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Proof of funds in an electronic age

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Next week is my annual extension of stay for my retirement based on funds. (Ratthaprasasana Phakdi Building... For Bangkok).

Up to now, I've always had to travel to my bank in the morning and collect a letter, and update my bank passbook. So both are dated with the day of the extension application.

Is there any leniency on this date? It's not possible to collect them the day before? Is it? (Thus save time and get to the visa office faster).

Or in these modern times when I do most banking on my phone... Is there a more up to date, electronic way I can prove my finances?

(Note my bank does not have a Ratthaprasasana Phakdi branch)

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  • Upnotover
    Upnotover

    The letter (and statement) can be dated before the submission date. The bankbook update needs to be the same day. Best find a branch with a passbook update machine on the way (don't forget to make a t

  • Paul Catton
    Paul Catton

    Yet, Royal Thai Embassies (presumably worldwide) accept ones own downloaded "Bank Account summary and balances." as being the "Proof of Funds" for the issuance of a Visa. Rather ironic. No axe to gri

  • Speedhump
    Speedhump

    I can't agree. I take the monthly foreign income credit notes stamped by my bank, that's all that the law requires. Why should I have to disclose my bank account balance on the date of visa renewal, a

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The letter (and statement) can be dated before the submission date. The bankbook update needs to be the same day. Best find a branch with a passbook update machine on the way (don't forget to make a transaction beforehand).

And do yourself a favour, make an appointment.....https://gov.immigration1.queueonline.net/appointment/login.html?v31

1 hour ago, 234872_1469957439 said:

. Is there a more up to date, electronic way I can prove my finances?

No.

First reply has correct advice.

I also deal with CW.

Obtain my 12 month bank statement + Bank Letter days prior and on day of application I go to bank (one that opens at 8.30am) and make small 100b deposit.

Updates bank book and shows, activity.

Sadly my Kasikorn bank closed branch at CW.

As mentioned above an appointment is great if you can get one.

The window for appointments is one month in advance and sometimes slots are available as the are added each new day.

Even then they are scarce.

  • Author

Thanks for the replies. Actually, I booked an appointment weeks ago.

So if the passbook needs to be the same day... I'll visit the bank in the morning as usual. (Though I also tend to go to the bank the day before too.. To request the letter, and ensure they'll be no problems)

Perhaps one day they'll be a way to technologically streamline this process.

13 minutes ago, 234872_1469957439 said:

Actually perhaps one day they'll be a way to technologically streamline this process.

Not likely.

Just one example: After trip aboard 90 report needs to be done in person.

Online report option not available.

5 minutes ago, DrJack54 said:

Actually perhaps one day they'll be a way to technologically streamline this process.

Not likely

Indeed.

"How to keep people employed and fed with tax money 101."

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2 hours ago, DrJack54 said:

To be fair things such as download from bank app is useless.

The banking requirements proof is acceptable imo

Yet, Royal Thai Embassies (presumably worldwide) accept ones own downloaded "Bank Account summary and balances." as being the "Proof of Funds" for the issuance of a Visa.

Rather ironic.

No axe to grind either way, just a passing observation.

23 hours ago, Paul Catton said:

Yet, Royal Thai Embassies (presumably worldwide) accept ones own downloaded "Bank Account summary and balances." as being the "Proof of Funds" for the issuance of a Visa.

Thai Embassies are regulated by Thailands Ministry of Foreign Affairs, nothing to do with internal Thai Immigration.
With the introduction of the e-visa application system everything is also processed online with the Embassies.

23 hours ago, Paul Catton said:

Royal Thai Embassies (presumably worldwide) accept ones own downloaded "Bank Account summary and balances." as being the "Proof of Funds" for the issuance of a Visa.

MFA and Thai immigration live in seperate universes

The bank letter can be obtained 7 days ahead of time. The bankbook can be updated at a machine whether the bank is open or not.

On 2/5/2026 at 4:39 PM, Upnotover said:

The letter (and statement) can be dated before the submission date.

Is that common to all offices, or one of these requirements where offices make their own rules? Anybody know about Rayong, for instance?

39 minutes ago, Eff1n2ret said:

Is that common to all offices, or one of these requirements where offices make their own rules? Anybody know about Rayong, for instance?

You are correct. Some offices want/demand bank statement and bank letter on day of application.

