I recently updated my account information and was instructed to visit my local branch with my passport and visa documents.

I did exactly that and was told the bank was carrying out additional security checks due to increasing concerns about fraud, account misuse, and people attempting to access accounts that are not their own. Everything was updated, and I left with the app working normally.

A few days later, after returning from a business trip on 3 June, I discovered on 4 June that I could no longer access the mobile banking app. I received a message instructing me to return to the bank with my passport yet again.

On 5 June, I spent almost two hours at my local branch while staff worked through the issue. Branches in rural areas do not always deal with these situations as frequently as those in Bangkok, so the process took some time.

The deputy manager explained that Krung Thai was introducing stronger security measures as part of updates to its mobile banking system. She also advised that my passport needed to be recognised as an e-passport for the app's enhanced verification process. My passport does contain an electronic chip, so further checks were carried out before the registration could proceed.

Eventually, the staff deleted my banking app profile and re-registered everything from scratch, including identity verification, photographs, passport checks, and mobile banking credentials.

The result is that I can now use the app again, but there is an additional layer of security. Transactions of up to 1,000 baht process normally. For transactions above 1,000 baht, the app now requires me to complete a facial recognition check by taking a live selfie before the payment is approved.

I used the system successfully yesterday, and it worked exactly as described.

The bank advised that this requirement is temporary and that after approximately 7 to 10 successful verified transactions, the system should recognise me as a trusted user on my device and no longer require a selfie for every transaction above 1,000 baht.

While I cannot say whether every customer will experience the same process, it appears that Krung Thai is continuing to strengthen identity verification and fraud prevention measures. Particularly following account updates, app reinstallation, document renewal, or changes to customer information.

So, if you are a foreign customer and suddenly find yourself locked out of the app or being asked to revisit the branch after updating your details, don't panic.

It may simply be part of the bank's latest security and biometric verification procedures, rather than a problem with your account.

Has anyone else recently experienced similar requirements with Krung Thai or other Thai banks?

Similar hassles at KBank now, need to go in person to sort things out later I think.

All this heightened security and hyper-scrutiny of all transactions involving foreigners is resulting in a mindset taking hold among bank staff that foreigners are second-class customers who are not to be trusted and deserve to be treated like potential criminals.

I'm in the process of moving all my accounts from Bangkok Bank to SCB for this very reason, but if SCB starts doing the same thing, I'm going to keep the amount of money and level of transactions with any Thai bank down to an absolute minimum.

I'm really disgusted with the high-handed, hyper-bureaucratic, police state approach Thai banks are taking in their approach to managing foreign customers.

Edited June 8Jun 8 by Gecko123

1 hour ago, Gecko123 said:

All this heightened security and hyper-scrutiny of all transactions involving foreigners is resulting in a mindset taking hold among bank staff that foreigners are second-class customers who are not to be trusted and deserve to be treated like potential criminals.

I'm in the process of moving all my accounts from Bangkok Bank to SCB for this very reason, but if SCB starts doing the same thing, I'm going to keep the amount of money and level of transactions with any Thai bank down to an absolute minimum.

I'm really disgusted with the high-handed, hyper-bureaucratic, police state approach Thai banks are taking in their approach to managing foreign customers.

Hang on a minute,

I was informed by the bank that they are also doing this with their Thai customers because of the sheer number of 'mule' accounts that have been discovered in the banking system.

Judging by the number of customers, young and old, that were sat in the Krung Thai bank from early morning with their IDs and bank books in hand, I think what she was telling me was correct. Coupled with the fact the banking app has been updated, and they were requiring all customers updated details.

2 hours ago, Scouse123 said:

For transactions above 1,000 bah

Oh my big time money launderers

Uh huh. Sure.

16 minutes ago, Scouse123 said:

Hang on a minute,

I was informed by the bank that they are also doing this with their Thai customers because of the sheer number of 'mule' accounts that have been discovered in the banking system.

Judging by the number of customers, young and old, that were sat in the Krung Thai bank from early morning with their IDs and bank books in hand, I think what she was telling me was correct. Coupled with the fact the banking app has been updated, and they were requiring all customers updated details.

