Hi

I made a New NON O visa at Jomtien, Bangkok bank froze 800k they said in four months it will come back.

can i use it in four months?

thanks

Money in bank method: ...

800k in bank for 2 months prior to application for extension and maintained for 3 months after extension and not below 400k in remaining months.

The stunt BBL is pulling on customers has nothing to do with immigration.

The bank is refusing to provide Bank Letter unless funds have been in account for 4 months. Ridiculous

Once the four month period passes the Bangkok Bank will unlock the funds and it will be in your available balance to be used.

As Dr Jack said it has nothing to do with immigrations and is a Bangkok Bank policy for them to issue documentation you need to present to the immigration office for your visa/extension.

Remember, after you get the year extension you still need the money to stay in the account for 3 months, and then the balance can never go below 400k the rest of the year

21 minutes ago, Tod Daniels said:

Once the four month period passes the Bangkok Bank will unlock the funds and it will be in your available balance to be used.

As Dr Jack said it has nothing to do with immigrations and is a Bangkok Bank policy for them to issue documentation you need to present to the immigration office for your visa/extension.

Remember, after you get the year extension you still need the money to stay in the account for 3 months, and then the balance can never go below 400k the rest of the year

thanks for the reply

do you think i withdraw 600k for example?

FYI

i will try to use another bank for following year renewal

7 minutes ago, bobwhite said:

thanks for the reply

do you think i withdraw 600k for example?

FYI

i will try to use another bank for following year renewal

No, because it falls below THB400K unless you are simultaneously (as in the same day)* able to put THB400K of the THB600K into another bank, then it should be ok, although you will doubtless face some inquiries and hassle at the next renewal. I have considered this myself, but the chances of something going awry have put me off.

*withdrawal of cash from Bangkok Bank and deposit of cash in another preferred bank, on the same day.

Edited July 1Jul 1 by samtam

8 minutes ago, bobwhite said:

do you think i withdraw 600k for example?

Read what I posted in first reply.

If you withdrew 600k that (most likely) puts you under 400k

10 minutes ago, bobwhite said:

i will try to use another bank for following year renewal

You need to be careful when you transfer funds to new account (different bank)

Suggest wait till after 3 months post obtaining extension and transfer 400k (minimum) into new account.

Afterwhich you can use the 400k remaining in the BBL account.

Be aware that for the following extenion you need to bring balance back up to 800k for two months prior to application.

Note you will need to supply bank letter and bank statement for both banks at next extension as both accounts were used to meet financial compliance.

7 minutes ago, samtam said:

I have considered this myself, but the chances of something going awry have put me off.

This comes up.

Thinking best option is to wait the 3 months after obtaining extension.

Already open a new bank account during that time.

When the 400k window opens transfer 400k from existing account into account with new bank.

This ensures funds never below 400k

Realize you are aware of that by what you posted.

Posting for others as my guess is some folk will boot BBL.

BTW: if anyone does this and at some point shuts the account keep the bank book.

I surrendered mine and CW imm were very unhappy even though I obtained bank statement.

Bangkok Bank continues their ridiculous policy which make no sense. For those using the 800k in a Thai bank they insist it be in the account 4 months in advance (Immigration only requires 2 months). If it the full 800k has not been there for the 4 months, Bangkok bank freezes that amount from the account for the next 4 months (Immigration requires the 800k remain for 3 months and as mentioned, during the other 7 months it is not to fall below 400K).

For those using the 65k monthly income method, they refuse to give the verification method unless you bring your account balance up to 800k and if done, most likely they would freeze that amount for the next 4 months.

I do my annual renewal in June using the monthly income method - at least 65k deposited each month into a Thai bank account from a foreign source. In July & August last year I made the transfers into my Bangkok Bank account. But when Bangkok Bank started playing their silly games in September, I opened an account with Kasikorn Bank and made my next 10 transfers into that account.

I did my renewal on June 23rd. I had already obtained certified bank statements from Bangkok Bank for Jul & Aug. I obtained my certified statements from Kasikorn along with bank account verification letter the day before. I didn't bother getting a Bangkok Bank verification letter being aware of the current policy.

The Immigration Officer reviewed all my documents, highlighting the usual items including monthly transfers then said I needed a verification letter from Bangkok Bank. I said I did not believe they would give me one, but he said for me to go to the branch in Central Festival Beach and they would provide it. He also said I needed to update my Bangkok Bank passbook. Since it was full, I knew it would require a new one for the update. The Immigration placed a small note in Thai with my documents, stapled them all together and returned them to me.