Sensible offices allow the statement and letter up to 7 days prior.

For CW I obtain mine day or two prior.

Remember to update bank book on day of application.

I opt to do that via a small deposit.

Not sure about Rayong. This this guy deals with them @brewsterbudgen

Hopefully someone that deals with Rayong will advise.

On 2/5/2026 at 6:17 PM, 234872_1469957439 said:

Thanks for the replies. Actually, I booked an appointment weeks ago.

So if the passbook needs to be the same day... I'll visit the bank in the morning as usual. (Though I also tend to go to the bank the day before too.. To request the letter, and ensure they'll be no problems)

Perhaps one day they'll be a way to technologically streamline this process.

Would you like to hand over your phone to an IA.

Not sure how CW operates but PT you give them the papers and then they look at them and stamp.

There are a lot of things that need to be updated in Imigration but i think digital is the last thing they worry about.

13 hours ago, DrJack54 said:

MFA and Thai immigration live in seperate universes

14 hours ago, Liquorice said:

Thai Embassies are regulated by Thailands Ministry of Foreign Affairs, nothing to do with internal Thai Immigration.
With the introduction of the e-visa application system everything is also processed online with the Embassies.

Hence my inclusion of the term ironic.

The adage of goose/ gander comes to mind.

Just a passing observation

On 2/5/2026 at 8:59 PM, DrJack54 said:

To be fair things such as download from bank app is useless.

The banking requirements proof is acceptable imo

I can't agree. I take the monthly foreign income credit notes stamped by my bank, that's all that the law requires. Why should I have to disclose my bank account balance on the date of visa renewal, and also pay for a letter from the bank confirming it? Why should the bank want to peruse my whole 12 months bank statements? My visa requirement is only about bringing in a certain amount of foreign currency every month, nothing else.

38 minutes ago, Speedhump said:

I take the monthly foreign income credit notes stamped by my bank, that's all that the law requires

Which immigration office do you use that does not require bank letter.

The Bank Letter confirms that you are the owner of the account and balance on day of issue.

40 minutes ago, Speedhump said:

Why should the bank want to peruse my whole 12 months bank statements?

Seems you are using income method.

Using funds in bank method immigration may (most likely will) require 12 month bank statement.

What's the big deal.

Being overly precious IMO

9 hours ago, DrJack54 said:

Which immigration office do you use that does not require bank letter.

The Bank Letter confirms that you are the owner of the account and balance on day of issue.

I strongly suspect @Speedhump uses an agent.

10 hours ago, Speedhump said:

Why should I have to disclose my bank account balance on the date of visa renewal, and also pay for a letter from the bank confirming it? My visa requirement is only about bringing in a certain amount of foreign currency every month, nothing else.

Who else other than an agent would make you believe he gets you a new 'visa' each year. 🙄

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16 minutes ago, Liquorice said:

Who else other than an agent would make you believe he gets you a new 'visa' each year

Yes, I just posted for others that would not be mislead.

That post re banking requirements is a nonsense.

On 2/8/2026 at 10:36 AM, DrJack54 said:

Which immigration office do you use that does not require bank letter.

The Bank Letter confirms that you are the owner of the account and balance on day of issue.

Seems you are using income method.

Using funds in bank method immigration may (most likely will) require 12 month bank statement.

What's the big deal.

Being overly precious IMO

I said the law does not require anything more than bank proof of sufficient overseas income. I did not say immigration don't require it, even though it does nothing to prove what you already proved with the income credit notes. Do you understand now? Similarly, Immigration 'may' require 12 months bank statements. Why? Not even standardised across Thailand for heaven's sake.

On 2/8/2026 at 8:21 PM, Liquorice said:

I strongly suspect @Speedhump uses an agent.

Who else other than an agent would make you believe he gets you a new 'visa' each year. 🙄

No. This is the requirement from Hua Hin Immigration for a visa extention in country. Not a 'new' visa, who said that?. I never use an agent.

1 hour ago, Speedhump said:

No. This is the requirement from Hua Hin Immigration for a visa extention in country. Not a 'new' visa, who said that?. I never use an agent.

You said;

On 2/8/2026 at 9:53 AM, Speedhump said:

Why should I have to disclose my bank account balance on the date of visa renewal,

If you have an extension, that is to state, you have extended the period of your permission of stay, then your previously valid visa either 'expired' or was 'used'.

