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Can I change from a free visa to a retirement visa while in Thailand, and is the process complicated?

May 4, 2025
2 days ago
Hello. Has anyone ever entered Thailand with a free visa and then changed to a retirement visa in Thailand? Is the process complicated?
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TLDR : Answer Summary
Entering Thailand on a free visa (or visa-exempt status) and later changing to a retirement visa is possible, though opinions vary on the complexity of the process. It is generally regarded as more complicated than obtaining a non-O visa prior to arrival. Key requirements include having a Thai bank account with 800,000 baht, which poses challenges as obtaining a bank account usually necessitates a long-term visa. Some expats reported a smoother experience when applying for the retirement visa in their home country instead.
NON-O RETIREMENT VISA RESOURCES / SERVICES
  • Go to the Retirement Visa Section for information on requirements, including age restrictions, financial requirements, and necessary documentation.
  • For immediate assistance, contact Thai Visa Centre directly via LINE at @ThaiVisaCentre or Email them.
  • Explore recent discussions by using the Non-O Retirement Visa tag in the search box at the top of the page.
  • Join the Thai Visa Advice Facebook Group to ask your questions, and get advice from others.
Nigel **************
It is not complicated provided you have a Thai bank account with
*****
0 baht in it when you apply. The biggest problem by far is the bank account.
Rok ********
Much easier to do it in home country. I tried to do it in Thailand but was so cumbersome (without an agent) that i have done it in home country instead and not used agent for in country extensions either.
Steven *******
There are no free visas. Do you mean visa-exempt (no visa)?
Simon ******
Yes I did it with an agent but I had my own money. Risky letting agents pay because you’re stuck with their rising fee each year
Gary ********
@Simon *****
rising fees!! I've been with the same agent for 4 years and it's still the same price
Todd *********
@Simon *****
their fee has barely risen in 5 years. And I’m making 8% on that money in Mexico. That’s 64,000 baht annually. The ‘risk’ is people leaving their money at .5% in Thailand. Thats pretty crazy
Sassan *****
@Todd ********
I recently enquired about it and got a 40k first year + 20k for renewal deal in BKK , and a 35K first year + 22K renewal deal in Pattaya region
Simon ******
@Todd ********
I had a friend who used agents money and went up 8,000 baht last year and he found it hard. I guess it a lucky dip.
Todd *********
@Simon *****
they can likely confirm it here, but I think
@THAI *****************************
has actually gone down this year
ณิชาภรณ์ ********
ORIGINAL POSTER
@Simon *****
I ask about this visa with agency. All say 55k for process even at Hua-hin and BKK . It same price.
Todd *********
@ณิชาภรณ์ *******
you didn’t ask enough. Simply message
@THAI *****************************
- this is their page
Stuart ***********
It's more complicated than getting a non O visa before you come to Thailand, as it's virtually impossible to open a bank account without a long term visa.
Stuart *********
Lots of people do this. The process isn’t complicated but you need to have a Thai bank account and 800k in it.
Incognia **********
@Stuart ********
having 800K isnt enough.Also this money should come from overseas and from your name
Gary ********
@Stuart ********
unless u use an agent then that's misinformation
Stuart *********
@Gary *******
what is misinformation?
Gary ********
@Stuart ********
u don't need to have all the money etc. I'm sending an agent. U didn't mention the agent option. So ur way is not the only option. Give all options please
Graham ******
@Gary *******
Stuart's way is the legal option
Wak ********
@Stuart ********
can the agents still get these for you? Please
Nongnuch ********
@Wak *******
some agents, after the tightening of bank rules in February 2025, have by now figured out a safe way to open a bank account even on a tourist visa or visa-exempt.

They however need the full cooperation of both Immigration and the bank in delaying the timely process of a "change of visa type".

Immigration allows them the application to the change without the existence of a Thai bank account.

The applicant will receive a receipt from Immigration for the 2000.- THB application fee, which says he is applying for the 90-days Non-Imm-O visa. The bank will accept this receipt as proof of the process in the issuance of a 90-days retirement visa, and will open a bank account for the applicant.

Right after, the applicant must transfer a minimum of 800,000 THB ASAP onto the account, and visit Immigration again with the bank statement that the 800K deposit now sits in the account. Only then, Immigration will stamp the 90-days Non-Imm-O visa as "under consideration" for 14 days. After this waiting period, the visa itself gets stamped, and as soon as the 800,000 THB have seasoned in the account for 2 months, an application to the 1-year Extension of Stay Permit can be made
Todd *********
@Wak *******
yes - of course
Chris *******
@Wak *******
even very well connected agents cannot get bank accounts for tourists right now.
Wak ********
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