I decided to first give the a try at the branch where I opened the account. No problem in getting updated passbook. The supervisor for the counter personnel looked through my passport noting I had a retirement extension. As expected, she said she could not give me a verification letter until I deposited 800k in the account.

This led to about 10 minutes of me explaining and insisting during which she made some phone calls, apparently to someone higher up. I showed her my packet of documents already reviewed by Immigration and pointed out the Kasikorn Bank provided the a verification letter with an account balance far below 800k and the bank statements from Bangkok Bank and Kasikorn Bank which had already been reviewed by Immigration with the monthly deposits highlighted.

I think it was the fact that Kasikorn had issued a verification letter that finally persuaded her to give me one, but before doing so, she held up my passbook and asked if I was going to use it for my extension renewal next year. I told her no, I would be using Kasikorn account. She then issued the verification letter. If she had still refused, I would have tried the branch at Central Festival Beach. But since I did get it at my branch, I have no way to know whether the branch there would have been successful.

What really gets me is why Bangkok Bank has instituted such a policy. They should just provide the verification letter and leave it up to the Immigration Officer to determine if it was sufficient to approve the extension.

Visa code 2.22 retirement

Bank deposit guarantee of 800,000 bahts

In accordance with regulations, you are required to present your bank statement every 3 months at the time of your TM47 application to show your bank balance, which cannot be less than 400,000 baht for the remainder of your visa period.

Notation (in Thai) entered in my passport by the Ubon Ratchathani Immigration Bureau

Simple, Thailand wants to hold your money hostage. It gives the banks more capital to work without having to actually pay you interest.

8 minutes ago, DULEROY said:

Visa code 2.22 retirement

Bank deposit guarantee of 800,000 bahts

In accordance with regulations, you are required to present your bank statement every 3 months at the time of your TM47 application to show your bank balance, which cannot be less than 400,000 baht for the remainder of your visa period.

Notation (in Thai) entered in my passport by the Ubon Ratchathani Immigration Bureau

I am confused. First, this stamp is from 2019. Rather stale.

Second, I don't see any mention of presenting the bank statement. The handwritten text in red says ยื่นที่ ฝ่ายการต่างประเทศ , which means, roughly "Submit at the Foreign Affairs Division."

Am I missing something?

Non English post and long link to pp screenshot removed

I transferred my original funds for non-o retirement from bbl to kbank a number of years ago. Left Thailand and my non-o lapsed while out of the country. My question is, are the funds in the kbank still usable and marked as foreign transfer and could still be used for a new non-o retirement?

3 hours ago, DULEROY said:

Visa code 2.22 retirement

Bank deposit guarantee of 800,000 bahts

In accordance with regulations, you are required to present your bank statement every 3 months at the time of your TM47 application to show your bank balance, which cannot be less than 400,000 baht for the remainder of your visa period.

Notation (in Thai) entered in my passport by the Ubon Ratchathani Immigration Bureau

This "requirement" depends on IMM office. CW in Bangkok does not require it, (as I write).

28 minutes ago, SOMEB0DY said:

My question is, are the funds in the kbank still usable and marked as foreign transfer and could still be used for a new non-o retirement?

If you obtain the Non O outside of Thailand then funds in a bank account do not need to have proof of international transfer.

If the Non O is obtained in Thailand from visa exempt/ tourist visa then funds must be from abroad.

HOWEVER.... if the funds have been in the bank for some time then proof of funds from abroad not required.

Best to obtain Non O eVisa IMO

Your bank shouldn't have been able to "freeze" any money in your account. You should be able to withdraw it all if you want.

Now, that would eventually affect your Immigration status, but that's not a reason for your bank to "freeze" your account.

what happens next after 4 months of 800K deposit Bangkok bank Non O

You will have to have a minimum of 400K the rest of the year.

2 months of 800K Before extension application and 3 months of 800K after the granted extension.

I don't have any problems with the Bangkok Bank I use a term deposit account ,

No hassles

Dear ALL an update

i managed to see my 800k after August 1st.

my actual balance is now 397,123.

so I was able to withdraw more than what some people have said

Edited August 25Aug 25 by bobwhite

5 minutes ago, bobwhite said:

my actual balance is now 397,123

What didn't you understand in early posts.

800k two months prior to application and 3 months after application.

Not below 400k in other months.

