Foreign Currency Deposit


Foreign Currency Deposit Account(FCD Account)
  • To mitigate risk exposure of import and export businesses from fluctuations in exchange rates
  • To facilitate foreign currency management for  international businesses
  • To expand investment alternatives with yields from exchange rates and interest rates
  • To reserve fund for future payments in foreign currencies such as payment for goods, services or overseas tuition fees, etc.
Available up to 12 currencies (1 account per currency)
USD, GBP, EUR, JPY, AUD, CHF, HKD, SGD, NOK, SEK, DKK, CNY

Types of Account :
 
Type of FCD Account and Customer Purpose of Deposit Source of fund FCD – ATM Card
Foreign Currency Deposit
(FCD)
  • Foreign Individual (Non – Thai Resident)
Savings/capital fund of
Foreign Deposit
Funds from abroad/Foreign Banknotes
/THB Currency
Available
  • Foreign Juristic Person (Non – Thai Resident)
Not Available
Special Foreign Currency Deposit
(SFCD)
  • Thai/Alien (Thai Resident)
Savings/capital fund of
International Businesses
Funds from abroad/
Foreign Banknotes
Available
  • Thai/Alien Juristic Person (Thai Resident)
Not Available
Domestic Funds – Foreign Currency Deposit
(DFCD)
  • Thai  Resident
Savings/capital fund of
International Businesses. The deposit
must be supported
by evidence of obligations
THB Currency/ Foreign Banknotes Not Available
  • Thai/Allen Juristic Person (Thai  Resident)
Not Available
Domestic Funds – special Foreign Currency Deposit
(DSFCD)
  • Thai  Resident
Savings/Deposit Investment
THB Currency/ Foreign Banknotes Available
  • Thai/Allen Juristic Person (Thai  Resident)
Not Available


Minimum Amount of Initial Deposit:
 
Deposit Account Type
Amount in USD or the equivalent in other currencies
Minimum Amount of Initial Deposit  Minimum average monthly balance*
Current (non - cheque) 2,000 500  
Savings(Individual) 500 500
Saving(Juristic Person) 5,000 5,000
Time Deposit (Month) 5,000

Amount of each deposit shall not be less

than USD 2,000 or the equivalent 

Time Deposit

(Day)

Individual 500,000

Amount of each deposit shall not be less

than the initial deposit 

Juristic Person 3,000,000

Amount of each deposit shall not be less

than the initial deposit


Remarks* -Accounts of foreign customers with a remaining balance lower than the Bank’s requirement and having been inactive for 90 consecutive days are subject to an account maintenance fee of 10 USD or the equivalent, as specified by the Bank. per month (Thai Resident are not subject to the remaining balance requirement and account maintenance fee) –The deposit system will automatically close accounts of foreign customers with a remaining balance being nil (0.00) for  365 consecutive says without prior notice – Holders of FCD accounts which are savings/current accounts will be given an FCD Card instead of a passbooks, as evidence of deposit – A copy of passport is required for any Thai Resident depositing foreign banknotes into SFCD accounts of withdrawing funds in foreign banknotes from any account types – Requirements pertaining to the minimum initial deposit amount, the minimum average monthly balance and other conditions, are subject to changes in accordance with the Bank’s announcement.

Maximum Balance of Each Type of Account at the end of each day (Total amount of all currencies from all accounts with all banks per customer)
 
 
Type of Account
Maximum Balance (in USD or the equivalent in other currencies based on the Bank’s rates)
Non Thai Resident Thai Resident
Foreign Individual Foreign Juristic Person Individual Juristic Person
FCD Unlimited Unlimited - -
SFCD - - Unlimited Unlimited
DFCD - -

The outstanding balance of deposits

shall not exceed the obligation amount

as per the supporting evidence 

The outstanding balance of deposits

shall not exceed the obligation amount

as per the supporting evidence

DSFCD - - 5,000,000 5,000,000

Remarks
  • The maximum balance applicable to each account type is subject to change as per the Bank of Thailand’s rules and regulations
  • Banknote deposit and withdrawal must be supported by evidence as prescribed by the Bank of Thailand
  • For deposits in foreign banknotes, the daily aggregate amount of deposits in all currencies, accounts and all Banks in Thailand for one Thai Resident shall not exceed USD 10,000 or its equivalent according to the Bank of Thailand’s regulation
Detail
For Individual
Thai Resident:
  • National ID Card/Alien ID card/other cards with citizen ID numbers and photo issued by government agencies
  • Evidence of residence (of the ID card does not include residential information or the individual is an alien)
Non Thai Resident:
  • Passport

For Juristic Person
  • Thai/Alien and Foreign juristic person in general shall provide a certificate of incorporation in the same manner as for the opening of a current account in Thai Baht
  • Embassies/United Nations specialized agencies (international organizations) shall submit a letter of intent to open an account in the name of the agencies together with identity documents of the head of the agencies and persons involved with the account
Krungsri FCD

The Card that allows you to withdraw cash in Thai Baht from a Foreign Currency Deposit Account at any Krungsri ATMs nationwide. Simply open a Foreign Currency Deposit Account with Bank of Ayudhya and apply for an Krungsri FCD Chip Card* to enjoy the convenience of cash withdrawals in Thai Baht, fund transfers between accounts within Bank of Ayudhya and balance inquiries

Transactions via Krungsri ATMs
  • Cash withdrawals in Thai Baht : Real Time T/T Buying Rate will be applied (Maximum of THB 20,000. - per transaction THB 100,000.- per day/up to 10 times per day)
  • Fund Transfers between Thai Baht accounts within Bank of Ayudhya (Maximum of THB 150,000.- per day)
  • Balance enquiry (up to 5 times per day)
  • Change PIN number
  • No fee for withdrawals or fund transfers of Thai Baht within the same Clearing house.
Remarks*
  • Krungsri FCD Chip Card can be used at Krungsri ATMs only
  • Fees for inter – region transactions are in accordance with the Bank’s announcement.

Minimize... risk over exchange rate fluctuation
Maximize... flexibility in managing foreign currencies
Increase... value of your money with an attractive interest rate

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