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Marriage Visa (Non O) extension, bank statement?

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23 minutes ago, Liquorice said:

As foolish as those that choose to keep, 800K in the bank all year around.

Financials for retirement vs Marriage is apples and oranges. 

For retirement given the 800k 2 month + 3 month + not below 400k makes for VERY easy slip ups. 

Hence many just maintain the 800k all year round. 

Marriage is VERY different. Two months seasoning and (perhaps under consideration period) and funds can be used is bullet proof. 

Suggest those maintaining 400k all year round should enrol in opportunity cost 101

 

 

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  • I know quite a few who just set and forget it and leave their 400 000 in an account and don't touch it.    

  • Assuming you don't have another bank account I would suggest you do the plan you stated above.    Leave a balance of 410k in your BBL account and put the rest into Mrs account or wherever. 

  • You base that on, what, a few questions from forum members that represent a fraction of the total expat community in Thailand. I've seen more posts like @Cuchulainn claiming to maintain the 400K

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8 hours ago, DrJack54 said:

Financials for retirement vs Marriage is apples and oranges. 

For retirement given the 800k 2 month + 3 month + not below 400k makes for VERY easy slip ups. 

Hence many just maintain the 800k all year round. 

Marriage is VERY different. Two months seasoning and (perhaps under consideration period) and funds can be used is bullet proof. 

Suggest those maintaining 400k all year round should enrol in opportunity cost 101

 

 

I know quite a few who just set and forget it and leave their 400 000 in an account and don't touch it.

 

 

18 hours ago, DrJack54 said:

What is your current status in Thailand. 

Meaning on annual extension from a Non O or visa exempt entry entry OR? 

If you have extension from a Non O then zero issue

I'm  on a non o marriage 1 year extension   hopefully as you say zero issue. 

17 hours ago, DrJack54 said:

You won't have any issue. Also you do not use banking app. 

Which bank do you use. 

                 Bangkok Bank unfortunately,   

                 Yet surprisingly,  as  none of my details have ever actually  been "verified" I have heard nothing from them during this recent "crackdown"

                 I opened the account whilst on a visa exempt in the good old days about 30 years ago in Khon Kaen.  Since then I have Changed Wives . Changed passport (several times) Moved to a different province. and the phone number I  provide them with is the wife's . 

                 I did inform them of my change of Address  at the Khon kaen branch (eventually) years ago. but no proof was requested or provided and at the same time current Mrs' s  Phone number has replaced the ex's    That was the last time I visited that branch I just use the local branch here in Surin nowadays, although the account is still with the Khon 

                 I also keep my passport details up to date (it would be impossible not to)  but they have no proof as to my current visa status , as they have no way of knowing whether my last application for my 12 month extension was granted or refused I could be here on visa exempt or even on overstay for all they know.

                 Yet the Atm keeps paying out  and my last  (swift) transfer of funds from the UK in early June was received as usual without any issue, despite my UK bank not using my middle name, and unbelievably I have just noticed that the address my Uk bank uses for the payee in Thailand (me)  is the address I use in the UK but with the last line changed from "great britain" to "Thailand"

                  So I guess me and  my account, more than most, should definitely have  been earmarked for "review" 

                  I generally use a policy of "if it aint broke don't fix it" but in this case  I can't decide whether to bite the bullet and go in to the bank of my own accord, and ask them to  update me, or just go in when I require the letter and statement and see what happens.

                  Either way It  will be prudent to take advantage of the full  45days lead in time they allow here before my current extension expires (2 / Dec)  when making my next application . So one way or the other come next week I will be better informed.   I'll also look into an account with another bank or maybe even several banks once I get this sorted

34 minutes ago, Bday Prang said:

So one way or the other come next week I will be better informed.   I'll also look into an account with another bank or maybe even several banks once I get this sorted

Indeed. Do the next extension using BBL. 

Just sign and accept their nonsense form. 

Have read reports of the 4 months dated from date of issue of the "Bank Letter". So just cop it. 

 

Personally I would then open an account with another bank and use that bank moving forward. 

I use Kasikorn as they same as BBL and SCB have larger transfer limit using WISE than some other banks. 

Kasikorn have now closed their branch at CW which is very unfortunate. 

11 minutes ago, DrJack54 said:

Indeed. Do the next extension using BBL. 

Just sign and accept their nonsense form. 

Have read reports of the 4 months dated from date of issue of the "Bank Letter". So just cop it. 

 

Personally I would then open an account with another bank and use that bank moving forward. 

I use Kasikorn as they same as BBL and SCB have larger transfer limit using WISE than some other banks. 

