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Maintaining Dormant Thai Bank Accounts

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Not sure if this will be useful to anyone else, but I have a couple of Thai bank accounts that I opened years ago and want to keep for the future, even though I have no plans to use them again at the moment. To stop them from going dormant and to avoid monthly service charges or possible closure, I have now set up scheduled transfers between the accounts instead of moving money manually in and out a couple of times per year as I was doing before.

 

Through each bank’s app, I scheduled 12 transfers for the year (the maximum advance period allowed for scheduled payments), one per month, with ฿10 going from one account to the other. On the first of every month, each account sends ฿10 to the other. The net balance in both accounts stays the same, but there is consistent activity.

 

It cost nothing and only took a few minutes to setup. Could be handy if you also have Thai bank accounts you do not use often but still want to keep active without having to remember to manually do transactions on the accounts from time to time. 

 

I happen to have two inactive accounts, so I set up the automatic transfers between the two. But if you have just one active account and one inactive account, you could set up the same thing between them to effortlessly keep the inactive one active.

All you need is a minimum balance, no need for transfers, i have 5k in Bangkok Bank haven't used it in years

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  • Popular Post

Some banks, like KBank, mark accounts as dormant after a year of no activity, regardless of the balance I believe. This is mainly to ensure the account holder is still active, not to penalize you. If you plan to keep the account, maintaining a very small balance with occasional transactions avoids dormancy and fees without having to keep a 5K balance in an account you haven't used in years. 

Here is an example of nastiness from the USA on maintaining a dormant account.  when I moved to Florida I opened a savings account with citibank.  I put 600 USD in it.  Had no intent to use it, just to let it sit there as a reference and accrue interest.  My primary banking is with Etrade.  After about two years and having moved a bit between condos I finally took a look at the savings account.  A Dormant usage fee was deducted every year! 30 USD a year was taken out.  So here was an account that needed nothing, yet they went out of their way to take money out of it!

 

  I got a hold of a manager and relayed how during WW 2 this is one way thousands and thousands of accounts were drained away as the people were unable to access their accounts due to imprisonment, etc.   I closed that account

28 minutes ago, FriscoKid said:

Some banks, like KBank, mark accounts as dormant after a year of no activity, regardless of the balance I believe. This is mainly to ensure the account holder is still active, not to penalize you. If you plan to keep the account, maintaining a very small balance with occasional transactions avoids dormancy and fees without having to keep a 5K balance in an account you haven't used in years. 

You're right, i just checked Deepseek and it agreed with you for both BB and Kasikorn, weird though because mine is still opened and functioning

2 hours ago, scubascuba3 said:
2 hours ago, FriscoKid said:

Some banks, like KBank, mark accounts as dormant after a year of no activity, regardless of the balance I believe. This is mainly to ensure the account holder is still active, not to penalize you. If you plan to keep the account, maintaining a very small balance with occasional transactions avoids dormancy and fees without having to keep a 5K balance in an account you haven't used in years. 

You're right, i just checked Deepseek and it agreed with you for both BB and Kasikorn, weird though because mine is still opened and functioning

 

KBank inactivity fees are triggered if balance < 2K THB: "Baht 50 per month for an account inactive for more than one year, with outstanding balance of less than Baht 2,000".

Just cancel the debit card associated with the account so you don’t have to pay the yearly fee, then put a few thousand baht in it. Presto, should be fine, unless they freeze it for other reasons. 

  • Author
On 9/30/2025 at 12:13 PM, Everyman said:

Just cancel the debit card associated with the account so you don’t have to pay the yearly fee, then put a few thousand baht in it. Presto, should be fine, unless they freeze it for other reasons. 

 

I haven’t had debit cards on these two dormant accounts for years. There’s also no need to keep a few thousand baht sitting in them either if you do regular transfers on the accounts. I’ve already scheduled mine to run transfers automatically once a month for the next 12 months between the two accounts, as I mentioned in my OP.

On 9/30/2025 at 4:26 AM, FriscoKid said:

Not sure if this will be useful to anyone else, but I have a couple of Thai bank accounts that I opened years ago and want to keep for the future, even though I have no plans to use them again at the moment. To stop them from going dormant and to avoid monthly service charges or possible closure, I have now set up scheduled transfers between the accounts instead of moving money manually in and out a couple of times per year as I was doing before.

 

Through each bank’s app, I scheduled 12 transfers for the year (the maximum advance period allowed for scheduled payments), one per month, with ฿10 going from one account to the other. On the first of every month, each account sends ฿10 to the other. The net balance in both accounts stays the same, but there is consistent activity.

 

It cost nothing and only took a few minutes to setup. Could be handy if you also have Thai bank accounts you do not use often but still want to keep active without having to remember to manually do transactions on the accounts from time to time. 

 

I happen to have two inactive accounts, so I set up the automatic transfers between the two. But if you have just one active account and one inactive account, you could set up the same thing between them to effortlessly keep the inactive one active.

I pay in 1000 baht every december

If you are putting money in/taking it out then surely it's not a dormant account but an active one.

  • Author
22 hours ago, lungbing said:

If you are putting money in/taking it out then surely it's not a dormant account but an active one.


That's the point. To prevent an account you are otherwise not using at all from going into dormant status and getting locked or charged service fees by the bank for low balance and inactivity.  

Bangkok Bank requires a balance of 2,000 baht and if below after 12 months of no activity will charge a 50 baht/month fee until exhausted then closed…

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