What are the challenges with opening a Thai bank account using the DTV visa and QR code?

DTV and Thai bankaccount is incompatible.

To get a bankaccount, the badic requirements is a proper long term visa, not a touristvisa like DTV.

Add several months stay at a permanent Thaiadress on a long lease, regular easy traceable deposits, then there was a minimal chance of getting a Thai bankaccount, but even than has changed now, so it is practical impossibel for anybody to get a Thai bankaccount after the latest developments.

Banks in Thailand are like everywhere in the world, interested in having good stable custormers, that have a permanent address, a steady easy traceable income, and use the account all year round.

That is why the banks are reluctant to give accounts to people on short time ( read: tourist ) visas, and who only spend part of the year in Thailand.

Don’t expect to get a residence certificat, until you have stayed at a permanent adress in at least 3 month, since that is what the residence certificat should confirm.

Furthermore the added attention on whitewashing of money, is an added burden on the banks, so reluctant depositing large amounts isn’t a guaranteed way to open an account.

The value of a resident certificat, had gone down, since Immigration Officers are giving them to people that are not on a longterm visa, or have stayed severel months at 1 adress in Thailand, so even if it is a formal requirement, the bank make up their own assesment of the stability of the want-to-be customer.

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You can open account in deep pocket to pay by qr code for 399thb pre month

Bank employees can't get any information from scanning the QR code on a visa. It's for immigration officers to scan.

DTV is thought of as a type of tourist visa.

Tourist visas do not make you eligible for a bank account.

And getting one through an agent seems to have gotten fairly difficult if not impossible the last few days.

You can’t open a bank account on a tourist visa