Kasikornbank
ราษฎร์บูรณะ กรุงเทพฯ · 870+ สาขา + ATM 10,900+ เครื่อง (2nd largest)
Quick Answer
KBank accepts Non-B/Non-O/LTR/SMART/Elite Visa holders only (no DTV, no tourists as of Jul 2026). Bring passport + Residence Certificate (<30 days) + Thai phone + Work Permit for Non-B. EmSphere and ICONSIAM branches have multilingual RMs; account opens same day.
✓ Accepted visas
- Non-B + Work Permit
- Non-O Retirement/Marriage
- LTR Visa (all 4 pillars)
- SMART Visa
- Elite/Thailand Privilege
- Non-ED (universities partner list)
✗ Refused visas
- Tourist / Visa Exempt
- DTV (นโยบายภายในยังปฏิเสธ ณ ก.ค. 2026)
Fees & Products
| Primary product | K-eSavings + K-Plus mobile app + FCD Multi-Currency |
| Minimum initial deposit | 500 (K-eSavings) / 500 USD (FCD) THB |
| Low-balance fee | 50/เดือน หากต่ำกว่า 500 THB |
| Debit card | 300/ปี (K-Debit Card) / 599/ปี (K-Max) THB |
| Overseas ATM | 220 + 1% conversion |
| Wire in | คิดเป็น % ของยอดโอน มีขั้นต่ำ/สูงสุด — ตรวจสอบอัตราปัจจุบันกับธนาคาร |
| Wire out | มีค่าธรรมเนียมฝั่งส่ง + SWIFT + ธนาคารตัวกลาง — ตรวจสอบอัตราปัจจุบันกับธนาคาร |
| FCD currencies | USD, EUR, GBP, JPY, AUD, CHF, SGD, HKD, CNY, CAD |
| App | K PLUS (7 ภาษา: TH/EN/CN/JP/KR/RU/MM) — top-rated banking app ในไทย |
Documents required
- Passport + Visa valid > 3 months
- Work Permit (Non-B) / เอกสารสัญญาจ้าง (LTR)
- Residence Certificate จาก ตม. หรือ Certificate จากสถานทูต (< 30 วัน)
- Thai mobile number
- ใบขับขี่ไทย หรือ Pink ID (ถ้ามี — ช่วยเปิดเร็ว)
Address proof: Residence Certificate หรือ TM.30 (< 30 วัน) — สาขาไหนเข้มบางที่ต้องมีสัญญาเช่าเพิ่ม · Timeline: 1 วัน — ATM card + K-Plus activation ภายในชั่วโมง
Insider Tips
- K PLUS app โหลดได้จาก App Store/Play Store ต่างประเทศ — activate ได้เต็มรูปแบบไม่ต้องเปลี่ยน region
- สาขา EmSphere/ICONSIAM/เซ็นทรัลเวิลด์ มี relationship manager พูดอังกฤษ/จีน/ญี่ปุ่น
- ขอสมัคร K-Credit Card พร้อมกัน (LTR/Elite holders รับรองผ่านง่าย limit 200k–2M THB)
Foreigner-friendly branches: EmSphere G · ICONSIAM 4F · เซ็นทรัลเวิลด์ 4F · สำนักพหลโยธิน · สาขาเชียงใหม่ Central Festival · ภูเก็ต Central Floresta · พัทยา Central Marina
⚠️ Common rejection reasons
- DTV holders (KBank ยังไม่รับ)
- TM.30 หมดอายุ 30 วัน
- ไม่มีสัญญาจ้างงานที่ระบุที่อยู่ตรงกัน (สำหรับ Non-B)
FAQ
- Does KBank accept DTV holders?
- Not as of July 2026. Internal policy still classifies DTV as short-term visitor. Use Bangkok Bank or Krungsri instead.
- Can I use the K PLUS app outside Thailand?
- Yes — all functions work except Thai mobile top-up. If you switch to a foreign SIM you must re-verify at a Thai branch when you return.
