Kasikorn bank levees 400 baht

[maoro2013]

If you can't open a bank account and can't show income how can a retiree satisfy immigration requirements where you must show 400 or 800 thousand. Obviously not Illogan to open an account without a work permit. I have 3 accounts with three different banks in Thailand there was never a problem. Yellow book was used though.

[Don Mega]

What is the difference between an atm card and a debit card ?

[lopburi3]

An ATM card can not be used for purchase - limited to use in Banks ATM machines and those in any group (here ATM Pool) or plus/cirrus/maestro and such for overseas cards. The debit cards will be marked Visa or such and can be used as ATM card as well as direct purchase of merchant and many can also be used online/mail order and such (almost the same as credit card but funds immediately withdrawn from your account).

[kovaltech]

I do not see any strange in this storey.

On every ATM card I have there is an "expired date", YOUR responsibility and YOUR responsibility alone to renew it before it expires - period.

You can only closed a bank account at the same bank you opened it OR you withdraw all your money and not use it anymore for two years, then the bank will close it automatically

Without a work permit, your can't open a bank account - some banks and branches do yes but legally NOT allowed.

Last and not least DON'T use your logic in Thailand, it will not / never work here!

Basically - if you want to live here follow their rules and don't try to implement your rules ......

i have to like and at the same time disagree with some of above....

-If the annual fee is not paid for over a certain period, then the card could have been canceled, nothing to do with the visible expiry date printed on the card.

-You can open a bank account in any bank, no need for a work permit, biggest bogus i ever heared so far. What else with all retirees ??? or with the married with Thai wife only ?

never seen something more straight forward then opening a bank account in Thailand...

[losworld]

As a long time Kasikorn customer I have twice received a free card. However, the first time they tried very hard to screw me out of 800 baht for a replacement card at one of their branches. It really depends on the branch and if the employee or manager needs to buy a new phone or car at the time:)

Edited September 9, 2015 by losworld

[Transporter]

Actually normal charge for debit card I checked on there website is 250 baht fee per year and there is a 150 baht application fee.

Surely the 150 Baht application fee is only payable once? The 250 baht annual fee should only be paid once a year shouldn't it?

[lopburi3]

I suspect if you do not renew within a set time a new application might well be required - and this would add up to what OP reported as total price and that it was more than normal because he was late renewing.

[yardrunner]

I do not see any strange in this storey.

On every ATM card I have there is an "expired date", YOUR responsibility and YOUR responsibility alone to renew it before it expires - period.

You can only closed a bank account at the same bank you opened it OR you withdraw all your money and not use it anymore for two years, then the bank will close it automatically

Without a work permit, your can't open a bank account - some banks and branches do yes but legally NOT allowed.

Last and not least DON'T use your logic in Thailand, it will not / never work here!

Basically - if you want to live here follow their rules and don't try to implement your rules ......

You can legally open a bank account without a work permit if you are on a retirement extension (you can not get a work permit if you are on a retirement extension)

[Transporter]

I do not see any strange in this storey.

On every ATM card I have there is an "expired date", YOUR responsibility and YOUR responsibility alone to renew it before it expires - period.

You can only closed a bank account at the same bank you opened it OR you withdraw all your money and not use it anymore for two years, then the bank will close it automatically

Without a work permit, your can't open a bank account - some banks and branches do yes but legally NOT allowed.

Last and not least DON'T use your logic in Thailand, it will not / never work here!

Basically - if you want to live here follow their rules and don't try to implement your rules ......

i have to like and at the same time disagree with some of above....

-If the annual fee is not paid for over a certain period, then the card could have been canceled, nothing to do with the visible expiry date printed on the card.

-You can open a bank account in any bank, no need for a work permit, biggest bogus i ever heared so far. What else with all retirees ??? or with the married with Thai wife only ?

never seen something more straight forward then opening a bank account in Thailand...

Banks here are a joke - period.

[Don Mega]

An ATM card can not be used for purchase - limited to use in Banks ATM machines and those in any group (here ATM Pool) or plus/cirrus/maestro and such for overseas cards. The debit cards will be marked Visa or such and can be used as ATM card as well as direct purchase of merchant and many can also be used online/mail order and such (almost the same as credit card but funds immediately withdrawn from your account).

Thanks for the explanation.

[seancbk]

To the OP: Are you talking about an ATM card. a debit card, or something that is a combination of both ? I have lived in Thailand for 20 yrs., and dealt with almost every major bank at some point. I have never had an ATM card with an expiry date on it. Indeed I am still using one (and I mean the actual, original card), that was given to me in 1997.

