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Bank account frozen

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I am surprised that I don't hear 3 things:

 

- someone with serious money (eg a million baht) that he cannot access

- someone who runs into serious problems because the bank refuses to give him his money (eg cannot pay an air ticket or surgery)

- someone who,  for whatever reasons,  is leaving Thailand for good and cannot get the money from his account (or does BBL accept closure of account?)

 

 

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  • Who's fault is that? If you are living 1400k from you bank, it is time to open a local account.

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32 minutes ago, Everyman said:

 

They absolutely do not care. I’m surprised there hasn’t been any violence over this.

There's a video circulating on social media of a really pissed-off guy: he doesn't engage in violence against anyone or anything, but you can see few solid punches on the counter and very loud voice, The "amazing" thing is how the bank employee continues to talk to him as if he were talking to someone normally, and I think this only pissed him off even more.

14 minutes ago, Lorry said:

Someone who runs into serious problems.

 

 

A friend is in exactly this situation: he's at risk of being kicked out because he's 10 days late with his rent. Even the landlady, despite his punctual payments, doesn't want to hear of it. If he doesn't pay by Tuesday, he's out. At that point, I'll try to help him however I can.

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26 minutes ago, Mika78 said:

There's a video circulating on social media of a really pissed-off guy: he doesn't engage in violence against anyone or anything, but you can see few solid punches on the counter and very loud voice, The "amazing" thing is how the bank employee continues to talk to him as if he were talking to someone normally, and I think this only pissed him off even more.

This is the video. Not sure if I am allowed to publish it here

 

 

 

It's not your money. You deposited it into thai bank account 

3 hours ago, Caldera said:

 

He was treated quite badly by some members here and announced that he will quit the forum. I don't blame him, and I can only imagine what he'd have to endure here now with this mess. Very helpful guy back in the day.

Understandable.It can get quite toxic here quickly.The real shame is that it is counter productive as we potentially lose valuable input when the loudmouth's are allowed to run amok.

1 hour ago, Hellfire said:

This is the video. Not sure if I am allowed to publish it here

 

 

 

Yes.

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1 hour ago, Celsius said:

It's not your money. You deposited it into thai bank account 

No, legally, the money in a bank account is not the bank’s money-it belongs to the account holder. Here’s the nuance:

 

When you deposit money, the bank does take possession of it, but it’s considered a liability for the bank, not their asset. The bank owes that money to you.

You can withdraw it, transfer it, or use it according to your account terms.

The bank can use the money for lending or investment (this is how banks make profit), but legally, it must repay you on demand (for checking/savings) or according to the agreed terms.

 

 

So, while the bank “holds” and “uses” the money, it does not become theirs-they are just the custodian until you use it.

57 minutes ago, Hellfire said:

No, legally, the money in a bank account is not the bank’s money-it belongs to the account holder. Here’s the nuance:

 

When you deposit money, the bank does take possession of it, but it’s considered a liability for the bank, not their asset. The bank owes that money to you.

You can withdraw it, transfer it, or use it according to your account terms.

The bank can use the money for lending or investment (this is how banks make profit), but legally, it must repay you on demand (for checking/savings) or according to the agreed terms.

 

 

So, while the bank “holds” and “uses” the money, it does not become theirs-they are just the custodian until you use it.

 

You're in crypto, right?

 

Not your keys, not your money.

 

Remember "Celsius", eh?

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48 minutes ago, Celsius said:

 

You're in crypto, right?

 

Not your keys, not your money.

 

Remember "Celsius", eh?

Technically, you are right and what happens now is only proving your point. But from a legal point of view, it is not the bank’s money. Unfortunately, as a foreigner, I have no idea how to pursue my legal interests in this case, or whether there is any realistic chance of success. 

15 hours ago, Lorry said:

I am surprised that I don't hear 3 things:

 

- someone with serious money (eg a million baht) that he cannot access

 

 

As noted I opened my Bangkok Bank account back in 2016 visa exempt. I used it then to help transfer my money to buy a somewhat pricy  luxury condo. I haven't put as much money in since, but some might consider the account(s) in Thai and foreign amounts significant.  I have tried to keep the bank updated with my Visa changes and passport renewal over the years.

 

When I do visit the bank a few of the staff always remember me.

 

I wonder if that ( being remembered) is part of the reason why I have not been forced to endure ( as of yet) this account freeze that others have endured.

