and I'm hoping to get an identical replacement.

[Equatorial]

1 hour ago, essex boys said:

im looking for a current account

 

I agree with @Upnotover - in Thailand, people use savings accounts for what we would typically use a "current" or a "checking" account. Over here, only businesses use current account and write checks. 

 

In terms of quality, they are all pretty much the same, at least that's my impression. If they offer interest on the balance, it's not much.

 

What I look for is the quality of the banking app. I only have experience with Bangkok Bank and SCB; BB's app is poorly designed, and there are still some things I haven't figured out how to do. SCB has a much better app with more functionality and flexibility. 

[essex boys]

Hi all, thanks for the replies and good information, the situation I have is I have a Bangkok bank account but the card I have I can’t use to shop online or make contacless transactions in a shop by touching my card on the reader, what normally happens when I’m trying to order grab or buy from lazada etc is they ask for my CCV number when I enter it it gets rejected or I get a message saying incorrect CCV it’s as if some functions of my card have not been enabled by the bank….looks like I will have to contact the bank by going into a branch to sort it out

[Equatorial]

Using your Bangkok Bank app, look at the ATM card settings. Bangkok Bank (as well as other banks) allows you to enable/disable not just the card as a whole, but specific types of transactions (e.g. international, online, etc.) and also to set limits. My guess is some of those settings are disabled and that is interfering with what you're trying to do. 

[Caiman]

Proximity of ATMS to home etc. may also be something worth considering!

[howerde]

With reference to a credit card i have always been turned down, they have all said need a work permit, i have tried for the last 10 years, lol  i still ask occasionally

[richard_smith237]

4 hours ago, essex boys said:

Hi all, I have a savings account with Bangkok bank this holds the money for my visa etc, im looking for a current account to put money in just for everyday expenses, having looked on the various banks web sites there doesn’t seem to be much difference between them, anyone have a suggestion on what might be the best bank? Also looking at getting a credit card which bank is better or easier to get a credit card from

 

Just open a second account with BKK Bank...  One for 'Visa holdings' the other to use.

 

Keeps things simple.

 

 

[essex boys]

@Equatorial, many thanks for your advice regarding card management on the app, I had a look through and just noticed that the prompt to ‘ activate debit card ‘ is greyed out so I can’t select it, looks like I need a trip to my branch to sort it out.

many thanks for your help