Perhaps cards in 1997 didn't have an expiry date.

My Kasikorn ATM card clearly says on it - Expiry 02/19 (it was a replacement earlier this year after I lost the previous one - I'm pretty sure I paid 300 baht for the replacement)

The OP is willing to change banks over something that costs about as much as one bottle of imported craft beer. What a great life.

[robblok]

To the OP: Are you talking about an ATM card. a debit card, or something that is a combination of both ? I have lived in Thailand for 20 yrs., and dealt with almost every major bank at some point. I have never had an ATM card with an expiry date on it. Indeed I am still using one (and I mean the actual, original card), that was given to me in 1997.

My kasikorn one has an expiry date of 2019 so i can confirm that there are expiry dates on debit cards.

The OP states ATM card not Debit. My Bangkok Bank Debit card shows 2019 expiration. My Bangkok Bank ATM card has no expiration date on it and I've had it for many years, about the same time as allane above has, mid '90s.

sorry got my answer

Edited September 9, 2015 by robblok

[fxe1200]

I do not use any Thai bank card. When I was offered one, I replied, if everybody would use a card, then you might lose your job. I am that old fashioned, that I still go into my local branch with my passbook, and if I am in urgent need, I still have my credit card with a charge of 1.5% of the middle exchange rate, if I need cash, or go shopping. But I have to admit, I have an allergy against any bank fees.

Edited September 9, 2015 by fxe1200

[gandalf12]

TO be honest, you let te card expire and now you are arguing over Baht 400? It is a small sum so just pay it and carry on.

[happy Joe]

>> Without a work permit, your can't open a bank account - some banks and branches do yes but legally NOT allowed.

As some posters mentioned - this is not true

I think I should have written "With a tourist visa you can't open a bank account", you either need a work permit OR a NON-Immigrant O visa (or something similar) - correct?

Pardon me for being a little outspoken friend but you are again wrong. Anyone can open a bank account in Thailand with a tourist visa and a residence certificate obtained with a simple hotel bill.

However it is true that some banks are not interested in the management of sleeping accounts for tourists with almost free services. They therefore require a long-term visa but it is their free choice.

Kasikorn agrees generally but again there are exceptions because it is the agency responsible which establishing rules.

[rapom]

>> Without a work permit, your can't open a bank account - some banks and branches do yes but legally NOT allowed.

As some posters mentioned - this is not true

I think I should have written "With a tourist visa you can't open a bank account", you either need a work permit OR a NON-Immigrant O visa (or something similar) - correct?

No not correct you can open on a tourist visa per below at Bangkok Bank:

• Foreigner with a Work Permit
  • Passport
  • Work Permit

• Foreigner with Long-stay or Tourist Visa
  • Passport and one of the following documents:

    2.1 An official document from another country, such as a document from the

    relevant agency giving evidence of the customers right to receive pension

    funds, OR a letter of reference from one of the following:

  • Embassy or international organization
  • Customers home bank to Bangkok Bank via the SWIFT messaging network
  • Person acceptable to Bangkok Bank e.g. branch officer, customer, government officer or company executive
  • Educational institution located in Thailand and acceptable to the bank
  • Company that is acceptable to the bank, confirming the customer is in the process of getting a work permit

2.2 Other documents that show the name of the customer e.g. a document

showing the ownership of real estate in Thailand such as a unit in a

condominium

>> Without a work permit, your can't open a bank account - some banks and branches do yes but legally NOT allowed.

As some posters mentioned - this is not true

I think I should have written "With a tourist visa you can't open a bank account", you either need a work permit OR a NON-Immigrant O visa (or something similar) - correct?

No not correct you can open on a tourist visa per below at Bangkok Bank:

• Foreigner with a Work Permit
  • Passport
  • Work Permit

• Foreigner with Long-stay or Tourist Visa
  • Passport and one of the following documents:

    2.1 An official document from another country, such as a document from the

    relevant agency giving evidence of the customers right to receive pension

    funds, OR a letter of reference from one of the following:

  • Embassy or international organization
  • Customers home bank to Bangkok Bank via the SWIFT messaging network
  • Person acceptable to Bangkok Bank e.g. branch officer, customer, government officer or company executive
  • Educational institution located in Thailand and acceptable to the bank
  • Company that is acceptable to the bank, confirming the customer is in the process of getting a work permit

2.2 Other documents that show the name of the customer e.g. a document

showing the ownership of real estate in Thailand such as a unit in a

condominium

I opened an account at Krung Thai, Dec 2013 on 30 day entry. Opened accounts at Kasikorn and Bangkok Bank July 2014, on a 60 day tourist visa. All 3 banks in Surin. None of the banks were concerned about passport stamps, just made photo copies of ID page, which I then signed.

