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Can I apply for a retirement extension in Thailand with a NON-O visa and a Thai bank balance of 800k immediately? Is insurance required?

Dec 28, 2025
2 days ago
newbier********
ORIGINAL POSTER
Hi, if I enter Thailand with a non O 90 day visa and already have 800k in a Thai bank, can I apply for a retirement extension right away? And is insurance required?
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TLDR : Answer Summary
You cannot apply for a retirement extension right away if you enter Thailand with a NON-O 90-day visa. Typically, you can only apply for an extension when you have 30 days or less left on your visa, or 45 days or less at certain offices like those in Chiang Mai, Bangkok, and Phuket. As for the 800k THB requirement, the money must be in your Thai bank account under your name for at least 2 months before applying for the extension. Insurance is not required for the retirement extension.
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Nigel ********
And it has to remain 3 months post extension and not fall below
*****
0 in months 4 to 10, and then back up to
*****
0 again prior to a further extension.

Thatโ€™s in most cases.

There are some people saying at certain banks the money has to be seasoned for longer periods.
newbier********
ORIGINAL POSTER
Forgot to mention, yes the money has been in the thai bank account for over two months already but it was transferred from my wife's account at the same branch and not from overseas. I presume from previous posts that the source of funds is not a problem.
Tod *********
๐—ฐ๐—ฎ๐—ป ๐—œ ๐—ฎ๐—ฝ๐—ฝ๐—น๐˜† ๐—ณ๐—ผ๐—ฟ ๐—ฎ ๐—ฟ๐—ฒ๐˜๐—ถ๐—ฟ๐—ฒ๐—บ๐—ฒ๐—ป๐˜ ๐—ฒ๐˜…๐˜๐—ฒ๐—ป๐˜€๐—ถ๐—ผ๐—ป ๐—ฟ๐—ถ๐—ด๐—ต๐˜ ๐—ฎ๐˜„๐—ฎ๐˜†?

Nope you cannot, at most offices you can apply for an extension when you have 30 days or less left on your 90 day stamp and at some offices (Chiang Mai, Bangkok, Phuket) you can apply for an extension when you have 45 days or less left on your stamp

๐—”๐—ป๐—ฑ ๐—ถ๐˜€ ๐—ถ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ฟ๐—ฒ๐—พ๐˜‚๐—ถ๐—ฟ๐—ฒ๐—ฑ?

No it is not a requirement

also remember you need to have the 800K in a thai bank account in your name only for 2 months before you apply for the yearly extension
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