Kasikorn have now closed their branch at CW which is very unfortunate. 

                    Rightly or wrongly I'm not too worried about the dreaded form ,   in the last 12 months since my last extension the lowest my account balance has ever been is just over 500,000,  I topped that up back on 8th of june to just under 1 mil  and its currently standing at  around 820k   

                    I don't normally have that much in the account over here, but  having had a relatively recent cancer diagnosis,  the costs of the ongoing treatment have made me more inclined to keep a bit more cash easily to hand,    I guess every cloud does indeed have a silver lining

                 If they do however still want to freeze my account for 4 months  I will withdraw any funds much above the required 400,000 before requesting the bank letter ,/ signing their form, I might even pay it back in the next day lol

                 Thankfully I don't live in Bangkok and my local immigration here in Surin are really easy to deal with, I'm just hoping they will accept a bank letter / statement  from 1 day before I apply for my extension , although I will update the book at the ATM on the day.  There can be long queues in the bank, and at the amphur for the KR2 and I worry about running out of time, thankfully there are rarely ever queues in the immigration office  

6 hours ago, Bday Prang said:

If they do however still want to freeze my account for 4 months  I will withdraw any funds much above the required 400,000 before requesting the bank letter ,/ signing their form, I might even pay it back in the next day

Good plan. 

Can you update after you do extension. 

3 hours ago, DrJack54 said:

Can you update after you do extension.

               Sorry but you had me scratching my head there for a while, I was thinking, What does he mean update? Up-date  after extension ? update what? bank book? Na, can't be   Bank details,? Na, likewise?   What's he referring to , what on earth  am I missing?   I was genuinely getting worried

              Then suddenly "ping"  It's just hit me in a light bulb moment, at least I hope it has ,because for some reason its been driving me crazy , Its not your fault at all ,its been happening a bit recently, probably one of the side effects of my condition, or the treatment.    So, anyway   please confirm that what you meant was , can I keep you updated as to how it all went, and, answering in advance ,  yes of course I will

4 hours ago, Bday Prang said:

So, anyway   please confirm that what you meant was , can I keep you updated as to how it all went

Yep that's what I meant. 

In the main that the "4 month freeze" starts from date of issue of Letter. Also specifically if it's just the 400k or the whole balance at time of issue etc. 

 

3 hours ago, DrJack54 said:

Yep that's what I meant. 

In the main that the "4 month freeze" starts from date of issue of Letter. Also specifically if it's just the 400k or the whole balance at time of issue etc. 

 

Yeah that's the bit that interests me too, I will report back after I have been to the bank, Probably next week sometime

1 hour ago, Bday Prang said:

Yeah that's the bit that interests me too, I will report back after I have been to the bank, Probably next week sometime

It's been confirmed by multiple that it's 4 months from the date you get the letter, and it's for the full balance in the account at the time the letter is produced. That's because the letter states how much is in the account, so that's how much they freeze.  Best if you can withdraw or transfer any money you need over what immigration requires, get the letter/freeze, and then transfer back if this is an account you use for every day expenses.

21 minutes ago, BrandonJT said:

It's been confirmed by multiple that it's 4 months from the date you get the letter, and it's for the full balance in the account at the time the letter is produced. That's because the letter states how much is in the account, so that's how much they freeze.  Best if you can withdraw or transfer any money you need over what immigration requires, get the letter/freeze, and then transfer back if this is an account you use for every day expenses.

Yeah, it's only withdrawals that are frozen, not transfers into the account.

A friend who signed the affidavit had 460K+ frozen in the account. He then successfully transferred 200K from another account, and tells me then it showed a total balance of 660K+, but only an available balance of 200K.

1 hour ago, Liquorice said:

Yeah, it's only withdrawals that are frozen, not transfers into the account.

A friend who signed the affidavit had 460K+ frozen in the account. He then successfully transferred 200K from another account, and tells me then it showed a total balance of 660K+, but only an available balance of 200K.

          But doesn't this  only apply  to accounts that have recently (within the last 4 months)  been "topped"up ? to meet immigrations requirements? In my case  I need 400k for marriage  extension

          My account , which I also use for general day to day stuff has not dropped below 500k all year, and 

The last time I topped it up with funds from the UK was on the 8th of July Its balance at the time, in round figures, was 600k  and I transferred 400k resulting in an account balance of just under  1 million baht on the 8th of july. Of  course it has dropped a bit since then and  is currently  around 830k

 

My current extension expires on the 2nd of December and immigration here will accept applications for renewals up to 45 days prior to this so i could apply  from around the 20th october  (next monday) onwards,  when I will probably still have a balance in excess of just over 800k

 

So in your opinion will I get frozen?   maybe not because ...

