1 hour ago, couchpotato said:

Absolute rubbish...have transferred probably 50 times since July....2 larger amounts needed face scan..easy to do.

There we go..from ms/Mr absolute rubbish 

1 hour ago, pixelaoffy said:

There we go..from ms/Mr absolute rubbish 

Since I think everybody else in this thread has said not an issue for them where would you put the problem............

 

I don't know if it's you or the system but until you go and try and sort it out at a branch it would suggest it's you......lashing out at others isn't going to solve it so what are you gonna do..............

20 hours ago, topt said:

Since I think everybody else in this thread has said not an issue for them where would you put the problem............

 

I don't know if it's you or the system but until you go and try and sort it out at a branch it would suggest it's you......lashing out at others isn't going to solve it so what are you gonna do..............

Wrong ! Others in this thread  have had problems.  So stick to facts

23 hours ago, couchpotato said:

Absolute rubbish...have transferred probably 50 times since July....2 larger amounts needed face scan..easy to do.

There we go..from ms/Mr absolute rubbish 

22 hours ago, pixelaoffy said:

There we go..from ms/Mr absolute rubbish 

 

 

You don't deserve help you ungrateful Oik !

11 hours ago, hotandsticky said:

 

 

You don't deserve help you ungrateful Oik !

You never offered help.  And Infact you you make a career of attacking people with your comments.    Coward troll 

5 minutes ago, pixelaoffy said:

You never offered help.  And Infact you you make a career of attacking people with your comments.    Coward troll 

 

 

Thanks for proving my point.

28 minutes ago, hotandsticky said:

 

 

Thanks for proving my point.

His point is spot on, when have you ever offered any useful advice,  ''Liverpool Lou's'' sidekick.  Another of the ''I've lived here....years and never happened to me'' club.

5 minutes ago, brianburi said:

His point is spot on, when have you ever offered any useful advice,  ''Liverpool Lou's'' sidekick.  Another of the ''I've lived here....years and never happened to me'' club.

 

 

If you had been around a bit longer you would know.............. and much of that advice over the last 20 years is from my own experience and mistakes

10 hours ago, hotandsticky said:

 

 

If you had been around a bit longer you would know.............. and much of that advice over the last 20 years is from my own experience and mistakes

A loud mouth coward that's what  you are

10 hours ago, hotandsticky said:

 

 

If you had been around a bit longer you would know.............. and much of that advice over the last 20 years is from my own experience and mistakes

Got that right  calling  yourself a 'mistake '

 

 

Did you ever think about visiting your local KBank branch to get thisi  straightened out?

 

 

 

13 minutes ago, pixelaoffy said:

A loud mouth coward that's what  you are

 

 

YAWN!

6 minutes ago, In Full Agreement said:

 

 

Did you ever think about visiting your local KBank branch to get thisi  straightened out?

 

 

 

 

 

LOL

 

 

He would have to engage a brain to do that 

4 hours ago, In Full Agreement said:

 

 

Did you ever think about visiting your local KBank branch to get thisi  straightened out?

 

 

 

Not sure that would work. Mine got "fixed" without any intervention from me. I think they have some algorithm that changes your parameters based on the transfers you make. The fact that ALL my transfers where 49999, once a week,  may have triggered it. I don't think they had access to my history with BB, other than my credit record.

 

Anyhow I doubt any human was involved.

 

And I still think the whole thing was a bit messy. Typical Thai approach to law enforcement, too difficult to catch the launderers, so lets hobble the banking system to pretend your doing something. A bit like castrating all males aged 12 to 85, to eradicate rape.

On 11/3/2025 at 6:32 PM, hotandsticky said:

 

 

LOL

 

 

He would have to engage a brain to do that 

You moronic keyboard coward 

On Monday I was at the branch.

New picture taken.

But now I try it and gave up after 5 minutes of endless attempts.

Change background...

Your face is too bright...  !!

and whatever else.

I had perfect monochome wall in the back.

Too bright??

 

BUT finally!!

About 10 min of fiddling.

Closing the blinds somewhat. Darker background...

Pattaya sun too strong 😁

Success!!😁

You should not be in a hurry, standing in front of queue when trying that.

 

 

This face scan was a mess with Bangkok Bank.

Now it's a mess with Kasikorn.🤨

3 minutes ago, KhunBENQ said:

On Monday I was at the branch.

New picture taken.

But now I try it and gave up after 5 minutes of endless attempts.

Change background...

Your face is too bright...  !!

and whatever else.

I had perfect monochome wall in the back.

Too bright??

 

This face scan was a mess with Bangkok Bank.