397k is less than 400k

On 7/1/2026 at 12:26 PM, bobwhite said:

FYI

i will try to use another bank for following year renewal

I don't know whether you're still minded to pursue this option in view of your subsequent comments, but, if you are, I would strongly advise you not to waste your time attempting to open a replacement account with Kasikorn, unless you can satisfy their ridiculous requirement for home country address/ID proof, as described in these 2 threads:

https://aseannow.com/topic/1387149-kasikorn-bank-account/

https://aseannow.com/topic/1387709-id-card-required-to-open-new-account/

IMHO Bangkok Bank and Kasikorn are equally bad as each other when it comes to the shabby treatment of foreigners holding (or hoping to hold) accounts with them, albeit in different ways.

35 minutes ago, OJAS said:

I don't know whether you're still minded to pursue this option in view of your subsequent comments, but, if you are, I would strongly advise you not to waste your time attempting to open a replacement account with Kasikorn, unless you can satisfy their ridiculous requirement for home country address/ID proof, as described in these 2 threads:

SCB and GSB are now also requesting the same documentation.

11 hours ago, Liquorice said:

SCB and GSB are now also requesting the same documentation.

So, in practice, increasingly fewer (and, eventually, zero) options for most existing longstayers seeking alternatives to Bangkok Bank, then, in all probability. This all appears to have the sleight of hand of the Bank of Thailand as Thai banking regulator.

38 minutes ago, OJAS said:

So, in practice, increasingly fewer (and, eventually, zero) options for most existing longstayers seeking alternatives to Bangkok Bank, then, in all probability. This all appears to have the sleight of hand of the Bank of Thailand as Thai banking regulator.

The Thai banks have based the evidence of foreign documentation on the Thai model.
i.e National ID card, Driving Licence and House registration.

Unfortunately many Countries don't issue national ID cards and /or don't display an address.
UK Driving licences expire at age 70 and you have to be resident in the UK to apply for the ongoing 3 year licences, and not all national licences display an address.

House registration, or Title Deeds > if you previously rented then that's not an option, and if you do have Title Deeds, they are more than likely held by a Building Society or a Solicitor, certainly not something you'd carry around with you.

They don't care, it's your problem, not theirs. You are correct these recent updated security checks are the sleight of hand of the Bank of Thailand, who initially screwed down on Bangkok bank to tighten their policies, and now screwing down on other banks to tighten theirs.

That said, some bank branches will forego actual evidence of an overseas address, provided you can verbally supply a previous overseas address.
As I discovered, this is purely at the discretion of the individual branch, and was informed it really depended how a branch had been affected by the recent scams, mule accounts, and money laundering accounts detected. I was advised to try another branch that may be less restrictive.

Just yesterday, I attempted to open an joint FTD account at my local Kasikorn branch.
All proceeded as normal until it came to foreign documentation. Explaining I was a long term resident (12+ years) and unable to supply such documents, the teller contacted their are manager, who approved the application as I was able to supply a Yellow TB, pink ID card and Thai Driving licence, without proof of an previous overseas address.

However for whatever reason their scanner was unable to read the chip in my passport, so the account was declined.

I'm not sure the particular teller knew what she was doing, so later today I'll return for round two.

14 hours ago, Liquorice said:

However for whatever reason their scanner was unable to read the chip in my passport, so the account was declined.

I'm not sure the particular teller knew what she was doing, so later today I'll return for round two.

Finally, today success opening a Savings account and FTD account in joint names at Kasikorn.
Only took two trips and 5 hours of time. 🙄

On 7/2/2026 at 9:21 AM, soisanuk said:

Bangkok Bank continues their ridiculous policy which make no sense. For those using the 800k in a Thai bank they insist it be in the account 4 months in advance (Immigration only requires 2 months). If it the full 800k has not been there for the 4 months, Bangkok bank freezes that amount from the account for the next 4 months (Immigration requires the 800k remain for 3 months and as mentioned, during the other 7 months it is not to fall below 400K).

For those using the 65k monthly income method, they refuse to give the verification method unless you bring your account balance up to 800k and if done, most likely they would freeze that amount for the next 4 months.

I do my annual renewal in June using the monthly income method - at least 65k deposited each month into a Thai bank account from a foreign source. In July & August last year I made the transfers into my Bangkok Bank account. But when Bangkok Bank started playing their silly games in September, I opened an account with Kasikorn Bank and made my next 10 transfers into that account.

