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On the bank account thing - I own a house in Samui where I live for 3 to 4 months per year. I usually travel on a tourist visa and last year both me and my aussie girlfreind opened separate accounts at Bangkok Bank in Samui by just turning up with our passports and some money (200 baht each) to open the account with. Got the passbook and international ATM card there and then, been using both without any problems since.

Bank accounts are important for more than just visa regulations, whenever you have work done in Thailand (e.g. work on the house) then the Thais usually expect you to pay by transferring money from your bank account to theirs - credit cards are not really well accepted and it's difficult to have large amounts of cash on you.

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