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BKK Bank 4 months banked method??

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54 minutes ago, trucking said:

I used to keep the 400,000 in the bank most of the year.  Then I asked the bank if my wife would have access to my account if I were to die

You need a Thai WILL. 

Don't listen to suggestions of wife/partner using your ATM to transfer funds etc. 

That includes any statements from bank staff. 

 

Slightly different to your situation as I'm not married however have Thai partner and my extensions tie up a lot more (800k) 

 

A way around this is to use income method. 

So just of week ago I have changed to monthly transfers of 65k + 

As soon as that money hits my account it's transfered into Thai partnees account. 

 

As a result minimal balance in my bank account. 

No probate concerns. No time lapse for wife/partner to get access to funds. 

Not to mention (especially in case of retirement) no large sum of money wasting opportunity cost while parked in a Thai bank 

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  • Liquorice
    Liquorice

    There is a much bigger picture to all of this if you've been reading and watching current news over the last 3 months.   There was the issue of the 'call centre' scams operating in Myanmar a

  • Equatorial
    Equatorial

    It is completely irrelevant what they have to say on this topic. It's the IO that enforces the immigration rules, not the bank. 

  • FritsSikkink
    FritsSikkink

    Looks like they had enough of the agents fiddling money around.

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15 hours ago, Paulaew said:

Just leave your wife your ATM card and PIN. She'll have those funds spent long before the bank figures out you're dead.

 

Paul Laew

If the funds are in a Bangkok Bank fixed account you are not able to obtain an ATM card for the account.

On 10/3/2025 at 5:57 PM, BritManToo said:

Starts from the day you get the letter.

This was in Chiang Mai.

Obviously the money had been in the bank for the required 2 months before extension application.

If the 400k is in the bank 4 months or more before requesting the letter for immigration, there are no issues and the funds can be used as normal after the under consideration period from immigration is over, correct?

16 minutes ago, Burgo1979 said:

If the 400k is in the bank 4 months or more before requesting the letter for immigration, there are no issues and the funds can be used as normal after the under consideration period from immigration is over, correct?

Correct.

If said 400K has been in the bank for 4 months prior to requesting the Immigration letter, then the account is not frozen.

Always recommended waiting until the extension application is approved before withdrawing any funds.

17 minutes ago, Liquorice said:

Correct.

If said 400K has been in the bank for 4 months prior to requesting the Immigration letter, then the account is not frozen.

Always recommended waiting until the extension application is approved before withdrawing any funds.

Not required for marriage extension,

Requirements are 400kbht in bank account for 2 months before day of application for extension. You can spend it all the moment the under consideration is stamped in your passport. But obviously not if you're using Bangkok bank who will likely illegally hold your money for another 4 months.

2 minutes ago, BritManToo said:

But obviously not if you're using Bangkok bank who will likely illegally hold your money for another 4 months.

Have read couple reports the 400k frozen for 4 months starting date of issue of the  Bank Letter. 

Regardless of how long funds were in the account. 

4 minutes ago, BritManToo said:

Not required for marriage extension,

Requirements are 400kbht in bank account for 2 months before day of application for extension. You can spend it all the moment the under consideration is stamped in your passport. But obviously not if you're using Bangkok bank who will likely illegally hold your money for another 4 months.

Thanks. I am using Bangkok Bank. So if my funds for my extension are in 4 months before i apply, i can use the funds as normal?, i always wait until i have my final stamp just in case. The only issue i will have is if my funds have only been in for 4 months or less, correct?

1 minute ago, Burgo1979 said:

Thanks. I am using Bangkok Bank. So if my funds for my extension are in 4 months before i apply, i can use the funds as normal?, i always wait until i have my final stamp just in case. The only issue i will have is if my funds have only been in for 4 months or less, correct?

Bangkok bank makes it's own random rules.

Be prepared for them holding your 400k for 4 months from issuing the ban letter, as @DrJack54 just posted.

Just now, BritManToo said:

Bangkok bank makes it's own random rules.

Be prepared for them holding your 400k for 4 months from issuing the ban letter, as @DrJack54 just posted.

Even if i've had the 400k in my bank for 4 months or more before i request a letter?

Just now, DrJack54 said:

Yes. 

Obviously expect to get mixed reports. Some BBL branches may interrupt it differently. 

Thanks. Luckily my extension isn't due to April, so i will pop in and ask them.

2 minutes ago, Burgo1979 said:

Thanks. Luckily my extension isn't due to April, so i will pop in and ask them.

Go one better. Ditch useless behavior by bank and open new account with 400k +.Kasikorn one option however note they have closed branch at CW. 

10 minutes ago, DrJack54 said:

Go one better. Ditch useless behavior by bank and open new account with 400k +.Kasikorn one option however note they have closed branch at CW. 

