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Home » Reader question » Emigrating to Thailand: ABN-AMRO wants to close my bank account
Emigrating to Thailand: ABN-AMRO wants to close my bank account
Dear readers,
For years I have read all reader questions and reactions with interest, but now I have a question that I do not see sufficiently answered in previous articles on this subject. I (41 years old) leave for Thailand in early March with a multiple entry 6 months tourist visa with the intention of eventually settling there permanently. Now I have written a letter to ABN AMRO for a number of practical matters and they now suddenly indicate that they want to close my accounts. At ING there also appears to be no option.
Now I will keep a house in the Netherlands that will be rented out and I would like to keep a Dutch bank account for receiving the rental income and make small payments for the house. Can someone provide me with information on how other people do it?
I would like to have a Thai bank account in the long term, but that will take some time and of course also obtaining a NON IMMIGRANT visa and work permit.
So I'm curious how other people do this, all comments are more than welcome!
Regards,
Bo
Dear Bo,
You have a 6 month tourist visa, as long as you are still registered in the Netherlands, ABN-AMRO will not close your bank account.
With me, I have lived here for 14 years and also many here have had their account canceled by ABN, I was able to open an account with ING bank in 2017. I think you make it clear to ING that you want to have a bank account, they don't make a fuss and open an account for you, don't say what you plan to do in the long term.
I had the same problem as you, also income from rental but therefore also payments and then a Dutch bank account is a must.
That other, non-immigrant and work permit, I would think again, is becoming increasingly difficult and more and more control. Added to that the strong bath now, yes is no fun anymore.
Success.
Regards, Roel
Dear Bo,
Just don't wake sleeping dogs.
Transfer your account to an address in the Netherlands. ABN AMRO will not verify your address. You then convert all your statements to digital. Then you will only receive your bank card at the address. It is wise to apply for a new pass just before you leave. This in turn has the maximum useful life. Tip put this pass in your suitcase as a spare. You can activate this card anywhere in the world by using it in an ATM. Good luck in Thailand and don't let the members on thailandblog drive you crazy. Who does not dare, who does not win.
Indeed, this works best, even if your parents have passed away and you do not pass it on, the bill will continue to run.
You have a problem I'm afraid.
According to the general terms and conditions, ABNAMRO may unilaterally terminate your contract.
Whether that is as absolute as the bank suggests, I doubt, but in the case of your emigration it probably is.
If you had a million euros in your account, you could simply continue to bank with ABNAMRO.
But it probably won't.
You could take out a ten-year deposit, but I don't guarantee success.
Among other things, I used that ten-year deposit in my defense against the cancellation of my account, after all I have a 10-year contract with ABNAMRO.
The ABNAMRO states that they will close my deposit because they are closing my account, and I state that they cannot close my account because I have a ten-year contract.
The Kifid has not yet made a statement about this.
That will happen soon.
You could still try the Rabo bank.
I was able to close an account there a year and a half ago, but they wanted to know how much money I was going to put in that account.
If you don't get any further, a commercial international bank like Deutsche Bank might be another option.
That possibility was once suggested to me in one of the many conversations I had the pleasure of having about ABNAMRO.
However, I did not investigate that option further, because I managed to close an account with Rabobank.
Then there is probably a different price tag on banking.
Open an account with the ASN, which is also the cheapest in the Netherlands.
Everything is going digital there.
I have had ING accounts in Thailand all the years and recently ING informed me that the bank does not intend to close the account upon emigration. Open an account there and don't wake sleeping dogs; don't you have a brother or sister who can keep the bill at his / her address?
As I understand from the story, the intention is that a house is rented out during the period that you are staying abroad.
If there is a mortgage on it, permission from the mortgage lender will often be required and also pay attention to the small print in terms of home insurance if you are no longer registered at the address.
If you deregister from NL, you no longer have to pay health insurance, but it also costs 2% AOW per year. In that case, a different type of health insurance is desirable.
If you do not unsubscribe, you will have an address and an account could be opened at any bank.
A visa with a work permit still seems premature to me because then you have to rely on a company. Apparently that is not there yet and would it be there in 6 months?
I wouldn't make it more difficult than it is and in 6 months you will see further because everything always turns out differently than planned.
Success.
A rental house cannot simply be sublet!
LS
I would take another bank. SNS, for example, is not difficult
Greeting.
Had a telephone consultation with ING 2 months ago, I am an ING customer myself
Explained that I will be moving to Thailand for good halfway through this year, but would like to keep my ING account.
No problem at all, because I log into the website and change my address for my Thai address. That's all.
I receive dj digital mail and bank card is sent to Thai address.
Try Van Lanschot, which makes no problem at all, but a reasonable amount may have to be deposited or regular credits.
Well,
I would advise you to think again, to leave the Netherlands at the age of 41.
The accrual of your AOW stops (2% per year)
The health insurance stops, (the cheapest in the world)
All social services in the Netherlands will stop.
But
In Thailand you have good weather 365 days a year.
An AOW for people with a Thai passport of no less than 600 Bhat per month.
