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Alert! Bangkok Bank new rule money seasoning

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1 minute ago, Liquorice said:

For retirement extensions using the funds' method, the requirement is 800K for 2 months prior and for 3 months after the extension application.
You can then withdraw up to 400K, the remaining balance being a minium of 400K for the remaining 7 months.

 

When exactly did you withdraw the 300K, within 3 months after the extension was granted, or after the 3 months.

 

Long after the 3 months after the last extension. I'm just now getting ready to renew and the 300K was taken out for a couple of days 3 1/2 months ago. All well within the immigration time requirements, before and after. But not within Bangkok Bank's new rule.

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10 minutes ago, John Drake said:

 

Long after the 3 months after the last extension. I'm just now getting ready to renew and the 300K was taken out for a couple of days 3 1/2 months ago. All well within the immigration time requirements, before and after. But not within Bangkok Bank's new rule.

Then you are fine and have met Immigrations financial requirements.

 

The requirements imposed by Bangkok bank are nothing to do with the financial requirements of Immigration.
The BKK requirement is to do with scams, fraud and mule accounts following investigations into these 'call centre' scammers.

 

7 minutes ago, Liquorice said:

Then you are fine and have met Immigrations financial requirements.

 

The requirements imposed by Bangkok bank are nothing to do with the financial requirements of Immigration.
The BKK requirement is to do with scams, fraud and mule accounts following investigations into these 'call centre' scammers.

 

But the way I understand it is that BBL will not issue a statement because 4 months ago there was no 800K in the account.

 

Correct or not?

14 hours ago, JensenZ said:

This is absurd, throwing in the race card... You accuse Thais of being racist, due to some new bank rules, then come out with an actual racist comment, talking about "average Somchai in Nakorn Nowhere...".

 

 

 

 



Really? So Thais have to fulfill the same requirements when applying for a mortgage with a finance company or require a visa to travel overseas? Wake up and get a life! 

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How can one be so dense as to believe that all requirements must be written is some special place.

 

IOs can make requirements as they please daily and change them hourly 

2 minutes ago, CallumWK said:

But the way I understand it is that BBL will not issue a statement because 4 months ago there was no 800K in the account.

I never stated otherwise, but it's nothing to do with the figure of 800K which are Immigrations requirements.

2 minutes ago, Liquorice said:

I never stated otherwise, but it's nothing to do with the figure of 800K which are Immigrations requirements.

 

I also didn't say that, so get off your soap box.

Point is that @John Drake is not a scammer, a fraud or member of a call center, but he will not be able to satisfy immigration because BBL make up their own rules

23 hours ago, Liquorice said:

It's OK to just admit you don't know, rather than to spread false gossip.

Benjamin Hart had a YouTube segment on this issue but stopped short of mentioning the Bank. Must have been afraid of a defamation suit.

18 hours ago, Liquorice said:

 

 

You sign the 'affidavit', agreeing to essential freeze said funds for 4 months, or you choose the sensible option and do as @DrPhibes did.

 

 

 

Think I'm getting there....so I put the money in the bank as normal two months before......but then have to sign to keep it in there for four months in total.

 

Well that is basically what I do now.

 

Money goes in two months before application......then apply 30 days before due date.....and then keep it in there during the 30 days consideration = four months

3 minutes ago, CallumWK said:

I also didn't say that, so get off your soap box.

I'm not on a soap box.
You stated;

14 minutes ago, CallumWK said:

But the way I understand it is that BBL will not issue a statement because 4 months ago there was no 800K in the account.

I stated it's not specifically about the amount of 800K.

 

The notice from Bangkok Bank states;
 

Quote

If the account was funded in the amount for at least 4 months, then a letter will be issued.

They are talking about the amount in the account prior to requesting the said letter, not any requirements imposed by Immigration.

6 minutes ago, Will B Good said:

 

Think I'm getting there....so I put the money in the bank as normal two months before......but then have to sign to keep it in there for four months in total.

 

Well that is basically what I do now.

 

Money goes in two months before application......then apply 30 days before due date.....and then keep it in there during the 30 days consideration = four months

No, the affidavit states you agree to keep the funds in the account for 4 months after requesting and they issue the letter.

1 minute ago, Liquorice said:

No, the affidavit states you agree to keep the funds in the account for 4 months after requesting and they issue the letter.

