🇹🇭Which banks accept Americans in Thailand?

Implied open: Bangkok Bank's expat booklet says US persons give a W-9 with their TIN. Caution: the booklet dates from January 2017; we found no newer official statement.

COMMUNITY DATAPOINT, NOT OFFICIAL POLICY. A reader living in Bangkok reports that Bangkok Bank opens accounts for US citizens, and says they're fairly sure but not certain. Bangkok Bank hasn't confirmed this. Separately, since May 2025 Bangkok Bank generally requires foreigners to hold a long-term visa (see the Bangkok Post entry).

Not specific to US persons. Since May 2025 Bangkok Bank opens new deposit accounts for foreigners only if they hold a long-term visa (for example retirement or other non-immigrant visas), are married to a Thai national, or own property in Thailand. Tourists and other short-stay visitors are generally excluded. US citizens face these rules plus the W-9 paperwork.

COMMUNITY DATAPOINT, NOT OFFICIAL POLICY. A reader living in Bangkok reports that Kasikornbank (KBank) opens accounts for US citizens, and says they're fairly sure but not certain. KBank hasn't confirmed this.

Implied open: KBank's FATCA/CRS FAQ says it has collected FATCA/CRS forms from customers since April 2023 and reports US persons' accounts to the IRS via the Thai Revenue Department. In November 2024 it emailed existing customers asking for a self-certification plus an IRS Form W-9 where applicable (US citizens). That points to KBank documenting US-person accounts rather than refusing them, but no KBank page says outright that it opens new accounts for US citizens.

COMMUNITY DATAPOINT, NOT OFFICIAL POLICY. In a May 2025 thread started by an American on a Non-O visa, several members recommend KBank and report recent success. One was told a rental agreement plus visa and passport would be enough. Requirements vary by branch, and big-mall branches used to foreigners are suggested.

Implied open: Krungsri's FATCA Q&A (announced 1 June 2025) says US persons opening new accounts must complete an IRS form, and that US customers give a W-9 with their TIN. That means it documents US persons rather than refusing them. No Krungsri page says outright that it opens accounts for US citizens. ("verity" in the quote is the bank's own typo.)

Implied open: Krungthai's FATCA page says it reports to the IRS on accounts held by US citizens, so it holds such accounts. Caution: the same page says the bank may consider closing accounts of customers who don't answer the FATCA questionnaire or supply the documents it asks for.

COMMUNITY DATAPOINT, NOT OFFICIAL POLICY. In a May 2025 thread started by an American on a Non-O visa, members say they bank with SCB without problems, and one says a Non-O visa plus a Thai driving licence was enough, with no residence certificate. We found no official SCB statement on US persons.

COMMUNITY DATAPOINT, NOT OFFICIAL POLICY, AND OLD (September 2014). A US citizen reports that SCB had them fill out an IRS W-9 and an internal SCB form when FATCA came in, so their account continued with the paperwork.

Implied open: ttb's FATCA page offers the W-9 to customers declaring American nationality. The page is bilingual; the quote is ttb's own English line.

COMMUNITY DATAPOINT, NOT OFFICIAL POLICY. In a May 2025 thread started by an American on a Non-O visa, some members say Bangkok Bank works for them. Others say it has become strict about residency certificates, and one was told new accounts were for property owners only. The reports point to branch-by-branch residency rules, not a US-specific ban. They conflict on whether a newcomer can open an account.

StashAway Thailand's help article 'I'm a US Tax Resident; can I open an account?' says US citizens can't open an account at the moment. The page loads its answer with JavaScript, so this was checked against the search-index copy.

Trading 212 doesn't offer accounts to US persons: US citizens, people born in the US, green-card holders and others with US tax obligations. It asks US-born people with a Certificate of Loss of Nationality to contact support. Countries listed come from Trading 212's supported-countries page.

Schwab markets brokerage accounts specifically to 'U.S. citizens living abroad', with US-dollar accounts, a Schwab Visa debit card with ATM fee refunds, and 1099 tax reporting. Which products you can get depends on your country of residence.

IBKR treats US citizens as US tax residents wherever they live. Its staff, replying on IBKR's own Campus site, say it offers IRAs to US citizens living anywhere in the world, and that you keep your account when you relocate unless the new country is sanctioned. IBKR may still ask for a new application and asset transfer to its local entity. Your entity follows your country of legal residence.

Fidelity's FAQ for investors outside the US says it doesn't open new accounts for people residing outside the US. Existing customers who move abroad may keep accounts, but they can't buy mutual fund shares (including adding to funds they already hold), and further limits vary by country. Fidelity's site blocks automated fetches, so this was checked against the search-index copy of the official page. Re-check it manually.

Schwab says International clients 'in certain jurisdictions' may no longer be able to buy US-registered ETFs. It offers EU-authorised UCITS ETFs to EEA residents instead, traded through a specialist with foreign transaction fees.

COMMUNITY DATAPOINT, NOT OFFICIAL POLICY. Bogleheads forum members report that after they gave Vanguard a foreign residential address, they could no longer buy or exchange, but could still sell, reinvest dividends and transfer out. Some reported taxable accounts being closed. Experiences vary by country. Vanguard's own legal notice only says its US products are intended for US residents.

Betterment says it only operates in the US and can't accept customers residing outside the US, including US citizens living or working abroad. You need a permanent US address plus an SSN or ITIN. Login may be blocked from some countries.

Firstrade accepts international clients, but only non-US persons. Its help centre says it doesn't accept new applications from US citizens or permanent residents living abroad.

Revolut's trading entities outside the US can't serve US persons (citizens or residents) living outside the US. Only Revolut's US entity serves US persons, and only those residing in the US. The page says nothing about Revolut's everyday account.

Wealthfront requires an SSN, a permanent US residential address and current US residence. It says it can't support clients living outside the US, including US citizens abroad. The page mentions a possible exception for active-duty military and US government employees.