Thais have needed to show their IDs when making bank transactions since the beginning of time, so not sure if your casual observation about Thais waiting for service with ID's in hand holds water. Obviously, don't know what's going on in your branch, but I would not put it past a bank employee to falsely claim that Thais were being subjected to heightened scrutiny in order to placate foreign customers upset by the increase in regulation of foreign customers. I've talked with numerous Thai national BBK customers, and none have reported increased scrutiny. As an example of being misled by bank employees, I was initially told that BBK's requirement that all foreigners had to acquire a yellow book was an official government regulation, which proved to be a total falsehood.

Edited June 8Jun 8 by Gecko123

1 hour ago, Scouse123 said:

Hang on a minute,

I was informed by the bank that they are also doing this with their Thai customers because of the sheer number of 'mule' accounts that have been discovered in the banking system.

Judging by the number of customers, young and old, that were sat in the Krung Thai bank from early morning with their IDs and bank books in hand, I think what she was telling me was correct. Coupled with the fact the banking app has been updated, and they were requiring all customers updated details.

Just shooting the breeze here....

A mule account is when someone is using an account registered in someone else's name. The person who the account is registered to does banking transactions on behalf of another person who is not the owner of the account. If you Google, 'how do banks detect mule accounts?' you will see that verifying the identity of the registered owner of the account does nothing to detect that the account is being misused by a mule.

Financial institutions focus on multi-signal indicators to intercept illicit transfers before the cash leaves the bank.

1. Behavioral Biometrics

Banks track exactly how a user interacts with their banking app or website. Specialized software detects the differences between a genuine customer and a fraudster.

• Application Fluency: Criminals opening dozens of accounts type incredibly fast, use expert keyboard shortcuts, and toggle tabs flawlessly.

• Low Data Familiarity: If a user relies heavily on copy-pasting or hesitates when typing "their own" social security number or address, a red flag is raised.

• Coercion Indicators: If an unwitting mule is being guided by a scammer over the phone, behavioral biometrics can detect high hesitation, unusual scrolling latency, or an active phone call running simultaneously with the banking app.

2. Device and Geolocation Intelligence

Mule herders usually control entire networks of accounts from a single location or a localized cluster of hardware.

• Shared Fingerprints: Security systems spot when multiple unrelated bank accounts are accessed from the exact same phone or laptop hardware profile.

• Registration Anomalies: Systems flag accounts opened with burner email domains, virtual phone numbers, or IP locations that do not match the owner’s physical address.

3. Transaction and Pass-Through Monitoring

Mules rarely hold onto money; their accounts serve as temporary pipelines. Banks deploy machine learning models to watch for these flow anomalies:

• The "Burst" Pattern: A dormant or low-activity account suddenly receives a massive influx of funds, which are rapidly transferred out via peer-to-peer apps, crypto, or cash withdrawals within minutes.

• Even Break Drain: The account balances back down to near zero immediately after a transfer, leaving no buffer.

4. Network Graph Analytics

Sophisticated syndicates split stolen money across hundreds of accounts to keep individual transactions below regulatory reporting triggers. Banks use graph analytics to visualize the whole ecosystem rather than looking at individual accounts.

• Hub and Spoke: Software like Neo4j maps relationships to trace how funds from completely unrelated scam victims converge into a single intermediary account before heading overseas.

• Centrality Shifts: An account is instantly flagged for manual investigation if its "betweenness centrality" spikes—meaning it suddenly begins acting as a major transaction bridge between otherwise unconnected clusters of people.

@Gecko123

You may be right, it's not something I am going to get into, I am just saying what they told me.

I am well aware of what Thais need to produce regards ID in the banks; however, the bank was full from morning until close on two successive days, absolutely packed, which is unusual.

They have updated the app and added new features, maybe it was that, I don't know.

I do know there is an extra layer of security added to my banking app.

8 minutes ago, Scouse123 said:

@Gecko123

You may be right, it's not something I am going to get into, I am just saying what they told me.

I am well aware of what Thais need to produce regards ID in the banks; however, the bank was full from morning until close on two successive days, absolutely packed, which is unusual.

They have updated the app and added new features, maybe it was that, I don't know.

I do know there is an extra layer of security added to my banking app.

Going to the bank on two successive days??? Show of hands, who else finds that a little suspicious?

I got a new passport at the end of May, so I went to the Krungthai bank last Tuesday to inform them of this.

I updated my registered DTAC sim card with my new passport number via the TRUE app prior to going to the bank.