1 hour ago, oldcpu said:

 

As noted I opened my Bangkok Bank account back in 2016 visa exempt. I used it then to help transfer my money to buy a somewhat pricy  luxury condo. I haven't put as much money in since, but some might consider the account(s) in Thai and foreign amounts significant.  I have tried to keep the bank updated with my Visa changes and passport renewal over the years.

 

When I do visit the bank a few of the staff always remember me.

 

I wonder if that ( being remembered) is part of the reason why I have not been forced to endure ( as of yet) this account freeze that others have endured.

 

Thank you, and I believe this may be so, certainly from my experiences  - customer relations.

I first opened an account with Thai Farmers Bank (now Kasikorn) after a Thai lottery win whilst on holiday about 26 years ago. When I retired to Thailand, this bank closed and I opened a new account with Bangkok Bank in Phayao. During the years this branch was exceptionally helpful with English speaking staff who got to know me and cashed my pension cheques "over the counter" without me having to wait for them to be cleared (only UK Government cheques). When I moved across to Khon Kaen Province, I closed the Phayao account and opened a new one with Bangkok Bank in Chumphae, another very helpful branch which gave me sets of drinking glasses and a calendar for each New Year. By now my pensions were being electronically transferred. I never experienced any problems with Bangkok Bank, except on one occasion when it ditched VISA debit cards in favour of the Chinese UnionPay cards. There was much criticism at that time because of usage difficulties, such as at ATMs, and the bank soon provided a second choice MASTERCARD. Frozen accounts and other such banking bureaucracy were never heard of back in those days. I now live in Cambodia (almost 6 years) and my bank in Siem Reap is efficient and helpful with no hassle such as frozen accounts and mandatory biometrics. Beware! Big Brother is watching you via the Thai Banking system.

 

2 hours ago, oldcpu said:

 

As noted I opened my Bangkok Bank account back in 2016 visa exempt. I used it then to help transfer my money to buy a somewhat pricy  luxury condo. I haven't put as much money in since, but some might consider the account(s) in Thai and foreign amounts significant.  I have tried to keep the bank updated with my Visa changes and passport renewal over the years.

 

When I do visit the bank a few of the staff always remember me.

 

I wonder if that ( being remembered) is part of the reason why I have not been forced to endure ( as of yet) this account freeze that others have endured.

I got a call last Sat by Bangkok Bank. The lady said she needed some additional docs because I recently changed my address. When I got there, she was waiting. It only took 5 min. She had a big stack of papers in front of her and looked overwhelmed, so I asked what was going on. She said all bank branches were instructed to review every foreigner's file to make sure they had the correct docs, and that they met the latest requirements. I am familiar with the lady who called, but the reason my acct was not frozen is because I'm on a long-term visa. Most, if not all the posts I read about accts being frozen are people who opened them while on tourist visa, visa-exempt or used an agent, but never went back into the bank to update their information after they received their long-stay visa or extensions.

6 minutes ago, JohnnyBD said:

Most, if not all the posts I read about accts being frozen are people who opened them while on tourist visa, visa-exempt or used an agent, but never went back into the bank to update their information after they received their long-stay visa or extensions.

That would have been me, if I would still be with them:

Opened an account on a visa waiver, maybe 25 years ago.

NEVER was I asked to "update visa information" (what a weird concept,  that a bank should do this), and I never updated it. It often changed. 

NEVER was I asked to update passport information, it often changed,  too. But sometimes they would update it, if for some reason I had to present my passport.

At that time,  banks were not yet outposts of the immigration police.  They were financial institutions. 

 

BTW they DID ask many, many times to update my address.  It never changed. I never presented rental agreements or any proof of address - just told them my address. As I said, they were not police yet.

They also regularly asked to update my phone number.  It never changed,  either. 

They never asked about my weight. It charged considerably,  unfortunately. 

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1 hour ago, JohnnyBD said:

Most, if not all the posts I read about accts being frozen are people who opened them while on tourist visa, visa-exempt or used an agent, but never went back into the bank to update their information after they received their long-stay visa or extensions.

 

I think many of those who opened an account as a tourist DID go in later, some of them several times, and the Bangkok Bank clerk copied the latest visa or extension, as they usually do. What didn't seem to happen is that they missed changing the account status from tourist to non-tourist in their system, so rather than blaming the individual account holders affected, I'd say it's more likely due to poor training at Bangkok Bank. So if someone went there e.g. to get retirement visa paperwork from them, they should have checked and updated the account details if necessary. 

