8 minutes ago, thailand49 said:

After each withdraw you will note same time frame 15.00 to 20.00 baht, I did ask inside bank to manage " to use ATM "

This bank is within distant of his home walking, he goes not where does nothing travel he just sit eat and <deleted> feeling sorry for himself waiting to die.

Yes but is the ATM he's using his Bank's ATM or another Bank's (E.g. Does he have a KrungThai account but the ATM he's using is Bangkok Bank, KBank, SCB etc...)?

Typically ATM is free to withdraw if you're using an ATM in the same province where you set-up the account & that ATM belongs to your Bank (some do have sharing agreements with other Banks).

Cardless WIthdrawals are usually free so in my case, I take money out of my Bangkok opened BBL account in Pattaya from a BBL or Kbank ATM using Cardless Withdrawals and am not charged anything - If I were to use an Card to doe the same withdrawal I believe BBL would charge me 10THB to do the withdrawal even if it was from 1 of their ATMs.

Edited June 10Jun 10 by SamSpade

20 hours ago, Scouse123 said:

AFAIK, All major banks have been instructed by the government to follow similar procedures.

Indeed. The Bank of Thailand, as regulators of the Thai banking sector, are the villains of the piece here.

18 minutes ago, SamSpade said:

Yes but is the ATM he's using his Bank's ATM or another Bank's (E.g. Does he have a KrungThai account but the ATM he's using is Bangkok Bank, KBank, SCB etc...)?

Typically ATM is free to withdraw if you're using an ATM in the same province where you set-up the account & that ATM belongs to your Bank (some do have sharing agreements with other Banks).

Cardless WIthdrawals are usually free so in my case, I take money out of my Bangkok opened BBL account in Pattaya from a BBL or Kbank ATM using Cardless Withdrawals and am not charged anything - If I were to use an Card to doe the same withdrawal I believe BBL would charge me 10THB to do the withdrawal even if it was from 1 of their ATMs.

I said a number of times the branch he uses where he opened everything is just within a few steps from his home he rents.

He is basically bedridden all the ATM used is from the same branch nowhere else.

A year ago I removed 20,000 baht ATM outside his home branch Kungthai, I updated his book within second show right after 20,000 withdraw 20 baht, I went inside branch his branch as the clerk reason

Using ATM!

Edited June 10Jun 10 by thailand49

Perhaps one day, all customers will be required to provide a sample of their DNA.🙂

4 hours ago, Mutt Daeng said:

There is a function within the app settings to update facial data. Have you tried that? I had to do that before the FR worked.

It gives an error-unable to verify.

39 minutes ago, stubuzz said:

5 hours ago, Mutt Daeng said:

There is a function within the app settings to update facial data. Have you tried that? I had to do that before the FR worked.

It gives an error-unable to verify.

OK. Sounds like something outside of your control. Is there another branch of the Krungthai bank you can try?

2 hours ago, thailand49 said:

I said a number of times the branch he uses where he opened everything is just within a few steps from his home he rents.

He is basically bedridden all the ATM used is from the same branch nowhere else.

A year ago I removed 20,000 baht ATM outside his home branch Kungthai, I updated his book within second show right after 20,000 withdraw 20 baht, I went inside branch his branch as the clerk reason

Using ATM!

OK then,

last throw of the dice from me, was this person located elsewhere, such as Bangkok or Pattaya, and didn't move transfer his account from his previous address to his new address? In that case, he would be charged for an out of province transaction.

Otherwise, it needs to be queried and is simply wrong!

Similarly, there is no ATM 1500 baht charge, as previously stated, this could only be if the Thai staff at the desk have talked him into an ' extra ' such as insurance for accident etc linked to the credit/debit card.

Edited June 10Jun 10 by Scouse123

5 hours ago, Scouse123 said:

I am a KTB customer for going on 28 years.

I think your pal has allowed confusion to get in the way here.

1. They don't charge for ATMs if he is using a Krung Thai machine in the local area and that is his bank, they may, if he's using another bank's ATM.

2. This 1500 baht, I can only imagine this as being a fee for a credit/debit card, and he has unwittingly signed up for the usual con of accident insurance.

2 hours ago, Scouse123 said:

OK then,

last throw of the dice from me, was this person located elsewhere, such as Bangkok or Pattaya, and didn't move transfer his account from his previous address to his new address? In that case, he would be charged for an out of province transaction.

Otherwise, it needs to be queried and is simply wrong!

Similarly, there is no ATM 1500 baht charge, as previously stated, this could only be if the Thai staff at the desk have talked him into an ' extra ' such as insurance for accident etc linked to the credit/debit card.

Persistent prevailed!

First I never said there was a ATM fee of 1500 baht, the fee as I noted was for having the bank program into his phone, basically he could if wanted move his money around online phone.

Not sure new account number I will need to check the old book vs. the new but we close and remove the ex-wife from the original account and lock her out of any access. Then opened a new book and downloaded the program on my phone it basically pins whoever I deposit or withdraw. This is basically the 1500 per charge as you noted sold us never said anything about cost I don't see such a charge on his old book.

