I have two BBl normal savings accounts in my name only

One for expenses/ATM and another with  a few thousand more than 800k strictly for extension I do not intend to touch at all during the year.

And importantly I did my Non-O one year extension of stay in CM less than two months ago

 

Well today I am sitting on my dumb rump while watching tv

Paying a contractor some 6500 baht via mobile banking app and due  my error accidently paid from the 800k account

Noooo ......I went below 800k baht for a few minutes 

 

If one considers the funds in the daily expenses account plus the second account my savings never went below 800k but

am I screwed? Can two accounts in my name only be considered to grant a one year extension based on retirement?

 

7 minutes ago, Asean Tiger said:

If one considers the funds in the daily expenses account plus the second account my savings never went below 800k but

am I screwed? Can two accounts in my name only be considered to grant a one year extension based on retirement?

Yes two accounts can be used. 

The small inconvenience is that you will need two bank letters. 

If the accounts are with same bank then they will provide one letter listing both accounts. 

 

Note the balance in the everyday account would need to be sufficient to cover the short fall in the 800k at the time you withdrew the 6500. 

5 minutes ago, Asean Tiger said:

If one considers the funds in the daily expenses account plus the second account my savings never went below 800k but

am I screwed?

No. If you deposited funds back into the account on the same day, the error could be overlooked, or alternatively at worst you would have to provide evidence from both accounts.

 

9 minutes ago, Asean Tiger said:

Well today I am sitting on my dumb rump while watching tv

Paying a contractor some 6500 baht via mobile banking app and due  my error accidently paid from the 800k account

Noooo ......I went below 800k baht for a few minutes 

If you don't touch the 800K throughout the year, then you're as well to put those funds in a Fixed term deposit account, to avoid such mistakes and earn a better interest rate.

 

6 minutes ago, DrJack54 said:

Yes two accounts can be used. 

The small inconvenience is that you will need two bank letters. 

If the accounts are with same bank then they will provide one letter listing both accounts

Thanks Dr., and twelve month statement for both I assume

My retirement account has no ATM card  and although I see the balance on the mobile app

I really had no idea it could be selected for payments from mobile banking,

My intention is to keep the 800k balance safe and only accessible by branch visit show passport

Feeling dopey....I will be more careful

 

5 minutes ago, Asean Tiger said:

 

Thanks Dr., and twelve month statement for both I assume

My retirement account has no ATM card  and although I see the balance on the mobile app

I really had no idea it could be selected for payments from mobile banking,

My intention is to keep the 800k balance safe and only accessible by branch visit show passport

Feeling dopey....I will be more careful

 

On Bkk Bank app you can lock it so nothing can go out via app or card unless you over-ride it.

I'm not sure, but have fun worrying about it for the next year...

24 minutes ago, Asean Tiger said:

Feeling dopey....I will be more careful

Don't. I'm in exactly same boat.. 

When I did current extension (last Nov) ... I came home as said to tgf

"All good for another year" 

She then went to the ATM front of our condo and withdrew 2500. That put me under the 800k

To answer your question re bank statements etc... 

Personally, I'm obtaining bank letter and 12 month bank statement for each account. 

Overkill? Most likely however they seem more strict each year. 

The letters and statement can be obtained day or two prior to attending immigration

 

31 minutes ago, Liquorice said:

 

 

If you don't touch the 800K throughout the year, then you're as well to put those funds in a Fixed term deposit account, to avoid such mistakes and earn a better interest rate.

I had already planned to gird my loins and assail some Kasikorns to see if they would accept me

I hear good things about them,  supposedly can do 12 month statement same day and a branch nearby in Maya Shopping mall. 

 

23 minutes ago, Mark1969 said:

I'm not sure, but have fun worrying about it for the next year...

I actually go to US frequently very easy to get a Non-O online from Consulate and start again so no biggy really. Next summer is a long way off too

9 minutes ago, Asean Tiger said:

I had already planned to gird my loins and assail some Kasikorns to see if they would accept me

I hear good things about them,  can do 12 month statement same day and nice branch nearby in Maya Shopping mall

Swings and roundabouts.
Whilst KK can issue a 12 month statement on the spot, you need to make a deposit to update the account.
Bangkok Bank can update without any transaction, but 12 month statements have to be ordered in advance from HQ.

