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Abroad Thai bank acct access SCB, Kbank, Bkk Bank etc questions

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I am needing some real world feedback on accessing Thai banks from outside Thailand. Primarily with the migration away from web browser page to phone apps requiring cellular data connection vs wifi. SCB killed off their web access as did bkk bank, but even though I am grandfathered in on web access they still need a Thai sim functioning abroad for OTP. So can those with firsthand experience tell me which banking phone apps work via WIFI connection (not cellular data roaming) ie SCB Easy app, K-plus and Bangkok Bank?

Also has anyone ran into any geolocation IP restrictions for such wifi access? Another detail is Bangkok bank has a setting to deactivate or put on hold ones OTP, but doesn’t detail if this turns off or restricts subsequent transfers. Of course there remains the big problem if you lose the phone while abroad that the browser page access never had. thanks

I can’t speak about the other banks but Bangkok Bank doesn’t require any particular kind of internet to access their mobile banking app.

The app is superior anyway, I hadn’t used the browser version in years.

I have used Thai banking apps via WIFI often when overseas in Europe. I never had any issue in doing so. My phone has two Sim slots, I had my Thai Sim as well as a foreign Sim inserted but used WIFI for data.

Edited by msbkk

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The problem you'll have is if you need to install the apps, if already installed, using any wifi will be ok

KPlus works fine, WiFi or data. Been using it abroad for 3+ years.

53 minutes ago, lowp said:

Of course there remains the big problem if you lose the phone while abroad

I can't recommend a solution if your phone is Android based. For iPhone, Apple can provide access to your phone backups in the cloud so you can restore to a replacement iPhone very easily. It's best to have the habit of performing regular backups of your phone no matter what brand you use. Set a monthly calendar reminder to do them.

1 minute ago, gamb00ler said:

I can't recommend a solution if your phone is Android based. For iPhone, Apple can provide access to your phone backups in the cloud so you can restore to a replacement iPhone very easily. It's best to have the habit of performing regular backups of your phone no matter what brand you use. Set a monthly calendar reminder to do them.

You've tried that with a thai bank app?

14 minutes ago, scubascuba3 said:

You've tried that with a thai bank app?

Didn’t work for me after changing phones, even though some say they were able to get it running on their own without going to the bank or atm, I had to go to the bank or atm to get both kbank and bbl to run on my iPhone despite the backup.

Edited by novacova

23 minutes ago, scubascuba3 said:

The problem you'll have is if you need to install the apps, if already installed, using any wifi will be ok

16 minutes ago, scubascuba3 said:

You've tried that with a thai bank app?

There is such a way for Android too if you have the app on another device installed already. You can backup it to a cloud and install on another device from the backup. Not sure if it works for the banking apps as well.

Edited by msbkk

43 minutes ago, scubascuba3 said:

You've tried that with a thai bank app?

the app and its data does get restored ... I think in most cases you still need to get the app re-authorized. But, the restored software/data is a much better starting point than a blank phone.

1 hour ago, msbkk said:

There is such a way for Android too if you have the app on another device installed already. You can backup it to a cloud and install on another device from the backup. Not sure if it works for the banking apps as well.

Some bank apps only allow the bank app on one phone, such as Bangkok Bank, unless that has changed

1 hour ago, gamb00ler said:

the app and its data does get restored ... I think in most cases you still need to get the app re-authorized. But, the restored software/data is a much better starting point than a blank phone.

So still an issue using thai mobile number and set up

I use Kbank and GF uses Bangkok bank. The apps work anywhere in the world on cellular and WiFi.

However, to install the Kbank app on my new phone in the UK, it had to be on cellular with my Thai sim card. All I did was switch on data roaming for a few minutes (minimal cost) and the app installed, setup and logged in just fine. No issues using on WiFi afterwards.

Edited by soi3eddie

SCB Easy, K PLUS, and Bangkok Bank’s mobile apps will all work with any WiFi or cellular data connection using an IP address from almost any country, as long as you are not using a VPN.

Also, I am currently outside Thailand, and I just logged in and tested all three apps using both WiFi and cellular data where I am at the moment. No problems at all.

1 hour ago, scubascuba3 said:

Some bank apps only allow the bank app on one phone, such as Bangkok Bank, unless that has changed

Yes, correct. The app on the first device will be disabled when installing it on a new phone. But I have no idea if that can be done when outside of Thailand.

Edited by msbkk

2 minutes ago, msbkk said:

Yes, correct. You will have to disable it on the other device when installing it on a new phone. But I have no idea if that can be done when outside of Thailand.

For security reasons, pretty much all banks only let you run their mobile banking apps on one device at a time as it gets paired to that device. I'd also be surprised with Thai banks if you could actually switch devices without involving the bank in that process.

23 minutes ago, ONIB said:

For security reasons, pretty much all banks only let you run their mobile banking apps on one device at a time as it gets paired to that device. I'd also be surprised with Thai banks if you could actually switch devices without involving the bank in that process.

Probably, not sure about the present time. The last time I changed my phone was 3 years ago and it was still possible to do it at home.

Edited by msbkk

I use my Thai banking apps abroad all the time and they all work fine.

The trouble would start if I lost or bricked my phone while not in Thailand - in many cases it's probably impossible to get them to work on another phone before returning to Thailand.

4 hours ago, msbkk said:

Probably, not sure about the present time. The last time I changed my phone was 3 years ago and it was still possible to do it at home.

It may vary from bank to bank. I also changed phones 3–4 years ago and, as I recall, I had to visit BBL and UOB, and possibly SCB, to sort out the apps. With K-Bank, I think I was able to transfer the app without visiting a branch, but things may have changed since then.

I’d check with each bank directly rather than rely on guesses. Also, these banks didn’t have facial scanning set up back then, so the process may be easier now if your biometrics are already registered.

Gemini gave me the following general guidance, but I’d still confirm with each bank:

1. Use mobile data from the Thai SIM registered with the account (rather than Wi-Fi).

2. Install the app on the new phone and log in/verify your details.

3. Complete SMS OTP verification.

4. Complete the facial scan/biometric check.

You may need to visit a branch if you’ve changed your passport/ID or phone number, or if the biometric verification fails. Bring your passport/ID and, if required, your bank passbook.

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