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Visa Bank Account below 800k........

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For around 12 years I have kept a seperate account for my visa with the balance just over 800k apart from one time about 3 years ago when I needed to use some but didn't go below 400k and topped it back up before the renewal period.

 

I renewed my visa first week in October then on 7/11 I needed to make an urgent transfer which I accidentally did from my visa account instead of my savings account.

I noticed my mistake on 9/11 so immedately topped it up again from my savings account. so for 2 days my visa account was  782, 847, so just over 17k short but I had around 73k in my savings account , both with Krungsri bank.

 

Anyone else done this and what was the outcome, how did you remedy it?

 

I'm in Hua Hin and I know immigration in other parts of thailand are sometimes stricter or more relaxed.

 

I could just wing it at the next renewal and hope the IO doesn't spot it or come clean now. I would hope with my bank account history they will be lenient for 2 days and maybe a small fine would have it overlooked.

 

Or can I use the 2 seperate accounts which total more than 800K............

 

Any sensible advice appreciated.

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  • it is a good thing, it's simple: follow the rules, get the extensions, get to stay here.   The rules are simple if you are using banked money method you have 800k in a Thai bank account in y

  • You can use more than one bank account to evidence the 800K.

  • Ouch that was a self inflicted "fail" 😞  This is how it CAN be  When you got your extension using banked money method you signed a paper stating you will keep the 800K baht in your accoun

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You can use more than one bank account to evidence the 800K.

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3 minutes ago, YorkshireTyke said:

I could just wing it at the next renewal and hope the IO doesn't spot it or come clean now.

1. They will spot it

2. Dont inform immigration of the issue. 

4 minutes ago, YorkshireTyke said:

Or can I use the 2 seperate accounts which total more than 800K

I had similar slip up recently (2k under). Immigration not happy. 

I tried adding another account I had. 

I was surprised immigration wouldn't have a bar of it. Stated that I hadn't used the other account previously so a no go. 

 

Keep funds above 800k and plead your case next extension. 

Some will advise to attend immigration now as technically you are on overstay. 

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Ouch that was a self inflicted "fail" 😞 


This is how it CAN be 

When you got your extension using banked money method you signed a paper stating you will keep the 800K baht in your account for 3 months AFTER the extension is granted, and then you won't let the balance go below 400K baht the rest of the year. (In fact in Bangkok they used to have us HOLD that paper up and photograph us holding it because so many people said they didn't know the rules 😮 


Now what that means is "technically" the day your account went below the required threshold you failed to honor the terms of the extension and at least in theory you voided it <- meaning just like DrJack54 said you're on overstay from that date 


𝗜 𝗰𝗼𝘂𝗹𝗱 𝗷𝘂𝘀𝘁 𝘄𝗶𝗻𝗴 𝗶𝘁 𝗮𝘁 𝘁𝗵𝗲 𝗻𝗲𝘅𝘁 𝗿𝗲𝗻𝗲𝘄𝗮𝗹 𝗮𝗻𝗱 𝗵𝗼𝗽𝗲 𝘁𝗵𝗲 𝗜𝗢 𝗱𝗼𝗲𝘀𝗻'𝘁 𝘀𝗽𝗼𝘁 𝗶𝘁 𝗼𝗿 𝗰𝗼𝗺𝗲 𝗰𝗹𝗲𝗮𝗻 𝗻𝗼𝘄. 
Personally of the two choices I'd do NOTHING NOW, and apply for your next yearly extension like normal a month before your current extension runs out. If they catch it, which they will, believe me they'll have some "work around" (most likely in the terms of a fine that doesn't get a receipt issued 😮 )


𝗜 𝘄𝗼𝘂𝗹𝗱 𝗵𝗼𝗽𝗲 𝘄𝗶𝘁𝗵 𝗺𝘆 𝗯𝗮𝗻𝗸 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 𝗵𝗶𝘀𝘁𝗼𝗿𝘆 𝘁𝗵𝗲𝘆 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗹𝗲𝗻𝗶𝗲𝗻𝘁 𝗳𝗼𝗿 𝟮 𝗱𝗮𝘆𝘀 
Sadly your previous bank account history doesn't cut any ice with them, they don't care how many years you've followed the rules, they care that this year you didn't 😕  
 

Just do your 90 day reports like normal, go apply for your extension next year and deal with it then.. 


Worst case is they say you need to leave, come back start over from scratch with a new Non-O and year extension. 


Clearly this will be a lesson learned, 🙂 but realize you're far from the first foreigner whose had this happen in the history of foreigners getting extensions in thailand 😉 

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22 hours ago, YorkshireTyke said:

Or can I use the 2 seperate accounts which total more than 800K............

