sumrit
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Posts posted by sumrit
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On 8/13/2021 at 7:51 PM, Liverpool Lou said:
Bear this in mind, there's no need to get back to me abut it. UK banks will not currently open accounts for non-residents. That includes Smile, it noted on it's website as a requirement for every account.
Yes, years ago, they were obliged to do what you requested, to add your wife's name to a sole account making it an joint account. She did not get a new account that Smile "felt obliged" to open for her.
In your secure enquiry don't forget to tell them that neither you nor your wife are UK residents and and haven't been for years.
I don't know if they still do it but at one time banks would only give new applicants a basic account with restricted options, plus opening saving accounts were not an option. When my wife was about to come to the UK, my niece who worked for a UK bank, suggested this option.
For me to open a standard current account in my name (with no restrictions) and add my wife as a joint account holder. A short time after that I could remove my name, leaving my wife as the sole account holder, but without the restrictions of a basic account. Then, my wife, having an existing account, could also open any account (current and savings) at any bank in just her name.
Of course it would need a second person to (temporarily) open an account in the UK, but it worked for us.
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28 minutes ago, DrDave said:
Does Transferwise not make deposits into Thai bank accounts on weekends?
No, any transfer initiated over the weekend is held over till the Monday (or next working day)
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14 minutes ago, superatoz said:
can i ask if the rates are better then normal bank transfer ?
never used it before , how does it work
Yes, and they guarantee the rate they quote.
Have a look: https://transferwise.com/?utm_source=invite&utm_medium=ios&utm_content=&utm_campaign=3for50
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8 minutes ago, Pattaya46 said:No. Must be other reasons as I already had TW transfers arriving on my Thai account during Thai night.
This transfer just arrived a few minutes ago. It tooks nearly 6 more hours (after the 14) to put the money on my account, and everyone know that a transfer interbanks in Thailand is "instant transfer".
I am just persuaded that TW make these delays to try to find the best exchange rate for them to increase their profit. 20 hours... ????
If you look at TW's terms they will guarantee next (working) day transfer.......but:
Some (most) of us who use TW have spent time checking and finding out when transfers are likely to arrive in Thailand and have found that. if you complete a transfer before 9:00am Thai time (Mon-Fri), 4:00am France time, (and use the correct reason for transfer plus use one of TW's three Thai partner banks) it will arrive in your Thai bank the same day. If you initiate the transfer outside that time window it's likely to arrive on the next working day (time of day is not specified).
If we require a same day transfer we abide by those rules and it works for us (almost) all the time. If we are happy to have the transfer completed by the next working day there is no restriction on the time of day when we initiate the transfer.
You, obviously, are quite happy for your transfer to arrive the next working day because you didn't initiate the transfer until 2:57pm France time, which is 7:57pm Thai time, around ELEVEN hours after the cut off time to expect a same day transfer.
If you require a same day transfer I would suggest you use the same time constraints the rest of us happily abide by.
If you can't do that, maybe TW is not for you. Find another bank/finance house that is more efficient and offers a better exchange rate.
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4 hours ago, UbonThani said:
Aus and NZ experts say dont bother with masks unless you have it.
What a stupid comment.
How do you know if you're infected and when you were first infected.
And that advice is from 'experts' 555555
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On 4/29/2020 at 7:56 AM, jayboy said:
Yes that was also my initial thought, and it probably partly explains the low number of recorded cases in Thailand
A lack of testing doesn't reduce the number of deaths. Tested or otherwise if somebody is exposed to the virus they will become infected. Testing will not determine who will die from covid 19 and who will survive.
High level testing will possibly highlight the speed that the virus is spreading, the hotspots and who is likely to be more vulnerable and reduce the number of deaths, not a lack of testing.
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18 hours ago, BritManToo said:
My (former) misses says she was refused for having a foreigner surname.
(but she lies a lot, so who could know)
but she lies a lot could be nearer the truth. My wife has an English surname and got the money without a problem.
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18 hours ago, KhaoYai said:
The point I'm making is that a married couple (Thai) with no kids are getting 5000 baht each whilst single parents only get 5000, no matter how many kids they may have. If you can't see the problem with that, I feel sorry for you.
Maybe the mother is expected to get a payment from the absent father(s)
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25 minutes ago, Brunolem said:Since we are into hypothesis...
From Thailand and Cambodia, expand the picture to the whole South East Asia, and then to East Asia.