[mydee]

To clarify, it is a debit card.

And it's not that I don't understand that their are rules that the banks adhere to - some people seem to think it's my fault for not understanding that. Okay, fair enough I should have read through the packet and synced it to my google calendar, etc, etc. I could have - but should one have to do this?

Finally, the thing is that it just brings back the same feeling of being pinched for small change that I once felt, and which has stuck with me, from the first time I flew Air Asia, and asked for a cup of water. No, they will not give you a free cup of water. Pregnant ladies giving birth aboard their planes are charged $1 for a sip of water. Since then, I have flown with them a few more times, admittedly, but only when their fare was BY FAR the cheapest. I will gladly pay a few hundred baht more to avoid flying with Air Asia. When it comes to banks, there are so many from which to choose, there's no reason to stick with Kasikorn. Sadly, I guess they are all similarly bad. Where is the Virgin Air of the banking world?

By the way, I forgot to mention - a few years ago, when I first deposited 1 million with Kasikorn, they gave me a complimentary umbrella. And it broke on the way home! If their bank vaults are anything like their umbrellas, I hope they have good insurance! (no, I'm not really upset about the umbrella, before some TVF member comes to defend Kbank and their umbrellas)

I had the same problem opening an account with Kasikorn when I first arrived told by a bimbo that I couldn't because I didn't have a job.Went to Bangkok bank where a competent mature person obliged. Wrote a complaint letter to kaisikorn who admitted their error -too late

[blackcab]

You couldn't close the account at that branch. You could have taken out the entire balance less 1 baht.

[zaZa9]

"And if you don't have a work permit and special visa, you won't be able to open another bank account in Thailand" (really? I thought that's strange that you can't close out an account from any branch)."

I read this as a 'special visa' being one that could include a Retirement Visa

I lost my 6th card in 7 years a month back

The girl at K-Bank issued me a new one without a word

Came time to pay and she asks for 800 baht

Im a bit miffed and said my last cost 400 last year

She says that it wasnt a 'K-SME Platinum Debit Card' and this one is

I say , "I keep about 1 million baht and never receive a baht interest in this account and only ever use it as a debit card or for ATM withdrawals and now you charge me 800 baht for the card - why do I need this type of card anyway?"

Her reply ; "We have run out of any other cards to give you"

When I get home I see the receipt

"SME Debit Card " - ANNUAL Fee , 800 baht ( !!! )

[theoldgit]

I keep about 1 million baht and never receive a baht interest in this account.

Why don't you receive any interest?

[peterb17]

Banks are not charities, and quite frankly there is much more to life than worrying about 400 baht- sorry

[SOTIRIOS]

...expiry date on the front...

[thailand49]

Now you know.. the fees varies from Thai bank to bank.. Now you also know that if you open one account at this location you can't close it at another location it goes even further if you have a problem with your account. I know people that had their accounts open like in Chang Mai and had a problem in Pattaya, guess what they had to make a trip to Chang Mai.

Now you know all these go ahead and venture to the original bank and close the account maybe even transfer it to your so call other account and if you decide to do that they will charge you a fee.

Everything is in the find print... you should think about translating that?

[Tony125]

Even though it is accepted practice in the the US that all credit and debit(ATM) cards expire and that date is clearly marked on the face of the card, it would appear my BKK ATM card never expires. I've had it for 7 years I believe.

However, it is customary for all banks that I know of to charge a nuisance fee for their ATM cards. The Green bank can be one of the worst at this. At one time they wanted 800 baht for an ATM card because it was linked with some promotion and it didn't matter if you wanted the promotion or not.

The response you got is absolutely typical in this country. They, for the most part, have no real sense of good customer service so they could care less that you were unaware of the expiration even if it is, in a sense, their fault, because they did virtually nothing to notify you of your card's expiration. In our countries you would almost certainly have gotten a letter in the mail informing you and this is what I mean by a lack of good customer service sense.

It is also customary in this country that there are MANY things you CANNOT do except at the branch you opened your account at, unlike in the west. They are, in many ways, still very antiquated and backwards in their practices aptly demonstrated by their pathological use of the Bankbook. If you want the convenience of banking in two different provinces then you are better off opening an account in each province to avoid nuisance fees for transfers and ATM usage, whereas, you would never have to do that in the US and I assume the EU or UK.

