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BANGKOK 19 February 2019 09:12

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1 hour ago, newnative said:

   In one of my past lives I was an efficiency expert.  If any of you have been to the Bangkok Bank branch at Central Festival, you will know that, as a farang, every time you do business with a teller, the teller has to make a copy of your passport.  At this branch, that means getting up from her chair, walking out of the teller area, walking to the front of the bank where the desks and copy machine are, making a copy, walking back to the security door to the teller area, typing in the passcode to get back in to the teller area, re-entering the teller area, and finally--Ta-Da!--giving me my passport copy to sign.  

   Every time I do a transaction I have to bite my tongue. There's a back counter at the teller area, with an electric outlet.  It would be so easy to put a small copier there to handle passport copies.  It would save so much time and it amazes me that none of the staff has said, hey why in the World don't we have a copier back here?   As an aside, I've been banking there for over 8 years, the tellers all know me, but would they allow me to make take money out of my account one time when I forgot my passport?  Big no.

However ........ if wife walks in with your passport and says you said that it's OK for her to take money from your account, then ......... ?????? seems it no plobrem! Go Figure. 🙂

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I think to be fair the people to blame are not the staff in the local branch but the people who write the policies,

We visit our local branch regularly often a few times a week as we have a business.

The staff know us well and I have had discussions about the vast amounts of paperwork and the procedures they follow.

They have told us that they have no discretion but to follow the procedures and face dismissal if found out breaching them.

I accepted years ago that it’s no good trying to compare things here with your own country and getting upset.

All it does is raise your blood pressure, go with the flow, it’s easier

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"They wouldnt give it to her as their system said Miss So and So (old name), not Mrs So and So (new last name from marriage and title MRS) . They asked her to come back with the name change document (this is with my 1 year old child as well). They refused that as it had Mrs so and so,"..???

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1 hour ago, newnative said:

   In one of my past lives I was an efficiency expert.  If any of you have been to the Bangkok Bank branch at Central Festival, you will know that, as a farang, every time you do business with a teller, the teller has to make a copy of your passport.  At this branch, that means getting up from her chair, walking out of the teller area, walking to the front of the bank where the desks and copy machine are, making a copy, walking back to the security door to the teller area, typing in the passcode to get back in to the teller area, re-entering the teller area, and finally--Ta-Da!--giving me my passport copy to sign.  

   Every time I do a transaction I have to bite my tongue. There's a back counter at the teller area, with an electric outlet.  It would be so easy to put a small copier there to handle passport copies.  It would save so much time and it amazes me that none of the staff has said, hey why in the World don't we have a copier back here?   As an aside, I've been banking there for over 8 years, the tellers all know me, but would they allow me to make take money out of my account one time when I forgot my passport?  Big no.

Practices differ between banks. Bangkok Bank want a copy. Kasikorn just want to see the passport, no copy taken.

However, Bangkok Bank also attaches an FTT code to any funds from overseas. Kasikorn doesn't. I can see why as an efficiency expert you would get frustrated. Jai yenn yenn.

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3 hours ago, crickets said:

I closed the account and they could keep the three baht they had in it. Opened one in 5 mins down the road.

 

They are laughing all the way to the bank. Ooh they are at the bank. 

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21 hours ago, pr9spk said:

Sometimes, I feel that when you go and do something official in Thailand, either opening a bank account, or sorting your visa or other paperwork, it seems that the official in question has decided long before your backside evenhits the chair whether they are going to help you or not.

 

And being foreign, usually the latter. I know most Thais are not overtly racist, but they do seem to like making your life difficult by being a jobsworth or by using their power to make themselves feel better.

 

Like when I was trying to open a savings account, when I sat down and explained the situation to the bank employee, she started shaking her head and saying "mai dai" a lot. Then she met my wife, who happened to come from the same village, and then like magic she was able to open me an account. Funny that.

 

And there seems to be no consistency between different branches of the same bank, or different immigration offices, where you can be told totally different things depending on who you speak to on the day. But then again this is still considered a developing country so I guess you have to accept niggles like this.

 

Although with the worrying visa changes which could continue in the future, the over-zealous bureaucracy with their fascination with extreme paperwork requirements, and the constantly strengthening baht, I am not worried that people are asking questions about Vietnam etc.

 

What do they do with all this paperwork? There must be skyscrapers somewhere filled with signed and stamped documents which were looked at once and then will never be seen again. I did less paperwork to get my mortgage and buy my house in the UK than I needed to open a super basic savings account here.

