Can I convert a tourist visa to a retirement visa based on marriage without a bank deposit in Thailand?

Aug 6, 2022
2 years ago
Bill *********
ORIGINAL POSTER
Advice please. I have a Thai wife. We recently married in the US and she resides in Thailand. I am over 50 and once our marriage is registered I can be put on her health insurance at PEA. I am going to be returning soon and we will register our marriage in BKK. Can I come to Thailand on a tourist visa and then convert to a 1-year retirement visa based on marriage WITHOUT having to put the required deposit in a Thai bank until my visa expires? If not, how can I come to Thailand for 1 year without putting the deposit in a Thai bank? I think I heard I can apply for the visa in the US without the required deposit. If I have to put the money in a Thai bank can I remove it when I return to the US and start the process all over again? I am just going to Thailand to help her prepare to come to the US. Eventually she will move to the US but we don't know exactly when. TIA!
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TLDR : Answer Summary
The user is seeking guidance on obtaining a long-term visa to stay in Thailand with their Thai wife without the necessity of depositing money in a Thai bank account. Various options were discussed, including the OA visa which may allow proof of funds in a home country, as well as the Non-O visa which can be applied for based on marriage and requires the deposit only after arriving in Thailand. Comments emphasize the importance of understanding the specific visa requirements and the potential need to consult with an agent for assistance, particularly regarding the complexities of converting visas once in Thailand.
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Bill *********
ORIGINAL POSTER
So it sounds like I cannot get around the fact that I need to have 400,000B in a Thai bank account based on marriage unless I apply in the US and show proof of assets. But, if I want to stay in Thailand longer than 1 year, I must deposit 400,000B in a Thai bank. Bottom line, I can meet all the requirements, it just depends on if I want to apply in the US or in Thailand. Correct?
Paul *******
@Bill ********
Easier to apply in the USA but you may be required to leave the country every 90 days as I don't think there is a true 12 month marriage visa offered outside of the country. They call it a 12-month marriage visa (which is what it is) but you can only spend 90 days at a time, unless you get a 60 day extension (which can be done on each entry) though that's usually more trouble than it's worth I find. Easier to leave the country and come back the same day on a border run (sometimes referred to as a visa run, even though you're using the same visa) than bother with the 60 day extension, which requires the presence of your wife, payment of a 1900 Baht fee (going to the border and back often costs less than this, including the visa fee, if any, on the other side).

You could also use an agent for the extension, which avoids you having to deposit the funds yourself. Seek out the right agent (some are dodgy) but if you ever need to change to a different visa, you'd want to leave the country first and then come back with a fresh visa, rather than doing a conversion as that may not be allowed. This includes transferring to a different office and doing the extension yourself, after a year or two of being on agent assisted extensions.

A lot depends on your lifestyle and whether you'll be doing much traveling.
Kool *******
@Bill ********
do not forget that with a type O Thai wife extension you can work in Thailand, and get a work permit, then another financial solution is that you make more than bt40,000 each, and every month for the year working, and paying Thai income tax on.
Gary *********
Company name
David ***********
You don't have to be married for a retirement Visa, you can get a marriage which you need less income but it's a lot of paper work involved
Dave *********
What is PEA insurance and how is she able to add you??
Rob ********
Ya mate, just come to Thailand on tourist visa and as soon as you get to Thailand go see a agent and get a mon 0 visa they do everything for you.

Just give them your passport and they take you to immigration and take photo take you to a bank and take photo and open a bank account, they put the 800k in your account for immigration and then take out again and leave about $500b in your account that you can spend .

In about two to three weeks you go back and get your passport and visa stapled inside.

I am so glad I used a agent no stress and super easy
Jim ********
Listen to what John Stannners wrote.
Gary *********
This is a simple process in your home country.2 Visa application forms + 2 fotos.Investment info or bank statements showing you are not destitute.A letter from Thai wife inviting you to visit or accompany her to Thailand Copy of her passport and Thai ID card .If u own property in Thailand appropriate paperwork .1 year multple entry O visa fee + your passport sent to Thai embassy and either copy or original marriage cert which is returned with passort when visa is issued.
Gary *********
Takes about an hour and cost is 270NZ$ in my country + self addresed courier pack
Bill *********
ORIGINAL POSTER
@Gary ********
have any idea how long this takes and the cost?
Riaan **********
@Gary ********
how does a foreigner own property in Thailand, except for a condo, which is not really property?
William *******
You can apply for 1 year non OA and show you have proof of 65k income each month. You do not need to have 800k deposit.
Ian *********
im in a similar situation, can you explain more about being added to your wife's insurance I'm interested if I have that option rather than taking out insurance alone

Thanx
Terary **********
I am going through the marriage visa process currently. It's a freaking nightmare. I would only recommend a marriage visa if you will not be traveling for 4-6 months. However, if you have time patience and no plans of going anywhere, it maybe an option for you.
John **********
Retirement visa is not based on marriage, you'd be getting a visa as being married to a Thai (although you can get a retirement visa if you wish, it's less onerous documentation wise but more onerous financially).

