Mosha
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Post by Mosha on Nov 29, 2016 13:56:30 GMT 7
About 18 months ago immigration told me the money must be paid into an account bearing my name only. So off to the bank, and Mrs Misha explains what is required. So after a lot of waiting we exit the bank with a book just in my name. Fast forward to today. We ask for a 12 month statement and over 480,000 has gone in, great the my Mrs sees her name. My stomach sinks. So we ask them to remove her name from the account, BT the say we can't. I must open a new account. Then close the old one. Does anyone know if they are correct? I'm banking with the Kasikorn.
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Post by Soutpeel on Nov 29, 2016 14:43:32 GMT 7
About 18 months ago immigration told me the money must be paid into an account bearing my name only. So off to the bank, and Mrs Misha explains what is required. So after a lot of waiting we exit the bank with a book just in my name. Fast forward to today. We ask for a 12 month statement and over 480,000 has gone in, great the my Mrs sees her name. My stomach sinks. So we ask them to remove her name from the account, BT the say we can't. I must open a new account. Then close the old one. Does anyone know if they are correct? I'm banking with the Kasikorn. Your getting jerked around, get the manager.....they can and will take the name off an account provided both parties, ie you and your Mrs agree and request it, it begs the question how did they get your Mrs details anyway to put her on the account in the first place, it would take an id and signature |
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Mosha
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Post by Mosha on Nov 29, 2016 15:14:02 GMT 7
I opened it as a joint account. I think the manager was the one giving the staff member the advice. I'll cal the HQ tomorrow when Sopha has finished tapping.
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Post by Soutpeel on Nov 29, 2016 15:57:01 GMT 7
I opened it as a joint account. I think the manager was the one giving the staff member the advice. I'll cal the HQ tomorrow when Sopha has finished tapping. Ok but at th end of the day, if your Mrs asks to be taken off account, and your the sole signatory, the can do this |
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Post by Fletchsmile on Nov 29, 2016 21:57:59 GMT 7
Best to try with the branch manager. If anyone can change the name within the branch they can. Or at least a senior staff manager who has been around a while and knows what they are doing.
I know with TMB my wife has had issues with the name on a consolidated statement being different to the name on individual accounts/ bank books. This was a system related issue.
The consolidated statement shows all individual accounts together in one place. It can show only one name and often uses the first ever bank account name and address by default. So on the consolidated statement the name was the first account she ever opened many years ago with her maiden name and address before we got married. The individual bank accounts and books for all the other accounts show the correct new name for all the other accounts. It's just on the consolidated statement they differ.
We asked a branch manager of one of the accounts to correct the information. The branch manager could do it. Even for accounts held at different branches. Can't remember whether she had to sign some forms or not - probably.
So it could well be that just the name on the statement is wrong. Perhaps due to a set up error or system limitation or wrong link for some reason.
What you could do in that case is just get the name on the statement corrected.
What's puzzling though is it was originally set up and they gave you a book in single name. Can't you just update the passbook? Then get them to photocopy all the pages and stamp them and sign them by a bank official. That way no statement needed. If your book is full they should just issue a new one in the same name as before. This is usually what I give immigration anyway - a photocopy of all relevant pages in the bank book, stamped and signed by the bank. The only time you have a problem doing this is when you haven't used the book for many months or past a certain number of transactions, and it puts all the individual debits and credits into one single "adjusted entry" as there are too many to list. Immigration don't like that In that case you then need to get the bank to do a statement.
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Deleted
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Post by Deleted on Nov 30, 2016 0:36:27 GMT 7
^^ I have three accounts, two banks. I have three books in my name, even though I have a Thai signatory.
When I opened my third account, the branch manager asked me if the signator was coming in to countersign.
He told me that if I moved over to a retirement visa I wouldn't need the signator.
I think Mosha is caught between these two areas - his signatory ( wife ) is overarching his dealings with the bank. He'd be better off starting from scratch and subbing paperwork based upon his retirement visa. ( I'm assuming Mosha is retired? ).
YMMV, clear as mud, depends on the mood of the bank manager blah blah -
But I would go to the effort of starting from scratch, maybe even with a different bank so that there's zero chance of confusion.
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Deleted
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Post by Deleted on Nov 30, 2016 0:37:24 GMT 7
ps - I didn't go for the retirement visa cos fork that, who'd want to retire to Thailand ffs. Just sayin'  |
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me
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Post by me on Nov 30, 2016 6:40:25 GMT 7
You have a problem Mosha. For a marriage visa the bank account is not needed to show the money going in. If you decide to use the money in the bank method you must have the 480000 baht in a standard account in your name only for a period of 3 months before the visa renewal.It must not drop less than the 480000 baht by even one baht during that 3 months.
If you are relying on income that is done by a letter from your Embassy. I do not know what nationality you are butI think from the UK. If so you ask the embassy for the letter (for which there is a charge) and tell them your income. You must provide the Embassy...not immigration with proof of some kind that you have that income in the year. The bankbooks will probably do for that though no money actually needs to be bought into Thailand at all.
