Thank you both for all your feedback. I think that confirms that KBank is not going to work for me, since there are clearly limitations with their online banking and currency exchange options connected to their foreign currency accounts. So I am not going to consider them any further. It sounds like BBL is really the only decent option. I will check whether the branch near me, where I have my Thai baht savings account, can also open a USD account. If not, I will look for another branch nearby. I normally do not use online banking through a computer or web browser, so as long as I can use the BBL mobile banking app which I already have installed on my phone, to handle exchanges and transfers between FCD and THB accounts, that is all I need. That would work fine for me. This is something I will probably do later in the year, because I only need to bring the money in before the end of the year to benefit from the annual tax free allowance in Thailand. Right now, the money is still earning interest overseas, but it will stop earning interest as soon as it comes into Thailand. So it makes more sense to leave it overseas as long as possible and bring it in closer to the end of the year, around October or November. Hopefully nothing else changes before then on the account opening requirements, but we will see how it all goes. As you all probably know, there had been discussion middle of last year about the government possibly changing the tax laws again and doing away with the recent taxation on money remitted into Thailand from overseas by residents living in Thailand. However, it does not look like there is any serious discussion of removing the law at this point, so I expect things will still be the same by the end of this year. If they do end up doing away with the tax law sometime this year, then I may not need this FCD account after all. But the way things are going now, it seems more likely than not that I will need the account, so I will plan on that with BBL.
