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Can I use a money market account to meet the 800k baht visa requirement in Thailand?

800k visa requirement Thai financial products money market accounts Fixed Deposit Accounts visa regulations immigration rules expat banking in Thailand

Dec 21, 2025

3 days ago

Hi quick question..

Many financial products work like a checking account here in the states... are there money market or a different local thai equivalent  that you could use to satisfy the 800k baht visa requirement..

I can't understand why the thai government doesn't just offer a 10 or 20 year cd that would fulfill the requirement..

Thanks

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TLDR : Answer Summary

The post discusses whether financial products akin to money market accounts can be utilized to satisfy the 800,000 baht financial requirement for a Thai visa. Several comments suggest that Thai banks offer Fixed Deposit Accounts with up to 2% interest, and there's a proposal to use a fintech account like True Money as an alternative method for proof of income. Additionally, some comments reflect on the reasoning behind the 800k requirement, which is intended for potential medical emergencies or repatriation, criticizing a lack of long-term savings products from the government.

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Michael ********

The reasoning behind the 800k is its to be used for medical emergencies and/or repatriation.

Would be nice though to be in goverment savings account where they have monthly draws

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Steve ********

ORIGINAL POSTER

Sure.. a thai government bond that allowed an early redemption and payout to any thai hospital/ medical services

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Michael ********

yes they missing out there

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Michael ********

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William ***********

So I believe I have come up with a work around to the Thai bank account problem. Open a Thai fintech account like True Money. Deposit 65k every month via international transfer into the True Money account. I don’t see anywhere where it says that 65k monthly has to go into an actual bank. It just states you need to show proof of 65k in income.

Heck I don’t see why you couldn’t deposit 800k and use that also. To my mind True Money and similar apps are banks. Just a modern version.

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Ally ************

@William **********

Just wondering what 'deposit protection' scheme covers a True Money account 🤔

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John **********

@William **********

reality is immigration want to see that money in a bank account transfered from overseas

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William ***********

@John *********

but what is the definition of that bank account. I have an account with a western fintech company called Revolut. It is considered a bank account. Is True Money classified as a bank account. You deposit money that is held in Thailand. I think this will actually work as a work around. I don’t need to do it so I won’t be the test dummy.

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John **********

@William **********

a Thai bank account of course.

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William ***********

@John *********

but true money is a bank account. It accepts international transfers, you store your money there , you can spend it on a debit card or QR code just like any other Thai bank. It’s just a modern bank without physical bank tellers.

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John **********

@William **********

I doubt it would be acceptable. Can they provide a letter to immigration certifying your deposits and bank statements for 12 months?

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John **********

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Gregory *********

If they let you hold your

*****

0 as gold would be nice. A friend of mine commented that the price of gold has tripled since he stuck his 800k into Thailand.

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Brook ********

You can earn as much as 2% interest. Shop around between the banks for a Fixed Deposit Account, but first make sure it’s ok with your local immigration office.

I know it’s acceptable in Chiang Mai. I haven’t heard of any office where it’s not allowed because the money is immediately accessible.

I believe the banks hold some of the money in reserve and invest some in US Treasury Bills.

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David ******

Inflation is negative in Thailand. Extremely weak demand. Interest rates are being cut to drive up the economy. I have no idea where high yield accounts from the banks would come from. As a matter of fact I need to pay the bank a yearly fee with my account. 🤣.

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David *****

That’s a good idea. Seems like a good way for the government to guarantee the money stays put.

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Mark *********

You will never understand the various Thai governments. No one can.

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Nickna******

yep. "You will never understand" is not a knock on anyone's intelligence

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Nickna******

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Brandon ************

Because the government does not offer methods of financial investments.

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Steve ********

ORIGINAL POSTER

Sorry i meant a bond.. seems like a no brainer to create an immigration bond

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Greg ***********

Thailand only issues temporary stay permits for foreigners (except when applying for the "Permanent Residency"). And the key to receive such a permit is that you must prove you can always support yourself. This is simply done with money in a Thai bank which you can access immediately when in an emergency situation. Now this is the simple explanation you were searching for 🙂

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Dan ********

I think they do

It pays a little over 1%

Not worth it

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Nickna******

actually does, offer solution to government?

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Nickna******

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