 

So I would end up having the funds tied up for six months in effect......eff that for a game of soldiers.

Just now, Will B Good said:

 

So I would end up having the funds tied up for six months in effect......eff that for a game of soldiers.

Correct!

Those applying for extensions based on Thai spouse are impacted the most, as you cannot withdraw the funds immediately after the extension is granted any more.

However, if you can deposit the 400K 4 months before requesting the letter, then it will be issued without recourse to sign any form.

 

Alternatively, find another bank to use.

2 minutes ago, Liquorice said:

Correct!

Those applying for extensions based on Thai spouse are impacted the most, as you cannot withdraw the funds immediately after the extension is granted any more.

However, if you can deposit the 400K 4 months before requesting the letter, then it will be issued without recourse to sign any form.

 

Alternatively, find another bank to use.

 

Cheers....and thanks for sticking with me.....555

Rather than posting stupid childish 'thumbs down' emoticons throughout my posts, why not post what you disagree with, or is it above your IQ levels.

I can explain it, but I can't make you understand it.

 

BBK3.jpg.b3938051b41724369294b87b67e4ca7b.jpg.c42340150b53603d324607ead7425b61.jpg

 

What do you not understand, it's clear and concise.

19 hours ago, Liquorice said:

What is the point of answering, you just childishly post a thumbs down emoticon to every reply.
Think outside your own small box for once.

Who else might request a confirmation letter on the status of the account other than Immigration?

 

6 minutes ago, Liquorice said:

Rather than posting stupid childish 'thumbs down' emoticons throughout my posts, why not post what you disagree with, or is it above your IQ levels.

I can explain it, but I can't make you understand it.

 

 

 

What do you not understand, it's clear and concise.

 

How do you know who's posting thumbs down emojis? Why does it bother you so much?

2 minutes ago, NanLaew said:

 

 

How do you know who's posting thumbs down emojis? Why does it bother you so much?

It's immature and childish.
If you don't agree with a person opinion, then either respect it, or reply stating your own opinion, but a thumbs down is just a cop out.

6 minutes ago, Liquorice said:

It's immature and childish.
If you don't agree with a person opinion, then either respect it, or reply stating your own opinion, but a thumbs down is just a cop out.

 

You don't know who's doing it, but you responded to two members accusing them of posting them.

 

Life's a cop out, deal with it.

 

Sheesh...

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1 hour ago, Liquorice said:

Rather than posting stupid childish 'thumbs down' emoticons throughout my posts, why not post what you disagree with, or is it above your IQ levels.

I can explain it, but I can't make you understand it.

 

BBK3.jpg.b3938051b41724369294b87b67e4ca7b.jpg.c42340150b53603d324607ead7425b61.jpg

 

What do you not understand, it's clear and concise.

The only time I go into the bank physically is to get my extension letter 1x per year.  When I went in to do it a few days ago, there was no such sign.  They also have my phone number and could have texted out a notification or had it on their website when I go into my online account but no notification was given.

In all of this fascinating conversation I'm assuming that those of us silly enough to bring in 65+K฿ every month in support of an O/A permission to stay will have no difficulty getting the BKKBk's letter?

10 hours ago, LosLobo said:
19 hours ago, Liverpool Lou said:

Withdrawals can also be made, pre-term, from any fixed deposit accounts.


Pretending withdrawals don’t have to void a higher fixed-term rate doesn’t make you right.

I was not "pretending that withdrawals don't have to void the fixed term interest rate" and my stating that withdrawals can be made before the end of the term was right.

8 hours ago, CallumWK said:

But the way I understand it is that BBL will not issue a statement because 4 months ago there was no 800K in the account.

 

Correct or not?

Not correct.  You sign the affidavit and they freeze the 800k for 4 months.

 

2 hours ago, mfd101 said:

In all of this fascinating conversation I'm assuming that those of us silly enough to bring in 65+K฿ every month in support of an O/A permission to stay will have no difficulty getting the BKKBk's letter?

No problem

On 8/5/2025 at 7:06 PM, Liquorice said:

In which Immigration order would that specific requirement appear?

It's in no immigration order as it is not a immigration requirement.

Looks like that it's a local bank branch regulation which isn't official.

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Scheduled to renew my permission to stay based upon retirement, this afternoon at Nakhon Pathom Immigration, using 800K in bank method.

 

Earlier this week I ordered a 12 month bank statement at BKK HQ as they can supply it within 3 or 4 days – my local branch quoted 2 weeks.