Now it's a mess with Kasikorn.🤨

 

 

On 11/6/2025 at 1:03 PM, KhunBENQ said:

On Monday I was at the branch.

New picture taken.

But now I try it and gave up after 5 minutes of endless attempts.

Change background...

Your face is too bright...  !!

and whatever else.

I had perfect monochome wall in the back.

Too bright??

 

BUT finally!!

About 10 min of fiddling.

Closing the blinds somewhat. Darker background...

Pattaya sun too strong 😁

Success!!😁

You should not be in a hurry, standing in front of queue when trying that.

 

 

This face scan was a mess with Bangkok Bank.

Now it's a mess with Kasikorn.🤨

 

Yep, seems to be a case of either too bright or too dark for the face scan nonsense in my experience. Wouldn't be at all surprised if some are told both too bright and too dark at the same time!

 

 

I don't seem to have problems with the facescan (Kasikorn)...

Only very seldom it doesn't work the first time.

Guess my face is "special" enough 😁

 

On that sentiment of "the Thai banks do not have to control on what I spend my money", they actually don't.

 

What they do control however, is control through which channels you have "free and full access" to (your own) money!

At the moment that is only in person at the branch.

 

The limits pertain mainly on "online" channels, be it their website or their app.

 

It was pretty annoying in the beginning, when suddenly I could only transfer 50K Baht, and could not get my ATM limits higher then 20K Baht/day both for spending in shops and in-store purchases.

Typical Thai kneejerk reaction on the abundance of people getting scammed.

 

However they seem to have addressed that, as withouth any input from my side they have upped the max levels to 200K Baht (obviously needing the dreaded facescan to do that).

For me, more then enough, the odd time I need to do more, such as buying a car or some such, I can always go to the bank and get a cashier cheque...

 

I hear other people with obviously different spending habits then mine, getting higher limits in line with their useage profile.

 

To be honest, it's no different in my homecountry, my phone app is also limited, as is online banking, obviously higher limits more in line with spending levels in my homecountry.

 

On the sentiment of pulling all your money out of the banks (apart from short term spending money and visa requirement funds) and sticking it all in gold, seems to me like extreme bad investment advice.

Gold can indeed be a good investment, but mainly in the long term (say >5 years at least, preferably >10 years).

It has seen a steady growth over that long term.

 

However, gold tends to soar in price when the world is on fire, and tends to re-adjust to it's "normal" level when things in the world go sort of back to normal.

Right now we seem to be at one of those "world on fire" moments, what with Ukraine, Orange man with his trade wars and the iffy Thai political stability (or rather the habitual lack thereof and associated military "interventions" in the Thai democracy).

 

A look at the 10 year graph seems to prove this point, with gold at an all time height, but the current high being way higher then what the "natural" growth would dictate.

This puts today's buyers at a much higher then average "schort term" correction risk.

 

If you want to set aside funds not needed for at least the next 5 or more years, not a bad plan at all to stock up a bit.

If there is even the smalles possibility you would need to re-convert to cash in those first few years after acquiring, in my humble opinion, buying gold would be a "very high risk" investment indeed.

The high risk does not correlate to a high possibility of extreme high returns!

 

By all means diversify on where you put your money, different banks in different countries, and if investing, keep in mind your short term needs! Lots of people here are in the "rather advanced" age group, investing (what buying gold still is) as a long play simply is not that smart...

Just as much as there are people having bought gold a year ago having a blast of a return, there can be people buying now seing the exact opposite in a few years, or even less.

 

When things steady out in the old US of A when for example (just hoping) democrats regain house and/or senate control at the midterms and the US trade policies get back to their normal sort of  predicteability, their is a fair chance large scale investments are going to pick up again worldwide, and to fund those there will be a sunstantial amount of gold going to get sold, putting the price of it under some serious pressure...

 

 

 

 

 

 

 

 

14 minutes ago, pdebuck456 said:

On that sentiment of "the Thai banks do not have to control on what I spend my money", they actually don't.

 

What they do control however, is control through which channels you have "free and full access" to (your own) money!

At the moment that is only in person at the branch.

 

Well actually they do.

 

As I have made clear in other threads, since early this year I have a gold bug, and all term deposits that mature are exchanged to gold bars.

 

I buy my gold bars in bulk at Hua Seng Heng in Bangkok, and as so we always talk about a few million bahts each purchase.

Until a few weeks ago my DAILY limit with Kasikoprn was 5 million, which now has been reduced to 500.000.

Yes you can request a temporarily limit increase, but it says it will take a few days to get that request granted, so isn't of much use when you're standing at the counter, isn't it?