They scanned the chip and took a photo of the passport, I had to sign a couple of forms and they took a picture of my face.

They also sent me an sms to my registered phone number to confirm that it was correct. Whole process took about 30 minutes all told.

Prior to visiting the bank, my daily transaction limit was effectively set at 50,000 baht because anything above that required a face scan and the bank repeatedly told me that facial recognition was not available for foreigners. I wasn't entirely convinced but I never pushed the issue because all my transactions on that account are less than 50,000 baht. Anyway, when I got home I found I was able to capture facial data using the app, which is a function that I couldn't do before (kept getting a message to go to the bank) and then I discovered that I was able to increase the daily transaction limit above 50,000 baht (again something I couldn't do before my bank visit) after doing a facial scan. So whatever the bank did, it enabled facial recognition on my phone.

Edited June 8Jun 8 by Mutt Daeng

25 minutes ago, Gecko123 said:

Going to the bank on two successive days??? Show of hands, who else finds that a little suspicious?

Not at all, I went, the staff rushed off their feet in the morning. I glanced through in the afternoon through the window, and it was still packed, so I went home and thought I would try my luck the following day.

What's sinister about that?

48 minutes ago, Gecko123 said:

Going to the bank on two successive days??? Show of hands, who else finds that a little suspicious?

21 minutes ago, Scouse123 said:

Not at all, I went, the staff rushed off their feet in the morning. I glanced through in the afternoon through the window, and it was still packed, so I went home and thought I would try my luck the following day.

What's sinister about that?

@Gecko123 @Scouse123 is correct about the crowds. Krungthai bank being jam packed for days on end is a common occurrence, especially in upcountry branches. It's because KTB is the Thai Government's paymaster and at the moment, thousands of Thai people are having issues with the APP required to register for the Governments latest subsidy scheme for low income people. Last year when I went for the bank letter for my 1 year extension, people were queuing outside the branch at 6.45 am for 4-5 days.

Edited June 8Jun 8 by Mutt Daeng

1 hour ago, Gecko123 said:

Going to the bank on two successive days??? Show of hands, who else finds that a little suspicious?

It was meant as a joke. A play on the theme that all foreigners are involved in illicit banking activities.

Edited June 8Jun 8 by Gecko123

5 hours ago, Gecko123 said:

All this heightened security and hyper-scrutiny of all transactions involving foreigners is resulting in a mindset taking hold among bank staff that foreigners are second-class customers who are not to be trusted and deserve to be treated like potential criminals.

You are projecting your, "they don't like us" mindset.

AI has told you that detecting mule accounts is a multi-faceted process. It has nothing to do with just checking on all foreigner held accounts or any perception that all foreigners are dodgy.

This kicked off when Thai staff at a branch of Bangkok bank were caught allowing foreigners, believed to be mostly Chinese, to open bank accounts illegally. That's what started their clamp down and the Bank of Thailand subsequently instructed ALL banks to do due diligence on ALL accounts. Each bank is doing this differently, with the common trend to lock-out app access for everyone until you visit a branch in person and complete whatever security ritual they have in place. I believe locals who don't use the app but use their card at the ATM found their card locked until they popped inside and sorted out the identification routine.

It was during this vetting of ALL accounts that they found out how prevalent mule accounts were. These accounts were opened and held by qualifying Thai persons (nominee account holders) but illegally used to launder money for third parties with the nominee getting some financial incentive. The assumption is that most of this was to facilitate money being sent out of the country.

5 minutes ago, NanLaew said:

You are projecting your, "they don't like us" mindset.

AI has told you that detecting mule accounts is a multi-faceted process. It has nothing to do with just checking on all foreigner held accounts or any perception that all foreigners are dodgy.

This kicked off when Thai staff at a branch of Bangkok bank were caught allowing foreigners, believed to be mostly Chinese, to open bank accounts illegally. That's what started their clamp down and the Bank of Thailand subsequently instructed ALL banks to do due diligence on ALL accounts. Each bank is doing this differently, with the common trend to lock-out app access for everyone until you visit a branch in person and complete whatever security ritual they have in place. I believe locals who don't use the app but use their card at the ATM found their card locked until they popped inside and sorted out the identification routine.

It was during this vetting of ALL accounts that they found out how prevalent mule accounts were. These accounts were opened and held by qualifying Thai persons (nominee account holders) but illegally used to launder money for third parties with the nominee getting some financial incentive. The assumption is that most of this was to facilitate money being sent out of the country.