 

All 3 of my local KK branches are in difficult locations to park and offer no disabled access.
None of the staff speak even broken English, so we had to go through their helpline for translation and trying to get in touch with them was another issue.
I was being charged for SMS texts, but never received any, and I could never log into the internet banking without them resetting the system.
Eventually, I gave up as the effort and hassle just wasn't worth it.

Mileage may vary by available branches.

25 minutes ago, KannikaP said:

On Bkk Bank app you can lock it so nothing can go out via app or card unless you over-ride it.

KPlus has a lock feature on it also, but to unlock one needs to visit a bank to do so.

To avoid such a situation I have set all Limits to zero for my Immigration Bank Account with BBL, no chance to pull or transfer any Money out by mistake.

26 minutes ago, Asean Tiger said:

I actually go to US frequently very easy to get a Non-O online from Consulate and start again so no biggy really. Next summer is a long way off too

That is an option if you didn't have the second account with sufficient to cover shortfall. 

You mentioned shortfall was "few minutes" In reality it's highly unlikely that they would refuse your extension. 

Re your reference to Kasikorn... It's only BBL that takes days to provide 12 month bank statement. 

Other banks can do it on the spot. 

 

Note: The process at the branch does take time say 40mins.

Suggest folk obtain bank statement day or two prior and on day of application update bank book. 

1 minute ago, UWEB said:

To avoid such a situation I have set all Limits to zero for my Immigration Bank Account with BBL, no chance to pull or transfer any Money out by mistake.

Thats a sensible plan. 

Even better IMO is to eventually  use income method. 

I'm moving to that method and the transfer lands once a month and is moved into partners account. 

No need for WILL. No money locked up in the account. 

2 minutes ago, DrJack54 said:

Note: The process at the branch does take time say 40mins.

Suggest folk obtain bank statement day or two prior 

Depends on the Immigration office.
Roi Et insist statement, updated passbook, letter all dated the same day as submission, and that the totals on all 3 match.

1 minute ago, Liquorice said:

Depends on the Immigration office.
Roi Et insist statement, updated passbook, letter all dated the same day as submission, and that the totals on all 3 match.

There are always Wacky immigration offices. 

The statement and letter is valid for 7 days and are used at "normal offices" 

We all need to be aware of the games various offices play. 

28 minutes ago, Asean Tiger said:

actually go to US frequently very easy to get a Non-O online from Consulate and start again so no biggy really. Next summer is a long way off too

When is your next extension due? Are you within the seven month window to maintain above 400k?

1 minute ago, novacova said:

When is your next extension due? Are you within the seven month window to maintain above 400k?

 

He was not compliant. 

From the OP,..... " I did my Non-O one year extension of stay in CM less than two months ago"

 

 

6 minutes ago, novacova said:

When is your next extension due? Are you within the seven month window to maintain above 400k?

No I just did extension about 2 months ago understand 800k must be maintained until 3 months after hence one may withdraw down to 400k until 2 months prior to next extension. Correct?

8 minutes ago, DrJack54 said:

No need for WILL. No money locked up in the account. 

A Will isn't just about naming a beneficiary, it's also naming an executor to deal with your affairs after death.
Wats need permission from your Embassy to cremate or bury a foreigner and deal with an executor or a family member, not unmarried partners.

2 minutes ago, Asean Tiger said:

800k must be maintained until 3 months after hence one may withdraw down to 400k until 2 months prior to next extension. 

Correct. 

And as you would be aware many using money in bank method just leave bank book in draw for the year. 

Similar to FD account. 

12 minutes ago, Asean Tiger said:

No I just did extension about 2 months ago understand 800k must be maintained until 3 months after hence one may withdraw down to 400k until 2 months prior to next extension. 

 

1 hour ago, Asean Tiger said:

.I went below 800k baht for a few minutes 

Then if you don’t have another bank account to cover the total required amount then print out your bank statement and go to the information desk at the IO and tell them what you did and ask if it will fly when you do your extension. You won’t need a number for this at cm, just go to info desk.

