Applicant details and declarations

Every form comes first, before the camera. The applicant gives personal and work details, then the declarations the institution relies on later — political status, FATCA, beneficial ownership — and, under 20, a guardian’s consent. The system checks the format of what is typed as it is typed.

Who does it: the applicant; a legal guardian for an applicant under 20; the authorised signatories of a juristic person.

Individuals

Personal details: full name in Thai and English, date of birth, identity number, registered and current address, mobile number and e-mail.
Work: occupation, job title, workplace name and address, monthly income range.
The account: purpose of the account, source of funds, and source of wealth with its country of origin.
Guardian: when the applicant is under 20, the guardian’s identification and consent. An institution may choose to refuse applicants under 20 instead.

Addresses are picked from province → district → subdistrict → postcode, drawn from one nationwide data set. The same data set tells the risk engine which areas are special zones, so the address the applicant chooses is the address that is scored.

Juristic persons

The entity: name, registration or tax number, date and country of incorporation, registered and head-office addresses.
People who act for it: directors and authorised signatories, and any power of attorney.
Beneficial owners: the shareholding is followed through every layer until it reaches the natural persons who hold at least the threshold set in the licence profile (25% by default) of shares or votes, or who control the entity. For a trust, the settlor, trustees, protector and beneficiaries.

Declarations

Political status. Foreign, domestic and international-organisation political positions are asked separately, for the applicant, their immediate family and their close associates, with the legal definitions on screen. An applicant who declares political status is high risk at once, before any officer looks, and that level cannot be lowered.
FATCA. A full self-certification: US person status, tax residency and US tax number. The system fills Form W-9 (a US person) or W-8BEN (US indicia) from the answers and the applicant signs it in the app. Each institution sets its US-person policy — accept, review or refuse — and may refuse an applicant who will not complete FATCA.
Beneficial ownership. “Self” is the default; the applicant opts out to name another beneficial owner. An institution may refuse third-party beneficial owners.
Assistance. Older applicants and applicants who declare a disability are flagged so that an officer can call and explain the product. The flag is not a risk factor and carries no score. Disability carries its own explicit consent, separate from the general consent.

DA Dealer edition

A DA Dealer profile adds:

Extended source of wealth questions, with purpose of account and source of wealth taken from the dealer’s own code lists.
Evidence for a higher withdrawal class: proof of income and three months of statements, plus the facts that waive the 24-hour hold on a first withdrawal, each recorded with its evidence. KYC Core collects them; an officer decides the class in CDD Core.
Fields for later monitoring: income as an amount band with its period, and the purpose of the account as a code, so that transaction monitoring can test activity against what was declared.

What the system does or refuses

A Thai identity number must pass its checksum. A number that fails is blocked, not warned.
English names accept letters, spaces and hyphens only.
A missing mandatory field or attachment stops the application from going on.
The declaration is never overwritten. Later screening results sit beside what the applicant declared; they never replace it.