You cannot extend the validity of a visa..

Do folk even read the forms they complete and sign, and what they are actually applying for.

I also do not believe Hua Hin Immigration do not require the standard letter from your bank as required under Immigration Orders and all other IO's.

2 hours ago, Speedhump said:

I said the law does not require anything more than bank proof of sufficient overseas income. I did not say immigration don't require it, even though it does nothing to prove what you already proved with the income credit notes. Do you understand now?

No because you are wrong.

I'm well aware what immigration offices required for extensions.

Read some threads and pick it up.

Not difficult.

To demonstrate here is current thread of marriage extension requirements.

Read the OP detailed docs.

The financials have 3 seperate things

On 2/7/2026 at 6:45 AM, DrJack54 said:

You are correct. Some offices want/demand bank statement and bank letter on day of application.

Sensible offices allow the statement and letter up to 7 days prior.

For CW I obtain mine day or two prior.

Remember to update bank book on day of application.

I opt to do that via a small deposit.

Not sure about Rayong. This this guy deals with them @brewsterbudgen

Hopefully someone that deals with Rayong will advise.

Renewed my retirement at Rayong last month. Letter from bank can be up to 7 days previous, bank book update needs to be done on day of application. Rayong IM used to be quite quiet but I arrived at immigration 15 minutes before opening and the queue was already very long and I had 32 people in front of me, took about 4 or 5 hours.

1 minute ago, Walloper said:

Renewed my retirement at Rayong last month. Letter from bank can be up to 7 days previous, bank book update needs to be done on day of application.

Thanks for update.

Good to see Rayong allow statement and letter up to 7 days prior.

As do most sensible offices.

1 minute ago, DrJack54 said:

Thanks for update.

Good to see Rayong allow statement and letter up to 7 days prior.

As do most sensible offices.

I had gone to the new immigration office a few days prior to check the location and asked about the letter and statement, forgot to ask about the bank book so had updated the book the day prior also. Luckily when I checked with the guy at the information desk I had enough time to go out to the nearest bank and update my book and get back before my number came up. Rookie mistake, I've only done 7 retirement extension before.... :-)

3 minutes ago, Walloper said:

Luckily when I checked with the guy at the information desk I had enough time to go out to the nearest bank and update my book and get back before my number came up.

At CW they want update on day of application.

Unfortunately Kasikorn have closed branch at CW so I needed to visit bank on day of application.

The branches in malls open mid morning.

Lucky I have a street front branch that opens at 8.30am.

I obtain the 12 month statement and Letter couple of days prior.

16 hours ago, DrJack54 said:

No because you are wrong.

I'm well aware what immigration offices required for extensions.

Read some threads and pick it up.

Not difficult.

To demonstrate here is current thread of marriage extension requirements.

Read the OP detailed docs.

The financials have 3 seperate things

I didn't say these things, aren't demanded by Immigration, I said they should be unnecessary. Income credit statements and bank book should be quite sufficient.

17 hours ago, DrJack54 said:

No because you are wrong.

I'm well aware what immigration offices required for extensions.

Read some threads and pick it up.

Not difficult.

To demonstrate here is current thread of marriage extension requirements.

Read the OP detailed docs.

The financials have 3 seperate things

I didn't say these things aren't demanded by Immigration, I said they should be unnecessary for the yearly O/A visa, trip to Immigration. Bank stamped monthly inward income credit notes and bank book should be quite sufficient. That's what I said. The fact that Immigration demand to know my current bank balance antmy yearly expenditure is an invasion of privacy. You bring the money in, that's all they should need to have proven.

On 2/5/2026 at 12:49 AM, DrJack54 said:

Obtain my 12 month bank statement + Bank Letter days prior and on day of application I go to bank (one that opens at 8.30am) and make small 100b deposit.

Updates bank book and shows, activity.

I hope this is fine now because it is of course completely logical but.....I did this exact procedure & the Imm officer in Chiang Mai freaked out! 555 She was saying this is no good now...Your passbook does not match the letter of proof. I said yeah but it is more than the letter so what is the problem? Thankfully she let it go...I am so looking forward to hopefully easier times this year further out in the country. I eventually found in CM have an agent....No Problem...Do yourself ...good luck ;) roll the dice

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