u/GaryAbroad

I’ve lived abroad for over 25 years and currently reside in northern Thailand.
Personally, I’ve only had one issue with Thai banking. About a year ago Bangkok Bank contacted me requesting updated documentation. I visited the branch with supporting paperwork, they collected everything, and advised me that if I didn’t hear back then everything was fine. Thankfully, I never heard anything further and my account has continued functioning normally.
At the same time, I constantly see stories online from expats describing banking difficulties, compliance reviews, account concerns, and growing uncertainty about maintaining banking relationships overseas.
My impression is that much of this may stem from increasing international compliance requirements rather than banks specifically targeting foreigners. Still, there definitely seems to be growing anxiety among long-term expats, especially retirees.
One thing I’ve noticed is that experiences can vary dramatically depending on:
the bank
the branch
visa type
documentation
and possibly even the employee handling the account
I’m curious what other long-term expats in Thailand are experiencing these days.
Have your experiences with Thai banks generally been positive, negative, or somewhere in between?