You say it is partially the banks fault for not informing him even thought h would have seen if he used his card at some point. You say typically Thailand. For your information I am from Boston MA USA and the Department of Motor Vehicles in order to save costs ( and generate revenue) no longer sends out notices that your drivers liscense is about to expire. Forget and get caught get ticket and have to pay fine and replacement costs for new one.

[MeHere]

Don't feel bad...

My BKK Bank accounts are here in Bangkok... they charged me THB37 to DEPOSIT THB20,000 CASH at the Pattaya branch. It's only THB37 and I couldn't yell at anyone there as they are just staff doing their jobs, but <deleted> is this world coming to?

[ableguy]

They don't give a damn about customer service , I closed my accounts here.

Took my usa tax refund in to add to my savings account in Hua Hin, it will take three weeks they said as you opened your account in Bkk, fine.

After five weeks no money showed up, went back, they said we no longer change these checks but deducted four hundred baht for the service, I asked for a refund they said sorry but the teller here.

Made a mistake, I said no way give me the fee back., needless to say they refused.

To add insult to injury they had stamped the check with kasikorn bank on the back of the check and because of this Bangkok bank would not take it ( I have several accounts there ) I had to mail the check back to the usa govt and have them issue me a new check., I closed my account with them had five hundred thousand just sat there for medical emergency, they never batted an eyelid.

Wrote to the head office they never bothered replying., enough said.

Sorry if this rant is a bit long.

[ableguy]

Even though it is accepted practice in the the US that all credit and debit(ATM) cards expire and that date is clearly marked on the face of the card, it would appear my BKK ATM card never expires. I've had it for 7 years I believe.

However, it is customary for all banks that I know of to charge a nuisance fee for their ATM cards. The Green bank can be one of the worst at this. At one time they wanted 800 baht for an ATM card because it was linked with some promotion and it didn't matter if you wanted the promotion or not.

The response you got is absolutely typical in this country. They, for the most part, have no real sense of good customer service so they could care less that you were unaware of the expiration even if it is, in a sense, their fault, because they did virtually nothing to notify you of your card's expiration. In our countries you would almost certainly have gotten a letter in the mail informing you and this is what I mean by a lack of good customer service sense.

It is also customary in this country that there are MANY things you CANNOT do except at the branch you opened your account at, unlike in the west. They are, in many ways, still very antiquated and backwards in their practices aptly demonstrated by their pathological use of the Bankbook. If you want the convenience of banking in two different provinces then you are better off opening an account in each province to avoid nuisance fees for transfers and ATM usage, whereas, you would never have to do that in the US and I assume the EU or UK.

You say it is partially the banks fault for not informing him even thought h would have seen if he used his card at some point. You say typically Thailand. For your information I am from Boston MA USA and the Department of Motor Vehicles in order to save costs ( and generate revenue) no longer sends out notices that your drivers liscense is about to expire. Forget and get caught get ticket and have to pay fine and replacement costs for new one.

The bank is not backward, open an account in Bankok, deposit money in another province they charge you, it's a money spinner.

[beerzy]

Ok, The 400 Bht fee I think some applies but the manager has the ability to waiver this fee if you went to the bank that your funds are in. now Bangkok bank charged me 150 bht apparently promotion for each visa card I have and I have 2. Oh I opened 3 accounts 2 with cards and yes I had no work permit but the consulate in West Perth advised me that on tourist visa never be able to open bank account. I found out later that this is true but all staff get commission on accounts they open...so I have 3.

Now next go back to the bank where you oped the account and if the person is there that opened it then tell them you go to different bank. I think afer awhile the 400Bht fee will vaporise.

[fred Kubasa]

My bank SCB, the 3rd largest in Thailand charged me 1,500 to transfer my funds from SCB in Phuket to SCB in Pattaya. Adding insult to injury they suggested I go back to Phuket( 13 HOURS ) and

withdraw the money in cash and then just have to buy, 300 B, a new ATM card. Banks in Thailand only avoid the mask and gun but rob you anyway !

[beerzy]

My bank SCB, the 3rd largest in Thailand charged me 1,500 to transfer my funds from SCB in Phuket to SCB in Pattaya. Adding insult to injury they suggested I go back to Phuket( 13 HOURS ) and

withdraw the money in cash and then just have to buy, 300 B, a new ATM card. Banks in Thailand only avoid the mask and gun but rob you anyway !

Hi Fred,

DEFINITELY not the case in Bangkok bank I transferred electonically ammounts from Packchong branch to bankok branch cost 15 Bht....suggest you see the manager and say you go to new bank.. then charges vapourise but lets face it...banks all over te world are ROBBERS and do not look after the customer as they dont need to....5555