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BKK Bank 4 months banked method??

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2 hours ago, dingdongrb said:

Can someone start a new thread about banks closing or not closing accounts due to low balance or inactivity? 

Is there a reason you can't do it?

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  • Liquorice
    Liquorice

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  • 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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8 hours ago, Liquorice said:

Is there a reason you can't do it?

Yes, because I don't give a <deleted> about dormant accounts or minimum balance required to keep an account closed.

11 hours ago, BrandonJT said:

Because anyone can make a statement on their computer in all of 5 minutes.  Printed documents are not trustworthy in any way.

 

You miss my point. If immigration at the border can accept viewing an eVisa, TDAC QR code or onward flight booking on an app on a phone, why can't they accept a bank statement on OR from an app on a phone.

 

In other news, the world has been going paperless for decades already.

11 hours ago, DrJack54 said:

What is difficult to understand. 

Bank Letter has nothing to do with 12 month bank statement. 

Also as far as bank statements go print outs from computer app are not acceptable. 

Nor should they be. 

 

Arguing the case FOR the pedants that run immigration.

 

You read it here first.

13 minutes ago, NanLaew said:

You miss my point. If immigration at the border can accept viewing an eVisa, TDAC QR code or onward flight booking on an app on a phone, why can't they accept a bank statement on OR from an app on a phone.

Topic is about the income letter addressed to Immigration, which is never required for entry, only for 1 year extensions at local Immigration offices.

16 minutes ago, NanLaew said:

 

You miss my point. If immigration at the border can accept viewing an eVisa, TDAC QR code or onward flight booking on an app on a phone, why can't they accept a bank statement on OR from an app on a phone.

 

In other news, the world has been going paperless for decades already.

You're making strawman and whatabout arguments that don't make any sense.  

TDAC and e-visa are verified on the immigration officer's computer.  You cannot forge them as they are in the system.
A flight booking is only ever needed for tourists. Someone trying to "game" 60 days in Thailand for a very temporary stay is not life or death. And they have to leave after that regardless.

Something to obtain permission to potentially stay in Thailand on a permanent basis SHOULD require more scrutiny and verification.

1 minute ago, Liquorice said:

Topic is about the income letter addressed to Immigration, which is never required for entry, only for 1 year extensions at local Immigration offices.

Totally missing my point, but carry on.

2 minutes ago, BrandonJT said:

You're making strawman and whatabout arguments that don't make any sense.  

TDAC and e-visa are verified on the immigration officer's computer.  You cannot forge them as they are in the system.
A flight booking is only ever needed for tourists. Someone trying to "game" 60 days in Thailand for a very temporary stay is not life or death. And they have to leave after that regardless.

Something to obtain permission to potentially stay in Thailand on a permanent basis SHOULD require more scrutiny and verification.

 

If you say so.

To clear the air here. I'm not trying to be obtuse and fully appreciate that immigration has a difficult task verifying an applicant's funds. This also applies to the MFA when it comes to visa applicants. I also appreciate that forgery and electronic manipulation of paperwork is rife. But that goes for any form of documentation, regardless of the source. Global laws on the protection of personal information eliminates any access to personal financial information by third parties.

 

I am suggesting that they could consider facilitating displays or even printing of the required bank account information direct from the Thai banking app installed on the applicants phone as part of the in-person application. Banks in Thailand and around the world are increasingly moving to app-only account access and management as it provides more robust security. Immigration should maybe try and do the same?

 

Too hard, I know.

15 hours ago, DrJack54 said:

Bank Letter has nothing to do with 12 month bank statement. 

 

Since I have only ever needed the 12-months bank statement, what is the purpose of the bank letter? If it has nothing to do with the 12-month bank statement, what is the purpose of the letter, and why does immigration need both?

1 hour ago, NanLaew said:

Since I have only ever needed the 12-months bank statement, what is the purpose of the bank letter?

Whatever. You are wasting my time. 

 

The Bank Letter is simply a one page letter confirming you are owner of the account (sole name) along with the balance on date of issue. 100b. See attachment. 

 

The 12 month bank statement shows immigration bank balances back till last extension. 

They can then check for financial compliance and if using income method also check the transfers are from abroad. 200b 

 

Note for extensions using money in bank method immigration can just rely on the bankbook. Especially the case for those using FD account. 

Screenshot_20250730-083953.jpg

50 minutes ago, DrJack54 said:

Whatever. You are wasting my time. 