- SWIFT wire from the US — what fees?
- KBank charges a percentage of the amount (with min/max) and the correspondent (usually Standard Chartered NY) deducts its own fee. Instruct the sender to select 'OUR' to cover all fees.
- Does KBank issue FET certificates?
- Yes, for inbound wires > USD 50,000. Required for condo purchase or Thai LLC investment. Request at your home branch — timing set by the bank, fee per the bank's current rate.
- How old can my Residence Certificate be for KBank?
- No more than 30 days from issue. KBank rejects older certificates and some branches ask for a lease or TM.30 as backup. Book your branch visit close to the certificate issue date.
- Do I need a Thai phone number to open a KBank account?
- Yes — K PLUS and OTPs are tied to a Thai number. Buy and register a Thai SIM with your passport before visiting the branch. Recommended order: Thai SIM → Residence Certificate → same-day branch visit.
- What if KBank refuses to open my account?
- Ask the officer for the specific reason — usually the visa type or an expired Residence Certificate. If documents are complete, try a branch experienced with foreigners (EmSphere, ICONSIAM) or another bank that accepts your visa type. We can pre-check your documents and recommend the right branch.
- Can I use my KBank account as financial proof for visa extension?
- Yes. The branch issues a bank letter plus statements for Immigration's Non-O Retirement or Marriage requirements. Request it in advance and pay the bank's current fee. The balance must stay above the required threshold for the full seasoning period.
- How much money do I need to open a KBank account, and what happens if the balance drops?
- K-eSavings opens with a minimum deposit of 500 THB; the FCD account needs USD 500 or its equivalent. If the balance stays below 500 THB the bank deducts a 50 THB monthly maintenance charge. We suggest keeping at least 2,000 THB after opening, and checking the bank's current fee notice before you go, because bank charges can change at any time.
- Can a foreigner open a KBank account without a Work Permit?
- Yes. Non-O Retirement/Marriage, LTR, SMART and Elite holders are not asked for a Work Permit, but you still need a Residence Certificate from Immigration — or a letter from your embassy — issued within the last 30 days, plus a lease agreement or TM.30 as backup. Some branches ask for more paperwork, so send your documents ahead and we can flag gaps before you book the visit. DTV holders are still not accepted as of July 2026.
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Our fee Quoted after document review · ขึ้นกับธนาคารและความครบของเอกสาร — แจ้งหลังตรวจเอกสาร
Updated 2026-10-12
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Frequently asked questions
- Can a foreigner own 100% of a Thai company?
- Generally no for activities listed in the Foreign Business Act, where majority foreign ownership requires a Foreign Business Licence, a BOI promotion, or treaty rights such as the US–Thailand Treaty of Amity. Manufacturing and certain export activities are largely open, and BOI-promoted activities can permit full foreign ownership together with land-holding and visa privileges, so the right structure depends on the specific activity.
- What is the minimum registered capital for a Thai company?
- There is no general statutory minimum for a Thai-majority company, but practical thresholds apply: a fee quoted after review million of paid-up registered capital per foreign work permit, or a fee quoted after review million if the foreigner is married to a Thai national, and a fee quoted after review million per foreign shareholder for a Foreign Business Licence. Capital should therefore be planned around the visa and work-permit outcome you need, not the incorporation minimum.
- How long does company registration take?
- Registration at the Department of Business Development can be completed within one to three working days once the name reservation, shareholder documents and company objectives are ready, and the VAT registration and social security registration follow afterwards. The realistic end-to-end timeline including bank account opening is two to six weeks, with the bank account usually being the slowest step for foreign directors.
- What ongoing accounting obligations does a Thai company have?
- Every Thai company must keep statutory accounts, file monthly withholding tax (PND 1, 3, 53) and VAT (PP 30) returns by the middle of the following month, file the half-year corporate income tax return (PND 51) and the annual return (PND 50), and have its financial statements audited by a Thai CPA and filed with the DBD each year. Dormant companies are not exempt — nil returns and an audited statement are still required.