If you make monthly transfers of 40k/65k for your marriage/retirement extensions, please be aware that you may no longer be able to do so through Wise unless you can prove your right to live in Thailand to their satisfaction. In practice this only appears guaranteed if you possess a Thai driving licence.

 

Further details in this thread on the Banking forum:

 

https://aseannow.com/topic/1374328-proof-of-address-for-wise/

 

Thank goodness I switched to the 800k method for my retirement extensions back in 2022, since by not having a Thai driving licence there appears to be no way in which I can prove my right to live in Thailand! That said, however, there are, of course, alternatives to Wise for making monthly 40k/65k transfers.

 

Right to live?

That's new.

Would mean some document from immigration. Who else could testify?

 

I needed a proof of address about five years ago when I opened the account. I think it was a letter from pension office or home country bank.

Never heard about it again.

You refer to a thread about proof of address.

Of course you need like with any other bank/fintech.

 

But "right to live"?

Do have any reference?

 

1 hour ago, KhunBENQ said:

Do have any reference?

 

https://wise.com/help/articles/3xConsbhr7buWkQuqDEQ5V/how-does-wise-verify-the-country-i-live-in

 

As I stated in the Banking forum thread, Wise first asked me for proof of my address (as per the thread title). They then decided that this wasn't enough, so they asked me for proof of my personal identity. However, that, too, turned out to be insufficient, and I was then asked for proof of my right to live in Thailand, as described in the link above.

 

Wise have made it clear to me that, unless I provide them with satisfactory proof of my right to live in Thailand by 24 October (no way I can do this, though), they will be deactivating my account with them from this date.

 

In this connection, I doubt whether a "residence permit" as issued by an immigration office would do the trick as these are, I gather, issued solely in the Thai language. And we can probably go whistle for anything suitable from our home country embassies these days.

 

14 minutes ago, OJAS said:

I was then asked for proof of my right to live in Thailand, as described in the link above.

 

 

 

 

so having a driver licence gives one a right to live in Thailand... why do we even bother with permission to stay extensions! 

So what about your passport with the relevant Thai Immigration stamps inside? (All in English language.)

15 minutes ago, mfd101 said:

So what about your passport with the relevant Thai Immigration stamps inside? (All in English language.)

 

Seemingly no good, it would appear. As @Caldera stated in the related Banking forum thread:

"The extension of stay stamp isn't acceptable because there's no notation of your personal details on it. They'd basically have to take your word that the stamp is in your own passport."

 

6 minutes ago, OJAS said:

 

Seemingly no good, it would appear. As @Caldera stated in the related Banking forum thread:

"The extension of stay stamp isn't acceptable because there's no notation of your personal details on it. They'd basically have to take your word that the stamp is in your own passport."

 

Your passport has a number unique to that passport.
A copy of the passport home ID page, copy of visa, and copy of extension can all be identified as belonging to the same person by the passport number printed on each and every page.

 

Of course, we only have temporary permission of stay regardless.

 

From the link;

How does Wise verify the country I live in?

If the document used to verify your identity isn't issued by the country you live in, we may need proof that you’re allowed to live there.

When we verify the country you live in, we ask you to provide an additional identification document (ID) issued by the government of that country.

This is different from a proof of address — we can only accept documents issued by a government institution proving your right to live in the country.

If you reside in Europe, we can accept your right to reside within any country in the European Economic Area.

Documents we accept

We can accept the following documents to verify the country you live in:

• Passport

• Driving licence

• National ID card

• Residence permit

• Visa

• Some refugee identity documents.

Thai Driving licence or Yellow house book and pink Thai ID card would appear to suffice.
Both have photo ID.

1 minute ago, Liquorice said:

Your passport has a number unique to that passport.
A copy of the passport home ID page, copy of visa, and copy of extension can all be identified as belonging to the same person by the passport number printed on each and every page.

 

Of course, we only have temporary permission of stay regardless.

 

From the link;

How does Wise verify the country I live in?

If the document used to verify your identity isn't issued by the country you live in, we may need proof that you’re allowed to live there.

When we verify the country you live in, we ask you to provide an additional identification document (ID) issued by the government of that country.

This is different from a proof of address — we can only accept documents issued by a government institution proving your right to live in the country.

If you reside in Europe, we can accept your right to reside within any country in the European Economic Area.

Documents we accept

We can accept the following documents to verify the country you live in:

• Passport

• Driving licence

• National ID card

• Residence permit

• Visa

• Some refugee identity documents.

Thai Driving licence or Yellow house book and pink Thai ID card would appear to suffice.
Both have photo ID.

 

So they accept a copy of a visa but not extension ?

 

Are visa's issued in Thailand ?

