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.

Who are the people you describe as submissive, brainless turds ? Is it those of us who've been around a long time, in my case I first set foot in Thailand in 1962, and who have learned through experience how things should be done here, or is it those of us who have not been here that long and think they know it all ?

8 hours ago, alanrchase said:

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.

That is correct. There have always been intermediary bank charges when sending out a wire from Lloyds. That is not anything new. Whether there is a fee for that or not depends on where you are sending the money.

If you are sending GBP to another UK bank, there is no need for an intermediary bank because it goes through the UK banking system. If you are sending euros to another euro account, there is no need for one either because that goes through the European banking system. Even when sending US dollars from Lloyds to a bank in the United States, an intermediary bank is not always required, depending on the receiving bank.

In this case, I assume you are referring to sending GBP to Thailand. I have not tried that myself, but an intermediary bank would normally be required because the payment is being sent to a bank that does not operate in the same currency as the sending bank.

If this service used to be fully free and Lloyds now routes these transfers through Standard Chartered, which charges an intermediary bank transfer fee, then there is probably not much you can do about it.

The only possible way to avoid the intermediary bank charge would be to send the GBP to a Wise account first, convert it to Thai baht within Wise, and then send it from Wise to your Thai baht account in Thailand. That removes the intermediary bank from the process, leaving only Wise’s relatively small transfer fee for the local transfer to your Thai bank.

17 minutes ago, FriscoKid said:

That is correct. There have always been intermediary bank charges when sending out a wire from Lloyds. That is not anything new. Whether there is a fee for that or not depends on where you are sending the money.

If you are sending GBP to another UK bank, there is no need for an intermediary bank because it goes through the UK banking system. If you are sending euros to another euro account, there is no need for one either because that goes through the European banking system. Even when sending US dollars from Lloyds to a bank in the United States, an intermediary bank is not always required, depending on the receiving bank.

In this case, I assume you are referring to sending GBP to Thailand. I have not tried that myself, but an intermediary bank would normally be required because the payment is being sent to a bank that does not operate in the same currency as the sending bank.

If this service used to be fully free and Lloyds now routes these transfers through Standard Chartered, which charges an intermediary bank transfer fee, then there is probably not much you can do about it.

The only possible way to avoid the intermediary bank charge would be to send the GBP to a Wise account first, convert it to Thai baht within Wise, and then send it from Wise to your Thai baht account in Thailand. That removes the intermediary bank from the process, leaving only Wise’s relatively small transfer fee for the local transfer to your Thai bank.

That has not been my experience with them. My last three transfers with Lloyds have gone through Standard Chartered. Previous to that my transfers went directly from Lloyds to Bangkok bank with no charges other than the 500 baht by Bangkok Bank.

As you can see, in 2024 the £10,000 was received directly from Lloyds. In 2025 £10,000 was sent but only £9,987.50 was recieved. Transfers were now going through Standard Chartered.

20 minutes ago, alanrchase said:

That has not been my experience with them. My last three transfers with Lloyds have gone through Standard Chartered. Previous to that my transfers went directly from Lloyds to Bangkok bank with no charges other than the 500 baht by Bangkok Bank.

As you can see, in 2024 the £10,000 was received directly from Lloyds. In 2025 £10,000 was sent but only £9,987.50 was recieved. Transfers were now going through Standard Chartered.

Understood. What I meant is that intermediary bank charges with Lloyds are not a new thing in general. While they may have only appeared on your last three transfers to Bangkok Bank, I was already experiencing intermediary bank charges with Lloyds more than 10 years ago. There were even times when I was charged as much as $40 by an intermediary bank.

Over the years, those charges seemed to decrease, and in some cases they disappeared altogether. It appears to depend on which correspondent banking relationships are being used, and those relationships can change over time. Right now there seems to be an intermediary bank involved when transferring to Bangkok Bank, but that could change again in the future. Likewise, if Lloyds were sending money to a different bank in Thailand, there might not be an intermediary bank charge at all. It is difficult to say because these arrangements are constantly changing.

The main point of my first post on the subject was that Lloyds themselves do not charge a fee for outgoing wire transfers. If an intermediary bank is required, which is outside Lloyds’ control, that bank may deduct its own fee along the way. That is also why I gave examples of ways to transfer money from Lloyds without any fees in my previous reply to you. It depends on the currency being sent and the destination bank, not on Lloyds’ wire transfer fee policy.

On 7/21/2026 at 9:21 PM, 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.

That is worrying, which bank is that? I hope not K Bank.

On 7/21/2026 at 8:21 PM, Adrian78 said:

I won't be able to reopen it because I don't have the "right" visa to keep it open.

Pay an agent to "assist" in opening a bank account with another bank, or, pay the agent to "assist" in getting the "right" visa.

On 7/23/2026 at 10:21 AM, SamSpade said:

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 Thursday at 10:28 AM2 days by SamSpade

Being from the UK myself the threat of being debanked is always at the back of my mind, and its always good to know what options are available to us , never heard of IBKR but it seems to be worth looking into Have you used it to transfer money here ? if so , have you noticed if it generates an "FTT" code in the receiving Thai bank?

I maintain a UK address at a mates house, and have used that address for 20+ years I'm thinking of opening a UK based wise account, to receive my pension when I eventually qualify for it

I have not so far had any issues with my UK banking, ( he said frantically looking for wood to touch) happily the same goes for my Bangkok Bank account , (opened about 30 years ago on a visa exempt entry) I do have a long term visa now as I'm on marriage extensions I guess they must have sussed that out themselves

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.

I've generally found that its better not to hurl insults at the people you are asking for assistance , maybe that is something you should bear in mind,

On 7/23/2026 at 12:04 PM, Everyman said:

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.

I would like to say " I don't want to worry you" but that would be a lie as I really don't care The fact is, Its a racing certainty that your account will be closed, its surprising that it hasn't already been shut down ( and your money confiscated) it's just a matter of time . So yes be scared , very scared, Furthermore judging by the tone of your posts ("scum thai bank" etc) I don't hold out much hope of you being able to talk yourself out of any proble

On 7/23/2026 at 12:04 PM, Everyman said:

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.

No algebra or Chat GPT required at all, your posts clearly indicate you are psychologically around 12 to 14 years old