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Unanswereda month ago

Can I use monthly transfers to apply for a retirement extension in Thailand?

Tim *******
asked Oct 11, 2026
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I lost my retirement extension last year when the Canadian embassy stopped issuing income letters. I immediately started making 65,000 baht transfers every month. I used visa exempt to remain in Thailand for the winter and returned to Canada in springtime. I have kept up my transfers the entire time.

Now I have a 90 day non-O and will return to Thailand next week. Can I just continue my transfers each month and then get my extension in January based on 12 months of transfers?

Thanks in advance.
Summary so far
The user is uncertain if they can use twelve months of monthly transfers of 65,000 baht each to qualify for a Non-O visa retirement extension in Thailand after having lost their previous extension. The comments indicate that initially, this method may not work and emphasize the requirement of having 800,000 baht in a Thai bank account for at least two months prior to the application. It is recommended to consult with immigration office for specific advice.
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Chun ****
It would be considered a new application and the
*****
method doesn't work! Has to have
*****
0 in thai bank for 2 months begore application
Gary ***********
Not for the first year's extension
Richard *********
Just transfer 800,000. And leave it in a completely separate bank account. Never touch it.
Kilian ******
Can you not just park 800K THB untuched on a thai Bank? There are still other things they can invent to refuse you tough. I will probably lose my Non O Child and I do not even know why. The system is rigged.
Kilian ******
Kilian ******
Can you not just park 800K THB untuched on a thai Bank?

There are still other things they can invent to refuse you tough.

I will probably lose my Non O Child and I do not even know why. The system is rigged.
Gary ***********
Gary ***********
Not for the first year's extension
Chun ****
Chun ****
It would be considered a new application and the
*****
method doesn't work! Has to have
*****
0 in thai bank for 2 months begore application
Richard *********
Richard *********
Just transfer 800,000. And leave it in a completely separate bank account. Never touch it.
Tod *********
Unless I am greatly mistaken, even if you have 12 months of 65K baht a month incoming transfers, nope you can't get that first year extension using monthly income. As a general rule all the transfers have to be on the same entry/visa type, and yours are on free stamp / visa exempt entries. Most immigration offices will not accept a previous 12 months of incoming transfers on anything other than a Non-O visa/extension.. GO to your immigration office and ask them; show them your passport, take the print out from your bank showing the transfers for the previous year, see what they say AND do it as SOON as you return to thailand, because if you can't use those transfers the only way you're going to get an extension would be to bank 800K for 2 months before you apply for the year extension.
Dave *********
To be safe can u still transfer 800,000 baht into your account? Then u continue transferring 65k baht each month. Or top it off as soon as u get here in Thailand to have at least 800,000 baht? But in January the extension would prob have be based on the 800,000 baht. It would need to be in the account 2 months prior to applying for the extension. The second year transfer could then be used for the 65k baht monthly method as long as u had 12 monthly consecutive transfers OR just leave 800k baht in the account and do it w the lump sum method.
Cool_Ba********
No. You need 800k in a Thai bank.
Dave *********
Dave *********
To be safe can u still transfer 800,000 baht into your account? Then u continue transferring 65k baht each month. Or top it off as soon as u get here in Thailand to have at least 800,000 baht?

But in January the extension would prob have be based on the 800,000 baht. It would need to be in the account 2 months prior to applying for the extension.

The second year transfer could then be used for the 65k baht monthly method as long as u had 12 monthly consecutive transfers OR just leave 800k baht in the account and do it w the lump sum method.
Tim *******
Tim *******
OP
Thanks for your response. I will transfer the 800,000 if necessary.
Wannikea *********
Wannikea *********
Tim Gates the 800k has to be seasoned for 2 months before you apply for the extension, not 2 months before your actual extension renewal date.
Tim *******
Tim *******
OP
@Tod ********
Thanks for that. I sort of realized after I posted that it would have to be in a different account. Problem is, my main account with transfers for the last year is with K bank. My other account is Krungthai and transferring there will take 16 transfers as they are limited to 50,000 per.
Tod *********
Tod *********
@Tim ******
if you have a different account dump the 800K in there, that way you can show them the 12 months of transfers on the primary account and if that doesn't fly you can use the other account with the 800K in it

If you have the 800K in the same account they'll use it as proof of funds automatically, and not even use the monthly transfer method (even if you have 12 months of transfers)
Tim *******
Tim *******
OP
Wannikea Wanblee Thanks for that. I'm thinking I'll just transfer the money now so if the 65,000 per month doesn't work I'll be OK. After all, I can always just spend it-haha.
Dave *********
Dave *********
Tim Gates it’s gotta be in your account at least 2 months prior.

Not sure when u can withdraw the total amount back out though. It’s complicated now that you are gonna use the monthly method. Maybe ask the question when u go to get your extension in January. Some places want to see both when u switch from one method to the other. But I’ll bet the immigration officer can tell u precisely how long it needs to be in the account since you already will have one year in your account come January. You might even get lucky and they approve the monthly since that’s what u did in the past BUT u gotta cover all butt to make sure u get qualified in January and get your extension otherwise u may have to restart the 90 day process again.
James ********
James ********
@Dave ********
You have to meet the full 12 months of bank account balances as required for the one year extension of stay. During that same one year, transfer 65k baht monthly into the Thai bank account in your name ONLY.
Cool_Ba********
Cool_Ba********
No. You need 800k in a Thai bank.
Tod *********
Tod *********
Unless I am greatly mistaken, even if you have 12 months of 65K baht a month incoming transfers, nope you can't get that first year extension using monthly income. :/

As a general rule all the transfers have to be on the same entry/visa type, and yours are on free stamp / visa exempt entries. Most immigration offices will not accept a previous 12 months of incoming transfers on anything other than a Non-O visa/extension..

GO to your immigration office and ask them; show them your passport, take the print out from your bank showing the transfers for the previous year, see what they say

AND

do it as SOON as you return to thailand, because if you can't use those transfers the only way you're going to get an extension would be to bank 800K for 2 months before you apply for the year extension.
Vin *******
Vin *******
@Tod ********
Or come in on a Non O A visa from Canada.
James ********
James ********
@Vin ******
wise advice ✅
Tim *******
Tim *******
OP
@Tod ********
Thanks for responding. I always appreciate your good advice. I deal with one of the friendliest offices in Thailand-Hat Yai, so we'll see what they say when I return. And I'll post the outcome here.
Sean *************
Sean *************
@Tod ********
I have been able to do it at least twice. Often working overseas, the monthly transfers never stop.

Immigration was happy to give me a 60 family visit, changed to a non O, then an annual extension even without the embassy letter (the last part we know, but just saying).

During Covid I had to incentivize before switching to non O, but the first year annual extension based on continuous transfers was accepted. YMMV
Tim *******
Tim *******
OP
Sean M Ulvihill Thanks for that info Sean. Maybe I'll get lucky!

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