1 minute ago, Ralf001 said:

So they accept a copy of a visa but not extension ?

I never stated that!

1 minute ago, Liquorice said:

I never stated that!

 

My bad, someone else must have posted this.

 

 

I'm having zero issues with my WISE transfers to my Thai Bank 

5 minutes ago, Ralf001 said:

 

My bad, someone else must have posted this.

 

 

Wise posted that.

 

I stated;

12 minutes ago, Liquorice said:

Your passport has a number unique to that passport.
A copy of the passport home ID page, copy of visa, and copy of extension can all be identified as belonging to the same person by the passport number printed on each and every page.

 

I used WISE for a couple of small crypto transations a couple of years ago - a year later I was questiond in detail about that I answered honestly and was given a warning. I thinlk they were a major source of dodgy international money laundering for quite some time and they got collared. 

 

What happened with Wise

In July 2025, Wise US (a U.S. subsidiary of Wise PLC) agreed to a $4.2 million settlement with six U.S. state financial regulators over violations of the Bank Secrecy Act and anti-money laundering (AML) compliance rules.

Regulators found that between July 2022 and September 2023, some required compliance controls — like customer due diligence, monitoring, and reporting — weren’t fully in place.

As part of the settlement, Wise US must fix the deficiencies, hire a third party to verify the fixes, conduct a lookback review, and file quarterly reports for two years.

In Europe, regulators also criticized Wise. For example, Belgium’s central bank found in 2022 that Wise Europe lacked sufficient proof of address for many customers, which is an AML requirement.

In the UK, Wise reported to authorities that due to a policy gap, a sanctioned customer was able to make a small cash withdrawal. The company corrected the issue and updated its policies.

Separately, in the U.S., Wise was also fined about $2.5 million for issues related to remittances, such as misleading fee disclosures and failing to provide refunds on time. These weren’t money laundering charges, but they added to regulatory scrutiny.

30 minutes ago, beautifulthailand99 said:

I used WISE for a couple of small crypto transations a couple of years ago - a year later I was questiond in detail about that I answered honestly and was given a warning. I thinlk they were a major source of dodgy international money laundering for quite some time and they got collared. 

 

What happened with Wise

In July 2025, Wise US (a U.S. subsidiary of Wise PLC) agreed to a $4.2 million settlement with six U.S. state financial regulators over violations of the Bank Secrecy Act and anti-money laundering (AML) compliance rules.

Regulators found that between July 2022 and September 2023, some required compliance controls — like customer due diligence, monitoring, and reporting — weren’t fully in place.

As part of the settlement, Wise US must fix the deficiencies, hire a third party to verify the fixes, conduct a lookback review, and file quarterly reports for two years.

In Europe, regulators also criticized Wise. For example, Belgium’s central bank found in 2022 that Wise Europe lacked sufficient proof of address for many customers, which is an AML requirement.

In the UK, Wise reported to authorities that due to a policy gap, a sanctioned customer was able to make a small cash withdrawal. The company corrected the issue and updated its policies.

Separately, in the U.S., Wise was also fined about $2.5 million for issues related to remittances, such as misleading fee disclosures and failing to provide refunds on time. These weren’t money laundering charges, but they added to regulatory scrutiny.

 

Interesting. Wonder whether all this might lie behind Wise's requests for proofs of address, personal ID & right to live in Thailand? That coupled with their recent decision to relocate their centre of operations from London to New York??

 

5  days ago, Wise just sent me an e-mail to ask me to confirm my address in Thailand, that's all 

so I did it and they answered  that maybe in future they may ask other informations 

I've had no problems with monthly transfers from Oz using Wise. Until today.

 

First the monies I ordered up yesterday would normally arrive in my account here at just after 1400 today. But this morning they sent me an apologetic message (the first I've ever had from them) saying they were snowed under with work and my monies will arrive tomorrow at the usual time. 

 

This didn't bother me though I did think: Just as well I'm not counting on that particular order for urgent delivery today! 

 

But then, a few minutes ago, I got the never-before request for proof that my address here in Thailand is my permanent one. I've given them the preliminary response on their site as requested but in expectation of a further request I have listed my p/p front page + current renewal-of-stay stamp, my Pacific Cross insurance receipt which shows my address clearly, and my Thai driver's licence. Should be enough, I think, and will despatch them when the expected follow-up arrives. I have other docos that could also do the trick eg front page of my Oz will & enduring power of attorney ... 

 

The important thing for AN users is not to get all distressed & start shouting at Wise. They are merely doing what all financial organisations worldwide are being forced to do by governments everywhere because of increasing scams in all countries. 

Seems to be a lot of misinformation, incorrect terms and little substantiation of claims made.

 

CLOSED