Ah well, since you ask, I went to BB today to open a new account (I have others there as well). I wanted a credit card and a new Time Deposit (security for the CC). I signed probably 40 times in all. The Bank Girl and I both laughed at all the paperwork and she explained they have a huge storage place near DM airport. If the police or Bank need a file, they have to ask for the relevant box to be sent to the branch and the staff need to search the box for the right paper and then reverse the process. I mentioned a paperless office and she laughed even louder. You need your sense of humour here in the LOS

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12 hours ago, newnative said:

   In one of my past lives I was an efficiency expert.  If any of you have been to the Bangkok Bank branch at Central Festival, you will know that, as a farang, every time you do business with a teller, the teller has to make a copy of your passport.  At this branch, that means getting up from her chair, walking out of the teller area, walking to the front of the bank where the desks and copy machine are, making a copy, walking back to the security door to the teller area, typing in the passcode to get back in to the teller area, re-entering the teller area, and finally--Ta-Da!--giving me my passport copy to sign.  

   Every time I do a transaction I have to bite my tongue. There's a back counter at the teller area, with an electric outlet.  It would be so easy to put a small copier there to handle passport copies.  It would save so much time and it amazes me that none of the staff has said, hey why in the World don't we have a copier back here?   As an aside, I've been banking there for over 8 years, the tellers all know me, but would they allow me to make take money out of my account one time when I forgot my passport?  Big no.

They get paid to work there all day long so making things fast or efficient for you is the least of their concerns 

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On 2/12/2019 at 9:53 PM, Puchaiyank said:

Some Thais...banking, immigration, healthcare...appear to enjoy making a farang's blood boil.  Why you ask...because they can...makes for great conversation at evening dinner.

Probably the only time in their life when they can hold sway (power) over a rich farang and they intend to make you sure you know who has the power.

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I tend to use the word 'draining' a lot living in Thailand. 

I try and keep away from power hungry people and bureaucrats as much as possible. 

I can't deal with irrational & illogical people.

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I think to be fair the people to blame are not the staff in the local branch but the people who write the policies,

We visit our local branch regularly often a few times a week as we have a business.

The staff know us well and I have had discussions about the vast amounts of paperwork and the procedures they follow.

They have told us that they have no discretion but to follow the procedures and face dismissal if found out breaching them.

Maybe sometimes, but not always, local staff often seem to make the rules up as they go along.

Last year I sold a property and after deciding not to buy again for the time being I thought I would deposit the proceeds, not an insignificant sum, in a joint account with my wife, I thought it would be easy to open the account at a branch of Kasikorn where we both had accounts.

Armed with my passport and her ID Card off we trotted to our bank for what we thought would be a straight forward procedure, not so.

First of all I was told I needed a work permit, telling them I’d been retired for twelve years and reminding them we already had accounts there caused the teller to scurry away and come back with the new requirement that I needed a letter of recommendation from my Embassy, my question that what would that letter have to say drew a blank stare.

I asked, politely, to speak to a manager and another employee who advised us that it was a new requirement from the Bank of Thailand.

Suspecting it wasn’t we thought we’d check with Kasikorn’s HQ, they confirmed in writing that there was no such new rule and that if we went back to our branch and faced the same hurdles we should ask them the call the HQ and they’d be put right.

I quite fancied doing this but my wife wasn’t as keen as doing so, so we went to Silom, where our account was opened in a matter of minutes.

Now wishing to transfer the house sale proceeds to this new account we went into a branch of the bank where our lawyer had opened an account and deposited the proceeds and asked to close the account and transfer to our new Kasikorn account, “no cannot, you need to go to where the account was opened”, which was up country.

OK can I transfer all but 10 Baht to the KK account, no cannot.

OK can I withdraw all but 10 Baht in cash, yes no problem, they proceeded to stuff a few million Baht into large envelopes and instructed their security guard to escort us to the Kasikorn bank next door where the cash was duly deposited without question or hint of surprise.

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On 2/12/2019 at 10:16 PM, scorecard said:

none of the bank staff have no idea whatever what middle name means.

Well if none of the bank staff have no idea, then there should be no problem.

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Of course, I am fed up with stupid banks! That is the reason, when I need to take a small loan, I am basically going online. There are so many online companies which are providing loans and financial support. You can check one company's official site and find more information about it. 

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