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Alert! Bangkok Bank new rule money seasoning

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3 minutes 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...🤔

The Bank Letter is a simple statement confirming you as the sole owner of the account + the balance at time of letter issued. 

It does not confirm financial compliance. 

That is done with bank book and (in some cases) Bank statement. 

For retirement that would be 12 month bank statement. 

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Just now, DrJack54 said:

The Bank Letter is a simple statement confirming you as the sole owner of the account + the balance at time of letter issued. 

It does not confirm financial compliance. 

That is done with bank book and (in some cases) Bank statement. 

For retirement that would be 12 month bank statement. 

OK, thanks for that..👍

I put the money into the bank a few years ago and have never gone below the 400k figure. Easier than trying to figure out when it has to be in if you go below the value.

On 8/6/2025 at 11:42 AM, harryviking said:

Never understood why anyone would use Bangkok Bank....the least pleasant bank in Thailand.....😫

Always found it to be quite efficient. Maybe your experience is slightly negative, but maybe it is your attitude that gets you that response.

52 minutes ago, 007 RED said:

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.

Not sure why you needed 12 months bank statements , usually the passbook is sufficient, in Jomtien it is, of course letter as well 

18 hours ago, mfd101 said:

 

been waiting for a reply for the monthly deposit. I have been bringing it in for years. I withdraw most of it every month. I have two other accounts that I live on.

21 minutes ago, flexomike said:

been waiting for a reply for the monthly deposit. I have been bringing it in for years. I withdraw most of it every month. I have two other accounts that I live on.

 

Have you ever applied for an extension with less than 65 k baht in your account on the day of application?

 

Bit of conjecture here, but if the bank's logic requires that lump sums mandated by immigration's seasoning rules will be "frozen" if not seasoned by the bank's new rules, wouldn't the same logic suggest that the foreigner using the monthly income method presenting a bank book showing a balance less than 65k baht within the previous 30 days would also require signing an affidavit and agreeing to 65k being "frozen" for a month?

24 minutes ago, NanLaew said:

...wouldn't the same logic suggest that the foreigner using the monthly income method presenting a bank book showing a balance less than 65k baht within the previous 30 days would also require signing an affidavit and agreeing to 65k being "frozen" for a month?

Personally don't see that logic. 

There is no seasoning for income method. 

By way of example my monthly transfer using WISE hits my Thai bank and basically minutes later is transferred into Thai partners account. 

No idea what BBL would require for those using income method. 

However since they can just make up a nonsense requirement anything is possible. 

15 minutes ago, DrJack54 said:

 

By way of example my monthly transfer using WISE hits my Thai bank and basically minutes later is transferred into Thai partners account. 

Exactly the same for me & my b/f. I always comment as the Immigration girls or guys leaf thru my finance papers 'He rich, me poor'. They always laugh, as if to say: Just how it should be!

52 minutes ago, NanLaew said:

 

Have you ever applied for an extension with less than 65 k baht in your account on the day of application?

 

Bit of conjecture here, but if the bank's logic requires that lump sums mandated by immigration's seasoning rules will be "frozen" if not seasoned by the bank's new rules, wouldn't the same logic suggest that the foreigner using the monthly income method presenting a bank book showing a balance less than 65k baht within the previous 30 days would also require signing an affidavit and agreeing to 65k being "frozen" for a month?

I do my extensions on the day my SS comes in. Go to the bank withdraw almost all of it, never leave more than 10,000 baht in this account. So technically I only have the 65,000 in the bank for one day. I have been with Bangkok Bank for over 23 years, if they freeze me, I will be done with them. Hopefully we hear something from someone using the 65,000 baht monthly method. My next extension isn't until April.

20 minutes ago, flexomike said:

Hopefully we hear something from someone using the 65,000 baht monthly method.

Stay tuned. Eventually we will have first hand report re income method. 

Can't imagine a freeze however the form folk are signing virtually at gun point is ridiculous

6 hours ago, DrJack54 said:

The Bank Letter is a simple statement confirming you as the sole owner of the account + the balance at time of letter issued. 

It does not confirm financial compliance. 

That is done with bank book and (in some cases) Bank statement. 

For retirement that would be 12 month bank statement. 

As per my post earlier on, I went to Nakhon Pathom Immigration office this afternoon to apply for my extension of permission to stay, based upon retirement and using 800K in the bank (BBL).