Thank you for the unsolicited psychoanalysis.

If you go back and read the thread more carefully you will see that my comments were in response to the OP's speculation that Thai owned accounts were being scrutinized for being possibly "mule" accounts. As I said in an earlier post, I have seen or heard no evidence that Thai owned accounts are undergoing this scrutiny (at least at my local BBK branch), and in fact, I have seen internal bank documents that indicate this scrutiny has been directed exclusively at foreigners. As far as I can see, the only people being required to get tabian ban yellow books or letters from their embassy that their passport is authentic and locked out of their accounts if they don't are foreigners.

I don't have any grievance about banks taking steps to weed out illicit activities, but, getting back to my earlier post on how banks detect mule accounts, I think this should have been done in a far more targeted fashion using software and other analytical tools to detect suspicious accounts, rather than demanding that every foreigner run around and apply for a yellow book tabian ban or get a letter from the embassy confirming your passport is authentic. I experienced this as a 23 year customer with BKK and I can assure you activity on my accounts would not have been flagged by any mule detection software. It struck me, and I continue to feel this way, as high-handed and xenophobic that this problem was handled in this manner, and I am determined to make BKK bank pay a price for their arrogance by moving my accounts from them and voicing my dissatisfaction with them on social media.

Edited June 8Jun 8 by Gecko123

7 hours ago, Scouse123 said:

I recently updated my account information and was instructed to visit my local branch with my passport and visa documents.

I did exactly that and was told the bank was carrying out additional security checks due to increasing concerns about fraud, account misuse, and people attempting to access accounts that are not their own. Everything was updated, and I left with the app working normally.

A few days later, after returning from a business trip on 3 June, I discovered on 4 June that I could no longer access the mobile banking app. I received a message instructing me to return to the bank with my passport yet again.

On 5 June, I spent almost two hours at my local branch while staff worked through the issue. Branches in rural areas do not always deal with these situations as frequently as those in Bangkok, so the process took some time.

The deputy manager explained that Krung Thai was introducing stronger security measures as part of updates to its mobile banking system. She also advised that my passport needed to be recognised as an e-passport for the app's enhanced verification process. My passport does contain an electronic chip, so further checks were carried out before the registration could proceed.

Eventually, the staff deleted my banking app profile and re-registered everything from scratch, including identity verification, photographs, passport checks, and mobile banking credentials.

The result is that I can now use the app again, but there is an additional layer of security. Transactions of up to 1,000 baht process normally. For transactions above 1,000 baht, the app now requires me to complete a facial recognition check by taking a live selfie before the payment is approved.

I used the system successfully yesterday, and it worked exactly as described.

The bank advised that this requirement is temporary and that after approximately 7 to 10 successful verified transactions, the system should recognise me as a trusted user on my device and no longer require a selfie for every transaction above 1,000 baht.

While I cannot say whether every customer will experience the same process, it appears that Krung Thai is continuing to strengthen identity verification and fraud prevention measures. Particularly following account updates, app reinstallation, document renewal, or changes to customer information.

So, if you are a foreign customer and suddenly find yourself locked out of the app or being asked to revisit the branch after updating your details, don't panic.

It may simply be part of the bank's latest security and biometric verification procedures, rather than a problem with your account.

Has anyone else recently experienced similar requirements with Krung Thai or other Thai banks?

Banks are very fussy about Americans because of all the FINCEN rules. No bank wants all that stupid paperwork, proving where the money came from aso.

Who gives a <deleted>e about anyone else's "illicit" activities?!? All that does is deny the govt its cut. So what?

So pleased I never installed a smart phone banking app. Thought all this was supposed to make everyone's life easier? Not sure I could even use one to be honest. Can you do these face scans wearing glasses? I can't see jack s*** without my specs. No chance of me being able to read the turn head right, turn head left, smile etc instructions.

I know some of the crypto exchanges are now requiring verification updates done using face scan apps. My last update was a nightmare. GF had to stand right next to me and give me the turn head right. turn head left prompts, as the app wouldn't allow me to wear my glasses. If I lived alone I'd have been totally screwed.

All for our protection of course.

