I used to have BKK bank and kasikorn, but that was 8 years ago and I had a business visa, now only one bank gave me an account without a WP, which is a joint one with my wife. Other banks won't do it without a wo, as they say on their websites. It's not clear yet whether this is a loc branch being helpful, and other branches in the capital being more strict, but either way, the app won't let me do anything with it.