1)         I have never dropped below my required 400k all year

2)         If I wait until after the 8th of November it will then be over 4 months since I last funded my account so should that not prevent it?

  

Or are you saying  I can expect it to be frozen simply for making any withdrawals during the 4 months prior to requesting the letter, regardless of the remaining balance ? 

 

At the end of the day its not a big issue, I will just withdraw 300k or transfer it to my Mrs' account prior to requesting the letter but I'd rather not bother doing that if I can help it

 

Any advice would be welcome

12 minutes ago, Bday Prang said:

At the end of the day its not a big issue, I will just withdraw 300k or transfer it to my Mrs' account prior to requesting the letter but I'd rather not bother doing that if I can help it

Assuming you don't have another bank account I would suggest you do the plan you stated above. 

 

Leave a balance of 410k in your BBL account and put the rest into Mrs account or wherever. 

 

With BBL making up random rules

 don't give the mugs half a chance. 

  • 2 weeks later...
On 10/13/2025 at 8:18 PM, DrJack54 said:

Good plan. 

Can you update after you do extension. 

           As requested here's what happened at the Bangkok Bank today,    My account , more by luck than by judgement  had not dropped below 520k all year (since my last extension) and I  have topped it up several times  to cover some medical expenses, the last top up was on 7th July . when it was down to 520k and after the top up, it contained 970K     today it was showing 820K.  

           I was not expecting any problem regarding  the balance as I only needed 400k in the account  and sure enough when I told the girl I was on a marriage extension she confirmed all was ok . No "freezing" required

          I asked what would be the situation if I was on a retirement extension and needed to show 800k  she replied that if that was the case they would indeed "freeze" my funds for 4 months from today,  but only the  800k would be frozen,  I could still access the remaining 20k and / or  any other funds I might subsequently transfer into the account.

          She also added that in that situation she would have advised me to wait, if possible , until the 8th of November before asking for the letter, as by then the 800k would have been seasoned for the required 4 months my extension is due on 2nd December so that would have been an easy solution

            Friendly and efficient service throughout I might add

 

           A few  nights ago  I watched a horror story regarding a BBL customer  whose account had been locked due to the name on his Sim card  not matching the name on his account,  he had also moved from Chiang Mai to Chachoengsao and they were insisting he had to return to his original branch to update this, I have always used the wife's phone number so I was a little concerned about that. To the extent that yesterday  I went to the  AIS shop  and changed the name on the sim I use  , which is an old one that my wife gave me ,  to match my account name. Hoping to avert any issues.

        In reality,  I need not have bothered,     as I signed the forms in the bank relating to my request for the statement and " the  letter"  the girl asked me for a contact phone no. A little worried, I said I have just got a new phone number and can't remember it. to which she replied no problem just use your wife's number, is it the same as before?  Yes I replied , and that was it,  all done and dusted. However I do not use their "APP" or internet banking so that may have given me some leeway regarding Phone numbers

         As always I imagine details can vary from branch to branch, the branch I use is the nearest one to the immigration office now,  since the branch directly opposite was shut down a few years ago 

 

               

  • 2 weeks later...
On 10/11/2025 at 10:39 PM, DrJack54 said:

Would suggest very few guys on marriage extension maintain the 400k all year round. 

I do, it's just been sat there for 5 years now, 
no point taking it out now
it just sits in a separate account i never touch (never use any of my bank accounts really)
also embassies outside TH now asking for proof of funds
removing it from account and then adding it again later does not really achieve much if the money is not needed
It would also indicate you have an income which may then be questioned
I do not like it being in the bank at all
but it is what it is.

and yes they do ask why no transactions,
and my reply is simply money is kept separate so i don't spend it.

6 minutes ago, patman30 said:

I do, it's just been sat there for 5 years now, 
no point taking it out now
it just sits in a separate account i never touch (never use any of my bank accounts really)
also embassies outside TH now asking for proof of funds

Just taking one point. 

Embassies have nothing to do with things if you are doing annual extensions. 

400k left in bank is a personal choice. 

IMO a poor option. 

You must have Thai wife (400k) make sure you have a will. 

The 400k does not necessarily ensure easy access for wife. 

 

You need money to live off.... why not consided income method. 

40k per month. 

Can all be done online banking from home country. 

No need to visit bank. 

Only visit for annual extension, bank letter and bank statement. 