It is not only these two countries...Malaysia, Vietnam, Burma, Laos and even Singapore have very few deaths.
And the resurgence of cases in Japan doesn't compare with what is going on in Italy or Spain, for example.
More generally, the Covid tracker clearly shows the massive difference in both cases and deaths between Western Europe + USA and all the East Asian countries.
If you remember, in the early days of the epidemic, some scientists speculated that the virus was mostly targeting Asian people, for complex biological reasons far beyond my comprehension.
That was before the virus had reached the West, or at least had started wreaking havoc over there.
So, what if it was exactly the opposite, and if the virus was in fact far more efficient in organisms other than Asians?
If you include all S/SE Asian countries (except China) and also include Australasia, the total recorded infections is less than half the infections recorded in the UK alone, and less than a TENTH of deaths.
One added option for the low numbers in Thailand, nearly all of the older, high risk, population live in the village and very rarely leave (a trip to the nearest town is almost treated as an annual holiday 55). It's the younger generation that have moved to the cities and they are usually restricted to two or three visits back home per year. And, since Songkran was cancelled, visits so far for most have just been new year, before the virus took hold. Also if most of that younger generation only suffered very mild symptoms we might not see the explosion experienced in the older generations within some other countries. Antibody testing of the younger generation in the large towns,cities is needed.
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4 minutes ago, EvetsKram said:
My wife also has a small hair salon in Korat, we live in it. The housebook is in her name and she did not qualify either. It really sucks when they close you down then do that <deleted> to you
OK, that's my theory up the Swanee. Luck might be the next best. 555
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It appears that maybe most of those that are rejected because they are 'farmers' have never updated their address and are possibly still on their parents(?) tabien baan and the householder is registered as a farmer.
My wife runs a market stall and is registered on our house Tabien baan. She got the 5k straight away.
Her friend on the next market stall is still registered on her mothers Tabien baan in her village. She was refused the 5k because she was a 'farmer'.
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12 hours ago, Don Chance said:
You'll also notice many Thais do not wear masks.
Don't know where you live but here in Chonburi practically everybody wears a mask every time they go out the house
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17 minutes ago, jacko45k said:
Will one be required to bring old passports to prove no O-A has ever existed in their life?
Immigration have always had a record of your visa/extension history. Their records aren't deleted when you renew your passport.
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2 minutes ago, AJS150654 said:
I had over 12 months of transfers with Kasikorn, but as I said, because I was using Bahtsmart, these showed up as domestic transfers in my Kasikorn statement.
You can get a credit advice receipt to show that all those Kasikorn 'domestic transfers' originated of overseas. Not sure who you would go to but Kasikorn's international department would definitely be able to tell you.
Kasikorn are aware of the problems and when one of my Bangkok bank transfers went via Kasikorn in July (due to a software update) Kasikorn international department supplied me with a credit advice receipt to cover that payment.
You will need to go to the 'bahtsmart' intermediary bank for the credit advice receipt but Kasikorn will be able to tell you who to speak to.
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12 hours ago, ramrod711 said:
My thoughts exactly, well put. I've been here 14 years, married, 3 pensions so no problems meeting financial requirements. One fly in the ointment, I'm diabetic so any health insurance that I can buy are very unlikely to cover heart, stroke etc. I don't want to buy insurance that excludes those ailments and probably couldn't. Previous reports state that 400,000 baht coverage would be the minimum requirement, how about allowing people to deposit 400,000 baht for the exclusive purpose of medical care. I wouldn't mind doing that, I don't expect Thai people to pay for my medical costs.
The regular changes to various visas/extension requirements are to encourage,channel people into using the correct visa.
The insurance requirement only applies to O-A visas used/issued after 31st October. As you are married and came here 14 years ago, I assume you arrived with a non O visa and extended (marriage) yearly after that. So the insurance rules wouldn't apply to you anyway.
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23 hours ago, lopburi3 said:
Fm US to Thai rather than from UK. Sorry as see could be misunderstood.
From reading the countless posts from US expats on this forum since the changes in Transfer requirements came into force, I get the impression that the US Governments obsession with money laundering regulations, plus their more more complex and diverse banking system, causes a lot of the delays experienced by many expats from the US.
The UK appears to have a different monitoring system which means we can transfer money, for everyday living expenses, without any problems or delays.
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22 minutes ago, steve187 said:the problem with a 'do both app' for some expats/tourists it that the 90 day needs to be done by the visitor, and the tm30 by someone else ie the wife.
