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Can I qualify for a Thai retirement visa with a smaller deposit in combination with monthly income?

Sep 2, 2025
12 days ago
I have two questions to ask for advice.

Firstly, instead of making the THB800,000 deposit, can I have a combination of a smaller deposit and money coming into my account every month, or do I need both?

Secondly, is the money currently being deposited into your account on a monthly basis being taxed 10% yet as I have read previously,?

I have asked both of these questions to immigration agents and received no reply.

FYI. The monthly amount is in the form of a retirement fund and has already been taxed twice by my Government, I'm not wanting to get it taxed a third time.
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TLDR : Answer Summary
The user inquires if a combination of a smaller bank deposit and monthly income can satisfy the requirements for a Thai retirement visa, and whether the monthly income would be subject to a 10% tax. Responses indicate that the initial requirement for a non-O visa typically mandates an 800,000 THB deposit, although some offices might accept a combination for subsequent extensions. However, there seems to be a misunderstanding regarding the taxation of retirement income, as replies clarify that generally there is no tax on foreign retirement income unless specific conditions apply.
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.
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Phil ******
@Parker *******************
no income verification so฿800k in a bank here and no tax
Mark *******
There is no tax on money..unless you are eligible to pay tax at end of year. Most won't be.
Mark ********
Further to what Brandon says, no idea where you're getting this 10% tax nonsense from! Stop talking to agents. They spread so much misinformation
Brandon ************
The Australian embassy in Thailand does not provide income verification.

You can get the initial non-O visa based on whatever your embassy will accept, with money and proof of income from your country.

But once you arrive in Thailand, you only have 2 options for the first 1-year extension.

1) Proof of 800,000 baht in your Thai bank account

2) Embassy certified income.

Because your embassy does not offer income verification, your ONLY option for the first 1-year extension is 800,000 baht in your Thai bank account.

As far if your immigration office will accept a combination of money in the bank and proof of income, you would need to ask them. Some offices will accept it, some will not. But that's only an option for the 2nd year if they do accept it. And you'll need to start preparing as soon as you arrive in Thailand because you'll need to make monthly transfers to your Thai bank account to use as this "proof of income." If you can show 12 monthly transfers when you go to apply for the 2nd annual extension, that will count as income.
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