Bangkok Bank Public Company Limited (BBL) is one of the largest private commercial banks in Thailand, known for its extensive international network, innovative financial services and focus on its customers. Since its establishment in 1944, Bangkok Bank has held a significant position in the financial markets of Thailand and Southeast Asia through its customer-first philosophy and digital transformation strategy. The following is a comprehensive introduction to Bangkok Bank, covering its basic information, deposit and loan products, digital services, technological innovations, unique services and market position.
Bank Basic Information
Bank type: Commercial bank, non-state-owned or joint venture, is a listed company on the Stock Exchange of Thailand.
Full name: Bangkok Bank Public Company Limited.
Founded: 1944.
Head Office: Bangkok, Thailand, with registered address at 333 Silom Road, Silom, Bang Rak, Bangkok 10500.
Shareholder Background: Bangkok Bank was listed on the Stock Exchange of Thailand (stock code: BBL) in 1975 and its major shareholders include institutional investors and public shareholders. Its subsidiaries include Bangkok Bank (China), Bangkok Bank Berhad (Malaysia) and PermataBank (Indonesia).
Regulation & Compliance: Bangkok Bank is regulated by the Bank of Thailand and is required to comply with international financial standards to ensure operational transparency and the safety of customer funds. Thai baht deposits are protected by the Deposit Protection Agency of Thailand with a maximum protection amount of 1 million baht per person (as of August 11, 2021).
Deposits & Loans
depositsBangkok
Bank offers a wide range of deposit products to meet the needs of individual and corporate customers
demand deposits: including checking accounts and savings accounts, the minimum amount to open an account is 500 baht, interest rates vary depending on the market, and you need to consult the bank directly. Interest is calculated on a daily basis and paid every six months (June and December).
Fixed Deposits: Support multiple currencies (BAHT, USD, CNY, etc.), deposit terms from 1 day to 24 months, and the minimum deposit is 2000 baht. From 8 May 2025 onwards, the interest rate for fixed deposits will be 1.30% for 4 months and 1.35% for 7 months (please consult your bank to confirm the latest interest rate).
Featured Products:
e-Savings account: supports online account opening, offers competitive interest rates, and is suitable for digital customers.
Gain & Save Plan: Combine with insurance products to offer an additional APR of up to 2.5% for customers looking for high yield.
Large Certificate of Deposit (CD): suitable for customers with large amounts of money, the deposit period is from 7 days to 24 months, and the specific interest rate needs to consult the bank. Customers can check the latest "Cloud Interest Rate" offer via Bangkok Bank's Internet Banking or Mobile Banking.
LoansBangkok
Bank offers a comprehensive range of loan products, including home loans, car loans, and personal lines of credit:
Car Loans: New and used car financing is available through Bangkok Bank's consumer finance arm with flexible interest rates and repayment terms, depending on the bank.
Personal Line of Credit: An unsecured loan is available in an amount based on the customer's credit rating and requires an annual income of at least 15,000 baht. From 5 March 2025, lending rates include MLR (minimum lending rate) of 7.10%, MOR (minimum overdraft rate) of 7.55%, and MRR (minimum retail interest rate) of 7.30%.
Flexible repayment options: Mortgage and personal loans allow customers to manage their cash flow by allowing them to make early payments, no penalty periods, and adjust repayment schedules. All loans are subject to bank approval, credit history and financial documents are required from the customer, and the specific terms are subject to the loan agreement.
Mortgages: Fixed and variable rate mortgages are available for up to 70% of the value of the property and are repaid over a period of up to 30 years. From May 8, 2025, Bualuang mortgages will have an annualized interest rate range of 4.73%-6.65% and an MRR of 6.90%. Special plans such as "Sinmathaya Subthawee" account holders can enjoy preferential interest rates (5.79%-6.65%).
