Krungthai Bank
สุขุมวิท กรุงเทพฯ (ธนาคารรัฐวิสาหกิจ) · 1,000+ สาขา — ใหญ่ที่สุดในระบบราชการ
Quick Answer
Krungthai (state-owned) is best for foreigners working at government agencies, state universities, embassies, and LTR/Elite holders who want fast Revenue Department tax refunds (2 days). Private-sector expats should use Bangkok Bank or Krungsri instead.
✓ Accepted visas
- Non-B + WP (รัฐ/รัฐวิสาหกิจ)
- Non-O
- LTR
- Government employee visas
✗ Refused visas
- Tourist
- DTV
- SMART (บางสาขา)
Fees & Products
| Primary product | Krungthai NEXT Savings + FCD (จำกัด 6 สกุล) |
| Minimum initial deposit | 500 THB |
| Low-balance fee | 50/เดือน หากต่ำกว่า 1,000 THB |
| Debit card | 200/ปี THB |
| Overseas ATM | 220 + 1% |
| Wire in | 0.25% (200–500) |
| Wire out | 500–1,500 |
| FCD currencies | USD, EUR, GBP, JPY, AUD, CNY |
| App | Krungthai NEXT (TH/EN — EN แปลไม่ครบ, 60%) |
Documents required
- Passport + visa
- Work Permit (รัฐบาล/รัฐวิสาหกิจ) หรือ LTR card
- Residence Certificate
- สลิปเงินเดือนจากหน่วยงานรัฐ (ถ้าเป็น Non-B รัฐ)
Address proof: Residence Certificate + สลิปเงินเดือน (Non-B) หรือ LTR/Elite ID · Timeline: 2–5 วัน — Krungtai HQ ต้องส่ง approval
Insider Tips
- Krungthai เหมาะที่สุดถ้าคุณทำงานให้รัฐ/มหาวิทยาลัยรัฐ/สถานทูต — เข้ารหัสจ่ายเงินเดือนราชการอัตโนมัติ
- GHB (บ้านออมสิน) ผ่าน Krungthai app — ต่างชาติที่ต้องการซื้อคอนโดสามารถขอสินเชื่อได้ (LTR/Elite เท่านั้น)
- รับ tax refund กรมสรรพากรได้เร็วสุดผ่านบัญชี KTB (2 วันหลัง e-filing)
Foreigner-friendly branches: สาขาสำนักงานใหญ่ สุขุมวิท · สาขา Central World · สาขา CU Chula (สำหรับ ED) · สาขาสถานทูตอเมริกัน วิทยุ
⚠️ Common rejection reasons
- ต่างชาติ private sector มัก reject
- Manager สาขาไม่คุ้นเคยกับ LTR
FAQ
- Does KTB open accounts for private sector expats?
- Yes but requires HQ approval and rejects ~50%. Use Bangkok Bank or Krungsri for smoother onboarding.
- Fast tax refunds via KTB?
- Yes — the Revenue Department has a direct channel with state-owned KTB. Refunds arrive 1–2 days after e-filing (5–7 days at private banks).
- GHB home loans for foreigners?
- LTR (Wealthy Global Citizen/Pensioner) and Elite Reserve/Diamond can apply via KTB. LTV 50–70%, MRR-1% ≈ 5.4%.
- Is the Krungthai NEXT app good in English?
- Only 60% translated. Main menus work but pop-ups and SMS remain in Thai. Get a Thai friend to set it up initially.
Other banks
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Our fee ฿6,500–11,500 · 3–7 วันทำการ
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.