The article suggests the new app will be for expats, not tourists, and changes might be geared to changes in information requirements meaning the expat can do everything themselves. Lets wait for the app to come out before looking for problems.
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1 hour ago, Kadilo said:Dumb question time so apologies in advance but how do you get your TW transfer tagged to get them to send to your Thai bank (Kasikorn in my case) using the same bank.
Can it be done on line or the TW app or is it simply a phone call. ?
Yes, you simply phone them up with your TW account number and your Kasikorn Bank details and ask them to tag all your future transfers to be routed directly to your Kasikorn account. That only needs to be done once. Then when sending future transfers you only have select your reason for transfer in the drop down box to the 'long term living in Thailand' option.
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11 minutes ago, lopburi3 said:
They do not send to UK according to their website.
Sorry, I haven't used them but looked at their website several months ago and they certainly did then.
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3 hours ago, Steve&mem said:
Is it possible to send money back to the UK from Thailand using Transfer Wise, I have been looking but I can't see that option.
No, TW don't provide that facility but there's another company based in Thailand, called Dee Money, that do.
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3 hours ago, gk10002000 said:
The US mobile system is fine. It is overseas where charges and plans can become a challenge.
Sorry, I thought the US mobile phone system used different frequencies to most other parts of the world, meaning you could use your US sim card anywhere but would need to buy a different phone to put it in while in Thailand for example. I thought US phones didn't work on Thailand's mobile system. Maybe it's just older phones. Apologies if I'm wrong.
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37 minutes ago, gk10002000 said:
I pay little for my communication device and it does all that I need
Except allow you to use Apps obviously.????????????
QuoteI have a computer at home, and at work use them all day long
No problem then. Personally I just find it easier, more practical and more convenient to use the Apps on my phone.
Reading what others from the US have said on TV, it does appear that both the banking system and the mobile phone system in the US is much more complex and difficult to use when compared to what we have in the UK. We can use the UK banking system from Thailand, via the internet, without any problems at all. I also have a UK sim that is fully accessible and usable in slot two of my mobile here in Thailand.
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1 hour ago, treetops said:
We should all be aware that despite the reason for transfer drop down now having the long stay in Thailand option available, Transferwise have said they still can not guarantee it will always show as an international transfer. Keep a Plan B up to date to avoid a repeat of all the wailing from early July when things went wrong for a while.
Nobody can guarantee 100% that there will never be an occasional blip in the system but what TW have done is talk to their three partner banks in Thailand who have agreed that should a rogue transfer go initially to the 'wrong' bank, that bank will supply us a 'Credit Advice Receipt' to confirm the transfer originated from abroad. Immigration at Si Racha told me that, because this document is supplied by a Thai bank, it will be acceptable.
I have used this system successfully twice so far. Firstly, when TW updated their software in early July I, like others, had my transfer sent via the Kasikorn Bank to my Bangkok Bank account. On request Kasikorn supplied me with a Credit Advice Receipt. It took less than a week to get and cost 200 baht.
I also had a transfer go via TMB last November and, although I don't actually need to show where it originated from, I decided to apply to TMB to see if their system worked. It does. They have a dedicated section at head office in Bangkok to deal with TW queries and I sent the documents they required via email last Thursday. They kept in touch on the progress and on Wednesday (two days ago) they contacted me to say the 'Credit Advice Receipt' had been delivered to my local TMB branch in Chonburi so I could collect it from there. There was no charge at all.
I don't know about anybody else but two successful requests for me and both supplied in less than a week.
Personally, I'm happy with the way TW have organised the system
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1 hour ago, gk10002000 said:
Use an app? I am still in the dark ages and do not use a smart phone. Just voice and text on my old flip top (or maybe I should now call it a flip flop) 3 g phone! All things I may have to change
I would suggest you need to drag yourself forward to the present day and learn like the rest of us pensioners have. ????????
Can I open a UK bank account online without visiting the UK?
in Jobs, Economy, Banking, Business, Investments
Posted
When my wife needed a bank account it was to pay her salary to her own account. And, because her work was pre-arranged, she started work just three days after she arrived in the UK.
My wife worked for a company that was attached to the NHS and she was paid monthly, directly by the NHS. She needed the bank account in her own name to prevent any possible fraud
Are you suggesting its now impossible for anybody to open a bank account in there own name when they first arrive in the UK?? or even add their name to somebody else's existing UK account.