Digital Service ExperienceBangkok
Bank's digital services are centered on its mobile banking app "Bualuang mBanking" and internet banking "Bualuang iBanking", which support iOS 14.0 and above and Android 9.0 and above devices. Core features include:
Face Recognition: supports biometric authentication (such as Touch ID and Face ID) to ensure transaction security.
Real-time transfers: Fast and secure domestic and international transfers with Zelle and PromptPay International up to 1.2 million baht/day.
Bill management: Support for online bill payment, e-statements, and direct debit services.
Investment Tool Integration: Supports trading of stocks, funds, government bonds, and corporate bonds, and allows customers to manage their portfolios through the app.
Other features: including online account opening, credit card application, loan application, account lock/unlock, Rabbit LINE Pay recharge, etc. In terms of user reviews, Bualuang mBanking has a rating of around 4.6 to 4.7 on Google Play and the App Store, with users praising its fast startup speed (opening in less than 2 seconds) and simple interface, but some users mentioned keyboard input issues. The online banking platform supports multiple browsers (e.g. Microsoft Edge, Google Chrome) and provides similar features to ensure that customers can manage their accounts anytime, anywhere.
Technological innovationBangkok
Bank excels in fintech:
AI customer service: Bangkok Bank may have introduced chatbots or virtual assistants to optimize customer service through AI technology, Provide instant support and personalized financial advice.
Robo-advisors: Through mobile apps and online platforms, customers can manage their investments and provide financial advice based on AI technology, lowering the threshold for wealth management.
Open Banking APIs: Bangkok Bank supports open banking APIs through its API developer portal (Bangkok Bank API), which allows third-party developers to access its services and facilitate financial innovation and ecosystem building.
Other innovations: Bangkok Bank has developed its own digital cloud-native core banking platform to improve transaction efficiency and security, and support the Faster Payment System (FPS) and mobile token authentication.
Featured Services & Differentiation
Bangkok Bank is known for its global operations and customer-oriented services, including
itsglobal network
- : With more than 800 branches in Thailand and 32 international branches in 15 countries, including China, the United Kingdom, the United States and Southeast Asian countries. Bangkok Bank is the only bank in Thailand with branches in London and New York.
SME support: As a market leader in SME financing in Thailand, Bangkok Bank offers customized financial solutions such as the "Bualuang Home Loans for BAM Property Buyers" program (with a first-year interest rate as low as 1.95%).
Digital Transformation: Through "Bualuang mBanking" and "Bualuang iBanking", Bangkok Bank provides customers with digital services from account opening to investment.
Sustainability: Bangkok Bank is committed to the Sustainable Development Goals (SDGs) by supporting Thai businesses in their transition to a green economy through the Green Transition Academy Season 1.
Market Position & Accolades
Bangkok Bank is one of the largest private banks in Thailand with one of the largest total assets in Thailand, a leading position in corporate banking and SME financing, and more than 17 million retail customer accounts. Its international network in Southeast Asia covers 9 ASEAN countries and is the most international bank in Thailand. Key accolades include:
Future Trends Award in 2025 for excellence in the quality of work life for employees.
Named "Europe's Best Digital Banking Experience" by Forrester for five years in a row.
Received the Customer Experience Award for SME Banking and Mid-Business Banking from Greenwich Associates.
In 2023, it was named "The World's Most Innovative Bank" by The Banker magazine.
SummaryBangkok
Bank Co., Ltd. is a long-established and global commercial bank with a strong presence in Thailand and Southeast Asia with its innovation-driven strategy and customer-first philosophy. It offers a wide range of deposit and loan products, including high-yield savings accounts, term deposits, home care and personal loans, to meet the needs of individual and corporate customers. In terms of digital services, Bangkok Bank's mobile banking app has been well received for supporting real-time money transfers, investment management and biometric authentication. Technological innovations, including open banking API support and the development of a digital core platform, demonstrate its leadership in the fintech space. With its global network, support for small and medium-sized enterprises, and numerous industry accolades, Bangkok Bank has demonstrated excellence in the global financial sector.