I'm going to continue with only cash for as long as I can. Until the ATMs start disappearing, then I suppose I'll need to get cash at the teller directly, until cash disappears too that is. With a bit of luck I'll have either already popped off by then, or the fiat system will have imploded and we will all be screwed anyway 5555.

Edited June 8Jun 8 by Conno

16 hours ago, Gecko123 said:

Thank you for the unsolicited psychoanalysis.

. . . but, getting back to my earlier post on how banks detect mule accounts, I think this should have been done in a far more targeted fashion using software and other analytical tools to detect suspicious accounts, rather than demanding that every foreigner run around and apply for a yellow book tabian ban or get a letter from the embassy confirming your passport is authentic. I experienced this as a 23 year customer with BKK and I can assure you activity on my accounts would not have been flagged by any mule detection software. It struck me, and I continue to feel this way, as high-handed and xenophobic that this problem was handled in this manner, and I am determined to make BKK bank pay a price for their arrogance by moving my accounts from them and voicing my dissatisfaction with them on social media.

You get it. All foreigners are being treated the same regardless of their banking history.

Know Your Customer really means Target Foreigners.

3 minutes ago, Ricohoc said:

You get it. All foreigners are being treated the same regardless of their banking history.

Know Your Customer really means Target Foreigners.

I did an analysis of how much profit my small town BKK branch made off of my accounts using their average NIM (Net Interest Margin) which is available on line and guess-estimated that they made in the neighborhood of 57,000 baht/year off of my deposits, or over 1MM baht in gross profit (before operational expenses) over the 20+ years I've been with the branch.

Google also says the median Thai bank account deposit is less than 4,000 baht, which makes me suspect that my combined deposits of close to 3MM baht probably places me in the top 5% of depositors in my rural branch.

But on the bank branch level, the employees are little aware of these realities, and are only considering all of the additional paperwork (photocopying and obtaining signatures of passports and visas), authenticating passports, as well as communicating across a language barrier, etc. and concluding that their lives would be so much easier if all they had to do all day long was take care of sweet old grandmothers depositing bags of one baht coins, or making 2,000 baht withdrawals from their accounts.

No disrespect intended towards Thai grandmothers or rural town folk who are the salt of the earth. Just pointing out to the banking poobahs sitting up in their ivory towers down in Bangkok how their high-handed policies are translating on the local level, and sending a word of warning to them that their mistreatment of foreign customers may soon start to show up in their bottom line.

Edited June 9Jun 9 by Gecko123

I've never had any issues with any of the four Thai banks I've been using, some of them for 20+ years, so I have a growing suspicion that some foreigners' transaction history makes them appear a lot more suspicious to their bank than they'd like to admit.

23 hours ago, Gecko123 said:

All this heightened security and hyper-scrutiny of all transactions involving foreigners is resulting in a mindset taking hold among bank staff that foreigners are second-class customers who are not to be trusted and deserve to be treated like potential criminals.

I'm in the process of moving all my accounts from Bangkok Bank to SCB for this very reason, but if SCB starts doing the same thing, I'm going to keep the amount of money and level of transactions with any Thai bank down to an absolute minimum.

I'm really disgusted with the high-handed, hyper-bureaucratic, police state approach Thai banks are taking in their approach to managing foreign customers.

Why do you think this is about you ? Why do you spout anti Thai nonsense?

Banks are trying to deal with real fraud and losses. If you are not happy then ok but you will never be happy if you possess the attitude that this banking fraud issue is anti foreigner harassment.

Relax it is not about you and it has nothing to do with prejudice or attacks on foreigners.

2 minutes ago, Wake Up1 said:

Why do you think this is about you ? Why do you spout anti Thai nonsense?

Banks are trying to deal with real fraud and losses. If you are not happy then ok but you will never be happy if you possess the attitude that this banking fraud issue is anti foreigner harassment.

Relax it is not about you and it has nothing to do with prejudice or attacks on foreigners.

In investigating crime, there's this thing called "profiling"; and to be a legitimate profile it must contain more than one criteria component. The profile being used by banks is "foreigner".

I'm not against bank security; but I am for bank fairness. Something besides "foreigner" needs to be considered in their profile. My 15+ year relationship with banks in Thailand is viewed the same by the banks as the foreigner who got his Non O visa last year.

