Bob Posted May 26, 2009 Posted May 26, 2009 Strange. You all have heard me bitch about the fees SCB has been charging me this year but the one and only thing they are not charging me for is when I do online transfers to my Chiangmai bf's account. He has an account at SCB and it's "linked" so that is maybe why I'm not being charged for transfers to him. And, no, he has no access to my account. Quote
PattayaMale Posted May 27, 2009 Posted May 27, 2009 Gaybutton, I had been thinking of the Bangkok Bank option where I would have my pension deposited into Bangkok Bank, but how do you pay credit cards from US Bank? It is my understanding that the entire pension check needs to be deposited into Bangkok Bank. Quote
Gaybutton Posted May 27, 2009 Posted May 27, 2009 how do you pay credit cards from US Bank? Check with your pension source. You can probably have whatever portion you want sent to Bangkok Bank and the rest sent to your US bank account. If your pension source won't split up your benefit, then unless someone has a better idea, you would have to receive your money into your Bangkok Bank account, and then wire some money into your US bank account and pay your bills via online banking. I'm not certain, but I was told just this evening that you can now send and receive money with PayPal with Thai bank accounts. If that is true, then you would be able to pay your bills or put money into your PayPal account via your Thai bank account, and then transfer money to your US bank account via PayPal for a nominal fee. You might want to check into that. Also, if that is true, it could solve a lot of the problems people are having about the 150 baht foreign ATM card fees. Again, I was told this about PayPal only a couple hours ago and I have no idea whether that information is correct or not, but I would certainly check into it. Quote
Guest GaySacGuy Posted May 27, 2009 Posted May 27, 2009 One possibility for you would be the use of an ING Orange Account. I have one, and it works great. You can have your checks direct deposited to ING, and then attach the account to two other banks...including Bangkok Bank. You can transfer money from/to ING from both banks with no fees. You could also set up automatic transfers from ING to one of the banks. For example, you can have you checks deposited to ING, and have an auto transfer that sends so much of that money to your Bangkok Bank. I am working right now to get my Social Security direct deposited ING...just started receiving this last month. Quote
Guest Astrrro Posted May 28, 2009 Posted May 28, 2009 If anyone (u might have to be American, not sure) wants to open an ING account ($250 minimum), I can send u a link so you'll get a 25 buck bonus (and ING also gives me $10 ). You can even withdraw the original 250 after the account is open. Bottom line is you get 25 dollars for free. If interested please PM me with an email address and I'll send the special link. Quote
Guest Astrrro Posted May 28, 2009 Posted May 28, 2009 If I put a 6-month supply into the account while I am there, that's 30,000 baht the boy can withdraw any time he wants. I would rather not let him do that, but fund it monthly. My teerak has an account with the Yellow Bank so I opened one their too. I can use their internet banking feature to transfer funds for free between these accounts whenever I want. You can also set up a recuring transfer every month. I imagine this can be done in any bank where u both have accounts with Kasikorn (green bank) being the easiest account for a tourist to open. Yellow Bank note, when setting up either a transfer or recurring series of transfers (six months max) they send me an email with a "one time password". You then have 12 minutes to use the password but sometimes the password does not arrive till 20 minutes later so u have to start over. They will no longer send an email to new customers (I'm grandfathered) but instead text the "one time password" to a Thai mobile which makes it more complicated if u want to set up a transfer when you're not in Thailand. Quote
Gaybutton Posted June 3, 2009 Posted June 3, 2009 They will no longer send an email to new customers (I'm grandfathered) but instead text the "one time password" to a Thai mobile which makes it more complicated if u want to set up a transfer when you're not in Thailand. That is a very good point. Some banks, if you are going to do a money transfer online, will send what they refer to as an OTP - one time password, which is more or less a security code to confirm the transaction before it goes through. Some banks send it immediately by Email. Some send it immediately by mobile phone text message. Some don't send one at all and you only need to hit the 'confirm' button while using their online system. Some banks give you the option of the OTP coming to you by Email or mobile phone. Also, some banks don't send an OTP when completing the transaction, but they do send out an OTP if you are adding an account to the list of accounts to which you intend to make transfers. So, if you are going to set up a means of transferring funds to your boyfriend's account, try to use a bank at which all the OTPs can be sent to you by Email if you will not be personally be in Thailand when adding the account. If you are planning to transfer money from your own account to your boyfriend's account, all Thai banks, with