Finding your Bangkok Bank account frozen in the middle of a transaction in Thailand is a stressful situation many foreigners are currently facing. Your card is declined, your app shows an error, and anxiety sets in. Faced with this widely discussed issue on social media, know that you’re not alone and solutions exist. This freeze is not an isolated error but the result of new, stricter banking regulations. This guide explains the exact reasons and, most importantly, how to fix it.
If you’ve recently received a message like this on your banking app, this article is for you:
The Context: A General Tightening of Banking Rules in Thailand
Since early 2025, Bangkok Bank, Thailand’s largest bank, has begun enforcing stricter rules for accounts held by foreigners. This decision is part of a broader national effort to strengthen cybersecurity and actively combat financial fraud, money laundering, and online scams that use local bank accounts. Other commercial banks are expected to follow suit, if they haven’t already.
The 4 Reasons Your Bangkok Bank Account Was Frozen
1. Crackdown on Fraud and “Mule Accounts”
The primary motivation for the banks is to prevent the use of “mule accounts”. These are accounts opened by individuals, often tourists, and then used by criminal networks to launder money or receive funds from scams. A major scandal in May 2025, where bank employees were arrested for opening accounts for scammers, has accelerated the enforcement of these measures.
2. Your Visa Type No Longer Meets the Criteria
This is the most common reason. Previously, it was possible to open an account with a simple tourist visa. Now, the rules have changed: Bangkok Bank stopped opening new accounts for tourists in January 2025. Worse, it is freezing existing accounts that are not linked to a long-term visa. Tourist visas, including the new 180-day Destination Thailand Visa (DTV), are no longer considered sufficient. To keep or open an account, you must now hold:
- A Non-Immigrant Visa (for work, study, etc.)
- A Retirement Visa
- Proof of marriage to a Thai citizen
- A property title in Thailand
| Visa Type | Account Authorized? | Notes |
|---|---|---|
| Tourist Visa | ❌ Frozen / Denied | Including DTV (180 days), not accepted since 2025 |
| Non-Immigrant Visa (Work/Study) | ✅ Yes | Account accessible if documents are up-to-date |
| Retirement Visa | ✅ Yes | Requires proof of regular income or minimum deposit |
| Marriage Visa | ✅ Yes | Proof of marriage required |
| Property Ownership in Thailand | ✅ Yes | Can justify a residential account |
3. Lack of Identity Verification (KYC – Know Your Customer)
Just like with the new Thai Digital Arrival Card, banks are applying “Know Your Customer” (KYC) procedures more rigorously, in line with international standards. If your personal information (passport, address, phone number) is not up-to-date, the bank may freeze your account as a precaution. You may be asked to visit a branch for a new identity verification, sometimes involving a biometric facial scan. Additionally, a new law requires bank accounts to be linked to a SIM card registered in the exact name of the account holder.
4. International Pressure and Sanctions
Although the new rules apply to all nationalities, some reports have highlighted a large number of Russian nationals being affected, potentially linked to international sanctions that complicate financial transactions. However, it is clear that the measure is global and affects any foreigner who does not meet the new visa criteria.
What to Do if Your Bangkok Bank Account is Frozen
- Don’t panic: A freeze does not necessarily mean permanent closure or loss of your funds.
- Contact your bank: Call or go directly to the branch where you opened your account. This is often a non-negotiable requirement.
- Prepare your documents: Bring your passport, your bank book, and proof of your current visa.
- Complete the verification: Be prepared to update your information and perform an in-person identity verification.
📌 What to Do if You’re Not in Thailand?
This is a common and problematic situation. Here are the possible scenarios:
- You have a representative in Thailand: No options, verification must be done in person.
- You are abroad and your account is frozen: Contact your branch by phone. Some may allow unblocking after you send documents certified by the embassy, but this is rare.
- If no solution is found: The bank will suggest closing the account and transferring the funds to another account in your name (often internationally, with fees).
In 80% of cases, a physical visit to the branch remains essential.
Comparison with Other Thai Banks
Bangkok Bank is not the only one enforcing these restrictions. Here is an overview of the policies at major banks:
| Bank | Accounts for Tourists | Conditions for Foreigners |
|---|---|---|
| Bangkok Bank | ❌ No (since 2025) | Long-term visa mandatory, strict KYC |
| Kasikorn Bank (KBank) | ❌ Increasingly difficult | Often requires a work permit or student visa |
| Siam Commercial Bank (SCB) | ❌ Almost never | Long-stay visa or professional relationship |
| Krungsri (Bank of Ayudhya) | ⚠️ Rarely accepted | Long-term visa required, retirees sometimes accepted |
| Krungthai Bank | ⚠️ Limited possibility | Strict document requirements, sometimes more flexible in the provinces |
How to Avoid Future Account Freezes
To ensure uninterrupted access to your funds, the best approach is to be proactive. Make sure your situation always complies with the bank’s requirements. This includes holding a valid long-term visa and updating all your personal information as needed, especially your phone number.
Alternatives to Traditional Thai Banks
Faced with tightening conditions, many expats and digital nomads are turning to other solutions:
- Wise (formerly TransferWise): A multi-currency account with an IBAN, allowing you to easily receive and send money to Thailand.
- Revolut: A convenient online banking solution for paying in baht and holding multiple currencies without hidden fees.
- PromptPay: Requires a Thai bank account but can be linked to a local SIM card registered in your name.
- Offshore Banks / International Accounts: Can help manage finances and transfer funds to Thailand even without a local account.
Conclusion
Having your Bangkok Bank account frozen is not a personal action against you but a consequence of Thailand’s efforts to secure its financial system. The main reason is almost always linked to a visa type deemed unsuitable (tourist or DTV) under the new anti-fraud regulations. The solution inevitably involves direct contact with your branch to prove that you meet the new conditions. For expats and long-term residents, it is now crucial to ensure their visa status is fully aligned with banking requirements to avoid any inconvenience.
Frequently Asked Questions (FAQ)
Why is Bangkok Bank freezing foreigners’ accounts?
Bangkok Bank is freezing accounts to comply with new Thai regulations aimed at combating financial fraud, money laundering, and the use of “mule accounts” by criminals.
Are only Bangkok Bank customers affected?
No. Although Bangkok Bank is the most cited due to its size, these enhanced security measures are being adopted by all commercial banks in Thailand under the direction of the government and the Bank of Thailand.
Is my tourist visa or DTV sufficient to keep my account?
No. Under the new rules in effect since 2025, tourist visas, including the Destination Thailand Visa (DTV), are no longer considered sufficient. A long-stay visa (work, retirement, marriage, etc.) is required.
What should I do if I’m not in Thailand and my account is frozen?
This is the most complex situation. Most of the time, an in-person visit to the original branch is required for verification. It is advisable to contact the bank by phone to explore possible alternatives, but there is no guarantee that a remote solution is possible.
Will I lose my money if my account is frozen?
A freeze is a temporary restrictive measure, not a permanent closure with seizure of funds. The money remains in the account. You must regularize your situation to access it again. If you cannot meet the new requirements, the bank will inform you of the procedure to close the account and retrieve your balance.
