Unfortunately, the bank is going to suspend my account at the end of the month, and I won't be able to reopen it because I don't have the "right" visa to keep it open. Every month, I receive rent from properties I own in Spain, paid in two installments, and I’d prefer not to use Western Union or MoneyGram and cannot sign to Revolut as I am resident here. What other options do I have for receiving these funds here in Thailand? Thanks, everyone.

Wise?

2 hours ago, Adrian78 said:

Unfortunately, the bank is going to suspend my account at the end of the month, and I won't be able to reopen it because I don't have the "right" visa to keep it open. Every month, I receive rent from properties I own in Spain, paid in two installments, and I’d prefer not to use Western Union or MoneyGram and cannot sign to Revolut as I am resident here. What other options do I have for receiving these funds here in Thailand? Thanks, everyone.

Depending on nationality, there are a number offshore bank accounts available - I'm from the UK and The Standard Bank Optimum account seems to come highly recommended & has the lowest requirements of the accounts I've found so far.

FWIW I opened my Revolut account whilst on a visit to the UK (I told them I was only temporarily resident in the UK at my parents address & provided them with my Thai Tax number though this isn't required), friend of mine opened his from Thailand using his Dad's address, no proof of address was required.

Edited July 21Jul 21 by SamSpade

Scum Thai bank.

Can you tell us how you found out about this? Did you go in for something ordinary and they noticed you have the “wrong” visa?

15 minutes ago, Everyman said:

Scum Thai bank.

Can you tell us how you found out about this? Did you go in for something ordinary and they noticed you have the “wrong” visa?

You lead with Scum Thai Bank, then you ask what happened. You have no idea of the details of this situation. Banks are being forced to strengthen their regulations. I see it when I visit my bank having had my account for over 35 years there is always something new.

4 minutes ago, marin said:

You lead with Scum Thai Bank, then you ask what happened. You have no idea of the details of this situation. Banks are being forced to strengthen their regulations. I see it when I visit my bank having had my account for over 35 years there is always something new.

There’s always a craven soul with no dignity that’s happy to have their throat stepped on by soulless bureaucrats.

It’s impossible to do anything about the racist foreigner blaming in Thailand but you don’t have to pretend it’s something else. Grow some backbone.

Edited July 22Jul 22 by Everyman

1 minute ago, Everyman said:

There’s always a craven soul with no dignity that’s happy to have their throat stepped on by soulless bureaucrats.

It’s impossible to do anything about the racist foreigner blaming in Thailand but you don’t have to pretend it’s something else. Grow some backbone.

Whoa dude you are never going to make it here. Learn to go with the flow and you will have a minimum of problems and anger. Both of which you seem to resonate with. Jai yen yen. 🤣🤣

2 minutes ago, marin said:

Whoa dude you are never going to make it here. Learn to go with the flow and you will have a minimum of problems and anger. Both of which you seem to resonate with. Jai yen yen. 🤣🤣

My biggest issue is with “leave yer brane at the airport” types who for the last 26 years have been trying to “teach” me about how to live in Thailand by being a submissive, brainless turd like them. I’ve always wondered how they do it - hit themselves in the head with a brick? Huff glue? Anything to dull that spark of humanity, right?

Now. an we get back to how the visa issue was discovered? I want to know that so i can take precautions.

9 minutes ago, Everyman said:

My biggest issue is with “leave yer brane at the airport” types who for the last 26 years have been trying to “teach” me about how to live in Thailand by being a submissive, brainless turd like them. I’ve always wondered how they do it - hit themselves in the head with a brick? Huff glue? Anything to dull that spark of humanity, right?

Now. an we get back to how the visa issue was discovered? I want to know that so i can take precautions.

Grow a 'brane'?? Oops too sad that won't work!

2 hours ago, Everyman said:

My biggest issue is with “leave yer brane at the airport” types who for the last 26 years have been trying to “teach” me about how to live in Thailand by being a submissive, brainless turd like them. I’ve always wondered how they do it - hit themselves in the head with a brick? Huff glue? Anything to dull that spark of humanity, right?

Now. an we get back to how the visa issue was discovered? I want to know that so i can take precautions.

You come across as slightly agitated. Strange, most people who have lived in Thailand for 20+ years are pretty much at ease (and in peace) with the country and their place in it.