use of their online banking, will allow interbank transfers, which means you can transfer money online from your own account to any other account, even if it is a completely different bank. So, you do need to make sure that if your bank does the OTP, you can receive it by Email if you are going to be outside of Thailand when doing transfers or if you don't have a mobile phone in Thailand at all. I do know that both Bangkok Bank and Siam Commercial Bank do not send out OTPs, however if I remember correctly, they do send out an OTP if you are adding an account to your recipient list. You just hit the confirm button. Bank of Ayudhya will send out their OTP only by mobile phone. Thai Military Bank will send it out by Email. Personally, I think Thai Military Bank is the easiest. With them, the OTPs come by Email. There are no OTPs at all when selecting another account, even at a different bank, to which money will be sent. You simply select which bank the transfer is going to from a drop-down list, enter in the account number, and then a page will come up showing the amount you are sending and the name of the bank and recipient. A few seconds later, an Email will arrive with the confirmation OTP. You enter the confirmation code, and then hit the submit button. By the way, today a friend and I stopped in at a Bank of Ayudhya branch office. Now they too charge the 150 baht foreign ATM card fee. As far as I know, that was the last bank not imposing the fee. I believe now all the banks charge the fee. Quote
Guest Astrrro Posted June 3, 2009 Posted June 3, 2009 foreign ATM card fee One of my American banks told me there is no fee for up to two foreign ATM withdrawals a month. However, their definition of a "foreign" transaction did not mean international but rather using another bank's ATM. So there's be no fee if I used an American ATM but that did not apply to Thai banks. Quote
Guest buckeroo2 Posted June 4, 2009 Posted June 4, 2009 By the way, today a friend and I stopped in at a Bank of Ayudhya branch office. Now they too charge the 150 baht foreign ATM card fee. As far as I know, that was the last bank not imposing the fee. I believe now all the banks charge the fee. I used the ATM of the Government Savings Bank loctaed inside Tukcom both yesterday and also this afternoon. No charge was added - on the receipt is says "fee 0" on both receipts. I also checked online and there are no fees showing as being charged. Yeserday I received a conversion rate of 34.09 and today is was 34.01. Of couse, I have the foreign conversion charge of 1 % charged but not the 150 baht fee the other banks seem to be charging. Quote
Guest ButterballBruce Posted June 5, 2009 Posted June 5, 2009 I have an ordinary savings account with Bangkok Bank. They won't give me Internet banking because I'm on a tourist visa. Any idea how I can get around this (other than getting a long-term visa)? I only visit for two months at a time. Quote
Gaybutton Posted June 5, 2009 Posted June 5, 2009 Any idea how I can get around this (other than getting a long-term visa)? Unfortunately, you can't. The only way Bangkok Bank will allow online access is if you are in Thailand on a non-immigrant visa. I don't know their reason for that policy, but that's the way it is. If you feel that you do have a need for their online banking, then you're going to have to come in on a non-immigrant visa. Quote
Bob Posted June 5, 2009 Posted June 5, 2009 Unfortunately, you can't. The only way Bangkok Bank will allow online access is if you are in Thailand on a non-immigrant visa. I don't know their reason for that policy, but that's the way it is. A few years bank, I had a Bangkok Bank account (acquired with the a simple 30-day entry deal). They later told me that I would not be allowed to use the online internet services unless I had a work permit (yep, that's what two different BB employees told me). So I switched to Siam Commericial Bank (again, at that time, opened up the account when I was there on the 30-day free entry deal) and got the internet access without any problem. [When I return in the fall, I'm still going to have words with SCB about all the 20-baht charges that began this January and, if they don't agree to get rid of them, I'll be looking for a third Thai bank. I'll be damned if I'm going to let a bank charge me 20 baht for updating the passbook myself with their machine, for withdrawing funds from an ATM in my "home province", or for even withdrawing funds using a withdrawal slip with a teller in my "home province.] Quote
Gaybutton Posted June 5, 2009 Posted June 5, 2009 They later told me that I would not be allowed to use the online internet services unless I had a work permit (yep, that's what two different BB employees told me). This is exactly why I keep recommending that everyone who comes to Thailand gets a Thai bank account while you still can. Every two minutes the rules change, and I haven't seen any change to our benefit. They keep making things more difficult. So, at least get a bank account at all while you can. Once again I fail to see the logic. When I first opened my Bangkok Bank account, many moons ago, there was no problem opening the account on the 30 days and no problem getting online banking. Try it now. But WHY? Why on earth would they care whether you have a work permit or not in order to get online banking? I don't have one. I never did. Thank goodness they didn't grandfather in that one. But since I don't have a work permit, obviously my online banking isn't causing them any problems. Who comes up with these kinds of nonsensical rules, anyway? Quote