I'll see what they say. To be honest i've used BB for 10 years or more without issue. Hopefully they don't freeze it after i get the letter if my funds have been in for 4 months prior, however if there's no benefit in keeping funds in there for 4 months prior and they are going to freeze it after anyway then it could be an issue. Has anybody on here actually had their funds frozen for 4 month after even though they were in 4 months prior?, be interesting if anyone could give some feedback.

12 minutes ago, Burgo1979 said:

I'll see what they say. 

It doesn't matter what they say.  You're going to be asking them a question about something that won't be happening for at least 5 months.  Whatever they tell you now is irrelevant, and that's if they even tell you the truth.  You can't trust anything Bangkok Bank tells you at the moment because they are straight up lying to some people and/or changing policies week to week in some cases.

12 minutes ago, Burgo1979 said:

Hopefully they don't freeze it after i get the letter if my funds have been in for 4 months prior, however if there's no benefit in keeping funds in there for 4 months prior and they are going to freeze it after anyway then it could be an issue.

Here is one cut/paste......

 

On 10/3/2025 at 5:20 PM, DrJack54 said:

So the 4 months rogue freeze starts from when bank letter was provided or from when the balance was at least 400k.

 

Was this BBL bank in Pattaya or elsewhere

 

Starts from the day you get the letter.

This was in Chiang Mai.

Obviously the money had been in the bank for the required 2 months before extension application."

5 minutes ago, DrJack54 said:

Here is one cut/paste......

 

On 10/3/2025 at 5:20 PM, DrJack54 said:

So the 4 months rogue freeze starts from when bank letter was provided or from when the balance was at least 400k.

 

Was this BBL bank in Pattaya or elsewhere

 

Starts from the day you get the letter.

This was in Chiang Mai.

Obviously the money had been in the bank for the required 2 months before extension application."

Yes, that was a post an hour ago, but the poster states that the money had been in the bank 2 months before application, not 4. What i am looking for is evidence of anybody who has tried to think ahead and put the funds in 4 months or more before asking for letter for extension, BUT also then had their funds frozen for 4 months AFTER getting the letter. So 8 monthe in total...surely they cant do that??

6 minutes ago, BrandonJT said:

It doesn't matter what they say.  You're going to be asking them a question about something that won't be happening for at least 5 months.  Whatever they tell you now is irrelevant, and that's if they even tell you the truth.  You can't trust anything Bangkok Bank tells you at the moment because they are straight up lying to some people and/or changing policies week to week in some cases.

Not really, as if i put my funds in 4 months before April, it's only 2 months away, as funds would need to be in by December

3 hours ago, Burgo1979 said:

Not really, as if i put my funds in 4 months before April, it's only 2 months away, as funds would need to be in by December

I use a 12 month FTD account with 400K + in all year round.

The letter was issued no problem, without the need to freeze the account.

 

BBK3.jpg.b3938051b41724369294b87b67e4ca7b.jpg.0a8f0bac8a9ee6ed45d74f3e6cd44d53.jpg

So I did my extension based on marriage today. Got 99% of my ducks in a row and easiest application for years.

 

To offer hope to others making their application in the coming weeks ,  my 400,000 has not been frozen and I was not asked to sign anything about agreeing to such a freeze. The bank was nice and empty at 9.30 am and when I applied I did not mention  I wanted the letter for immigration. Didn't mention immigration at all. To clarify what I wanted ,  I just asked for a 6 month statement notified  separately by a member of staff. I also showed them a copy of the letter they had given me last year and requested it be exactly the same. They asked for my passport to make a copy of info page and current visa.  30 minutes later they gave me the letter for the usual charge of 200 baht

 

The previous day I had got the Kor Ror Sor 2 updated making sure to go at 3.pm and miss the crowds. Office was empty and served straight away.

 

Got to immigration today ( also empty ) and was done in 50 minutes despite all the paper signing ( more than 70 pages in total )

 

They said it had been very busy the day before so good timing.

 

All done for another year and hope this illustrates that not all Bangkok Bank branches are demanding to freeze funds before providing the required letter.

 

The only duck I missed was having an STM 9 form prepared. This was not asked for last year and was new to me.

 

https://www.diald.nu.ac.th/download/International Service/Overseas Staff/02 Visa Extension/STM.9.pdf

 

 

4 minutes ago, trucking said:

. . . . my 400,000 has not been frozen and I was not asked to sign anything about agreeing to such a freeze.

 

Presumably the money had been in the bank for > 4 months so you are not affected by the recent BBL rule change?

26 minutes ago, treetops said:

 

Presumably the money had been in the bank for > 4 months so you are not affected by the recent BBL rule change?

 

No it had not. It had been topped up on 27th July to comply with their old 2 month seasoning rule. So only seasoned for August and September. 

7 minutes ago, trucking said:

No it had not. It had been topped up on 27th July to comply with their old 2 month seasoning rule. So only seasoned for August and September. 

 

Good news.  Hopefully they're winding back their changes having listened to the feedback.