 

As we all know, each office, and in some cases individual officers, has their own interpretation as to what documentation they require.

 

In the case of Nakhon Pathom, they require me to provide the following financial information to support my application:

 

  • A 12 month bank produced statement (2 x 6 month statements or online statements are not acceptable).
  • A letter from the bank certifying that I am the holder of the account.  The letter must have my full name, the account number and the balance at the date the certificate is issued.
  • The bank book which must be updated on the day that I make the application for the extension of stay e.g. having put in 100THB before requesting the certificate.
  • A copy of each page of the bank book, from the date of my previous application last year.

 

For some unknown reason I forgot to double check the certificate this morning.  It was missing the balance of the account at the time the certificate was produced.  Thankfully the senior who picked this up used her discretion and approved my application and politely reminded me to ensure that the amount is on next years certificate.

 

All good fun.

2 minutes ago, 007 RED said:

As per my post earlier on, I went to Nakhon Pathom Immigration office this afternoon to apply for my extension of permission to stay, based upon retirement and using 800K in the bank (BBL).

 

As we all know, each office, and in some cases individual officers, has their own interpretation as to what documentation they require.

 

In the case of Nakhon Pathom, they require me to provide the following financial information to support my application:

 

  • A 12 month bank produced statement (2 x 6 month statements or online statements are not acceptable).
  • A letter from the bank certifying that I am the holder of the account.  The letter must have my full name, the account number and the balance at the date the certificate is issued.
  • The bank book which must be updated on the day that I make the application for the extension of stay e.g. having put in 100THB before requesting the certificate.
  • A copy of each page of the bank book, from the date of my previous application last year.

The requirements you list is exactly what I do at CW for annual extension retirement. 

The only difference is banking with other than BBL I can obtain the 12 month bank statement in one hit 200b.

I do it the day prior along with bank Letter. 

On day of application I do a 100b deposit to update bb and show activity on day of application

6 hours ago, NanLaew said:

 

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.

 

Thanks for your comment.

 

FYI...... The 'branch' happened to BBL HQ on Silom Road in BKK, and the employee was actually a manager, so one would hope that she had some reasonable knowledge as to the reason(s) why the bank's policy regarding issuing of certificates have changed recently.  In fairness, I hardly expected her to provide chapter and verse as to the reason(s) why BBL have changed their policy, but she provided sufficient information in order to be able to put two-and-two together, to make four.

 

I'm not sure how this revised policy would stop 'rouge' branch managers and staff allowing unqualified Chinese (or any other nationals for that matter) from opening accounts, as a bank certificate is not required to open an account as far as I can remember.

3 minutes ago, 007 RED said:

Thanks for your comment.

 

FYI...... The 'branch' happened to BBL HQ on Silom Road in BKK, and the employee was actually a manager, so one would hope that she had some reasonable knowledge as to the reason(s) why the bank's policy regarding issuing of certificates have changed recently.  In fairness, I hardly expected her to provide chapter and verse as to the reason(s) why BBL have changed their policy, but she provided sufficient information in order to be able to put two-and-two together, to make four.

 

I'm not sure how this revised policy would stop 'rouge' branch managers and staff allowing unqualified Chinese (or any other nationals for that matter) from opening accounts, as a bank certificate is not required to open an account as far as I can remember.

 

Head office then, blaming the new rules on the legally entitled long-term foreign account holders and their agents, rather than the illegal and unentitled instant Chinese account holders and the dodgy bank employees that enabled it. I wouldn't have expected anything less, of course.

9 hours ago, Liquorice said:

This is why the banks are putting the squeeze on.

 

 

 

Indirectly the reason, yes.  These scams are the reason the new law was passed, and that law is the direct reason many things are changing from availability to even obtain a bank account, to new bank policies regarding showing funds.

 

https://www.biocatch.com/blog/thailand-royal-decree-financial-fraud

 

"In April 2025, Thailand made a bold regulatory move by passing the Royal Decree on Measures for the Prevention and Suppression of Technology Crimes (No. 2) B.E. 2568 (2025). Supported by the Bank of Thailand (BOT), this legislation holds financial institutions accountable for failing to prevent fraud—even in cases where the victim seemingly authorized the transaction under false pretenses."
On 8/6/2025 at 4:47 PM, scubascuba3 said:

Garbage, or maybe i missed the story about mule accounts being used for 800k deposits?

