Would like to transfer/wire a smaller amount((200 k thb) to the thai bank account,is there a certain limit(thb) at which the bank will report the transfer to the thai tax office?

I transfer always 250k from WISE to BKK bank since last year. No requests so far.

I heard (not confirmed info of course) that transferring more than 1mio. might cause an issue.

Don't worry about this too much.

They don't report on specific transactions. What they do under the Revenue Code is aggregate the total in the year and then report if:

Total Transactions: Receiving 3,000 or more deposits or inward transfers in a year (regardless of the total amount).

Amount and Volume: Receiving 400 or more deposits or inward transfers in a year AND the total accumulated value reaches THB 2 million or more.

12 hours ago, Gaccha said:

They don't report on specific transactions. What they do under the Revenue Code is aggregate the total in the year and then report if:

Total Transactions: Receiving 3,000 or more deposits or inward transfers in a year (regardless of the total amount).

Amount and Volume: Receiving 400 or more deposits or inward transfers in a year AND the total accumulated value reaches THB 2 million or more.

Good info,Thank you!

I don't concern myself with it because all funds brought into Thailand are in cash and remain in cash. I can't remember that last time in at least 5 years that I made bank deposit.

My banking relationship in Thailand is strictly to hold 800,000+ baht to meet Non O requirements.

5 minutes ago, Ricohoc said:

I don't concern myself with it because all funds brought into Thailand are in cash and remain in cash. I can't remember that last time in at least 5 years that I made bank deposit.

... i'm not mistaken, you have to exchange the money into thai baht. you'll need your passport for that, and bingo, your details are on record.

don't see any advantage (brining cash into thailand) over a bank transfer ... if anything, i see some disadvantages ...

30 minutes ago, motdaeng said:

... i'm not mistaken, you have to exchange the money into thai baht. you'll need your passport for that, and bingo, your details are on record.

don't see any advantage (brining cash into thailand) over a bank transfer ... if anything, i see some disadvantages ...

It's not foreign cash. It's an ATM withdrawal from a foreign bank that arrives as Thai baht; and it remains in Thai baht.

Whether the ATM transaction is tracked or not, I'm unconcerned. The funds never hit the bank as a deposit.

1 hour ago, Ricohoc said:

It's not foreign cash. It's an ATM withdrawal from a foreign bank that arrives as Thai baht; and it remains in Thai baht.

Whether the ATM transaction is tracked or not, I'm unconcerned. The funds never hit the bank as a deposit.

That sounds very much like a contradiction? Or am I missing something?

1 hour ago, Ricohoc said:

Whether the ATM transaction is tracked or not, I'm unconcerned. The funds never hit the bank as a deposit.

I have no idea what is going through your mind so I don't understand why you are 'unconcerned', but for the benefit of the OP and other readers, let's analyse what happens.

If you are single and withdraw more than 60,000 a year (120,000 if married) at ATMs in Thailand then you must complete a PND 90 tax form.

There are then money laundering laws to consider. If your ATM withdrawals over the year indicate structured cash-outs then you'll be flagged by the increasingly sophisticated AI system in place.

PriceWaterhouse describe the system, the Anomaly Detection Engine, like this. This is the machine-learning core. Rather than humans reviewing accounts, these algorithms run predictive risk scoring. It checks variables like lifestyle indicators, localized asset registries, and the physical frequency/location of foreign debit card transactions (like ATM cash-outs) against zero or minimal declared domestic income.

Like all these things, it's not a problem until it is one giant frickin' problem.

I transfer about THB 80k each month from my account in the USA. My bank there requires me to classify the transfer. I categorize it as Family Support for a Long-Term Stay in Thailand. I don't know if my Thai bank, Ayudyha (Krungsri) reports that to the Thai Tax Office or not, but this has not been a problem for the past 20+ years.

If the goal is to prevent Thailand banks from controlling one's cash, then the advantage is that the Thailand banks don't control the cash.

At present, less than 5% of my cash assets are in Thailand banks. That is the mission, the goal and the advantage.

You may now continue with your discussions about this that have nothing to do with my tax burden, my mission, my goal and the advantage.

6 minutes ago, WDSmart said:

I don't know if my Thai bank, Ayudyha (Krungsri) reports that

The reporting requirements of the bank for Thai revenue purposes are clearly set out and I have already listed them out above.

But there is also a slick AI system in place detecting anomalies such as money-laundering 'smurfing' etc., which requires no reporting by the bank; it simply happens all-the-time automatically. There is no human involvement until the system is triggered.

20 minutes ago, WDSmart said:

I transfer about THB 80k each month from my account in the USA. My bank there requires me to classify the transfer. I categorize it as Family Support for a Long-Term Stay in Thailand. I don't know if my Thai bank, Ayudyha (Krungsri) reports that to the Thai Tax Office or not, but this has not been a problem for the past 20+ years.

If it is truly about "Know Your Customer", then as long as there is nothing drastically different to raise suspicion, then nothing of what you've been doing should be a problem.

But I contend that all foreigners in Thailand in 2026 are basically treated the same by all the banks -- like criminals.

32 minutes ago, Gaccha said:

There are then money laundering laws to consider. If your ATM withdrawals over the year indicate structured cash-outs then you'll be flagged by the increasingly sophisticated AI system in place.

PriceWaterhouse describe the system, the Anomaly Detection Engine, like this. This is the machine-learning core. Rather than humans reviewing accounts, these algorithms run predictive risk scoring. It checks variables like lifestyle indicators, localized asset registries, and the physical frequency/location of foreign debit card transactions (like ATM cash-outs) against zero or minimal declared domestic income.

Like all these things, it's not a problem until it is one giant frickin' problem.

Generating lists is not an issue, but then comes again the problem of enforcement.

To shorten the list, I assume criteria should be high (e.g. multiple daily 20k/30k ATM withdrawals amounting 8+ figures THB) before AMLO (Anti-Money Laundering Office) is triggered and available to come knocking at the Thai resident door.

17 hours ago, Gaccha said:

They don't report on specific transactions. What they do under the Revenue Code is aggregate the total in the year and then report if:

Total Transactions: Receiving 3,000 or more deposits or inward transfers in a year (regardless of the total amount).

Amount and Volume: Receiving 400 or more deposits or inward transfers in a year AND the total accumulated value reaches THB 2 million or more.

This is helpful and good to know, thanks for that. I asked Claude AI and one point it made that I thought worth sharing:

How accounts are aggregated: Counts are consolidated per bank — for example, three accounts at Bank A are combined, but not combined with Bank B.  So the thresholds apply institution by institution, not across your entire Thai banking footprint.

Source: https://en.thairath.co.th/money/personal_finance/financial_planning/2922087

Keep a few Thai bank accounts and most should be able to avoid further scrutiny, if so desired.

On 7/2/2026 at 3:18 AM, John_s said:

Would like to transfer/wire a smaller amount((200 k thb) to the thai bank account,is there a certain limit(thb) at which the bank will report the transfer to the thai tax office?

Thai banks cares about white washing-rules, like many bank around the World. To my knowledge the banks don't report to the tax office, but for larger foreign transfers — equivalent to US$50,000 — they report to Bank of Thailand. If you are an account owner over a longer period and regularly receive foreign transfers, modest 200k baht is not a sum in a level to care about. I do some transfers during a year between 100k and 200k baht, and I've never had any questions about that.