 

At the crack of dawn, this morning, I was waiting at the doors of the bank, and dead on 8:30am I was allowed to enter the bank, collected my queue ticket and proceeded to counter 31 which deals with statements/certificates.

 

Having handed over my receipt for the ordered statement, I was given the statement.  After checking it, I asked the clerk for a certificate certifying the account in my name as required by Immigration.  I was asked to sign a simple form (in Thai) requesting the certificate and asked to pay 100THB.  A few minutes later the clerk gave me the certificate duly signed and stamped.

 

During my transaction there was no mention of having to signing any affidavit allowing the bank to freeze any funds in my account.

 

I advised the clerk that I had heard rumours that BKK had recently introduced a policy requiring foreigners who requested a certificate for Immigration to sign an affidavit which allows the bank to effectively freeze funds in their account for 4 months after the certificate has been issued.

 

The clerk confirmed that BKK has recently introduced a new policy regarding the issuance of a certificate for Immigration. 

 

She stated that if the account shows that the funds (400K or 800K, depending upon permission to stay) were deposited 4 months prior to requesting the certificate, then the the bank will issue a certificate with no requirement for any funds to be frozen. 

 

On the other hand, if the account does not show that the necessary funds (400K or 800K) were deposited 4 months prior to requesting the certificate, the bank will request the account owner to sign an affidavit allowing the bank to freeze the funds (400K or 800K) for 4 months from the date the certificate is issued. 

 

No signature = no certificate.

 

I asked the clerk why the bank had implemented this policy.  She advised it was because the bank has been heavily criticised for allowing people to open new accounts, deposit the necessary funds (400K of 800K), obtain a certificate and then withdraw the funds, all in basically one transaction.  When asked, who was doing this and where, she would not say.  I leave it to you to guess, but to me it rings of what some agents might be doing for expats who do not have the necessary funds deposited in a Thai bank and this is a way the bank is attempting to close this loophole.

 

Hope this clarifies the situation… But, and it’s a big but, as always much depends upon the BKK branch, or the individual employee’s, interpretation of the policy.

 

Good luck.  Must close now as I need to drive to Nakhon Pathom Immigration to renew my permission to stay.

13 minutes ago, 007 RED said:

She stated that if the account shows that the funds (400K or 800K, depending upon permission to stay) were deposited 4 months prior to requesting the certificate, then the the bank will issue a certificate with no requirement for any funds to be frozen. 

Thanks for  excellent first hand report. 

Seems a general heads up for folk on marriage or retirement to have the required funds seasoned for 4 months to avoid funds to be frozen. 

 

Obviously this is more significant for those on marriage extensions. 

Many on retirement extensions just maintain the 800k yr round. 

 

Assume those using income method are not impacted by this BBL policy. 

 

 

 

 

 

 

Is there any real need for a bank letter if your bank book is updated on the day of immigration appointment, after all, they check the pages in it to see the dates the money has been in the bank...🤔

28 minutes ago, 007 RED said:

...

I asked the clerk why the bank had implemented this policy.  She advised it was because the bank has been heavily criticised for allowing people to open new accounts, deposit the necessary funds (400K of 800K), obtain a certificate and then withdraw the funds, all in basically one transaction.  When asked, who was doing this and where, she would not say.  I leave it to you to guess, but to me it rings of what some agents might be doing for expats who do not have the necessary funds deposited in a Thai bank and this is a way the bank is attempting to close this loophole. ...

 

Good information, confirming what we already know. It looks like at least one Bangkok Bank employee at one branch has been advised that the procedures used by immigration agents is the root cause of the problem and nothing to do with a 'rogue' branch manager and staff in Chonburi allowing unqualified Chinese nationals to open accounts.

 

The hundreds of thousands of baht going in and out of foreigner's bank accounts and staying in the country is obviously far more serious than the tens of millions of baht that the Chinese were sending out of the country.

 

This low-hanging fruit moment brought to you by Bangkok Bank.

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1 minute ago, transam said:

Is there any real need for a bank letter if your bank book is updated on the day of immigration appointment, after all, they check the pages in it to see the dates the money has been in the bank...🤔

@DrJack54 already explained the need for both statement and letter in an earlier post.

 

The statement and/or bank book confirms the financial qualifications. The letter is to confirm the account ownership.

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