Krungsri (Bank of Ayudhya)
พระราม 3 กรุงเทพฯ (Mitsubishi UFJ Group) · 645 สาขา + Krungsri Exclusive lounges 40+ แห่ง — Japan-linked network ใหญ่ที่สุดในไทย
Quick Answer
Krungsri (owned by MUFG) accepts long-stay visa holders including DTV (since May 2026). Bring passport + Residence Certificate (<30 days) + Thai phone. Krungsri Exclusive lounges finish account opening in 30 minutes with zero monthly maintenance fees.
✓ Accepted visas
- Non-B + WP
- Non-O
- LTR
- SMART
- Elite
- DTV (Krungsri Simple accept, พฤษภาคม 2026 เริ่ม)
- Non-ED
✗ Refused visas
- Tourist visa
Fees & Products
| Primary product | Krungsri Mee Tae Dai (No-Fee Savings) + FCD 12 currencies |
| Minimum initial deposit | 500 (Mee Tae Dai) / 1,000 USD (FCD) THB |
| Low-balance fee | ไม่มี (No-Fee Savings) / 100 THB สำหรับ Krungsri Prime หากต่ำกว่า 30,000 THB |
| Debit card | 199/ปี (Krungsri Debit) / 999/ปี (Krungsri Exclusive) THB |
| Overseas ATM | 180 + 1% conversion (ต่ำสุดในหมวด) |
| Wire in | 0.20% (150–500 THB — ต่ำสุดในกลุ่ม Big 4) |
| Wire out | 400–1,200 THB |
| FCD currencies | USD, EUR, GBP, JPY, AUD, CHF, SGD, HKD, CNY, CAD, NZD, MXN |
| App | KMA Krungsri Mobile App (TH/EN/JP — best JP support ในไทย) |
Documents required
- Passport + visa
- Work Permit / LTR card / SMART / Elite ID
- Residence Certificate (Immigration or embassy) < 30 วัน
- Thai phone
- หลักฐานรายได้ต่างประเทศ 3 เดือน (สำหรับ DTV/LTR-WFTP)
Address proof: Residence Certificate < 30 วัน (ยอมรับจากสถานทูตญี่ปุ่นแบบไม่ต้องผ่าน ตม.) · Timeline: 1 วัน — Krungsri Exclusive lounge 30 นาทีเสร็จ
Insider Tips
- ญี่ปุ่นเจ้าของ (MUFG) → บริการภาษาญี่ปุ่นดีที่สุดในไทย + linked account กับ MUFG Tokyo/Osaka ทำได้ตรง
- Krungsri Exclusive lounge (AUM > 5M THB) มี dedicated relationship manager + private meeting room + coffee
- KMA app มี feature Yen-Baht direct transfer (ไม่ผ่าน USD) → ค่าธรรมเนียมต่ำสุด 1%
Foreigner-friendly branches: สำนักพระราม 3 (สำนักงานใหญ่ + Japan Desk) · Krungsri Exclusive Central World · Krungsri Exclusive Iconsiam · Krungsri Exclusive Central Ladprao · สาขาสุขุมวิท 33 · สาขาศรีราชา (Japanese community hub)
⚠️ Common rejection reasons
- Residence Cert หมดอายุ 30 วัน
- สาขาไม่มี dedicated foreigner desk (สาขาต่างจังหวัด)
FAQ
- Does Krungsri really accept DTV?
- Yes, new policy since May 2026. Show 6 months of overseas bank statements + Thai lease + Immigration Residence Certificate.
- What is a Japan Desk branch?
- Branches with native Japanese-speaking staff serving Japanese individuals and companies in Thailand — Rama 3 HQ, Sri Racha, Sukhumvit 33, and branches in industrial estates (Amata/Pluak Daeng/Laem Chabang).
- Can I wire JPY from MUFG Tokyo direct to Krungsri?
- Yes, bypassing SWIFT via MUFG's internal transfer system. Flat JPY 2,500 fee, same-day settlement.
- Minimum AUM for Krungsri Exclusive?
- 5 million THB (~USD 150,000). Includes dedicated RM, private lounge, 5 free wires/month, travel insurance.
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Updated 2026-07-22
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Official sources
The information on this page follows the official sources below. Always check the latest version before you file.
- กรมการกงสุล — บริการรับรองเอกสาร (นิติกรณ์)— กระทรวงการต่างประเทศ
- สำนักงานตรวจคนเข้าเมือง — วีซ่า รายงานตัว 90 วัน TM.30— Immigration Bureau
- กรมการปกครอง — ทะเบียนราษฎร ทะเบียนครอบครัว— Department of Provincial Administration
- สภาทนายความในพระบรมราชูปถัมภ์ — ทนายความผู้ทำคำรับรองลายมือชื่อและเอกสาร— Lawyers Council of Thailand
- สำนักงานคณะกรรมการกฤษฎีกา — ฐานข้อมูลกฎหมายไทย— Office of the Council of State
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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: THB 2 million of paid-up registered capital per foreign work permit, or THB 1 million if the foreigner is married to a Thai national, and THB 3 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.