 In fact, I requested an increase 2 WEEKS ago, and as of today there hasn't been any response.

So I have the choice to drive to the branch, wait in the queue to get served, then wait to get a few million been counted and recounted, before it get handed to me.

Then drive to Bangkok and there again wait to be the few million in notes to be counted and recounted, until I get my goods.

Convenient in your opinion?

 

To add: A cashier cheque is of no use either in this case, since the price of bullion changes every minute at Hua Seng Heng, so you can't say exactly how much you will have to pay.

33 minutes ago, pdebuck456 said:

On the sentiment of pulling all your money out of the banks (apart from short term spending money and visa requirement funds) and sticking it all in gold, seems to me like extreme bad investment advice.

Gold can indeed be a good investment, but mainly in the long term (say >5 years at least, preferably >10 years).

It has seen a steady growth over that long term.

 

However, gold tends to soar in price when the world is on fire, and tends to re-adjust to it's "normal" level when things in the world go sort of back to normal.

Right now we seem to be at one of those "world on fire" moments, what with Ukraine, Orange man with his trade wars and the iffy Thai political stability (or rather the habitual lack thereof and associated military "interventions" in the Thai democracy).

 

A look at the 10 year graph seems to prove this point, with gold at an all time height, but the current high being way higher then what the "natural" growth would dictate.

This puts today's buyers at a much higher then average "schort term" correction.

 

With term deposits you also bet on 5 or 10 year that you don't need the money. If you withdraw before the mature date you will lose ALL your interests, while with gold you can withdraw all, or just the part you need cash for, and still get your to date realised profits. Also no withholding taxes or income taxes on gold.

Now without looking at the 10 year chart, tell us if there was a year that had less than 2% gain.

Yes gold is high in price today, that was also said when it was around 7000 baht 30 year ago.

 

Edit to add: With Thai gold you also bet on the Thai baht, which is extremely strong today. So when the baht weakens, gold can decline in USD, yet still gains in price in Thai baht

1 hour ago, CallumWK said:

 

Well actually they do.

 

As I have made clear in other threads, since early this year I have a gold bug, and all term deposits that mature are exchanged to gold bars.

 

I buy my gold bars in bulk at Hua Seng Heng in Bangkok, and as so we always talk about a few million bahts each purchase.

Until a few weeks ago my DAILY limit with Kasikoprn was 5 million, which now has been reduced to 500.000.

Yes you can request a temporarily limit increase, but it says it will take a few days to get that request granted, so isn't of much use when you're standing at the counter, isn't it?

 In fact, I requested an increase 2 WEEKS ago, and as of today there hasn't been any response.

So I have the choice to drive to the branch, wait in the queue to get served, then wait to get a few million been counted and recounted, before it get handed to me.

Then drive to Bangkok and there again wait to be the few million in notes to be counted and recounted, until I get my goods.

Convenient in your opinion?

 

To add: A cashier cheque is of no use either in this case, since the price of bullion changes every minute at Hua Seng Heng, so you can't say exactly how much you will have to pay.

Inconvenient? Yes, absolutely.

Impossible? Nope.

 

And I hope you do realise your "yserprofile" is far far away from average!

And not sure where you hail from, but where I am from you'd end up with pretty much the same issues, albeit higher amounts do to the general higher cost of living.

 

If your bank account doesn't get blocked due to "suspect activity".

 

10 minutes ago, pdebuck456 said:

Inconvenient? Yes, absolutely.

Impossible? Nope.

 

And I hope you do realise your "yserprofile" is far far away from average!

And not sure where you hail from, but where I am from you'd end up with pretty much the same issues, albeit higher amounts do to the general higher cost of living.

 

If your bank account doesn't get blocked due to "suspect activity".

 

 

Yes impossible with Kasikorn, and no my user profile is not far away from average.

 

I quoted gold purchases for several millions, but this is also the case with a simple car purchase.

Any half decent car will cost more than 500.000 these days, so impossible to pay through the bank app with Kasikorn, since the daily limit is 500.000.

I'm a Kasikorn customer for the best part of the past 30 years, since they were still called Thai farmers, and they know I have millions passing through my account every year. Kasikorn has always been my main account for transactions. So with that knowledge, why they had to decrease the limit from 5 million to 500.000 just 2 weeks ago?

They haven't even answered my request for an increase in 2 weeks time, and a temporarily increase takes 2 days for a decision, so that is also no use

With SCB my limit was 2 million, and the offered me, without me asking, a permanent limit of 10 million, which is now active.

 

In Europe there are no withdrawal limits, but indeed there are restrictions on deposits above a certain amount, which apply in Thailand a well.

