What is the Gold trading service?

Gold trading is a service that allows Bangkok Bank Mobile Banking customers to invest, buy, or sell gold directly with Thailand's leading gold shops using a Foreign Currency Deposit (FCD) Accountor an FCD e-Savings Account in USD. It offers a convenient, secure, and hassle-free way to trade gold in real-time via the Bangkok Bank Mobile Banking app.

What are the eligibility criteria for using this service?

To use this service, you must meet the following requirements:

• Be a  Bangkok Bank Mobile Banking  customer.
• Hold Thai nationality and be 20 years of age or older.
• Have a USD  Foreign Currency Deposit (FCD) Account  or an FCD e-Savings Account.
• Complete initial registration with your preferred gold shop and set up a Direct Debit service to enable seamless automated payments for your gold transactions.

How do I open an FCD e-Savings account via Bangkok Bank Mobile Banking?

For individual customers of Thai nationality who hold a savings account in Thai baht and have completed identity verification using a Smart Card at designated bank channels, you can easily open a USD  FCD e-Savings Account  by yourself.

• Minimum Deposit: No minimum initial deposit is required.
• Service Hours: Available daily from 07:00 a.m. - 10:00 p.m. via the Bangkok Bank Mobile Banking app.

Is it necessary to apply for the Direct Debit service through the gold shop's website?

If you do not have an active gold trading account with a gold shop, you must register for a user account with them to enable payments and receive funds from trading gold. You can register for a gold shop account directly via the Bangkok Bank Mobile Banking app and must set up the Direct Debit service during this application process.

What are the service hours for exchanging USD via the Gold Trading feature?

Registered gold trading customers can exchange USD via Bangkok Bank Mobile Banking from Monday to Friday, between 08:30 a.m. - 02:00 a.m. the following day (excluding bank holidays).

What are the trading hours for online gold trading via the Bangkok Bank Mobile Banking app?

You can trade gold online via Bangkok Bank Mobile Banking from Monday to Friday, starting from 07:00 a.m. until 02:00 a.m. of the following day. Note: Operating hours may vary depending on the terms and conditions of each gold shop.

• Hua Seng Heng: Monday to Friday, 06:00 a.m. – 02:00 a.m. of the following day (excluding international gold market holidays).

How can I withdraw physical gold?

You can request a gold withdrawal via Bangkok Bank Mobile Banking subject to the terms and conditions set by each gold shop. Please note that additional fees may apply, such as gold bar processing fees (premium fees) and/or postal delivery charges.

• For more details, please visit Gold Trading with Hua Seng Heng via Bangkok Bank App.

Are there any transaction fees for online gold trading?

Transaction fees depend entirely on the terms and conditions of each gold shop.

• Hua Seng Heng: Enjoy zero transaction fees (free of charge) when trading gold online via the Bangkok Bank Mobile Banking app from October 15, 2026 until June 30, 2027.

What can I do with a Foreign Currency Deposit (FCD) or FCD e-Savings account?

You can perform the following transactions for your FCD or FCD e-Savings account via Bangkok Bank Mobile Banking:

• 24/7 Account Management: Check your transaction history and account balance anytime, 24 hours a day.

• THB to USD Currency Exchange: Transfer funds between your THB and FCD accounts up to 3 million THB per transaction (unlimited number of transactions).

  • Gold Trading Customers: Available from 08:30 a.m. to 02:00 a.m. of the following day on bank business days.
  • General Customers: Available from 08:30 a.m. to 06:00 a.m. on bank business days.

• Statement Requests: Request e-Statements retroactively for up to 12 months.

How can I contact the gold shops for inquiries?

Hua Seng Heng: You can contact the Hua Seng Heng Call Center at 02 112 2222.

• Business Hours: Monday–Friday (08:30 a.m. – 12:00 a.m.) and Saturday–Sunday (08:30 a.m. – 05:30 p.m.).
• Supported Inquiries: You can inquire about gold shop account registration, buying/selling/withdrawing gold, updating personal profile details, closing your gold trading account, or any other related topics.

Is online gold trading subject to tax?

Generally, physical gold trading (such as gold bars and jewelry) is exempt from Personal Income Tax under Section 42(9) of the Revenue Code, as it is classified as the sale of personal property. If the trading is conducted for commercial or speculative purposes (e.g., regular trading through online platforms/systems or transactions made under a corporate entity), any capital gains realized will be classified as assessable income. In such cases, investors have a legal duty to declare and pay annual personal income tax accordingly.