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Can I use my Social Security income to meet the financial requirements for a retirement visa in Thailand?

May 26, 2025
4 days ago
Paul ********
ORIGINAL POSTER
I’m hoping to move to Thailand this September from the usa. My income is more than $65,000 Baht all from Social security. Is my Social Security statement plus us bank account showing those auto deposits going to work for financial requirements? If not how do I proceed?
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TLDR : Answer Summary
The query revolves around the financial requirements for obtaining a retirement visa (Non-Immigrant O) in Thailand, specifically focusing on whether Social Security income can be used to meet these requirements. The majority of comments clarify that U.S. citizens cannot use their Social Security income as proof due to the absence of embassy certification, which means they must show a deposit of 800,000 THB in a Thai bank account for the first year's visa and subsequent extension. After the first year, they can then qualify using evidence of consistent monthly transfers of 65,000 THB into their account.
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.
Steve ***********
Don't use dollar sign and baht in the same amount. It's confusing, baht will be a higher figure.
Kim *********
Why would go opening put your income out there to the public without posting as an anonymous?
Peter ******
Why Thailand? Your are more then 20 years to late. sorry.
Tony ********
Talk to a visa agent in the area you want to live in. They can give you information . You might or might not use them . Make sure they are the real deal
Sherry *****
Don't listen to these people. Contact a Thai visa agent only. I am not trying to sell you on a particular agent, but the best and cheapest is Thai Visa Agency. You can text them and immediately respond. Good Luck!
Bob ********
Siam legal can answer any questions
Robert ********
Coming September, start your Visa, get your bank account transfer all of your funds.

You're not tax citizen that year. Okay, best thing you can do good luck. I did it not that bad you can do it yourself. Don't give up. It helps if you have a girlfriend or a wife to get the residency.
Anna *********
No you need to get O visa and open Thai bank acct and deposit 800k thb for the first year retirement extension. 65 k thb per month only works for the second extension
Wallace ******
Don’t use the $ sign when referring to baht.
Mac *********
Dang why so confusing?

I am married to a Thai woman, although married by zoom in US

Applied for K1 Visa and waiting?

Currently I’m back in the US but want to return to Thailand and wait out her US visa, so would me arriving on 60 day tourist, then do papers to be married in Thailand make my long term visa any easier? Thanks in advance?
John **********
One thing to consider that nobody has mentioned is the 12 month Non-OA visa. For this visa you can use your funds in the US, and if your careful you can get close to 2 years out of it (during which you can build up the 65k baht a month transfers). Only downside is it needs a police check and insurance
John **********
@Mac ********
married by zoom? Is that really a thing?
Frank **********
@Mac ********
married by Zoom, lolol.
Nongnuch ********
@Mac ********
for that, you need your marriage to be acknowledged inside Thailand. Several steps are needed - notarizing your U.S. marriage documents by either the Thai embassy in the USA, or by the US embassy in Bangkok, and co-legalized by the MfA in Bangkok. When applying for a "1-year extension of stay based on marriage" on Immigration, they want to see a freshly printed Kor Ror 2 marriage registry document from an Amphur office
Gary ********
Alternatively u can see an agent
Art *******
Panama and Mexico has an easier retirement process and very good healthcare options for old folks.
James ******
 Panama is Mexico is way too dangerous
Art *******
@James *****
your opinion of course. Stop watching cnn trash
Art *******
@James *****
your opinion of course. Stop watching cnn trash
Nongnuch ********
Well, there are several roads leading to the 90-days Non-Imm-O retirement visa and to the subsequent 1-year extended stay permit based on retirement

We are talking about the most common and persisting misunderstandings regarding the rules that come with applying for the “retirement visa” and the subsequent “one-year extension of stay permit based on retirement”. Misunderstandings happen because a “retirement visa” can mean 7 different visas and stay permits

The best way is to show up in Thailand on a 90-days single entry Non-Imm-O Retirement/over 50 visa” as it will get you a 90-days stay permit stamped. Within this period you have plenty of time to arrange for the application to the “1-year extended stay permit”

In order to apply for the “90-days single entry Non-Imm-O retirement visa” through the online E-visa system at the Royal Thai Embassy of your home country, you can use the proof of income of a monthly minimum of 65.000.- THB, by using your original pension or other income documentation.

Or you can use a deposit of a minimum of 800.000.- THB or the equivalent in your home country currency, or on your home bank account, or on a Thai bank, or just anywhere in the World – as long as it is in your sole name

However, for the application inside Thailand, for the “1-year extension of stay permit” out of the 90-days Non-Imm-O retirement visa, if you are a citizen of a country whose embassy in Thailand does not issue the “income affidavit any more (these are the embassies of USA, UK and Australia)

you would need a “12 months bank statement”, showing that for the past 12 months, you have been transferring from abroad to your Thai bank account a minimum of 65,000 THB, consecutively month for month

If your embassy still issues an affidavit of income, you can use this method for the financial proof, which needs a monthly income or pension of a minimum of 65,000 THB

For British, Australian and U.S. citizens, in the first year there is no other way around, than depositing a minimum of 800,000 THB in your Thai bank account and use this deposit for the financial proof which is required for the application to the “one year extension of stay permit based on being over 50/retired”

The alternative would be, if you don’t have that kind of money or are not willing to deposit in a Thai Bank account is, paying an agent to “arrange” the requirements, which I, however, do not recommend

As soon as you have accumulated the 12 consecutive months of 65,000 THB transfers year all you need to do is apply for the next 1year extension of the stay permit, using the 12- months bank statement to prove 12 months of transfers from abroad.