8 hours ago, Adrian78 said:

Unfortunately, the bank is going to suspend my account at the end of the month, and I won't be able to reopen it because I don't have the "right" visa to keep it open.

Which bank is that and which visa do you have? Maybe another bank would be less difficult, unless you have some kind of tourist visa.

9 hours ago, Adrian78 said:

Unfortunately, the bank is going to suspend my account at the end of the month, and I won't be able to reopen it because I don't have the "right" visa to keep it open. Every month, I receive rent from properties I own in Spain, paid in two installments, and I’d prefer not to use Western Union or MoneyGram and cannot sign to Revolut as I am resident here. What other options do I have for receiving these funds here in Thailand? Thanks, everyone.

Thailandtravel guides

Depending on how much money you have to deposit, it is possible to open accounts at some non-Thai banks without actually leaving Thailand. I think HSBC is one such bank, and there are banks in Singapore that will open an account for you. I think I've read about a few others, but off the top of my head I'm not sure of the locations. Panama maybe?

7 hours ago, Caldera said:

unless you have some kind of tourist visa

That could well be the problematical issue here, depending on what he means by not having the "right" visa.

The two best options for receiving payments overseas and then transferring the money cheaply and quickly into Thailand are Wise and Revolut.

If you can't arrange that, your next best option would be Lloyds Bank in the Isle of Man. You can open an offshore account with them from Thailand using a Thai address. No minimum account balance and no monthly service fees. Outgoing wires from Lloyds are also free.

https://www.lloydsbank.com/international/products-and-services/saving-accounts.html

The problem you may run into is that if you are regularly receiving payments from third parties every month then you might be asked to open a business account.

Seeing as the OP hasn't replied and looking at his posting history, I'm pretty sure he's a troll.

5 hours ago, FriscoKid said:

The two best options for receiving payments overseas and then transferring the money cheaply and quickly into Thailand are Wise and Revolut.

If you can't arrange that, your next best option would be Lloyds Bank in the Isle of Man. You can open an offshore account with them from Thailand using a Thai address. No minimum account balance and no monthly service fees. Outgoing wires from Lloyds are also free.

https://www.lloydsbank.com/international/products-and-services/saving-accounts.html

The problem you may run into is that if you are regularly receiving payments from third parties every month then you might be asked to open a business account.

I looked into Lloyds and whilst they have an account (Islands Classic Account) with no monthly service fees, this is for Channel Island & Isle of Mann residents only.

Their basic "International Classic" account has a £5 per month service fee if you don't keep a minimum balance of £5,000 & their "International Plus" account is £20 per month if you don't keep a minimum balance of £10,000

From my research the Standard Bank Optimum account seems to be constantly recommended but this also requires a minimum balance of £5,000 or the quarterly fee is £60 (so £20 per month).

2 hours ago, SamSpade said:

I looked into Lloyds and whilst they have an account (Islands Classic Account) with no monthly service fees, this is for Channel Island & Isle of Mann residents only.

Their basic "International Classic" account has a £5 per month service fee if you don't keep a minimum balance of £5,000 & their "International Plus" account is £20 per month if you don't keep a minimum balance of £10,000

From my research the Standard Bank Optimum account seems to be constantly recommended but this also requires a minimum balance of £5,000 or the quarterly fee is £60 (so £20 per month).

I have had both International Bonus Saver Accounts and Money Market Call Accounts with them for more than 15 years. I have both US dollar and euro accounts for each, and I have never been charged any monthly fees.

For the past few years, I haven’t really used the accounts, so they all have essentially zero balances right now. That’s all I can tell you. It’s possible the fees are different for a GBP account.

That said, the OP mentioned that they need to receive payments from property rentals in Spain, so I would expect they would be paid in euros.

5 minutes ago, FriscoKid said:

I have had both International Bonus Saver Accounts and Money Market Call Accounts with them for more than 15 years. I have both US dollar and euro accounts for each, and I have never been charged any monthly fees.

The "International Bonus Saver " & "Money Market Accounts" didn't come up in my research but a very quick scan around suggests that you have to have another account to be able to link these to so I would still need something like the "International Classic Account" which carries the £5 fee on blances below £5,000.

But even if you have to keep £5,000 or pay £5 pm, Lloyds seems to be a better way of getting a UK Offshore Bank account than the often recommended Standard Bank Optimum account...