A health insurance for people with a Thai passport of 30 Bhat.
And for Experts;
Constantly changing requirements, which are becoming stricter and where you must receive at least 65.000 Bhat per month from abroad. Health insurance for at least € 400 per month.
If you have been admitted for a certain ailment, this will then be removed from the package.
Living costs are cheaper than in the Netherlands, but are getting more and more expensive every year.
You can forget about a work permit, working illegally means a one-way trip (at your own expense) to the Netherlands
But still strength.
The accrual of your state pension stops … 2% per year … do you really think (he is 41) that it still matters? That everything will still be the same in 26 (maybe even 28) years? Keep your house in the Netherlands and build a few more, if possible, in neighboring countries of Thailand and rent them out as well.
If you still have a mortgage with abnamro, that bank will respect that contract (abnamro has explicitly communicated) and with it your account. However, if you have a mortgage, you are not allowed to rent out your house without permission from the bank.
So you shouldn't have said anything at all, especially since you indicate that you intend to settle in Thailand, so apparently it's not certain.
If I were you, you would write a new letter stating that your plans have changed,
or that you misdefined it,
or that the bank misunderstood you,
or that you have discovered that, based on your age of 41, you cannot obtain a visa for longer than a few months and have therefore decided to stay in NL for 4 months at a time and therefore do not deregister from NL.
Furthermore: you are 41, then you have a problem with your visa (no retirement visa possible at that age). You will then have to start a business, investing several million baht + employing a handful of Thais. Getting a job as an employee will be difficult.
Dear Roel,
I think the problem is that you no longer have a registration address in the Netherlands. So you can no longer receive Mail there. If you do have a place where Mail can be delivered, I would register here with a so-called letter address. You must request this in writing in the place where the address is. Address to the Mayor & aldermen.sign and if necessary provide supporting documents. Then you will also remain insured for the health costs. Your plan is for now at least 6 months I understand. Hibernators do this too..
You can find more information about this on the internet.
Regards Anthony
Dear Ruud, just like you can cancel a deposit, ABN AMRO can do that too. if you cancel early it will cost you money and if they cancel it will cost them money . I myself am involved in a huge fight with them about the payment of my deposit so taking out a quick deposit is not going to work.
The Kifid has the last word in this matter, and trying costs nothing.
And if it does indeed cost them money, that is one more reason to take out a deposit, right?
The conditions of the bank state that they can cancel my private account, but nowhere does it say that they can unilaterally cancel my 10-year contract.
So I'm assuming for the time being that they can't close that account as long as that deposit is running.
And if it's different, I'll notice, and we'll move on to plan B.
Register as an expat with ABN AMRO in due course. You do not immigrate to Thailand. You will receive a temporary residence permit. A NON (= not) immigrant visa with possibly a year extension afterwards.
ABN AMRO does support expats.
He won't get it, not even 50.
ING is very difficult when changing address to Thailand.
After 4 weeks I received my activation code, blamed the Thai post.
After many phone calls and chats, my Thai mobile number has still not been entered after 5 months.
The mail from the Netherlands to Thailand is excruciatingly slow. Today I received a letter from the Netherlands that was posted on January 18. So it took 34 days. I don't know whether that is due to Post NL or Thai post.
Dear readers,
Thanks for all the responses. For the sake of convenience, I only respond to most questions / comments that I see. The house is no longer mortgaged and I have a good bank balance. I can possibly open an account with another bank. Ultimately, a bank facilitates in a certain process and which bank does that is not very important (ok, I'm not going to a Dirk Scheringa-like bank of course). I previously studied in Thailand for 1,5 years and got to know a small network of expats and Thai and learned to speak the language reasonably well. Nothing is easy, but where there is a will there is a way.
So I'm not jumping into a hole, because I've had 1 nice holiday, but I've been working on this plan for over 10 years. I understand that obtaining a work permit is not easy, but it is certainly not impossible.
I read in Kareltje's response that health insurance would cost €400 per month. I received a quote from Oom for €135 per month. The monthly income from renting out my house should be enough, even with a bad exchange rate, to live. A simple life without too much luxury, but I don't drink or smoke and love Thai food (on the street and food courts). In the next 6 months I will investigate what exactly is needed to make my dream come true. Thanks again for the responses!
Regards,
Bo
Please take your time to read through the options available to you at: https://transferwise.com/
You then have an account in Germany with all the benefits of the EU.
With such an international bank account you can solve a lot of problems.
Everything is globalizing, smart banks go along with it instead of acting so coy.
Dear reader
The message if you deregister, it will cost 2 percent AOW per year, of course, is not necessary
you can continue to pay your AOW premium.
Just report and ask for a quote what that costs, it is possible if you can earn little for 527 euros per year. I thought this is the minimum rate.
happy day Peter Yai
You can voluntarily continue your AOW accrual for a maximum of 10 years. The premium depends on your income and you will therefore have to prove it with documents, tax returns or whatever, with a minimum premium that Peteryai mentioned of 527 Euro per year