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K-Smart Note

​​​​​​​​​​​​​Higher return. Flexible repayment.

Returns linked to market parameters. Comes with prepayment option.​​

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Better chance of higher return than conventional investments.

With structured note — a derivative embedded investment issued by the bank offering returns linked to market parameters.


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Investment diversification.

Can respond to investor perspectives toward future interest rate movements with flexible repayment period.

Returns linked to interest rates movements

e.g. the 6-month THBFIX, average MLR

Returns linked to equity indices

e.g. SET50, Nikkei

Returns linked to asset classes

e.g. oil prices, precious metals, agricultural products


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Alternative tool for portfolio hedging and management.

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How to Apply

Qualifications
  • Offered to institutional investors, registered businesses, and high net worth investors, subject to Bank of Thailand regulations
  • The minimum required investment is 10 million baht, in multiples of 1 million baht
Required Documents

Thai Normal Persons

  • K-Smart Note Subscription Form
  • A certified true copy of a national ID card or other official identification card
  • A certified true copy of House Registration
  • A copy of the first page of the KBank deposit account

Minors (less than 15 years old), a parent (father or mother) must sign on the minor’s behalf

  • K-Smart Note Subscription Form
  • A certified true copy of the parent’s national ID card (father/mother/legal guardian)
  • A certified true copy of the minor’s house registration
 

Non-Resident Normal Persons

  • K-Smart Note Subscription Form
  • A certified true copy of a passport and/or work permit in Thailand

Juristic Persons Registered in Thailand

  • K-Smart Note Subscription Form
  • A copy of the commercial registration (less than 1 year old), certified true by the authorized signatory of the juristic persons and the company seal (if any)
  • Certified true copies of the national ID card, alien identification card, or passport (depending on circumstances) of the authorized signatory of the juristic persons
 

Businesses Registered in Other Countries

  • K-Smart Note Subscription Form
  • Copies of the business registration, company Memorandum of Association, regulations, and certification (less than 1 year old), certified true by the authorized signatory of the juristic persons and the company seal (if any)
  • Certified true copies of the passport of the authorized signatory of the juristic persons
 

Note: All documents must be signed and certified true copies.


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Frequently Asked Questions

Within how any years does the investor have the right to redeem early? Is there any prepayment fee ?

Generally, the investment cannot be redeemed prior to the agreed-upon date, except as stipulated in the K-Smart Note's terms and conditions. If an investor is allowed to redeem prematurely, there is no prepayment fee. If early redemption is necessary, however, the bank reserves the right to charge fees and expenses incurred by the bank due to the early redemption.

Can a K-Smart Note be purchased at any branch ?

The bank offers such notes via a customer relations officer or specified capital markets business line officers only. It is not generally offered at branches, since it is a product of the Office of the Securities and Exchange Commission (SEC). As the product is high risk, it is required that a person who is expert in financial products describe it in detail.


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