Feature	Lloyds Bank International Classic Account	Standard Bank Optimum Account
Banking Jurisdiction	Isle of Man / Jersey / Guernsey	Isle of Man / Jersey
Supported Currencies	GBP, USD, EUR	GBP, USD, EUR, AUD
Minimum Balance	£5,000 (or $5,000 / €5,000)	£5,000 (or $7,000 / €7,000 / AU$7,000)
Maintenance Fee (Below Min.)	£5 / month ($5 / €5)	£60 / quarter ($90 / €90 / AU$90) (approx. £20/mo)
Debit Card Annual Fee	Free	£15 / year ($25 / €20 / AU$25)
Overseas FX Fee (Card Spend)	0% (No foreign transaction fee from Lloyds)	2.75% Foreign Exchange Commission
ATM Withdrawal Fee (Cash)	0% from Lloyds (No handling/conversion fee)	1.75% (Min. £2.00 / $3.00) + 2.75% FX fee
Outward International Transfers	Free (via online International Moneymover)*	£20 ($30 / €30) via online banking
Inward Transfers	Free	Free

Whilst talking about fees, I pay £80 per year to have the "Premium" Revolut account, well worth it if you're going to be using the account a lot overseas.

Edit: I assumed the OP is British as I've only heard of the Britsh Banks actively closing down people's account, if he's not British then I apologise as all the research I've done has been for me (a Brit) facing the threat of having my UK account closed down & looking for somewhere to recieve my Pension/Rental income + host my GIA & ISA accounts (For which I've opened an IBKR account 100% linked to my Thail address, even opened one for my Thai GF with no problems).

Edited July 23Jul 23 by SamSpade

... maybe get the "right" visa ...?

23 hours ago, Caldera said:

You come across as slightly agitated. Strange, most people who have lived in Thailand for 20+ years are pretty much at ease (and in peace) with the country and their place in it.

Thai people aren’t.

1 hour ago, motdaeng said:

... maybe get the "right" visa ...?

Obviously you are over 50. For some strange reason if you are, then Thailand opens its legs for you

i have been in Thailand since i was 19 and im not 50 yet. i’m scared that Bangkok Bank will close my account because I only have a DTV. I opened my account when i had a work permit 19 years ago.

If you are good at mathematical inequalities that should set up an algebra problem that you can solve to find my current age. I would commend you if you could solve it, but probably you would just ask ChatGPT.

Edited July 23Jul 23 by Everyman

5 hours ago, Will27 said:

Seeing as the OP hasn't replied and looking at his posting history, I'm pretty sure he's a troll.

For that you only have to look at ALL his previous topics.

In the past I have seen at least 1 moderator acknowledging that, so why this account isn't banned?

3 hours ago, SamSpade said:

The "International Bonus Saver " & "Money Market Accounts" didn't come up in my research but a very quick scan around suggests that you have to have another account to be able to link these to so I would still need something like the "International Classic Account" which carries the £5 fee on blances below £5,000.

It was a long time ago that I opened these accounts, so I assume their products and requirements have changed since then. At the time, I only wanted to open a savings account. From what I remember, the Money Market Call Account was created automatically for me as a holding account for incoming funds. The idea was to transfer money into the Money Market Call Account first, then move it to a linked account, such as a savings account or fixed deposit. Likewise, when a fixed deposit matured, the funds would automatically be transferred back into the Money Market Call Account until you decided what to do with the funds. It essentially is just a temporary holding account and I am not even sure if they require having one any more.

They also used to have a separate website for Lloyds International customers, with a dedicated site for offshore banking. It now looks like they have combined their onshore and offshore banking into a single website. That probably makes things a bit more confusing for potential new customers like yourself, since the site includes different products for both onshore and offshore banking. The International Classic Account you mentioned appears to be an offshore product, but I have never heard of it before, so I assume it is relatively new.

