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Can you tell me please, as I understand, if you want to open an account/card in a bank in Bangkok, you need a work visa? I work remotely for Japan, the money came to tinkoff, but the company has asked now some other bank (other country).
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I did it in a Bangkok Bank, I don't know about insurance, they demanded a certificate from the embassy (300 baht, they know which one) and a passport, the card was issued on the same day.
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Go to Bangkok Bank, buy insurance for 5900 and you will have a Thai bank account.