Siam Commercial Bank
รัชโยธิน กรุงเทพฯ · 980+ สาขา + SCB Easy app 15M+ users
Quick Answer
SCB opens accounts for long-stay visa holders at its Wealth Centers (Siam Paragon, EmQuartier, One Bangkok) in one day. Ask for the SCB PLANET debit card — zero foreign exchange fee worldwide plus USD 8M travel insurance. Requires Residence Certificate + lease agreement as paired address proof.
✓ Accepted visas
- Non-B + WP
- Non-O
- LTR
- SMART
- Elite
- DTV (บาง Wealth Center)
✗ Refused visas
- Tourist visa
Fees & Products
| Primary product | SCB Easy Savings + Foreign Currency Account (FCA) |
| Minimum initial deposit | 500 (Easy Savings) / 5,000 USD (FCA) THB |
| Low-balance fee | 50/เดือน หากต่ำกว่า 500 THB |
| Debit card | 300/ปี (SCB Debit) / 899/ปี (SCB PLANET — dedicated to travelers) THB |
| Overseas ATM | 220 + 2.5% conversion (ปกติ) / 0% ถ้าใช้ SCB PLANET card |
| Wire in | คิดเป็น % ของยอดโอน มีขั้นต่ำ/สูงสุด — ตรวจสอบอัตราปัจจุบันกับธนาคาร |
| Wire out | มีค่าธรรมเนียมฝั่งส่ง + SWIFT + ธนาคารตัวกลาง — ตรวจสอบอัตราปัจจุบันกับธนาคาร |
| FCD currencies | USD, EUR, GBP, JPY, AUD, CHF, SGD, HKD, NZD, CAD, CNY |
| App | SCB EASY (TH/EN/CN/JP) — biometric login |
Documents required
- Passport + visa
- Work Permit หรือ LTR/SMART/Elite card
- Residence Certificate + สัญญาเช่า/โฉนด
- เบอร์โทรไทย
- หลักฐานรายได้ (เอกสารเงินเดือน / statement ต่างประเทศ 3 เดือน)
Address proof: Residence Certificate + สัญญาเช่า/โฉนด (หลักฐานคู่) · Timeline: 1 วัน (Wealth Center) / 2–3 วัน (สาขาปกติ — ต้องผ่าน approval)
Insider Tips
- ขอบัตร SCB PLANET Debit — ไม่มี foreign exchange fee ทั่วโลก + ประกันเดินทาง 8M USD (best card ในไทยสำหรับ traveler)
- SCB Wealth Center at Siam Paragon / EmQuartier / One Bangkok มี dedicated foreign specialist + private lounge
- ขอเปิด SCB Julius Baer หากมีสินทรัพย์ > USD 500k — private banking พูดอังกฤษได้ทั้งทีม
Foreigner-friendly branches: Wealth Center Siam Paragon · Wealth Center EmQuartier 5F · Wealth Center One Bangkok · สำนักงานใหญ่ SCB Park · สาขาสุขุมวิท 21 (Asoke MRT)
⚠️ Common rejection reasons
- ไม่มีสัญญาเช่าเพิ่มเติมนอกเหนือจาก Residence Cert
- สาขาปกติปฏิเสธ visa ใหม่ๆ (DTV/LTR) → ต้องไป Wealth Center
- รายได้จากต่างประเทศไม่ชัดเจน
FAQ
- Why is SCB PLANET the best debit card?
- Zero FX fee on 100+ currencies + USD 8M travel insurance + lounge access at 1,300 airports. Best travel debit card for expats. Annual fee per the bank's current rate.
- Does SCB EASY work overseas?
- Yes with biometric login. Frequent SIM changes trigger a security lock — keep a Thai SIM active (AIS/True/DTAC roaming plan).
- Minimum for Wealth Center accounts?
- A small minimum for standard Easy Savings. SCB Julius Baer private banking requires a substantial AUM — confirm the current threshold with the bank.
- Does SCB accept DTV holders?
- Only at Wealth Centers, not regular branches. You must show 6 months of overseas income + a Thai lease agreement.
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Our fee Quoted after document review · ขึ้นกับธนาคารและความครบของเอกสาร — แจ้งหลังตรวจเอกสาร
Updated 2026-07-22
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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.