Bob Posted June 5, 2009 Posted June 5, 2009 You're absolutely right - their rules are nonsense and against their own interest. Normally, a bank loves having an account where the holder leaves money in it for long periods of time as the bank makes money having those funds available to loan out at a far higher interest rate than they pay for the deposit (what they pay is close to negligible). And it would be in the bank's interest to do whatever it could to attract those accounts. But, TIT....... Quote
Guest frodo Posted June 7, 2009 Posted June 7, 2009 Bob, I am with SCB and I don't get charged 20 baht for ATM withdrawals. Also had my passbook updated last month by a teller for free. Quote
Gaybutton Posted June 7, 2009 Posted June 7, 2009 I am with SCB and I don't get charged 20 baht for ATM withdrawals. Also had my passbook updated last month by a teller for free. Between the bank charges and document requirements for visas, it seems that many of us are having entirely different experiences when we're doing exactly the same things. Lord only knows why this should be, but apparently that's what's going on. In another thread, when this sort of thing was brought up, I said this may be my newest item on my "I Don't Get It" list. Now, it's definitely made the list. I can't come up with anything to explain what's going on. Quote
Guest lvdkeyes Posted June 7, 2009 Posted June 7, 2009 I can't come up with anything to explain what's going on. I can explain it for you. T I T Quote
Gaybutton Posted June 7, 2009 Posted June 7, 2009 <!--quoteo(post=26352:date=Jun 7 2009, 06:45 PM:name=lvdkeyes)--><div class='quotetop'>QUOTE(lvdkeyes @ Jun 7 2009, 06:45 PM) <a href="index.php?act=findpost&pid=26352"><{POST_SNAPBACK}></a></div><div class='quotemain'><!--quotec-->I can explain it for you. T I T<!--QuoteEnd--></div><!--QuoteEEnd--> Unfortunately, that's probably the best explanation we'll ever get. Quote
Guest frodo Posted June 9, 2009 Posted June 9, 2009 Used a GSB ATM yesterday on 2nd road just north of South Pattaya road - no fee. Also the UOB ATM's are fee free still. Quote
Gaybutton Posted June 9, 2009 Posted June 9, 2009 Also the UOB ATM's are fee free still. Yesterday I heard the same thing about UOB (United Overseas Bank). I hadn't heard about GSB (Government Savings Bank) until your post. Assuming that's true, then they better keep their ATMs filled. They're going to get a lot of farang customers as long as they continue the practice. For UOB, you'll find their ATM locator page at: https://ereport.uob.co.th/BranchService/Fro...ng.jsp?suS=Find I couldn't find an ATM locator for GSB. Quote
Guest HeyGay Posted June 9, 2009 Posted June 9, 2009 Yesterday I heard the same thing about UOB (United Overseas Bank). I must say I was rather dubious of this Information about free ATM form UOB Bank, as I have to take at least 15000 the max at one time, at least 5 times a month to top up my Thai Income, so it was rather an annoying wasteful loss of money at 150 baht a time. I could not believe it when Bingo, no charges what’s so ever, so until they catch on we are in pocket, of at least 450 a month, so an extra bit for one of my lovers. Quote
Gaybutton Posted June 9, 2009 Posted June 9, 2009 I could not believe it when Bingo, no charges what’s so ever Enjoy it while it lasts. This evening I was told that even UOB is going to start charging in August, but their charge will be 100 baht, not 150 baht. I know nothing about GSB or what they're going to do. Quote
atri1666 Posted June 9, 2009 Posted June 9, 2009 Why you can get only 15000 baht? I always get my 20000 baht with my visacard. Quote
Guest lvdkeyes Posted June 9, 2009 Posted June 9, 2009 Why you can get only 15000 baht? I always get my 20000 baht with my visacard. I think you misread his post. Quote
Guest buckeroo2 Posted June 10, 2009 Posted June 10, 2009 Yesterday I heard the same thing about UOB (United Overseas Bank). I hadn't heard about GSB (Government Savings Bank) until your post. I have used GSB ATM 5 times since I arrived 10 days ago - no fees charged. Yesterday I tried to use the same ATM machine I used in the past - inside the entrance at Tukcom and I kept getting an error message saying that the amount I entered was invalid. I changed the amount a few times, tried an automatice fast cash withdrawal - each time getting the same message - I thought maybe my bank issued a fraud alert on my card so I tried it in another bank's machine and I got my cash and a 150 baht charge - at least I know my card has not been stopped - just a GSB ATM malfunction - hopefully it will be fixed as it worked all the times previously. Also AEON has no charge - I try to use them as I want to access a Mastercard account and GSB only accepts Visa card accounts. Anyway, there are 3 AEON ATM machines that I know of in Pattaya - one upstairs at Carrefour, one outside the Homeworks in South Pattaya and one on the second floor at Lotus in South Pattaya - I tried all 3 this past week and they were all out of service/offline. I will try the UOB - hopefully they will take a Mastercard ATM card. Thanks for the useful info guys. Quote