Now to your other points I believe you got me nice catch. When account was opened he was in Bangkok when I moved him to Pattaya prior to finding his rental near this Kungthai he was in a hotel. I don't remember clerk asking where he is currently living no lease etc. I hadn't done a new TM30, so that explains the ATM fee for old and continue new.

You the man! Thanks that clear that up🤣

On 6/10/2026 at 3:10 AM, SamSpade said:

Cardless WIthdrawals are usually free so in my case, I take money out of my Bangkok opened BBL account in Pattaya from a BBL or Kbank ATM using Cardless Withdrawals and am not charged anything

That's not right. Cardless withdrawals from a BBL account at a non BBL ATM cost 10 baht each.

27 minutes ago, treetops said:

That's not right. Cardless withdrawals from a BBL account at a non BBL ATM cost 10 baht each.

Sorry, I thought there was an agreement between them & KBank so assumed it was free.

22 hours ago, SamSpade said:

Sorry, I thought there was an agreement between them & KBank so assumed it was free.

They started off free but that was just for a couple of months IIRC.

As well as Kasikorn you can now do cardless withdrawals at GSB, Krungthai and SCB from your BBL account. All have the 10 baht fee.

I received a cheque from the revenue department, which of course only can be deposited in your KTB account, which I have for that purpose only.

Since I changed phone last year, and needed to visit a branch to activate it on a new phone, I took the opportunity to do it at the same time as collecting the cheque.

As KTB branches are always busy, that cost me the best of 2 hours.

When back home I tried to transfer the recent deposit to my usual account with another bank, only to be met with a message that this account was not eligible for transfers, and be told to visit a branch with my passport.

Damn, I just completed that an hour ago.

So of to another branch to fix the issue, which took another hour, but anyway the fixed it.

Before taking it for granted I tried to make the transfer while still at the bank. Got the message that I needed a face scan.

They told me that every transfer over ONE thousand baht now needed a face scan, so I told them to just withdraw it all, but 1 baht, in cash.

Face scans for anything over 1000 baht, that's taking the p!ss in my humble opinion

9 minutes ago, CallumWK said:

Face scans for anything over 1000 baht, that's taking the p!ss in my humble opinion

If that is true for everyone (please don't take that personally) then definitely agreed

43 minutes ago, topt said:

If that is true for everyone (please don't take that personally) then definitely agreed

I just logged in to the app and it says face scan above 50.000.

The amount I tried to transfer while in the bank was way below that, and it asked for face scan.

The KTB staff said I could do 1000 at the time without face scan, Maybe is was supposed to set up face scan first, with which I didn't bother, as this account is only used to get refunds from the revenue department once a year

On 6/9/2026 at 4:59 AM, Garouda said:

Well last time I transferred THB 49,000 and later THB 1,000 LOL.

you should call Mensa, as you're quite obviously a genius...

Never found the need for any banking apps and not found any inconvenience in just using my ATM card to get cash or using it to swipe at checkout

11 hours ago, trucking said:

Never found the need for any banking apps and not found any inconvenience in just using my ATM card to get cash or using it to swipe at checkout

Well, you cannot check your account at home if you don't have the banking app with KTB, as they no longer have the facility online through a browser to view your account.

It's also convenient at the supermarket with the scam facility.

On 6/9/2026 at 8:43 AM, 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.

This will help explain where I am coming from.

On 6/8/2026 at 12:58 PM, Gecko123 said:

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

Maybe because he could get eff all done on the first visit due o the crowds.

On 6/22/2026 at 8:24 AM, Scouse123 said:

It's also convenient at the supermarket with the scam facility.

It is not convenient if say two customers in front of you are not savvy with the scanning process.

On 6/9/2026 at 8:52 AM, Ricohoc said:

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.

This post explains perfectly why I found Bangkok Bank's edict that I essentially prove that my newly renewed high-tech US passport was authentic by insisting that I get a letter of authentication letter from the US embassy at a cost of close to 2,000 baht to be so intrusive and offensive. When I told BKK that I had already opened a new account with SCB across the street (showing the bank manager my new passbook), all I asked was that I be allowed to move my time deposit accounts as they matured over the course of 2026. The branch manager told me I could do this, but the first time I began the account closing process I was abruptly told my accounts were frozen until I provided the authentication letter, which I was basically forced to do.

I can assure anyone musing that there must have been something suspicious about my banking transactions to have triggered BKK to demand this authentication letter that my accounts could not have had a more mundane profile as I am a retiree, a 23 year BKK customer, absolutely nothing in terms of large inflows or cash outflows whatsoever. Dormant with periodic withdrawals in line with normal living expenses would be the best description for my profile. The only reason this authentication letter was demanded was because I was a foreigner. That's it! No suspicious activity whatsoever. As the above post points out, I was profiled for one reason, and one reason alone: my nationality. Which really stuck in my craw. I felt like I was totally treated like a criminal, and horribly disrespected as a long term customer with 3MM+ in deposits maintained over the years. Also, feeling like I was discriminated against because of my foreign nationality, I asked myself how else might this bank discriminate against foreigners, i.e., potentially failing to honor bank deposit insurance commitments.