All foreigners, regardless of their banking history, are being treated the same with miniscule limits on their digital transactions. The amount varies from bank to bank, but foreigners are the target population. I know this because I've spoken with foreigners about their transaction limits and with Thai nationals about their transaction limits. The responses are always the same:

• Less than 100,000 baht for foreigners right out of the gate regardless of banking history

• 1 million baht for Thai nationals right out of the gate regardless of balance

If your experience is different, then that's you; but this has been my experience.

20 minutes ago, Caldera said:

I've never had any issues with any of the four Thai banks I've been using, some of them for 20+ years, so I have a growing suspicion that some foreigners' transaction history makes them appear a lot more suspicious to their bank than they'd like to admit.

A very narrow view, just because something hasn't happened to you......yet!

I haven't had any issues in 30 years until these two blips in the last couple of months due to heightened security checks.

I live in rural Thailand and there is nothing odd about my banking practices.

KrungThai is a government bank, and all government banks are a PITA to deal with.

GHB, foreigners have no access to the apps. Withdrawing from your account only can be done in cash, and they only allow transfers at the counter only up to 10K.

KrungThai doesn't pay interest on savings accounts to foreigners.

Other government banks are a similar PITA.

The only reason I have a KTB account is that refunds from the revenue department are by check which only can be collected at KTB

12 minutes ago, Wake Up1 said:

Why do you think this is about you ? Why do you spout anti Thai nonsense?

Banks are trying to deal with real fraud and losses. If you are not happy then ok but you will never be happy if you possess the attitude that this banking fraud issue is anti foreigner harassment.

Relax it is not about you and it has nothing to do with prejudice or attacks on foreigners.

Show me one word I have posted which led you to believe I think this is about only me, or that I am directing my grievances towards Thai people in general.

48 minutes ago, Gecko123 said:

. . . Just pointing out to the banking poobahs sitting up in their ivory towers down in Bangkok how their high-handed policies are translating on the local level, and sending a word of warning to them that their mistreatment of foreign customers may soon start to show up in their bottom line.

Beginning in 2027, my banking footprint will be greatly reduced -- cut in half or more. I will transition back to a marriage Non O visa instead of my current retirement Non O visa. For me the paperwork hassle of the marriage visa is nothing compared to all of this targeting by banks.

For at least the last 5 years, all funds that I brought into Thailand have remained in cash. I can't recall the last time I deposited anything in my Thai bank accounts; which are used primarily for my visa purposes.

1 minute ago, Ricohoc said:

Beginning in 2027, my banking footprint will be greatly reduced -- cut in half or more. I will transition back to a marriage Non O visa instead of my current retirement Non O visa. For me the paperwork hassle of the marriage visa is nothing compared to all of this targeting by banks.

For at least the last 5 years, all funds that I brought into Thailand have remained in cash. I can't recall the last time I deposited anything in my Thai bank accounts; which are used primarily for my visa purposes.

That's a pretty good strategy. I have been toying with the idea of moving my funds on deposit to the monthly income method rather than a flat 800K deposit in order to reduce required funds on deposit in Thai bank.

Also, OMG, the laboriousness of closing all my term deposit (12-24-36 month) accounts which has taken almost a whole year!, with each separate deposit requiring me to physically go to the bank, has made me swear off ever having any term deposit accounts here ever again, with any bank, plus I want to be able to pull all cash out of my account at a moment's notice.

I have considered repatriating a chunk of cash back to my home country where I could earn considerably higher interest, but there is a considerable exchange rate risk in doing so, so I'm thinking that I'm largely stuck while I slowly spend down my Thai baht savings. For example, if USD/THB exchange dropped to 28 baht/USD and you had to move money from abroad back to the US that would more than wipe out any gains you would realize from higher interest rates abroad, plus there's potential Thai taxation issues.

Edited June 9Jun 9 by Gecko123

23 hours ago, Digitalbanana said:

Similar hassles at KBank now, need to go in person to sort things out later I think.

Kbank good on Android phone app. Problem now on computer website requiring k bussiness. I used computer for transfers to joint account because Kplus app would not allow joint account to be added. Branch fixed Kplus app after wifey and myself sign many forms.. took only 20 minutes now very happy.

As for KrungThai not sure about other branches outside of the Darkside, but friend was charged to withdraw his own money out of saving from ATM Krungthai, they last year charged him 1500 baht to use their application on the phone.

So we stopped depositing money into the account let it run down to 20 baht bye not worth the time to go in get in line to close it.