23 minutes ago, DrJack54 said:

Thats a sensible plan. 

Even better IMO is to eventually  use income method. 

I'm moving to that method and the transfer lands once a month and is moved into partners account. 

No need for WILL. No money locked up in the account. 

Would she be able to access our Joint account legally after I kick it?

10 minutes ago, Liquorice said:

A Will isn't just about naming a beneficiary, it's also naming an executor to deal with your affairs after death.

I was addressing banking issue alone. 

As for the things you list, I'm well aware of what's required and have that in place. 

1 minute ago, KannikaP said:

Would she be able to access our Joint account legally after I kick it?

Don't see how a joint account can be used for extensions unless you are referring to wife as a silent signatory. 

This topic has been discussed over and over in other forums. 

Opinions are varied. 

I take the thinking that I won't be around to set things straight so need bullet proof. 

Also want instant access to funds for partner. 

That's all for another thread/forum 

2 hours ago, Asean Tiger said:

I have two BBl normal savings accounts in my name only

One for expenses/ATM and another with  a few thousand more than 800k strictly for extension I do not intend to touch at all during the year.

And importantly I did my Non-O one year extension of stay in CM less than two months ago

 

Well today I am sitting on my dumb rump while watching tv

Paying a contractor some 6500 baht via mobile banking app and due  my error accidently paid from the 800k account

Noooo ......I went below 800k baht for a few minutes 

 

If one considers the funds in the daily expenses account plus the second account my savings never went below 800k but

am I screwed? Can two accounts in my name only be considered to grant a one year extension based on retirement?

 

If you make regular monthly deposits from overseas in order to service your expenses account , then you do not need to keep ฿800,000 locked up , you can obtain a 1 year retirement visa extension using a combination of income and savings , provided that the sum of both equal or exceeds the aforementioned amount...

Just a thought for your consideration...

2 hours ago, Asean Tiger said:

I really had no idea it could be selected for payments from mobile banking,

 

In the meantime, use the account edit function to change the account nicknames that appears on the app.

 

Set your spending account to "Daily Spending - ATM" and your 800K account to "Immigration 800K".  These names will appear on the dropdown menu when you select an account.

On 9/10/2025 at 11:25 AM, novacova said:

 

Then if you don’t have another bank account to cover the total required amount then print out your bank statement and go to the information desk at the IO and tell them what you did and ask if it will fly when you do your extension. You won’t need a number for this at cm, just go to info desk.

I do have another account so my total savings never went below 800k baht, but I updated today my Extension purpose bankbook went momentarily to 799,867.20 baht!

 

On 9/10/2025 at 10:26 AM, Liquorice said:

 

 

If you don't touch the 800K throughout the year, then you're as well to put those funds in a Fixed term deposit account, to avoid such mistakes and earn a better interest rate.

 From yesterday opened Kasikorn fixed account with 1000 baht. Plan to fund it fully prior to next extension. 

1 hour ago, Asean Tiger said:

From yesterday opened Kasikorn fixed account with 1000 baht. Plan to fund it fully prior to next extension. 

You have something else to consider. 

For next extension you will already be providing 2 BBL accounts to cover your "slip up" With balance. 

I wouldn't introduce a third by transferring the 800k to the FD account prior to next extension. 

3 hours ago, DrJack54 said:

You have something else to consider. 

For next extension you will already be providing 2 BBL accounts to cover your "slip up" With balance. 

I wouldn't introduce a third by transferring the 800k to the FD account prior to next extension. 

I thought that too today. Better to wait. I locked the account so it wont happen again.

8 hours ago, DrJack54 said:

You have something else to consider. 

For next extension you will already be providing 2 BBL accounts to cover your "slip up" With balance. 

I wouldn't introduce a third by transferring the 800k to the FD account prior to next extension. 

Something new to consider, but not related to the Op because of timing.

What happens if someone wants to use 2 Bangkok Bank accounts for immigration with funds that are not 4 months old?  Is BB going to lock funds in BOTH accounts for 4 months? How much would be locked in each account? What a headache this new policy is.