I have spent the last month cogitating about how I am going to minimize my level of activity with Thailand banks. First of all, I am not going to open any time deposit accounts with SCB, because transferring my time deposit accounts from BKK to SCB has necessitated close to 10 trips to BKK staggered over the course of 2026 to withdraw the time deposits as they matured (can't be done electronically.) What a headache! Going forward, I want to be able to withdraw my funds at the drop of a hat if necessary. This is going to cost a significant amount of lost interest, but this has to be weighed against the stress and time spent managing time deposit accounts, and the logistical challenge of getting your money out of the bank at a moments notice when you have multiple time deposits. As a result of the reduced interest, I plan to gradually reduce my baht currency holdings over the next few years, essentially spending balances down and not replenishing them. Also, because Thai deposit interest rates have recently been slashed again, I am probably going to keep a larger amount of cash on hand, and conduct more transactions on a cash basis.

The Bangkok Bank nightmare will finally end in November when the last of my time deposit accounts expire and can be transferred. For those unsympathetically rolling their eyes and tempted to label me a drama queen, all I can tell you is being threatened to have your bank account frozen and then unexpectedly frozen, (something which is only associated with compelling evidence of criminality back home ) without warning in a foreign country is a truly traumatizing experience that I hope never to have to repeat.

Edited Thursday at 08:21 AM3 days by Gecko123

2 hours ago, Gecko123 said:

Going forward, I want to be able to withdraw my funds at the drop of a hat if necessary. This is going to cost a significant amount of lost interest, but this has to be weighed against the stress and time spent managing time deposit accounts, and the logistical challenge of getting your money out of the bank at a moments notice when you have multiple time deposits. As a result of the reduced interest, I plan to gradually reduce my baht currency holdings over the next few years, essentially spending balances down and not replenishing them. Also, because Thai deposit interest rates have recently been slashed again, I am probably going to keep a larger amount of cash on hand, and conduct more transactions on a cash basis.

My mission and goal as well.

I stopped depositing anything in banks about 5 years ago. Everything remained in cash.

In June, I began reducing my banking footprint in Thailand, and it will continue until balances reach an amount of about 100,000 baht over the requirement for my visa.

I am also looking to reduce it further by changing my visa status from a retirement visa BACK to a marriage visa. That won't have to happen until 2027. And when my immigration office asks why, I will put all the blame on the banks.

4 minutes ago, Ricohoc said:

My mission and goal as well.

I stopped depositing anything in banks about 5 years ago. Everything remained in cash.

In June, I began reducing my banking footprint in Thailand, and it will continue until balances reach an amount of about 100,000 baht over the requirement for my visa.

I am also looking to reduce it further by changing my visa status from a retirement visa BACK to a marriage visa. That won't have to happen until 2027. And when my immigration office asks why, I will put all the blame on the banks.

I think this is the only way these high muckety-muck banking executives sitting in their high rise corner suites in Bangkok are gonna learn the importance of respecting their foreign customers. I think immigration requirements that foreigners keep money on deposit in Thai banks have given rise to a mentality among them that foreign customers can safely be taken for granted. They need to be reminded who the customer is, who the deposits belong to, and that it is they who are profiting from these foreign deposits.

The only thing I would suggest to you is to make sure you keep an ample cash reserve in your overseas account in case it's needed. Best of luck to you, and thanks for all your moral support on this thread.

Edited Thursday at 11:53 AM3 days by Gecko123

39 minutes ago, Ricohoc said:

My mission and goal as well.

I stopped depositing anything in banks about 5 years ago. Everything remained in cash.

In June, I began reducing my banking footprint in Thailand, and it will continue until balances reach an amount of about 100,000 baht over the requirement for my visa.

I am also looking to reduce it further by changing my visa status from a retirement visa BACK to a marriage visa. That won't have to happen until 2027. And when my immigration office asks why, I will put all the blame on the banks.

I go further than that and use an agent at visa time, and only move a little more than living costs to Thailand, when needed. One baht more than is necessary in Thailand represents a poor investment.

1 hour ago, KhunHeineken said:

I go further than that and use an agent at visa time, and only move a little more than living costs to Thailand, when needed. One baht more than is necessary in Thailand represents a poor investment.

Certainly true, I'm having a total rethink about all monies here.

A complete waste of time.

22 minutes ago, Scouse123 said:

A complete waste of time.

And money.

I have often likened the 800k baht in a Thai bank to giving the Thai bank a donation. 🙂

3 hours ago, Gecko123 said:

The only thing I would suggest to you is to make sure you keep an ample cash reserve in your overseas account in case it's needed. Best of luck to you, and thanks for all your moral support on this thread.

Thanks for that advice, but I'm way ahead in that department, too.

Back at ya regarding the support.