38 minutes ago, trucking said:

So I did my extension based on marriage today. Got 99% of my ducks in a row and easiest application for years.

 

To offer hope to others making their application in the coming weeks ,  my 400,000 has not been frozen and I was not asked to sign anything about agreeing to such a freeze. The bank was nice and empty at 9.30 am and when I applied I did not mention  I wanted the letter for immigration. Didn't mention immigration at all. To clarify what I wanted ,  I just asked for a 6 month statement notified  separately by a member of staff. I also showed them a copy of the letter they had given me last year and requested it be exactly the same. They asked for my passport to make a copy of info page and current visa.  30 minutes later they gave me the letter for the usual charge of 200 baht

 

The previous day I had got the Kor Ror Sor 2 updated making sure to go at 3.pm and miss the crowds. Office was empty and served straight away.

 

Got to immigration today ( also empty ) and was done in 50 minutes despite all the paper signing ( more than 70 pages in total )

 

They said it had been very busy the day before so good timing.

 

All done for another year and hope this illustrates that not all Bangkok Bank branches are demanding to freeze funds before providing the required letter.

 

The only duck I missed was having an STM 9 form prepared. This was not asked for last year and was new to me.

 

https://www.diald.nu.ac.th/download/International Service/Overseas Staff/02 Visa Extension/STM.9.pdf

 

 

Which Immigration office?

1 minute ago, Burgo1979 said:

Which Immigration office?

 

 

Surfice to say it is in an up country province well away from any tourist areas. However if you read this thread the 4 months freeze is apparently nothing to do with immigration but rather a new policy of the Bangkok Bank who have been hit by fines for allowing call center scammers to use agents to open multiple bogus accounts ( with the collusion of bent banking staff ) for the purpose of money laundering.

 

Another poster in Phuket also said that 2 Bangkok Bank branches in Phuket were not asking to freeze money for 4 months.

 

 

 

 

On 10/20/2025 at 10:49 AM, Liquorice said:

I use a 12 month FTD account with 400K + in all year round.

The letter was issued no problem, without the need to freeze the account.

 

BBK3.jpg.b3938051b41724369294b87b67e4ca7b.jpg.0a8f0bac8a9ee6ed45d74f3e6cd44d53.jpg

Same with me (albeit 800K for the retirement extension).

 

Letter was issued with no mention of funds being frozen & this was at the same Branch where the week before my friend had to lock his 800K in for 4 months because he’d only had it in his account for 3.5 months. 

10 minutes ago, trucking said:

 

 

Surfice to say it is in an up country province well away from any tourist areas. However if you read this thread the 4 months freeze is apparently nothing to do with immigration but rather a new policy of the Bangkok Bank who have been hit by fines for allowing call center scammers to use agents to open multiple bogus accounts ( with the collusion of bent banking staff ) for the purpose of money laundering.

 

Another poster in Phuket also said that 2 Bangkok Bank branches in Phuket were not asking to freeze money for 4 months.

 

 

 

 

Thanks, yes i was aware that it wasn't to do with immigration, i just thought you may have been close to  my local office. Not sure what's happening in Phuket.

16 minutes ago, Burgo1979 said:

Thanks, yes i was aware that it wasn't to do with immigration, i just thought you may have been close to  my local office. Not sure what's happening in Phuket.

 

Any immigration office will do the extension if you have the required letter from the bank. BUT , if you bank with the Bangkok Bank , they may decline to provide the letter if the money has not been seasoned for 4 months. My branch gave it without any hassle. Some might not , thus giving some people a problem when applying with no time left to shop around.

47 minutes ago, trucking said:

Surfice to say it is in an up country province well away from any tourist areas. However if you read this thread the 4 months freeze is apparently nothing to do with immigration but rather a new policy of the Bangkok Bank who have been hit by fines for allowing call center scammers to use agents to open multiple bogus accounts ( with the collusion of bent banking staff ) for the purpose of money laundering.

Agents are now using Krunksri bank to open accounts, deposit 800K, obtain statement and letter, then withdraw the 800K.
How long before they catch on and further restrictions imposed.

 

Meanwhile, on Thai news, the situation is still bad, with new scam call centres operated by Chinese opening in Cambodia, with video clips of the call centre staff throwing multiple piles of hundred baht bills in the air and taunting the Thai authorities and banks to 'catch us if you can'.

6 minutes ago, Liquorice said:

Agents are now using Krunksri bank to open accounts, deposit 800K, obtain statement and letter, then withdraw the 800K.
How long before they catch on and further restrictions imposed.

 

Meanwhile, on Thai news, the situation is still bad, with new scam call centres operated by Chinese opening in Cambodia, with video clips of the call centre staff throwing multiple piles of hundred baht bills in the air and taunting the Thai authorities and banks to 'catch us if you can'.

where are you getting this information about agents using Krungsri bank as you claim?

1 hour ago, Dan O said:

where are you getting this information about agents using Krungsri bank as you claim?

From reports on AN.

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