I didn't say they were.  "Our" legit accounts got caught-up in a "rule" created in response to the mule-account problem. 

On 8/7/2025 at 6:24 PM, 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?

It would seem that the account monies, up to the sum of any deposits in the last 4-months. could be frozen, under this rule.  Whether they are frozen in-practice is unknown, pending-reports. 

 

But, as there is no min-balance needed to show on your bank-letter for this type of extension, you could just drain the account first.  Let them "4 month freeze" 500 baht, or whatever is left.  I'm guessing they won't bother.

 

In all cases, I would recommend all use another account - preferably at another bank - for money you do not want subjected to arbitrary "freeze" activity by BKB.  The fact they did this speaks to their lack of respect for us / our money.  

 

Many retired foreigners are going to be in hospital, unable to pay for services, because their retirement-account money is "frozen" by BKB - when the reason for the account is (purportedly) to cover exactly this sort of situation (but really, only to generate agent brown-envelope money).   Sure, it would screw-up their next-years' extension to early-spend the money, but that's a minor thing compared to getting that heart-surgery or similar.  

 

Come to think of it, even w/o BKBs capricious action, I wonder how many die - ignoring chest-pains or similar - due to being afraid to "break" their next-years' retirement-extension, by touching "their" (sic) money "too soon" with a hospital visit?  Knowing they can use an agent to "fix" the problem, might save their life.

On 8/6/2025 at 5:46 PM, scubascuba3 said:

and the letter is for what? I'll tell you, for Immigration 

No.  Given how we are treated, it is clear that Immigration WANT you to do things the "agent way" - which puts money in their pockets - not the other way around. 

 

I would guess that this "agent" account activity was getting flagged in BKB's automated "look for mule activity" checks (money in/out fast), and this step was to improve the "signal to noise ratio" in that process.

On 8/7/2025 at 6:24 PM, 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?

I thought you only need the letter for "money in the bank" method and NOT for the "Income" method?

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8 minutes ago, DezLez said:

I thought you only need the letter for "money in the bank" method and NOT for the "Income" method?

The Bank Letter is required for both. 

The bank letter has nothing to do with showing financial compliance. 

 

It's required to show you as owner of the account and balance on day of issue. 

 

Financial compliance is shown often by  12 month bank statements or in some situations just the bank book (and photocopies) which shows all the transactions. 

23 hours ago, 007 RED said:

FYI...... The 'branch' happened to BBL HQ on Silom Road in BKK, and the employee was actually a manager, so one would hope that she had some reasonable

Thanks for your posts. I'm curious, as you said you went to Bangkok Bank's head office in Silom for the bank letter (ownership and balance) and 12-month statement. As widely reported in the forum, folks getting the 12-month statement letter from Bangkok Bank have to request it and then wait anywhere from 5-7 days before it is 'produced' and they can receive it.

 

Just wondering if going in to the head branch on Silom, were you able to receive the 12-month statement 'on the spot', ie, at the time you requested it? And not have any 'waiting time' to receive it? Or did you have to make two trips to the head branch? (One to request the 12-month statement, and a second visit to pick it up and also get the 'bank letter'.)

 

You would think the bank's head branch would be able to produce the 12-month statement 'on the spot'. But, don't know, have not read any report of that here.

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12 hours ago, rwilem said:

Thanks for your posts. I'm curious, as you said you went to Bangkok Bank's head office in Silom for the bank letter (ownership and balance) and 12-month statement. As widely reported in the forum, folks getting the 12-month statement letter from Bangkok Bank have to request it and then wait anywhere from 5-7 days before it is 'produced' and they can receive it.

 

Just wondering if going in to the head branch on Silom, were you able to receive the 12-month statement 'on the spot', ie, at the time you requested it? And not have any 'waiting time' to receive it? Or did you have to make two trips to the head branch? (One to request the 12-month statement, and a second visit to pick it up and also get the 'bank letter'.)

 

You would think the bank's head branch would be able to produce the 12-month statement 'on the spot'. But, don't know, have not read any report of that here.