This application to a 1Year Extension costs a 1900 THB fee and you can theoretically do it all by yourself, or accept the help of an agent for the simplified legal service.

NOTE: It is income OR deposit.

However, there is a third method, called the “combination method”:

A combination mix of income and deposit. Some immigrations don’t allow the combination method in the first year.

And some Immigration want the deposit part to exceed 400,000 THB.

The combination method means that the sum of the deposit AND the monthly income exceeds 800,000 THB in one year.

But let’s continue with the “normal method” (visa issued in your home country, followed by the application to the 1-year Extension inside Thailand):

On the day of application to the 1-year extension, the 800,000 THB need to have “seasoned” in your account for two months, and this has to be proven with the “bank letter of guarantee” (rab roong thanakan).

After been issued the “1-year Extension of the Stay Permit based on Retirement”, the 800K need to remain in the account for 3 more months. After these 3 months, the deposit shall never go under 400,000 THB. And before you’re the application for the next “1-year Extension of Stay”, a minimum of 800,000 THB must have seasoned in the account for two months, again

On the day you get issued the “1-year extension of stay permit”, you should buy a re-entry permit for it.

A re-entry permit will keep your stay permit alive in case you exit Thailand before the expiry of the 1-year stay permit.

A single re-entry permit is 1000 THB on Immigration. A multi re-entry is 3800 THB. With a multi re-entry permit, you could exit and re-enter as many times as you wish during the whole stay permit period.

The “CHANGE OF VISA TYPE” on Immigration inside Thailand:

There is another road to the “1-year ‘Extension of Stay based on retirement”

You can arrive visa-exempt or on a 60 days single-entry Tourist Visa, you will get stamped in for a 60-days stay permit.

You visit Immigration and show them a bankbook with proof you got 800.000.- THB in sitting in your Thai bank account, and a proof that this money came from abroad.

You either had this bank account already organized during a previous holiday, or the bank account needs to be opened ASAP, and the money transferred from your abroad account onto your Thai bank account ASAP.

On a tourist visa or exempt-entry, you will most likely need an agent service to open the account for you.

As it is not possible to get a Thai bank account opened on a touristic entry since February 2025, when banking rules tightened, you will need to find an agent who has figured out a way to get around the rules by having secured a “deal” between Immigration, himself and the bank (these agents exist!)

You apply for the “change of visa type” from the touristic entry to a “90-days Non-Imm-O retirement visa”. The fee is 2000 THB

To be allowed to apply you need a minimum of 15 workdays left on your entry stamp. And you need to show a rental contract, at least on most Immigrations

They will issue the Non-Imm-O visa for 14 days “under consideration”

After this period, you pick up the 90-days Non-Imm-O visa stay permit stamp

From up to 30 days (in some places 45 days) before the 90-days stay permit expires, you can apply to the “1-year extension of stay based on retirement”. The fee is 1900 THB

The financial requirements for this application are the same as explained above.

You can find the requirements for the “change” when you google for “change of visa type immigration Thailand” and click on the number 9 in the list

Good Luck and a great time in Thailand
Gaoxing ************
@Nongnuch *******
very thorough, thanks 🙏
Ibrahim ****
@Nongnuch *******
Thanks for the details. I’ve been looking for months for the alternative US Citizen income verification!!! Thank you so much!!
Tom *******
@Nongnuch *******
this is incredibly comprehensive and I will copy and paste for future use. One question Khun Nongnuch - if you DO find that agent who can bypass opening a Thai bank account on a 60 day visa free entry… are you then being looked at suspiciously by immigration or am embassy because of taking advantage of this loophole? (Is this a stupid question? 555)
Nongnuch ********
@Tom ******
no. Once you have this bank account in your name, nobody will want to know or care how you achieved it. Or did you think it says on the frontpage of your bankbook "I was lucky my agent knew how to proceed" 😉😎
John *********
@Nongnuch *******
plenty of good information. Thank you
Basim *******
John ************
@Nongnuch *******
Very well explained. Thank you for your effort. 🙏
Tony **********
Not for year 1. You will need to show 800k in Thai bank account for your first extension. At your next extension you can show 12 conscetutve months of at least 65k into a Thai bank account.

The SSA statements of benefit don't mean anything to the Thai government.
Gaoxing ************
@Tony *********
apparently initially I had bogus information
Brandon ************
The only way to use income to qualify for the non-O or first 1-year extension is through embassy certification. The US embassy does not offer that, which means your income is irrelevant and you cannot use it. That means the only way for you to qualify for the initial non-O visa and first 1-year extension is going to be through showing 800,000 baht in the bank. You can use money in the US for the initial 90-day visa application with the embassy, but for the first 1-year extension in Thailand, you will have to show the money in a Thai bank account. That means you'll need to get the visa in the US, travel to Thailand and open a bank account, then transfer the funds for your extension. During this first year you can simultaneously transfer a minimum of 65,000 baht per month into your Thai account. Then for your 2nd year extension, you can show proof of 12 months of international transfers of 65k into your account as proof of income and you can stop using money in the bank. It will require a lot of planning to make it work, but it's the only option you have other than using an agent to "bypass" the financial requirements.
Charles ************
@Brandon ***********
I had 25 months of consecutive deposits of over $65,000 in Phuket and was refused. Immigration varies depending on location. Fact.
Brandon ************
@Charles ***********
Then that was for your first extension. Because Phuket accepts monthly international transfers from year 2 on.
Gaoxing ************
@Brandon ***********
thanks for the info, on my 2nd visa renewal
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