Entered TH last week on a Non-O Spouse visa and now need to open a local bank account for the 400k seasoning prior to doing my 1-year extension in May.

A staff member at SCB asked me to produce a work permit plus proof of billing address from my phone provider so isn't versed in the Non-O process and I walked out.

My Thai spouse works in BKK and rents a flat so the lease is in her name signed Oct 2025.

Firstly - are there specific bank account types or names one opens on a Non-O visa? Or will any basic deposit/savings account do?

Secondly for bank account - in lieu of getting my name added to the lease, I assume I get a CoR at CW given the lease commencement date doesn't coincide with my arrival. Is this the only way to prove my address along with our landlord's TM30 he issued after I arrived?
For banks, can they not just accept a TM30?
Lastly which form is used for the COR application - TM18 or TM20 (both are on the TH immigration downloads webpage)?

TIA

Every bank in Thailand operates to its own interpretation of the law and each branch will have its own ideas even down to the person you are dealing with, that said a 90 day non o and a cor from imigration with a lease should be enough to open a bank account, you will just have to visit a few until you meet someone helpfull

Don't even worry about the form you need to fill out.

Just go to the main immigration office out at the government complex building B on Chaengwattana Road. Go to the third floor that's where the TM 30, 90 day report, and certificate of residence room is.

Have your tm30, have your lease, data page of your passport, copy of your evisa, most recent entry stamp.

They'll give you the form to fill out while you're standing there and you'll have plenty of time while you wait in the queue.

The COR is free and when you apply they will give you a receipt that says come back in one week to pick up the certificate

20 minutes ago, howerde said:

Every bank in Thailand operates to its own interpretation of the law and each branch will have its own ideas even down to the person you are dealing with, that said a 90 day non o and a cor from imigration with a lease should be enough to open a bank account, you will just have to visit a few until you meet someone helpfull

16 minutes ago, Tod Daniels said:

Don't even worry about the form you need to fill out.

Just go to the main immigration office out at the government complex building B on Chaengwattana Road. Go to the third floor that's where the TM 30, 90 day report, and certificate of residence room is.

Have your tm30, have your lease, data page of your passport, copy of your evisa, most recent entry stamp.

They'll give you the form to fill out while you're standing there and you'll have plenty of time while you wait in the queue.

The COR is free and when you apply they will give you a receipt that says come back in one week to pick up the certificate

Thanks @howerde @Tod Daniels ....so the lease must have my name on it?

For the bank the non o and a cor should be enough for a bank account though i have seen a few reports of the bank wanting one, yes the lease must match your other documents for the bank account, it took me 9 visits to various banks to get one opened a few years ago

10 minutes ago, howerde said:

For the bank the non o and a cor should be enough for a bank account though i have seen a few reports of the bank wanting one, yes the lease must match your other documents for the bank account, it took me 9 visits to various banks to get one opened a few years ago

Ok thx, this is appreciated 🙏🏻

The COR from CW is 200b and is mailed to you. Process takes about 5 days (they state allow two weeks)

The docs required are outlined by Tod earlier post.

Note: be aware SCB does not have a branch at CW. Nor does Kasikorn.

Not a deal breaker as CW allows those to be obtained days prior to extension application, however update on day of application can be a pain

35 minutes ago, DrJack54 said:

The COR from CW is 200b and is mailed to you. Process takes about 5 days (they state allow two weeks)

That is 100% NOT correct any longer at Chaengwattana immigrations ☹️

Now the service is FREE, but it requires TWO visits to C/W, one to apply, and one a week later to get the COR

you apply, get a receipt paper that shows you return in 7 days and when you do you just show the receipt and they give you the COR

1 hour ago, alc16 said:

…Lastly which form is used for the COR application - TM18 or TM20 (both are on the TH immigration downloads webpage)?…

The application form for the type of residence certificate you need, on AseanNow commonly referred to as CoR or COR, has no form number and does not seem to be listed on the website of the Immigration Bureau. At least I can find it neither on

https://www.immigration.go.th/?page_id=3159

nor on

https://www.immigration.go.th/?page_id=2163

The website of the Bangkok immigration office may have the application form on it somewhere but I cannot find it. Not all immigration offices use he same form.

