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Can I deposit more than 800,000 baht in my Thai bank account while on a non-O visa and still meet immigration requirements?
Thai visaNON-O Visa800,000 Baht requirementRetirement visabank account regulations in Thailandimmigration requirementsfinancial requirements for visa extension
Jul 28, 2025
9 months ago
Jeremy *********
ORIGINAL POSTERThis may be a silly question
When opening a Thai bank on a non o visa in readiness for the 1 year retirement visa can you deposit more than the required 800 K baht ? If so , can I take out money for day to day living expenses but still have the 800 K in the bank and not be penalised by immigration when the time comes for the yearly application extension. Thankyou
When opening a Thai bank on a non o visa in readiness for the 1 year retirement visa can you deposit more than the required 800 K baht ? If so , can I take out money for day to day living expenses but still have the 800 K in the bank and not be penalised by immigration when the time comes for the yearly application extension. Thankyou
TLDR : Answer Summary
Yes, you can deposit more than the required 800,000 baht in your Thai bank account while on a non-O visa. It is permissible to withdraw money for daily living expenses as long as the necessary amount remains in the account at the time of your visa application extension. It's often advised to maintain two separate accounts: one for the 800,000 baht and another for daily transactions. Importantly, to meet immigration regulations, the account balance must not dip below 800,000 baht during the critical months leading up to the visa renewal application.
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.
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Karin ********
Got only one- Immigration patiently looked trough all my statements.
Alan ********
If you use must have the
*****
0 back in account 4 months prior to renewal for the full timeGraham *****
Good shout I do the same
Kevin ******
So it is a silly question lol (5555)
Bob **********
Yes
Marty *********
I had one bank account with 800,000฿ + 400,000฿ (emergency funds) + I topped it with monthly expense money. I did this for 6 years before getting my LTR.
Laurie ******
That's what I do
John **********
The 800k baht is a minimum requirement. Everyone is going to need more as the 800k has to stay in the account for 5 months, 2 months before, 3 months after and not below 400k the rest of the year
Ton *********
@John *********
to be on the safe side, I do 3 months before and 3 months after my visa expires, since Immigration change things many times.. Afterthat you can go till 400K. At Immigration they will check every month. I just got my visa renewed.John **********
@Ton ********
my immigration office allows 2 months before for the 1st extension but wants 3 months before for subsequent extensions. They all have their idiosyncrasies so its always best to check, but 2 months is the official periodReply to
John **********
Reply
Mike ********
Don't need proof of overseas funding for the 800k
Timothy ****************
Hi I believe it’s only 2 months , I had everything in please in one week , now enjoying Thailand , Non O is only 90 days
Jeremy *********
ORIGINAL POSTERThanks for your input
Max *************
@Jeremy ********
You can also park your 800k in a Fixed Deposit Account. It's accepted at immigration. You'll also get a better interest rate. I have my money for immigration in an FDA at Bangkok Bank.Bob **********
@Max ************
your money has to accessible at all timesMax *************
@Bob *********
Yes,and it is.Thats how FDA's works in Thailand.But you never withdraw money from an FDA.Reply to
Max *************
Reply
Peter **********
yep, but dont slip below 800k any time in the 3 months before applying
Max *************
@Peter *********
It's 2 months before and 3 months after.Glenn *****
@Max ************
BBL is now apparently requiring 4 months to give a statement for extensions.Max *************
@Glenn ****
No,4 months to get a bank letter. Not a bank statement. It doesn't affect me. My money has been there a long time.Reply to
Max *************
Reply
Thomas *******
@Max ************
Nong Khai is 3 months before per their handout.Max *************
@Thomas ******
That's one province out of 77.Thomas *******
@Max ************
that's important information to have when that's the immigration office you work with though.Max *************
@Thomas ******
You do,but officially it's 2 months. Nong Khai isn't exactly mentioned a lot in posts here in this group.Reply to
Max *************
Reply
Jack ********
I use True Money for daily transactions. Supports scanning just like a bank app and you can pay at 7-11 as well. Keeps the bank account relatively clean for immigration
Kieran *******
Of course
Peter *********
Yes
Lynnette *******
It's the 800,000 that you need. Obviously if you don't touch it you'll be ok.
Paul *******
Yes. But, personally, I find it easier to have two seperate bank accounts. I keep the 800,000 thb in one account and leave it there. I have a second bank account that I use for my day to day transactions.
Jeremy *********
ORIGINAL POSTER@Paul ******
are the accounts at two separate banks or with same bank ?Stuart ***********
After the first year, if you can show 12 monthly deposits of 65,000 you can change to that method, but you still need to satisfy the requirements for the first year, so I think you need to wait 3 months to withdraw the 800,000. Not done it yet, I plan to do it in a few months, so double check with your immigration when you extend.
Stuart ***********
@Jeremy ********
up to you, can be either.Reply to
Stuart ***********
Reply
Melissa *********
@Paul ******
same for me. So much cleanerGerg **********
@Paul ******
Same here. It’s just so much less convoluted when showing your bank statement at immigration time.Ken ********
@Paul ******
the one with 800k in, do you get yearly bank charges at all, could it drop below 800k without your knowledge.Billy **********
@Ken *******
one would think the interest paid by the bank on the 800k would at least pay the bank fees… 🙈Ken ********
@Billy *********
totally agree with yer. I was just asking for others, so they know you kneed 8k and a bit, just in case.Stuart ***********
@Billy *********
over a period of time the interest will, but if you deposit exactly 800k, after a monthly charge (I forget how much it is, but even 20 baht) would drop him below the 800k required and then he's starting the visa process again.Tracey ********
@Stuart **********
so if you drop below the 800,000 bhat at anytime, do you have to start the process again, or can you drop below 800,00 bhat but make sure you top it up before renewing?Stuart ***********
@Tracey *******
you can withdraw up to 400,000 after 3 months (if I remember correctly) and then top it up again 2 months before your next extension. So if your balance dropped below 800k 1 month after you extend (even a small amount), you would not qualify for an extension the following year.Timothy ****************
@Stuart **********
, hi so 2months before you go back to immigration, then 3months after ,then can use 400,000 , can you then show 12 monthly deposits from your super of 65,000 for your next extension as long as doesn’t drop below 400,000 or have to top it back up to 800,000 . I was hoping this is correctReply to
Timothy ****************
Reply
Stuart ***********
@Ken *******
I have 2 accounts as Paul suggested and to answer your question yes you do have some bank charges, so always keep an additional 1 or 2 thousand in the account, so that it never drops below 800k.Ken ********
@Stuart **********
that's what I wanted to hear Stuart, thanks. Very helpful for newcomers to know this.Reply to
Ken ********
Reply
Stuart *********
Yes you can. You could have over 10m in the account and spend at will. Immigration only want to see that you have at least 800k at the time of application.
Max *************
@Stuart ********
Those 800k has to be in his account 2 months prior to the day he applies for the 1 year extension.Abey *********
@Stuart ********
Don’t they want to know where the money originated from?Jeremy *********
ORIGINAL POSTER@Abey ********
it's not a problem. All of my money is traceable through HMRC in UK and my accountant.Abey *********
@Jeremy ********
Lucky you sir.Reply to
Abey *********
Reply
Stuart *********
@Abey ********
Depends on the office. Some will require proof of an international transfer. Some don’t care as long as the amount is 800k or more.Reply to
Stuart *********
Reply
Malcolm *******
Yes
Reply to
Malcolm *******
Reply
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