PM me if you need more details.
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me
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Post by me on Nov 30, 2016 6:44:45 GMT 7
^^ I have three accounts, two banks. I have three books in my name, even though I have a Thai signatory. When I opened my third account, the branch manager asked me if the signator was coming in to countersign. He told me that if I moved over to a retirement visa I wouldn't need the signator. I think Mosha is caught between these two areas - his signatory ( wife ) is overarching his dealings with the bank. He'd be better off starting from scratch and subbing paperwork based upon his retirement visa. ( I'm assuming Mosha is retired? ). YMMV, clear as mud, depends on the mood of the bank manager blah blah - But I would go to the effort of starting from scratch, maybe even with a different bank so that there's zero chance of confusion. I do not understand why you need a thai signatory. You can have a bank account in your own name exclusively retirement visa or not. If you are needing it for immigration it must be in your name with NO signatory allowed. |
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Post by Fletchsmile on Nov 30, 2016 7:38:16 GMT 7
You have a problem Mosha. For a marriage visa the bank account is not needed to show the money going in. If you decide to use the money in the bank method you must have the 480000 baht in a standard account in your name only for a period of 3 months before the visa renewal.It must not drop less than the 480000 baht by even one baht during that 3 months. If you are relying on income that is done by a letter from your Embassy. I do not know what nationality you are butI think from the UK. If so you ask the embassy for the letter (for which there is a charge) and tell them your income. You must provide the Embassy...not immigration with proof of some kind that you have that income in the year. The bankbooks will probably do for that though no money actually needs to be bought into Thailand at all. PM me if you need more details. For marriage visa it is only THB 400,000 in a bank account or THB 40,000 per month income. For retirement visa it is THB 800,000 in a bank account or THB 65,000 per month income www.immigration.go.th/nov2004/doc/temporarystay/policy777-2551_en.pdfIt's possible the amounts might be lower if they have been doing for a long time dating back to when the amounts used to be lower thresholds, and their arrangement is grandfathered using the old rules. But the amounts above are the current amounts. |
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me
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Post by me on Nov 30, 2016 8:04:32 GMT 7
Thanks Fletch. I do not do the marriage route so not sure of the ammounts.
With Retirement it can be a combination of the two but with the marriage it is one or the other. First time money must be in bank 2 months if using bank subsequent extensions it is 3 months.
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Post by Deleted on Nov 30, 2016 10:52:34 GMT 7
^^ I have three accounts, two banks. I have three books in my name, even though I have a Thai signatory. When I opened my third account, the branch manager asked me if the signator was coming in to countersign. He told me that if I moved over to a retirement visa I wouldn't need the signator. I think Mosha is caught between these two areas - his signatory ( wife ) is overarching his dealings with the bank. He'd be better off starting from scratch and subbing paperwork based upon his retirement visa. ( I'm assuming Mosha is retired? ). YMMV, clear as mud, depends on the mood of the bank manager blah blah - But I would go to the effort of starting from scratch, maybe even with a different bank so that there's zero chance of confusion. I do not understand why you need a thai signatory. You can have a bank account in your own name exclusively retirement visa or not. If you are needing it for immigration it must be in your name with NO signatory allowed. I was informed by two banks that I needed a Thai to countersign as I was on a tourist visa ( not visa exempt ). The books are in my name. |
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me
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Post by me on Nov 30, 2016 11:08:40 GMT 7
I do not understand why you need a thai signatory. You can have a bank account in your own name exclusively retirement visa or not. If you are needing it for immigration it must be in your name with NO signatory allowed. I was informed by two banks that I needed a Thai to countersign as I was on a tourist visa ( not visa exempt ). The books are in my name. Not needed. check again there may be a restriction on electronic banking. You do need a letter of introduction either from your home bank or a known thai but no countersign/ . Foreigner with Long-stay or Tourist Visa Passport and one of the following documents: this is from the Bangkok Bank. I suggest going to the one in Kad Suan Kau as they deal with this all the time. Your bank in the UK can send an introduction letter by swift. I know the ANZ in Australia will do this. 2.1 A letter of reference from one of the following: Embassy or international organization |
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Post by Deleted on Nov 30, 2016 11:10:46 GMT 7
I was informed by two banks that I needed a Thai to countersign as I was on a tourist visa ( not visa exempt ). The books are in my name. Not needed. check again there may be a restriction on electronic banking. You do need a letter of introduction either from your home bank or a known thai but no countersign/ Can I clarify - I needed the Thai to sign so that I could open the account(s). I don't need their signature to conduct any banking. |
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me
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Post by me on Nov 30, 2016 11:24:42 GMT 7
Not needed. check again there may be a restriction on electronic banking. You do need a letter of introduction either from your home bank or a known thai but no countersign/ Can I clarify - I needed the Thai to sign so that I could open the account(s). I don't need their signature to conduct any banking. That is correct. |
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