 

That's partially based on personal experience. In my case, they did change the account status, but it's a separate process from just making copies of the non-immigrant visa. The number of times I've been to Bangkok Bank and whichever clerk who was serving me had to check with his or her neighboring clerk how to process things is also quite mind-boggling and not a good sign in hindsight. I've never seen that happening at Kasikorn Bank, where they seem to be able to process everything on their own.

18 minutes ago, Caldera said:

That's partially based on personal experience. In my case, they did change the account status, but it's a separate process from just making copies of the non-immigrant visa.

So, did your account get frozen? If so, what did you do to get it unfrozen? What docs did they need from you?

5 minutes ago, JohnnyBD said:

So, did your account get frozen? If so, what did you do to get it unfrozen? What docs did they need from you?

 

My account didn't get frozen. Maybe because it's very old (opened in 2004), maybe because they did change the account status in my case, who knows.

 

As of today, I haven't heard anything from Bangkok Bank and the account has been working normally. The last time I went to my branch was about three years ago, when I needed a new debit card. They also updated my passport data (new passport) on that occasion, so the passport they have on file for me hasn't expired etc 

2 hours ago, Lorry said:

NEVER was I asked to update passport information, it often changed,  too. But sometimes they would update it, if for some reason I had to present my passport.

There have been several threads over the years about the ""choice" of updating your passport number with banks when renewed. Banks don't necessarily know when it has changed so the onus surely is on the individual. For most it only becomes an issue when not done and they are trying to make some changes or add account etc......

 

Nothing to do with Immigration. Most people would just see it as good sense. But you choose to blame the bank.........

On 8/19/2025 at 11:10 AM, Hellfire said:

This morning I received a message from my Thai bank to visit my branch with my identification. Then I found out that I am unable to transfer funds from this bank account. I visited my branch and updated all my personal details just 2 months and a half ago. Probably, it has something to do with 800 k retirement visa requirement. Now I have 780 k baht in my account. Please, advise, thanks

This is what you received?

FB_IMG_1756531311105.jpg

2 hours ago, Caldera said:

 

I think many of those who opened an account as a tourist DID go in later, some of them several times, and the Bangkok Bank clerk copied the latest visa or extension, as they usually do. What didn't seem to happen is that they missed changing the account status from tourist to non-tourist in their system, so rather than blaming the individual account holders affected, I'd say it's more likely due to poor training at Bangkok Bank. So if someone went there e.g. to get retirement visa paperwork from them, they should have checked and updated the account details if necessary. 

 

That's partially based on personal experience. In my case, they did change the account status, but it's a separate process from just making copies of the non-immigrant visa. The number of times I've been to Bangkok Bank and whichever clerk who was serving me had to check with his or her neighboring clerk how to process things is also quite mind-boggling and not a good sign in hindsight. I've never seen that happening at Kasikorn Bank, where they seem to be able to process everything on their own.

Exactly. I moved to Bangkok earlier this year. Within a week I went into the nearest Bangkok Bank branch here in Bangkok and told them I had a new address. They copied my passport again, with the updated visa, and copied the new rental contract I brought with my current Bangkok address. I did that of my own volition. Seven months later I get the pop-up app notice everyone else did and had to go back to Pattaya so that branch could do the same. Either the branches or "system" don't share the information or someone really wanted me to go back to Pattaya 😂😂😂. I was told it's 14 days before I would get a call to tell me whether it was resolved. T.I.T. GLTA

38 minutes ago, InlandSea said:

Exactly. I moved to Bangkok earlier this year. Within a week I went into the nearest Bangkok Bank branch here in Bangkok and told them I had a new address. They copied my passport again, with the updated visa, and copied the new rental contract I brought with my current Bangkok address. I did that of my own volition. Seven months later I get the pop-up app notice everyone else did and had to go back to Pattaya so that branch could do the same. Either the branches or "system" don't share the information or someone really wanted me to go back to Pattaya 😂😂😂. I was told it's 14 days before I would get a call to tell me whether it was resolved. T.I.T. GLTA

I was told by Bangkok Bank (Emporium branch at Phrom Phong) where I openeed my FCD acct, that they have my FCD (paper copy) file, and the Sukhumvit 47 branch has my THB (paper copy) file. So, the Pattaya branch probably never received a copy of your updated passport & visa, even if the BK branch you went to made copies for your address change.

