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.
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