Not difficult. 

 

13 hours ago, DrJack54 said:

Just taking one point. 

Embassies have nothing to do with things if you are doing annual extensions. 

400k left in bank is a personal choice. 

IMO a poor option. 

You must have Thai wife (400k) make sure you have a will. 

The 400k does not necessarily ensure easy access for wife. 

 

You need money to live off.... why not consided income method. 

40k per month. 

Can all be done online banking from home country. 

No need to visit bank. 

Only visit for annual extension, bank letter and bank statement. 

Not difficult. 

 

I'm pretty sure the bank will allow the wife to sign the bank book giving her access to the account if need be.

 

I've read it here several times.

Apparently you can only see the signature under a UV light.

10 minutes ago, Will27 said:

I'm pretty sure the bank will allow the wife to sign the bank book giving her access to the account if need be.

 

I've read it here several times.

Apparently you can only see the signature under a UV light.

What you outline is correct. 

Referred to as "signatory" 

I tried to do that at Kasikorn and was a no go because my long term thai partner and myself are not married. 

Was told: "you need to be married for wife sign"

 

The thing is once husband passes it's not (should not) be possible to access the account even for the signatory. 

58 minutes ago, Will27 said:

I'm pretty sure the bank will allow the wife to sign the bank book giving her access to the account if need be.

 

I've read it here several times.

Apparently you can only see the signature under a UV light.

I already replied addressing each point in that comment
My wife is not dependant on the 400k I "foolishly" leave in my bank.
But afaik you are correct, from what I have read,
depending which bank up to 100k-500k can be accessed by wife with just I.D and marriage cert,
If no will the wife is entitled to a share, if you have children and no other heirs
The wife is entitled to an even split with the children.
Bank accounts are treated as movable property, so they follow these inheritance rules.

On 10/11/2025 at 11:30 PM, Liquorice said:

As foolish as those that choose to keep, 800K in the bank all year around.
Having a different opinion is not trolling.

 

Exactly this, 100% agree.

1 hour ago, patman30 said:

But afaik you are correct, from what I have read,
depending which bank up to 100k-500k can be accessed by wife with just I.D and marriage cert,
If no will the wife is entitled to a share, if you have children and no other heirs
The wife is entitled to an even split with the children.
Bank accounts are treated as movable property, so they follow these inheritance rules.

Completely incorrect. 

There are numerous threads (in other forums such as "marriage/divorcd") and so many posts with incorrect information. 

 

Best advice is either 

1. Have a Thai WILL... OR

2. Set yourself up with zero assets in your name. The bank account in your name only maintain minimal balance + any other assets in wife's name. 

 

It's true that if you die without a WILL (intestate) then your wife will eventually have access to the funds in the bank account. 

 

 

 

17 minutes ago, DrJack54 said:

Completely incorrect. 

There are numerous threads (in other forums such as "marriage/divorcd") and so many posts with incorrect information. 

 

Best advice is either 

1. Have a Thai WILL... OR

2. Set yourself up with zero assets in your name. The bank account in your name only maintain minimal balance + any other assets in wife's name. 

It's true that if you die without a WILL (intestate) then your wife will eventually have access to the funds in the bank account. 

How is it completely incorrect?

as for the advice 
1. I do not need a will as outlined above
2. already done.

from what i have read
the wife will only gain access to her share of the funds she is entitled to if there is no will,
not  "the funds" implying all,
and there may be hoops to jump through if above certain amounts.

*This is NOT a troll post.

Screenshot 2025-11-13 084532.png

Screenshot 2025-11-13 084552.png

Might be useful, this is the latest requirements for marriage extension, a printed list given out to applicants at my office. Much the same as before, except a witness house book and ID card printed off and signed, to be included with all the other stuff at the time of application, they do not have to attend..

This person does not have to attend the house visit, but can, or another, which happened in my caseimage0.jpg.03dcd40c9878bc242a3ae7770de6b0b1.jpg....

 

12 minutes ago, transam said:

Might be useful, this is the latest requirements for marriage extension, a printed list given out to applicants at my office. Much the same as before, except a witness house book and ID card printed off and signed, to be included with all the other stuff at the time of application, they do not have to attend..

This person does not have to attend the house visit, but can, or another, which happened in my caseimage0.jpg.03dcd40c9878bc242a3ae7770de6b0b1.jpg....

 

Thanks for this, doing mine 2moz, so may get this just in case they ask where I am

2 minutes ago, patman30 said:

Thanks for this, doing mine 2moz, so may get this just in case they ask where I am

Good luck....😊

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