 

The Bank Letter is simply a one page letter confirming you are owner of the account (sole name) along with the balance on date of issue. 100b. See attachment. 

 

The 12 month bank statement shows immigration bank balances back till last extension. 

They can then check for financial compliance and if using income method also check the transfers are from abroad. 200b 

 

Note for extensions using money in bank method immigration can just rely on the bankbook. Especially the case for those using FD account. 

Screenshot_20250730-083953.jpg

 

Thanks for the explanation of the bank letter's function, the purpose of the 1-year statement, the additional information regarding the money in bank method, and allowing me to waste your time. It is very much appreciated.

3 hours ago, DrJack54 said:

Note for extensions using money in bank method immigration can just rely on the bankbook. Especially the case for those using FD account. 

Not with CM Immigration who now insist on the bank letter plus bank book (but NO need to deposit fresh funds) and either a) a one year statement plus a one month statement or b) two 6 month statements.  It has  been like this since early last year.

26 minutes ago, DezLez said:

  It has  been like this since early last year

Not exactly sure of your point. 

With 75+ immigration offices there is variations on what they require. 

For my first several + years extension retirement CW would accept photocopies of bank book pages + actual bank book. 

Of course + the Bank Letter. 

Then BANG they wanted me to provide 12 month bank statement. 

They used lame reason that 2 months had zero activity. 

They make stuff up on the run and just to be difficult. 

Everyone needs to be aware off their own immigration office and any current games they play. 

Just because they can. 

4 minutes ago, DrJack54 said:

Everyone needs to be aware off their own immigration office and any current games they play. 

Just because they can. 

That is why I made my post regarding CM as you stated that statements were not required with FD a/c's

"Note for extensions using money in bank method immigration can just rely on the bankbook. Especially the case for those using FD account. "

10 minutes ago, DezLez said:

That is why I made my post regarding CM as you stated that statements were not required with FD a/c's

"Note for extensions using money in bank method immigration can just rely on the bankbook. Especially the case for those using FD account. "

I've always supplied copies of updated passbook, bank statement + letter to avoid any surprises.

On 7/27/2025 at 1:38 AM, BrandonJT said:

If you actually believe someone can't type up a letter without freezing an account, 2 things that are completely unrelated, then you're quite naive. 

"Can't" and "Will Not" are not the same.  They "Will not," unfortunately, for the victims of this policy.

 

On 7/27/2025 at 2:57 PM, jeffandgop said:

As I reported earlier in this thread, the BKB manager I met with assured me that my fix deposit would NOT be subject to this 4 month freeze. 

My point about fixed-deposit accounts, is that the principal must be available for withdrawal at any time, to qualify for use at immigration.  This bank-policy is "freezing funds" of non-fixed-deposit accounts, such that they do not meet immigration's requirements.

49 minutes ago, Rob Browder said:

My point about fixed-deposit accounts, is that the principal must be available for withdrawal at any time, to qualify for use at immigration.

Such funds are available to withdraw at any time, you just lose some interest.

 

50 minutes ago, Rob Browder said:

This bank-policy is "freezing funds" of non-fixed-deposit accounts, such that they do not meet immigration's requirements.

In principle, I agree, but I don't think that will concern Immigration.
Doesn't Immigration orders technically already 'freeze' funds, making them unavailable to withdraw.

Retirement > 800K for 2 months prior, 3 months thereafter, then 400K for the remaining 7 months.
Thai spouse/family > 400K for 2 months prior.

Never transferred large amounts between two Thai Banks.  Can I Send 800k baht from Bangkok Bank to Krungthai online or do I have to go to a Bangkok Bank Branch?

34 minutes ago, atpeace said:

Never transferred large amounts between two Thai Banks.  Can I Send 800k baht from Bangkok Bank to Krungthai online or do I have to go to a Bangkok Bank Branch?

Sending bank transfers without limits on amounts is not possible in most cases. Banks and financial institutions have regulations in place to prevent money laundering and other fraudulent activities, so there are typically limits on the amount of money that can be transferred.
Typically, some banks have limits of either 50K per transfer, or 100K daily limit.

 

In person at a branch with ID may achieve better results.
Some years ago I tried, in branch, to transfer 200K to my wife's account with the Thai Government Savings bank and told not possible.
I withdrew 200K cash, walked across the road and deposited it in her account.

54 minutes ago, Liquorice said:

Such funds are available to withdraw at any time, you just lose some interest.