I did my renewal on June 23rd. I had already obtained certified bank statements from Bangkok Bank for Jul & Aug. I obtained my certified statements from Kasikorn along with bank account verification letter the day before. I didn't bother getting a Bangkok Bank verification letter being aware of the current policy.

The Immigration Officer reviewed all my documents, highlighting the usual items including monthly transfers then said I needed a verification letter from Bangkok Bank. I said I did not believe they would give me one, but he said for me to go to the branch in Central Festival Beach and they would provide it. He also said I needed to update my Bangkok Bank passbook. Since it was full, I knew it would require a new one for the update. The Immigration placed a small note in Thai with my documents, stapled them all together and returned them to me.

I decided to first give the a try at the branch where I opened the account. No problem in getting updated passbook. The supervisor for the counter personnel looked through my passport noting I had a retirement extension. As expected, she said she could not give me a verification letter until I deposited 800k in the account.

This led to about 10 minutes of me explaining and insisting during which she made some phone calls, apparently to someone higher up. I showed her my packet of documents already reviewed by Immigration and pointed out the Kasikorn Bank provided the a verification letter with an account balance far below 800k and the bank statements from Bangkok Bank and Kasikorn Bank which had already been reviewed by Immigration with the monthly deposits highlighted.

I think it was the fact that Kasikorn had issued a verification letter that finally persuaded her to give me one, but before doing so, she held up my passbook and asked if I was going to use it for my extension renewal next year. I told her no, I would be using Kasikorn account. She then issued the verification letter. If she had still refused, I would have tried the branch at Central Festival Beach. But since I did get it at my branch, I have no way to know whether the branch there would have been successful.

What really gets me is why Bangkok Bank has instituted such a policy. They should just provide the verification letter and leave it up to the Immigration Officer to determine if it was sufficient to approve the extension.

I think this is just Chonburi issue, I have been using Bangkok Bank since 2002 and have never had an issue with them. All of this was caused by agents doing the in and out with the 800,000 baht in an account.

On 8/25/2026 at 10:57 AM, DrJack54 said:

What didn't you understand in early posts.

800k two months prior to application and 3 months after application.

Not below 400k in other months.

397k is less than 400k

can you elaborate on your comment

"Not below 400k in other months."

my Balance is now below 400K, are you spreading misinformation, or do you not understand the current conditions ?

Edited August 27Aug 27 by bobwhite
Tidy up

21 minutes ago, bobwhite said:

400k

can you elaborate on your comment

"Not below 400k in other months."

my Balance is now below 400K, are you spreading misinformation, or do you not understand the current conditions ?

You stated....

"i managed to see my 800k after August 1st.

my actual balance is now 397,123"

For money in bank method for extension retirement the funds cannot be below 400k in any month.

If they are then you would be non compliant

Trolling post removed

1 hour ago, bobwhite said:

can you elaborate on your comment

"Not below 400k in other months."

my Balance is now below 400K, are you spreading misinformation, or do you not understand the current conditions ?

Bob, from your first post which stated you applied for a new Non O visa (which would only grant a stay of 90 days), it's assumed you actually applied for a 1 year extension of stay based on retirement, which requires 800K in a Thai bank for 2 months prior to submitting the application.

The freezing of the 800K is a Bangkok bank policy, if said 800K wasn't in the account for 4 months prior to requesting the account verification letter, and nothing to do with Immigration.

Immigrations financial requirements for a 1 year extension of stay are as follows.

Using the 800K funds method section 4 is applicable.

Once the extension has been granted, you must maintain the balance of 800K for 3 months thereafter.
You may then withdraw funds, but the remaining balance must not fall below 400K for the remaining 7 months.

You've made a withdrawal and state the remaining balance is now 397,123 BHT, which is less than 400K.

Next year when applying for a further 1 year extension you will be required to provide a 1 year bank statement providing evidence of;
a) A balance of 800K for 2 months prior to the date of submitting that application.
b) That you complied with the continuing financial requirements after your current extension was approved. (800K for 3 months, 400K remaining months).

As you haven't complied, by withdrawing an amount allowing the balance to drop below 400K, your next extension application will be refused and you'll probably have to start the whole procedure again by leaving Thailand and re-entering with a new Non O 90 day visa.

Wouldn't OP technically be on overstay on a day when his bank balance dropped under 400k?

I know no one is going to check that if he just leaves the country, but if he tries to apply for a new extension next year, could he face maximum overstay fine from immigration?