As I indicated in my original post (Friday), I went to BBL HQ earlier in the week (Tuesday) and ordered my 12 month statement, as they quoted 3/4 working days for delivery.  I returned early Friday morning to pick up the statement and get the certificate, before heading off to Immigration to do my renewal. 

 

I am aware from numerous reports on the forum that members have been quoted a week plus for a 12 month statement by their local BBL branch.  My local branch said a week, but advised it could be 2 weeks.  Hence two trips into BKK on the electric bus (40THB return each time - the joys of retirement).

 

As far as I'm aware, BBL HQ and branches can only give 6 month statements on the spot, and that longer statements have to be ordered by the branch from HQ.

 

Its really strange that they (BBL) are only able to give 6 month statements on the spot.  HSBC can produce my account statements going back to 2021 instantly.

 

FYI... When I did my extension of stay renewal (retirement) based upon 800K funds in the bank on Friday, I enquired of the IO if they would accept either of the following statements:

  • 2 x 6 months statements - as these can be obtained 'on the spot', or
  • Can I order the statement online and print it myself.

The answer was a categoric NO!  Must be on bank paper and must be one continuous statement.

 

Hope that clarifies.

 

 

On 8/7/2025 at 12:53 PM, Sydebolle said:



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! 

You're asking me to get a life? I suggest you stop wasting your life posting gibberish on here, as you're incapable of basic logic.

On 8/6/2025 at 8:33 PM, Sydebolle said:

I am absolutely appalled by the hopeless arrogance of these banks. Vote with your feet and change the bank as those pr1kcs are just overdoing it with such racist nonsense of the finest order. 

Wondering if the top floor on 333 Silom Road with the little "Sophonpanich" name tags on the doors know about what their underlings are doing with a customer base, which holds by average considerably more money at sh1tty conditions than the average Somchai in Nakorn Nowhere ......... 

 

Are you suggesting that the collective balance of foreigner's bank accounts here in Thailand is greater than the collective balance of the Thai account holder's bank accounts? Seriously?

 

It's guaranteed that the owners of Bangkok Bank aren't feeling any pain due to any arbitrary ruling on the MOMENTARY "freezing" of accounts belonging to SOME foreigners.

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On 8/8/2025 at 12:22 PM, Photoguy21 said:

Always found it to be quite efficient. Maybe your experience is slightly negative, but maybe it is your attitude that gets you that response.

yeah, I have had my accts at Bangkok Bank for over 25 years and happy with their support when needed for immigration purposes both the branches in Bangkok and then in CM when I relocated 11 years ago.

On 8/5/2025 at 2:45 PM, Liquorice said:

 

The noticed posted around branches of Bangkok Bank can't be much clearer.

 

BBK3.jpg.b3938051b41724369294b87b67e4ca7b.jpg.f8be5cdccf9808feb0fbeab5a2723a03.jpg

I've had bad vibes about Bangkok Bank from the first time I went into a main branch in Bangkok 20+ years ago. It was an unfriendly feeling - sort of cold, unhelpful reaction from the staff. So I took my business (and continue to patronize) SCB and Kasikorn banks. Anecdotally, Bangkok Bank continues to be the bank that foreigners complain about the most. I don't see (even on AN) many (if any) complaints about SCB or Kasikorn or Krungthai unless they are complaints relating to imposition of irritating government rules like restrictions on transfer amounts, intrusive ID requirements, etc. But those are universal. At Bangkok Bank, there just seems to be a low-level hostility to foreigners  - and that signaling must come from high up in the bank's boardroom. While there might be no connection to the issue of foreigners, for those unaware, that bank was also singled out by the Red Shirts years ago during their street protests and some branches were vandalized, but, to my knowledge, no other banks were targeted. I don't remember why.

On 8/6/2025 at 4:34 PM, CallumWK said:

 

I call bull <deleted> on that. Agents are responsible for this as well

Why would agents be responsible, what's in it for them.?

3 hours ago, 007 RED said:

Hope that clarifies.

It sure does, thanks! 

 

And excuse me, I didn't pick up from the original post, your saying you indeed had made the two trips into the main branch. I was focused on the post I quoted. 

 

It is so odd; if a 12-monther is asked for at a branch, they tell you they have to 'order it from the main branch'. I guess can confirn now the same applies when you rock up to the main HQ branch and request one. They still need days to prepare it. Seems strange, though. 

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