1 hour ago, Mika78 said:

This is what you received?

FB_IMG_1756531311105.jpg

This notice tells the whole story.

1. If one is on a long-stay visa or retirement/marriage extensions, take these steps to unfreeze your acct, and continue using it.

2. If one is on a tourist visa, take these steps to unfreeze your acct, withdraw your money, and then close your acct.

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26 minutes ago, JohnnyBD said:

I was told by Bangkok Bank (Emporium branch at Phrom Phong) where I openeed my FCD acct, that they have my FCD acct file, and that the Sukhumvit 47 branch has my THB acct file. So, the Pattaya branch probably never received a copy of your updated passport & visa, even if the BK branch you went to made copies for your address change.

Interesting. In my case, I only have a Thai baht account. It has my retirement visa deposit plus I use it to pay rent. It's always had only my money (no agent money) and always at least 800k minimum for the visa. I did initially open it on a tourist exemption though I updated that to the retirement visa at a Bangkok branch but didn't go back to Pattaya until I got the account pop-up, as I mentioned. I'm okay comparatively, had backup plans etc. I feel terrible for the guys that have no other funds or had to fly in from abroad on short notice and the front line staffers dealing with it all.

  • Author
1 hour ago, Mika78 said:

This is what you received?

FB_IMG_1756531311105.jpg

Yes, this exactly.

It says processing time 3-5 days, I wait for 10 days already.

  • Author
15 minutes ago, JohnnyBD said:

This notice tells the whole story.

1. If one is on a long-stay visa or retirement/marriage extensions, take these steps to unfreeze your acct, and continue using it.

2. If one is on a tourist visa, take these steps to unfreeze your acct, withdraw your money, and then close your acct.

The moment they open my account, I will transfer all my balance to another bank. I will also ask them to close my account completely. Don’t want anything to do with this Bangkok Bank again. And I advise everybody else to do the same. Something is deeply wrong with this organisation and the way it treats its customers’ money.

4 hours ago, JohnnyBD said:

I got a call last Sat by Bangkok Bank. The lady said she needed some additional docs because I recently changed my address. When I got there, she was waiting. It only took 5 min. She had a big stack of papers in front of her and looked overwhelmed, so I asked what was going on. She said all bank branches were instructed to review every foreigner's file to make sure they had the correct docs, and that they met the latest requirements. I am familiar with the lady who called, but the reason my acct was not frozen is because I'm on a long-term visa. Most, if not all the posts I read about accts being frozen are people who opened them while on tourist visa, visa-exempt or used an agent, but never went back into the bank to update their information after they received their long-stay visa or extensions.

The issue centers around agent related under the table visas accounts and mule accounts. that bank was the primary bank used by agents to fake accts and with the crackdown on mule accounts they have come under close watch and had to take additional steps to clean up. Thats why they created their 4 month rule for deposits against visa applicant account and any account looking suspicious also are pulled into the mess.  A expat lawyer did a video blog about this and went into detail about this. 

44 minutes ago, Hellfire said:

Yes, this exactly.

It says processing time 3-5 days, I wait for 10 days already.

Can ask how you did get it? On the app, mail or SMS? Thank you.

  • Author
5 minutes ago, Mika78 said:

Can ask how you did get it? On the app, mail or SMS? Thank you.

Bangkok Bank mobile app. On 19.08. I think there was also SMS.

 

50 minutes ago, Hellfire said:

The moment they open my account, I will transfer all my balance to another bank. I will also ask them to close my account completely. Don’t want anything to do with this Bangkok Bank again. And I advise everybody else to do the same. Something is deeply wrong with this organisation and the way it treats its customers’ money.

What if the other banks doing something as bad? I know you are angry and its taking longer that it should and illegal I am sure. But I feel its better to have more than one bank. I am keeping my BBL. Also the thing about transfer limit - If you got more bank you can spread overcome the limit by spreading it all. 

1 hour ago, Hellfire said:

The moment they open my account, I will transfer all my balance to another bank. I will also ask them to close my account completely. Don’t want anything to do with this Bangkok Bank again. And I advise everybody else to do the same. Something is deeply wrong with this organisation and the way it treats its customers’ money.

Understandle,  BUT do you expect by unfreezing they allow you to transfer above 50 000 to another bank?  You can of course take the money cash from them ....deposid cash other bank...,keep in mind that taking cash out of country in Thai bill's is also limited long years ago already,must change because that in $,euros,or GBP example

 

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