 

In principle, I agree, but I don't think that will concern Immigration.
Doesn't Immigration orders technically already 'freeze' funds, making them unavailable to withdraw.

Retirement > 800K for 2 months prior, 3 months thereafter, then 400K for the remaining 7 months.
Thai spouse/family > 400K for 2 months prior.

No, immigration does not freeze funds! They merely state the requirements and it's the individual's responsibility to ensure he/she meets those requirements.

31 minutes ago, Liquorice said:

Such funds are available to withdraw at any time, you just lose some interest.

 

In principle, I agree, but I don't think that will concern Immigration.
Doesn't Immigration orders technically already 'freeze' funds, making them unavailable to withdraw.

Retirement > 800K for 2 months prior, 3 months thereafter, then 400K for the remaining 7 months.
Thai spouse/family > 400K for 2 months prior.

Yes - but they also have a rule that accounts used for extensions must allow immediate withdrawal of the principle balance.

 

Clearly, their policy of "can't touch the 800K for 5 months" conflicts with the idea that the 800K exists to meet a year's expenses.   The entire reason for the retirement-based reason for the extension existing - so we stay and spend our money here - is circumvented. 

 

A sane rule would be that at least 400K of the 800K remains in the account 6-months after obtaining one's extension.   But, if they did THAT, all those pushed to agents by the 5-mo (2+3) rule could return to simply "topping off" to 800K every year, then spending down, as they did before.   Even the prior "2 months before seasoning" rule was only to prevent short-term loans competing with their agent-envelope system, which removes any need for seasoning and min-balances, entirely.

10 minutes ago, dingdongrb said:

No, immigration does not freeze funds! They merely state the requirements and it's the individual's responsibility to ensure he/she meets those requirements.

Hypothetically, for an extension based on retirement, the 800/400K funds are essentially untouchable for the stated periods in order to meet the requirements.

20 minutes ago, Liquorice said:

Sending bank transfers without limits on amounts is not possible in most cases. Banks and financial institutions have regulations in place to prevent money laundering and other fraudulent activities, so there are typically limits on the amount of money that can be transferred.
Typically, some banks have limits of either 50K per transfer, or 100K daily limit.

 

In person at a branch with ID may achieve better results.
Some years ago I tried, in branch, to transfer 200K to my wife's account with the Thai Government Savings bank and told not possible.
I withdrew 200K cash, walked across the road and deposited it in her account.

Thanks! I guess I'll just send 50k or 100k a day 🙂

13 minutes ago, Rob Browder said:

Yes - but they also have a rule that accounts used for extensions must allow immediate withdrawal of the principle balance.

 

Clearly, their policy of "can't touch the 800K for 5 months" conflicts with the idea that the 800K exists to meet a year's expenses.   The entire reason for the retirement-based reason for the extension existing - so we stay and spend our money here - is circumvented. 

 

A sane rule would be that at least 400K of the 800K remains in the account 6-months after obtaining one's extension.   But, if they did THAT, all those pushed to agents by the 5-mo (2+3) rule could return to simply "topping off" to 800K every year, then spending down, as they did before.   Even the prior "2 months before seasoning" rule was only to prevent short-term loans competing with their agent-envelope system, which removes any need for seasoning and min-balances, entirely.

I entirely get your point, but Immigration won't be concerned whether it's their own orders or a bank that states you have to keep xxx amount, for xxx period of time. in a particular type of bank account.

 

What's never mentioned is that if you keep said funds in either a Savings or FTD account throughout the year, then Bangkok bank will issue letters for Immigration without being subject to signing any affidavit.

5 minutes ago, atpeace said:

Thanks! I guess I'll just send 50k or 100k a day 🙂

Once you set up the transfer details, I'd send 1K first, just to make sure the transfer goes through smoothly.

 

I don't know how true, but my Bangkok bank branch told me it was a limit of 50K per day for foreigners, and that couldn't be changed.

Different if you're just transferring from one account to another with the same bank.

56 minutes ago, Liquorice said:

Hypothetically, for an extension based on retirement, the 800/400K funds are essentially untouchable for the stated periods in order to meet the requirements.

The funds were never FROZEN or untouchable. It was always the individual's responsibility to maintain Immigration's requirements. Is that really so hard to understand?

1 hour ago, dingdongrb said:

The funds were never FROZEN or untouchable. It was always the individual's responsibility to maintain Immigration's requirements. Is that really so hard to understand?

Which part of 'hypothetically' didn't you understand.

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