It also looks like they now offer something called an International Instant Saver Account at the link below. Based on Lloyds' published information, this offshore savings account has no monthly service fee, no ongoing minimum balance requirement, and can be opened with as little as £1. Perhaps it has replaced the International Bonus Saver account that I have, as it appears to be very similar apart from the name, available in multi currencies, etc. If so, that would probably be the best option for you. When I opened my accounts over a decade ago, I believe I had to make an initial deposit of around £5,000 to £10,000, although I was free to withdraw it all afterward. From what I can see, that initial funding requirement no longer even applies, which makes things even easier.

https://www.lloydsbank.com/international/products-and-services/saving-accounts/international-instant-saver-account.html

Just experienced similar and come to the forum to see if it’s being discussed.

I opened a Bangkok Bank account in December 2018 using a certified copy of my UK passport (certified at embassy), no issue being on a visa exempt entry. Note, I do not live in Thailand but married and have a son. I always enter on visa exempt because only ever stay a few days, 3 weeks max at Christmas.

I just visited the Nana branch to increase my daily limits (app said needed to go to bank). The lady looked in my passport and said because I didn’t have a long stay visa, I won’t be able to renew the bank book when full or get a new atm card when current one expires in 2028. She helped me increase the limits though.

“You have two option Mr, get visa or close account na”

“I don’t need a visa, I don’t live or work here”

“Mr, new bank policy this month na, maybe change again later na”

All said whilst laughing through her mask lol.

I was a bit annoyed and didn’t ask about what visa is acceptable (I.e. is DTV ok). She didn’t close my account on me but looks like I have it for a couple more years

1 hour ago, manylizards said:

I was a bit annoyed and didn’t ask about what visa is acceptable (I.e. is DTV ok). She didn’t close my account on me but looks like I have it for a couple more years

As you're married to a Thai, you could consider entering with a Non-O eVisa when you come to Thailand again. While you don't really require it for the short duration of your stays, it should be sufficient to get any updates done without them closing the account. The DTV is classified as a tourist visa, so there's a good chance that they wouldn't accept it.

3 hours ago, Caldera said:

As you're married to a Thai, you could consider entering with a Non-O eVisa when you come to Thailand again. While you don't really require it for the short duration of your stays, it should be sufficient to get any updates done without them closing the account. The DTV is classified as a tourist visa, so there's a good chance that they wouldn't accept it.

Thanks for that suggestion, I thought a 90 day visa was not what she was suggesting but I guess it makes sense, as it can be extended. I guess as long as it isn't a tourist/DVT visa should be ok. I know the married to a Thai visa is available to me, but never considered getting one because of not needing 90 days and no multi-entry available. Will give it a try later in the year.

On 7/23/2026 at 1:21 AM, FriscoKid said:

The two best options for receiving payments overseas and then transferring the money cheaply and quickly into Thailand are Wise and Revolut.

If you can't arrange that, your next best option would be Lloyds Bank in the Isle of Man. You can open an offshore account with them from Thailand using a Thai address. No minimum account balance and no monthly service fees. Outgoing wires from Lloyds are also free.

https://www.lloydsbank.com/international/products-and-services/saving-accounts.html

The problem you may run into is that if you are regularly receiving payments from third parties every month then you might be asked to open a business account.

Outgoing transfers from Lloyds offshore used to be free. They still call them free but have started using Standard Chartered bank as an intermediary. They charge £12 for the transfer. I only know that because it showed up on the credit advice slip I got from my Thai bank for the last transfer. The fee does not show up anywhere with Lloyds. Their terms do state that they cannot be responsible for any fees imposed by intermediary banks.

No answer from Adrian78?

On 7/22/2026 at 9:54 AM, Everyman said:

My biggest issue is with “leave yer brane at the airport” types who for the last 26 years have been trying to “teach” me about how to live in Thailand by being a submissive, brainless turd like them. I’ve always wondered how they do it - hit themselves in the head with a brick? Huff glue? Anything to dull that spark of humanity, right?

Now. an we get back to how the visa issue was discovered? I want to know that so i can take precautions.

For the last year Bangkok has taken a copy of my passport and visa extension. So obviously they looked at his passport when he was doing some business and saw that he didn't have a visa.

On 7/22/2026 at 9:54 AM, Everyman said:

Now. an we get back to how the visa issue was discovered? I want to know that so i can take precautions.

Nothing new. I opened my account in 2000 on visa exempt with address as Apex hotel. In 2014 I got an email saying I had to go to the branch and show appropriate visa or I would lose the facility. Can only assume they checked through the documents. With online banking I had never been anywhere near a branch in years, nor immigration as I was on ME visas.