Thai bank refused to open an account
The branch said no because of your visa, missing documents or a hold on another of your accounts. Often nobody explains the real reason, and rules differ from bank to bank and even from branch to branch. We find out what is blocking you, choose where your case is realistic and go to the bank with you.
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With a client at Krungthai after opening his new account
- Who decides
- The bank, often the branch manager
- Time in our recent cases
- Same day in simple cases; longer if the bank asks for more documents
- Price
- From 15,900 THB
42,900 THB after a previous refusal - Best first step
- Ask the branch for the exact reason for the refusal
Why a Thai bank refuses to open an account
The reason decides what to do next. Sometimes it can be fixed in one visit, sometimes it can’t.
Your visa
On a visa exemption stamp or a tourist visa, many banks and branches say no. Some open accounts only for long-stay visas or with a work permit.
Missing documents
No proof of address, no Thai phone number in your name, or no letter from your employer or school.
A hold on another account
If another of your accounts is frozen by the police, other banks often refuse until the hold is lifted.
Police or cyber police freeze →The branch’s own rules
Two branches of the same bank can give different answers. The branch manager decides a lot.
School or employer not accepted
Some banks don’t accept documents from certain schools or companies.
Unclear purpose
The bank wants to understand why you need the account and where the money will come from.
How we help you open an account
Find the real reason
We ask the bank in Thai what exactly stopped the account opening.
Check for holds
If you had problems with another account, we check with the cyber police that no police case is still blocking you.
Choose the bank and branch
We tell you which bank and branch are realistic with your visa and documents, and what to prepare.
Go with you
We go to the branch with you, speak Thai at the counter and, if the bank approves, stay until the account and the app are set up.
Similar cases
Real cases, anonymized. Every case is different, and past results are examples, not a promise.
KBank → Krungsri · Student visa
New Krungsri account on a student visa
The client’s old account still worked, but card withdrawals were capped. With his visa and school, only one more bank was realistic. His school’s documents were not accepted at first, so he moved to a school that banks accept, and we opened the new account with him.
- Outcome
- New account opened
- Timeline
- Several bank visits
- Action
- Bank choice, documents, interpreting
- Client
- Russian-speaking student
Cyber police · Bangkok
Unblocked and a new account the same day
We went with the client to the cyber police and got the unfreeze papers. The same day we took them to the bank, which accepted them. The client also wanted a second account, so we helped him collect the documents and open it at Krungthai.
- Outcome
- Account unblocked
- Timeline
- 1 day of our work
- Action
- Cyber police, two banks
- Client
- Russian-speaking client
Bangkok Bank
Police hold 500+ km away
The client had left Thailand, and other banks refused to open an account for him because of this hold. We flew to Udon Thani, met the officer and found the disputed transfer. The release letter was issued the same day, and we took it on to the cyber police in Bangkok.
- Outcome
- Account unblocked
- Timeline
- 2 days on site
- Action
- Trip to Udon Thani police
- Client
- Russian-speaking client
Documents banks usually ask for
- Passport with a valid visa
- Work permit, or a letter from your school or employer
- Proof of address: rental contract, house registration or a condo title deed
- A Thai phone number in your name
- Sometimes a reference letter from your embassy
- Money for the first deposit
Every bank and branch has its own list. We check it before you go, so you don’t make the trip for nothing.
What we can’t promise
- The bank makes the final decision. Nobody can honestly guarantee it.
- Without a long-term visa, many banks will say no. We say this before you pay.
- We don’t open accounts through shortcuts or with someone else’s documents.
- An account opened on a short visa can be restricted later, at the next KYC review.
- We don’t arrange visas through shortcuts. For visas, see UnblockPro.Asia ↗
Price
All prices include 7% VAT. These are the same account opening packages as on UnblockPro.Asia: Basic, Standard and Complex. Bank fees and official costs are separate. If another account is frozen, we start with that case. Only need an interpreter at the bank? Half a day costs 6,490 THB. · 约 ¥3,500 / ¥5,900 / ¥9,400
Request an account-opening quote →Questions about account opening
Why did the bank refuse to open my account?
Can I open an account on a tourist visa or a visa exemption stamp?
Another bank froze my account. Will a new bank open one?
Will another branch give a different answer?
Do I need to come to the bank?
How long does it take?
Is this legal?
See all six situations we help with: Services
Get help now
Free case check. We usually reply the same business day, Mon–Fri, 09:00–19:00 (Bangkok time).