TMBThanachart Bank (TTB)
จตุจักร กรุงเทพฯ (ING Group minority) · 600 สาขา (post-merger 2021)
Quick Answer
TTB (TMBThanachart) offers the 'All Free' package — zero fees on transfers, other-bank ATM, and annual debit card. Combined with TTB Global Debit (0% FX + 0 THB overseas ATM withdrawal), it's the best low-cost option for foreigners.
✓ Accepted visas
- Non-B + WP
- Non-O
- LTR
- SMART
- Elite
- DTV (บาง flagship branch)
✗ Refused visas
- Tourist
Fees & Products
| Primary product | TTB No Fixed Term Deposit + TTB All Free (ไม่มีค่าธรรมเนียมทุกประเภท) |
| Minimum initial deposit | 500 THB |
| Low-balance fee | 0 (All Free package) THB |
| Debit card | 0 (TTB All Free) / 599 (TTB Global Debit) THB |
| Overseas ATM | 0 (TTB Global Debit) / 220+1% (Standard) |
| Wire in | 0.25% (200–500) |
| Wire out | 500–1,000 |
| FCD currencies | USD, EUR, GBP, JPY, AUD, CHF, SGD, HKD |
| App | TTB Touch (TH/EN — 90% translated) |
Documents required
- Passport + visa
- Work Permit / long-stay ID
- Residence Certificate
- Thai phone
Address proof: Residence Certificate · Timeline: 1 วัน
Insider Tips
- TTB All Free = ฟรีทุกค่าธรรมเนียม (transfer, ATM ต่างธนาคาร, debit card) — best deal สำหรับต่างชาติ budget-conscious
- TTB Reserve (AUM > 3M THB) มี international desk อังกฤษ/จีน
- TTB Global Debit — ATM ต่างประเทศไม่มีค่าธรรมเนียมเลย (0% FX + 0 THB withdrawal)
Foreigner-friendly branches: Flagship One Bangkok · Flagship Central Embassy · Flagship Central World · สาขาสาทร
⚠️ Common rejection reasons
- สาขาเล็กปฏิเสธ visa ใหม่ — ควรไป flagship
FAQ
- Is TTB All Free really zero fees?
- Yes, but you must maintain an average balance > 5,000 THB/month. Falling below downgrades you to Standard with normal fees.
- Where can I use TTB Global Debit?
- Any ATM worldwide with Visa/Plus logo. Zero FX fee, zero withdrawal fee. Best debit card for digital nomads — requires a TTB salary or main account.
- How good is the TTB Touch app in English?
- 90% translated, second only to K PLUS. Supports Face ID and biometric login.
- What is TTB Reserve?
- Private banking tier for AUM > 3M THB. International desk in EN/CN/JP + 3 free wires/month + Priority Pass card.
Other banks
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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.