You could look at getting a Non-O 90 day visa for being married to a Thai in your home country, when you arrive in Thailand extend that for 12 months by putting 400k baht into a bank account in your name. Once you've obtained the extension you can do what you like with the 400k. Or you could just come in on a tourist visa and obtain the 90 day Non-O inside Thailand
Brett **********
What kind of age are you Bill? If early 50s you can get one years health insurance for the o-a visa for about $500 (with quite a hefty excess if you actually want to use it) but the older your are the heftier the premium is
Bill *********
ORIGINAL POSTER
I failed to mention I am 58. But I should state, once our marriage is recorded I will be put on my wife's insurance with PEA.
Jo **********
@Bill ********
sPEA is the public electric authority of Thailand they are going to give you health insurance?
Bill *********
ORIGINAL POSTER
@Jo *********
through my wife. She works at here.
Kevin **********
@Jo *********
that's what I was wondering
Brett **********
@Bill ********
shouldn't be too much higher then. Check out misterprakan.com brokers for your O-A insurance options. Somebody mentioned the other day that you may be able to use a policy for from your home country that would be suitable but the ones on the above site are guaranteed to be acceptable
Brett **********
When you enter on an O-A they will only stamp you in for as long as your health insurance is valid for (up to 1 year from entry). Most are one year policies I believe. If you know it will only be a few months before you'll be covered by your wife's insurance then you could go with Tune insurance which does monthly, however I think thats closer to $100 a month and you'll also have the expense of departing a d re-entering with the new policy so may not work out at any cost saving. If you're going to be covered from your wife's then just go for that hefty excess policy and think of it more as a fee for not having to tie up
*****
0 baht for 2 years
Brandon ************
@Brett *********
most consulates will not issue the OA visa without you providing a full year policy
Bill *********
ORIGINAL POSTER
@Brandon ***********
and I assume this policy must be accepted in Thailand. So no Medicare or Medicaid or US health policies?
Brandon ************
@Bill ********
whatever the consulate will accept. But the policy will need to cover you while you're in Thailand.
Bill *********
ORIGINAL POSTER
@Brandon ***********
Ah, most domestic policies will not cover you in a foreign land.
Brandon ************
Brandon ************
No, what you stated is incorrect.

You have a few options.

If you absolutely do not want to deposit money in Thailand, you can see if your consulate in the US issues the OA visa.

This visa is a 1 year multi-entry visa that generally only requires proof of the required funds in an account in your home country, and not in Thailand. This visa has a high insurance requirement and also requires things like medical clearance and possibly criminal records check, etc. But once you have this visa, each time you enter Thailand until the expiration date of the visa (1 year from when it is issued), you will be stamped into Thailand for 1 year, or as long as your insurance is valid. So if you leave Thailand right before the expiration date and re-enter with another year of insurance, you'll basically get 2 years out of it. But it's not always possible to get this visa in some countries or through some consulates.

You could also see if you can apply for a 1 year, multiple entry Non-O visa from either your home country, or from a country neighboring Thailand. I believe at least one neighboring country issues these. You would apply on the basis of marriage, and what this does is give you 90 days inside Thailand each time you enter. Then after 90 days you would need to leave and re-enter the country. You could get about 15 months out of this visa but you'd have to leave and re-enter Thailand every 90 days.

If you use the traditional Non-O visa, the simplest method without any insurance requirements has you travel to Thailand either visa exempt or on a tourist visa. While there you would open up a bank account and transfer the required money, either 400,000b for marriage or 800,000b for retirement, and then once you have the money in your account you would apply to convert to 90 day Non-O (marriage or retirement). Once you have had this for 2 months you could then apply for the 1 year extension based on either marriage or retirement with the required money in your account.

There is no free 1 year no strings attached conversion inside Thailand like you stated.
Steve *******
@Brandon ***********
Thai Consulate in Savannakhet, Laos issues Non Imm O multiple entry based on marriage without finances. The OP can get around 17 months from the visa by applying for a 60 days 'visit family' extention of stay on his last entry.
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