1 hour ago, Maestro said:

The website of the Bangkok immigration office may have the application form on it somewhere but I cannot find it.

https://aseannow.com/applications/core/interface/file/attachment.php?id=439173

4 hours ago, Tod Daniels said:

Now the service is FREE, but it requires TWO visits to C/W, one to apply, and one a week later to get the COR

Thanks for the update.

Unfortunate as for one I would much prefer the mail out service that was previously the MO.

Wonder if yet another option for agent to pick up on your behalf.

CW is huge hurdle for some with mobility issues.

Thx for the info folks, the additional visit to collect the COR certainly isn’t ideal. Send by mail would have been better….id pay for this if it were a choice!

14 hours ago, Maestro said:

The website of the Bangkok immigration office may have the application form on it somewhere but I cannot find it. Not all immigration offices use he same form.

https://bangkok.immigration.go.th/wp-content/uploads/APPLICATION-FOR-A-LETTER-OF-RESIDENCE-INFORMATION-IN-THAILAND.pdf

Are there banks that don't require a cor?

3 minutes ago, RoyLee said:

Are there banks that don't require a cor?

Maybe, if you have a yellow book and pink ID card.

34 minutes ago, RoyLee said:

Are there banks that don't require a cor?

I opened one albeit 2 years ago with Kasikorn bank.

I had a Non O and provided a 12 month lease.

At the same time BBL were insisting on COR

I don't have yellow book or pink ID.

Had TDL but wasn't required.

The playing field has changed somewhat.

2 hours ago, DrJack54 said:

I opened one albeit 2 years ago with Kasikorn bank.

I had a Non O and provided a 12 month lease.

At the same time BBL were insisting on COR

I don't have yellow book or pink ID.

Had TDL but wasn't required.

The playing field has changed somewhat.

On the account opening, assuming this was a Non-O spouse visa, do you recall if they asked to see the originals of the marriage cert or just copies? Thanks

Krung Thai bank passport and visa and a maybe a screenshot of your name linked with your post paid phone number (Bangkok bank) that's it. No need. For a lease

49 minutes ago, alc16 said:

On the account opening, assuming this was a Non-O spouse visa, do you recall if they asked to see the originals of the marriage cert or just copies? Thanks

Take everything as a matter of course......I take my third place certificate in Corner Spry.....1964 ......and every certificate since.

3 hours ago, BrandonJT said:

Maybe, if you have a yellow book and pink ID card.

Most bank want a passport. No pink id use krung Thai bank

30 minutes ago, arick said:

Most bank want a passport. No pink id use krung Thai bank

Passport goes without saying.

The yellow book and pink ID for address.

TDL may also be useful.

1 hour ago, alc16 said:

On the account opening, assuming this was a Non-O spouse visa

No... I have a Non O retirement

17 hours ago, RoyLee said:

Are there banks that don't require a cor?

I opened an account with Krungthai Bank a few months a go without one. I needed passport, mobile phone no. ownership slip and Thai Driving License (home driving license may have sufficed). I was however directed to a specific branch so I don't know if this is universal.

ETA: Just noticed the thread is about CW so should point out my Krungthai branch wasn't in Bangkok.

Update to share....bank account successfully opened with the following
Passport w/entry stamp
Non-O visa printout
Home country address proof (used my drivers license)
Local post-paid mobile number (my passport number & Thai rental address registered to this, checked via sms)
Wasn't asked for but showed my TM30, local marriage certificate.
Surprisingly, I wasn't asked for the lease or COR.
I just went in to ask what they needed and they just helped open it. Done in about 45mins
Em-sphere, yellow bank (krung sri).

16 minutes ago, alc16 said:

I just went in to ask what they needed and they just helped open it. Done in about 45mins

Excellent result.

We were able to open a bank account at Bangkok bank a year ago with a passport, visa letter (LTR), CofR, and US driver's license. However; a year later the account was frozen and then canceled as we didn't have a yellow book or pink card. They didn't accept a Thai driver's license, bill with address listed or new CofR. I would streer clear of Bangkok bank as they got caught in money laundering with scam accounts and since then have become very difficult.

15 hours ago, Issan girl said:

I would streer clear of Bangkok bank

Sound advice.