To send 2 million baht from my homecountry to Thailand takes a second, and all it requires is a fingerprint and an OTP. No silly face scans that mostly fail

1 hour ago, CallumWK said:

 

With term deposits you also bet on 5 or 10 year that you don't need the money. If you withdraw before the mature date you will lose ALL your interests, while with gold you can withdraw all, or just the part you need cash for, and still get your to date realised profits. Also no withholding taxes or income taxes on gold.

Now without looking at the 10 year chart, tell us if there was a year that had less than 2% gain.

Yes gold is high in price today, that was also said when it was around 7000 baht 30 year ago.

 

Edit to add: With Thai gold you also bet on the Thai baht, which is extremely strong today. So when the baht weakens, gold can decline in USD, yet still gains in price in Thai baht

Did I say "term deposits" anywhere"?

 

The only thing I am saying that it is very well possible that at the time one suddenly needs cash gold might be 10% or more lower then where you bought.

 

 

Between august 2007 and october 2011 Thai gold was pretty mucht non stop bullish. Almost tripled in value. Everybody was buying gold because everybody was making solid returns on investing in gold.

Heaps and heaps of people bought late october 2011 all the way through the following year, where the value mainly stayed the same.

Those people have been solidly in the red (like -20%) for the next 7.5 years before they started to break even'

 

There is absolutely no reason why this scenario can't repeat itself, especilally considering the extreme fast reached peak we are at now...

 

Just repeating myself, yes, you can invest in gold, just make sure you are happy to take the loss if you overinvest and need to convert back to cash at an unfortunate moment.

9 minutes ago, CallumWK said:

 

Yes impossible with Kasikorn, and no my user profile is not far away from average.

 

I quoted gold purchases for several millions, but this is also the case with a simple car purchase.

Any half decent car will cost more than 500.000 these days, so impossible to pay through the bank app with Kasikorn, since the daily limit is 500.000.

I'm a Kasikorn customer for the best part of the past 30 years, since they were still called Thai farmers, and they know I have millions passing through my account every year. Kasikorn has always been my main account for transactions. So with that knowledge, why they had to decrease the limit from 5 million to 500.000 just 2 weeks ago?

They haven't even answered my request for an increase in 2 weeks time, and a temporarily increase takes 2 days for a decision, so that is also no use

With SCB my limit was 2 million, and the offered me, without me asking, a permanent limit of 10 million, which is now active.

 

In Europe there are no withdrawal limits, but indeed there are restrictions on deposits above a certain amount, which apply in Thailand a well.

To send 2 million baht from my homecountry to Thailand takes a second, and all it requires is a fingerprint and an OTP. No silly face scans that mostly fail

Yeah, but unlike when buying gold, where you do have a point that a cashiers cheque is sort of impractical, when buying a car it isn't. EAsy to determine amount to be paid and get a cheque for that amount.

Even if something pops up such as a slightly higher insurance premium, that difference can easily be settled with a small additional transfer or atmcard payment.

13 minutes ago, pdebuck456 said:

Yeah, but unlike when buying gold, where you do have a point that a cashiers cheque is sort of impractical, when buying a car it isn't. EAsy to determine amount to be paid and get a cheque for that amount.

Even if something pops up such as a slightly higher insurance premium, that difference can easily be settled with a small additional transfer or atmcard payment.

 

My point is that I'm not gonna allow a bank to determine how and when I can use MY funds, and which hoops I have to jump through, if they pay me a measly 1% interest.

The funds I moved into gold since January have earned a 37% "interest" so far, that is about 35 times of what I would have received from any bank in the meantime, and that is also accounted for the 10% drop in the past few weeks. So way to go before I lose any money on that

22 minutes ago, pdebuck456 said:

Yeah, but unlike when buying gold, where you do have a point that a cashiers cheque is sort of impractical, when buying a car it isn't. EAsy to determine amount to be paid and get a cheque for that amount.

 

Banks have forced us to use their apps, most of them closed their web banking and many of their branches, so now they force us to visit a branch if want access to our money?

 

Oh the irony

5 hours ago, CallumWK said:

 

Banks have forced us to use their apps, most of them closed their web banking and many of their branches, so now they force us to visit a branch if want access to our money?

 

Oh the irony

Yes   madness

17 hours ago, CallumWK said:

 

Banks have forced us to use their apps, most of them closed their web banking and many of their branches, so now they force us to visit a branch if want access to our money?

 

Oh the irony

 

And, because they've closed many of their branches, force those of us who can't make head or tail of their lousy apps to wait for ages in long queues at branches which are still open before we can access our money!