 

Any sensible advice appreciated.

Many foreigners keep funds for Immigration in a FTD account, where you cannot 'accidentally' withdraw funds.

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Quote

 

sheeesh!  It is like you are there but your property is surrounded by a moat full of alligators, ready and waiting to take a bite out of you or do some other Draconian thing.  Retirement or long stay should be looked on by the Thais as a good thing as you by definition have brought money in or are regularly bringing money in to the country.

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59 minutes ago, gk10012001 said:

Retirement or long stay should be looked on by the Thais as a good thing

 it is a good thing, it's simple: follow the rules, get the extensions, get to stay here.

 

The rules are simple if you are using banked money method you have 800k in a Thai bank account in your name only for two months before you apply for the extension, you then keep the 800k in the account for three months after the extension is granted and then the balance can't go below 400k the rest of the year.

 

These aren't new rules, and have been in effect for more than a few years now. 

 

I also think you (like almost every long stay foreigner) over estimates your actual contribution to the country as a whole.

 

There just aren't enough long stay foreigners to really matter, certainly not compared to the hundreds of thousands of tourists who stamp in every week, tour, spend their money and leave. We (long stayers) just don't factor into the equation there's just not enough of us, no matter how much you imagine we contribute..

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I believe there is one other way to solve your problem.

At this time agents in Pattaya (who charge about 8k I think if you have the 800k in the bank) only require you to get a 3 month statement from the bank to renew your Ret extension, plus the usual bank letter showing your 800k balance on that day.  (so the actual bankbook /12 month statement is not required).

So as you will have the 800k back in your account again, then next Sept/Oct you will be able to obtain the 3 month statement and it should solve your problem.

Check this, but I believe I am correct with this information.

11 minutes ago, couchpotato said:

So as you will have the 800k back in your account again, then next Sept/Oct you will be able to obtain the 3 month statement and it should solve your problem.

Check this, but I believe I am correct with this information.

I do not believe so. 

Hand holding service from agent requires full compliance with the financials back to last extension. 

 

Also OP is located Hua Hin. 

At a guess the immigration office will

1. Let it slide. 

2. Accept a "fine" no receipt

3. Refuse and issue 7 day get out of dodge stamp. 

 

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On 11/11/2025 at 12:38 PM, YorkshireTyke said:

on 7/11 I needed to make an urgent transfer which I accidentally did from my visa account instead of my savings account.

 

IMHO this serves to underline the dangers of having dedicated IMM accounts accessible by internet/mobile banking or even debit cards linked to them. The only way in which I could make any withdrawal from my dedicated 800k account with Krungsri would be through a physical trip to one of their branches. 

1 hour ago, DrJack54 said:

I do not believe so. 

Hand holding service from agent requires full compliance with the financials back to last extension. 

 

Also OP is located Hua Hin. 

At a guess the immigration office will

1. Let it slide. 

2. Accept a "fine" no receipt

3. Refuse and issue 7 day get out of dodge stamp. 

 

My neighbor (who has an office in Soi Khao Talo) is the agent I was referencing and what I wrote before is correct for Jomtien (even though I don't require these type of services, I have just called her to clarify my post for the sake of this thread). No info for HH or other areas.

(there is no hand holding perse, only a 2 minute IO visit to take a photo in front of the RET Ext counter). The applicant personally obtains the Bank letter and statement, produces Passport, signs some forms at her office and PP with one year ext is ready in 2-3 days. (of course re-entry can be obtained at the same time if reqd).

  • Author

My preference at the moment is to sit it out and wait and apply early as suggested to give me time to sort anything out. I would hope for a small fine only as clearly the correct funds were available at the time.

3 minutes ago, YorkshireTyke said:

My preference at the moment is to sit it out and wait and apply early as suggested to give me time to sort anything out. I would hope for a small fine only as clearly the correct funds were available at the time.

There is no fine for falling below the financial threshold, they just refuse the extension application.

Go back to start, Non O from nearby Thai Embassy.

3 minutes ago, YorkshireTyke said:

My preference at the moment is to sit it out and wait and apply early as suggested to give me time to sort anything out. I would hope for a small fine only as clearly the correct funds were available at the time

For sure. Do nothing till next extension. 

When questioned regards (short fall - you will be) ... Have the other Bank account with update and be prepared for a "fine". Have dosh with you. 

Worst case maybe they reject application and issue 7 day exit stamp. 

 

  • Author
6 hours ago, DrJack54 said:

For sure. Do nothing till next extension. 

When questioned regards (short fall - you will be) ... Have the other Bank account with update and be prepared for a "fine". Have dosh with you. 

Worst case maybe they reject application and issue 7 day exit stamp. 

