Can joint account holders access funds without probate?

Joint account holders do not usually receive automatic access. Most banks freeze the account until the court appoints an administrator.

Some joint accounts operate on an ‘either to sign’ basis and may allow access once the death certificate is provided, although this is uncommon. Thai law does not recognise survivorship rights in the same way that some countries do. Probate often remains necessary for joint accounts, particularly for larger balances.