United Overseas Bank (Thailand)

สาทร กรุงเทพฯ (Singaporean parent) · 150 สาขา (post Citibank consumer merger 2024)
Quick Answer
UOB Thailand (Singaporean parent) offers Privilege Banking (AUM > 5M THB) with direct links to UOB Singapore, Malaysia, Indonesia and Vietnam. Multi-Currency Account covers 10 currencies. The TMRW app is fully English with AI insights. DTV holders accepted at Privilege tier.
✓ Accepted visas
- Non-B + WP
- Non-O
- LTR
- SMART
- Elite
- DTV (Privilege Banking)
- Non-ED
✗ Refused visas
- Tourist
Fees & Products
| Primary product | UOB Stash Savings 1.6% + UOB Privilege Banking Multi-Currency Account (10 currencies) |
| Minimum initial deposit | 500 (Stash) / 5M THB (Privilege — AUM req) THB |
| Low-balance fee | 50 หากต่ำกว่า 2,000 THB |
| Debit card | 400/ปี (UOB Prestige — dining/travel perks) THB |
| Overseas ATM | 220 + 1% |
| Wire in | 0.25% (200–500) |
| Wire out | 500–1,200 (free 3/month for Privilege) |
| FCD currencies | USD, EUR, GBP, JPY, AUD, SGD, HKD, CNY, NZD, CAD |
| App | UOB TMRW (TH/EN/CN — full English) |
Documents required
- Passport + visa
- Work Permit / LTR/SMART/Elite ID
- Residence Cert
- Income proof
Address proof: Residence Cert + lease/utility · Timeline: 1 วัน (Privilege lounge) / 2–3 วัน (regular)
Insider Tips
- UOB Privilege Banking (AUM > 5M THB) — เชื่อมกับ UOB Singapore, Malaysia, Indonesia, Vietnam โดยตรง + Priority Pass unlimited
- TMRW app มี AI insights ให้คำแนะนำการเงินภาษาอังกฤษ
- UOB accept ex-Citibank customers พร้อม migration bonus (relationship > 5 ปีที่ Citi = auto-Privilege)
Foreigner-friendly branches: UOB Plaza สาทร (HQ) · Central Embassy · One Bangkok Privilege Lounge · EmSphere
⚠️ Common rejection reasons
- Regular tier ต้อง income statement ยืนยัน
FAQ
- How is UOB Privilege Banking different?
- AUM 5M THB unlocks unlimited Priority Pass (family), 3 free SWIFT wires/month, dedicated English-speaking RM, and video-KYC to open a UOB Singapore account directly.
- What does the TMRW app do?
- Spending insights, savings goals, AI budget suggestions — all in English + auto-categorization + Apple Pay/Google Pay support in Thailand.
- Ex-Citibank migration to UOB?
- Automatic since the 2024 acquisition. Citi relationship > 5 years auto-qualifies for Privilege tier; Citi credit cards became UOB Preferred.
- Does UOB accept DTV holders?
- Only at Privilege tier (AUM > 5M). Regular tier does not accept DTV — use Krungsri or CIMB if below the Privilege threshold.
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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.