 

 

I agree, however, they gain nothing by deporting me but get tea money if they overlook my error.0

 

I have got another option up my sleeve which is pretty much the same, i.e. a smnall fine.

2 hours ago, YorkshireTyke said:

I have got another option up my sleeve which is pretty much the same, i.e. a smnall fine.

Don't know what that means. 

As for "tea money" I wouldn't be so sure. 

Quite possible they refuse your extension. They wouldn't deport you. 

Just issue 7 day "nick off" Stamp. 

  • Author

So worst case scenario I have to leave the country after 13 years, I'm out of touch with visa options, where is the nearest place I could go to get a visa and do I get another Non O same as I got in 2012 ? ( I got that from the Thai embassy in Saudi Arabia where I had been living and working since 2002)

8 hours ago, YorkshireTyke said:

I'm out of touch with visa options, where is the nearest place I could go to get a visa and do I get another Non O same as I got in 2012 ? ( I got that from the Thai embassy in Saudi Arabia where I had been living and working since 2002)

Should it come to that, Non O - retirement. 3 month bank statement showing 800K.
Thai Consulate, Savannahket, Lao.

On 11/11/2025 at 12:48 PM, DrJack54 said:

1. They will spot it

2. Dont inform immigration of the issue. 

I had similar slip up recently (2k under). Immigration not happy. 

I tried adding another account I had. 

I was surprised immigration wouldn't have a bar of it. Stated that I hadn't used the other account previously so a no go. 

 

Keep funds above 800k and plead your case next extension. 

Some will advise to attend immigration now as technically you are on overstay. 

Up to them init, every office, and every officer have their own rules. so how did you resolve the issue ?

59 minutes ago, brian69 said:

Up to them init, every office, and every officer have their own rules. so how did you resolve the issue ?

You prepare for all outcomes

1. They let it slide

2. They suggest a fine

3. They refuse extension and issue 7 day to exit Thailand. 

 

That's how the issue will be resolved. 

It's not complicated. 

I looked in my app and couldn't find the notification when account balance drops below X amount like on US bank accounts.

 

Would definitely help Visa Holders with required deposit amount.  Maybe something we can ask the bank to add in the future.  Maybe a 2nd authorization step to make transaction that would cause account to drop below the minimum.

 

Hope everything works out for you.

On 11/11/2025 at 12:38 PM, YorkshireTyke said:

For around 12 years I have kept a seperate account for my visa with the balance just over 800k apart from one time about 3 years ago when I needed to use some but didn't go below 400k and topped it back up before the renewal period.

 

I renewed my visa first week in October then on 7/11 I needed to make an urgent transfer which I accidentally did from my visa account instead of my savings account.

I noticed my mistake on 9/11 so immedately topped it up again from my savings account. so for 2 days my visa account was  782, 847, so just over 17k short but I had around 73k in my savings account , both with Krungsri bank.

 

Anyone else done this and what was the outcome, how did you remedy it?

 

I'm in Hua Hin and I know immigration in other parts of thailand are sometimes stricter or more relaxed.

 

I could just wing it at the next renewal and hope the IO doesn't spot it or come clean now. I would hope with my bank account history they will be lenient for 2 days and maybe a small fine would have it overlooked.

 

Or can I use the 2 seperate accounts which total more than 800K............

 

Any sensible advice appreciated.

Talk to an agent.

44 minutes ago, J Branche said:

I looked in my app and couldn't find the notification when account balance drops below X amount like on US bank accounts.

 

Would definitely help Visa Holders with required deposit amount

With an ATM card the funds could easily drop below 800k due to a slip. 

Some folk park the 800k dont touch it and don't even have card. 

Avoids "accidents" 

On 11/11/2025 at 12:38 PM, YorkshireTyke said:

Or can I use the 2 seperate accounts which total more than 800K............

Of course you can problem solved in your op.

8 minutes ago, Hamus Yaigh said:

Of course you can problem solved in your op.

I provided a second Bank account for my last extension (Oct 2024) due to Thai partner accidentally withdrawing and made account 2k under the 800k

For my other account I provided 12 month Bank statement. Bank Letter etc. 

Immigration at CW wouldn't have a bar of it as I had not previously used that additional account. 

3 hours ago, DrJack54 said:

You prepare for all outcomes

1. They let it slide

2. They suggest a fine

3. They refuse extension and issue 7 day to exit Thailand. 

 

That's how the issue will be resolved. 

It's not complicated. 

Cheaper to pay a 'fine' aka bribe.

On 11/11/2025 at 6:38 AM, YorkshireTyke said:

Or can I use the 2 seperate accounts which total more than 800K............

Yes, just include both account in the bank letter and statement from both account will cost you the fee for an extra statement.

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