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Can I use Social Security deposit records to meet the income requirement for a Thai Non-Immigrant Retirement Visa?

Jul 8, 2025
7 days ago
Eric *******
ORIGINAL POSTER
I am in the process of doing the Thai non-immigrant retirement visa O. The guides that I have read (Siam Legal, Thai Embassy- Los Angeles) says that you can EITHER have a deposit of 800,000 baht for two months in a thai bank or show proof of 65,000 pension income. If I choose the latter, will they accept twelve months of deposit records of my social security to my US bank account (or will they accept a social security benefit statement) as proof of the income? Or, do I have to have the 65,000 baht deposited monthly to a thai bank and can only use the 65,000 baht requirement once I have been in the country and made twelve monthly deposits to a Thai bank? In other words, do I have to maintain 800,000 baht in a thai bank account for the first year then I can switch to the 65,000 baht income scheme?

My thanks for any serious responses to my question.
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TLDR : Answer Summary
The user is seeking clarification on the financial requirements for a Thai Non-Immigrant Retirement Visa O. They ask if proof of Social Security income from their US bank account can be used to meet the 65,000 baht monthly income requirement, or if they must maintain an 800,000 baht deposit in a Thai bank account for the first year. Responses clarify that initially, as a US citizen, they must meet the 800,000 baht requirement, as the embassy does not provide income verification. After a year of residency and establishing a Thai bank account, they can switch to the income method if they adhere to transfer requirements. Discussions also highlight the differences between the Non-O and Non-OA visas and the importance of understanding immigration rules.
NON-O RETIREMENT VISA RESOURCES / SERVICES
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  • Explore recent discussions by using the Non-O Retirement Visa tag in the search box at the top of the page.
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Dwayne ********
See you received your answer, just adding if from Los Angeles & over 50, you might want to pack that atuff that you cant get here (or very few can get online but very expensive with the import fees)…. Like Ibuprofen, Extra Strength headache caplets, quality brand vitamins in high dosages, Pepto-Bismal, Tums, Alka-Seltzer, (if smoke) real cigarettes, coffee beans, and stock up your medications. Lots of people say everything is here, its a lie. I go back & restock next year including couple boxes of my favorite cereal - unfortunately Thailand is all monopolies & tired of Kelloggs flakes.
Ian *******
There's a lot of nasty people on this site, especially Americans
Alan ******
Brandon Thurkettle above has the correct answer to your question.
Jon ******
Pay the extra for multi entry at your embassy that way your able to travel problem free.
Eric *******
ORIGINAL POSTER
@Jon *****
always buy the flexibility.
Graham ******
@Jon *****
the multi-entry retirement option is the Non-OA but has extra requirements as stated above not just cost
Jon ******
@Graham *****
I contacted my local Thai embassy "Boston" and was told I could pay for multi entry on a non-o or non-oa visa the latter requires a bit more like health insurance.
Graham ******
@Jon *****
the Non-O is 90 day single entry
Jon ******
@Graham *****
just going by what I was told, seems every immigration office, officers and embassies go off script
Graham ******
@Jon *****
all Embassy visas are now on the eVisa system and there is no way to apply for a multi-entry Non-O online
Jon ******
@Graham *****
again I spoke with a immigration officer because I live in South Boston I haven't looked at the e visa online. I will scroll through the e visa online when I get a chance I just mentioned what had been told to me awhile back and considering how fast things change in Thai immigration rules I'm not doubting what you have said.
Graham ******
Thai Immigration under the Ministry of the Interior only issue Visas from inside Thailand, outside it is the Embassies who come under the Ministry of Foreign Affairs, two different government bodies.
Eric *******
ORIGINAL POSTER
Excellent guidance. Thank you all so much.
Brian *********
@Eric ******
after that first year there are ways to use things like wise to mark a 65,000 baht transfer monthly as international and go from there.

Critical part is establishing a Thai bank account (not easy lately) and you still have the alternative of the OA and you will not need to keep your money in a Thai bank, just show a balance in a US account. More paperwork, required insurance but otherwise cheaper and safer for your first couple of years. What I did. 👌
Eric *******
ORIGINAL POSTER
@Brian ********
for the OA a balance equal to 800k baht? I didn’t realize this distinction between the O and the OA. I’d be more comfortable with my money in a US bank and will get health insurance regardless. Does the OA require a criminal background check/history report?
Brian *********
@Eric ******
Yes, a background verification letter from California Dept of Justice (it's easy), there's a vaccination part (that is stupid, my doctor's words). Insurance I used LMG. Was under $400 for a year.

No credit check / history.

I as a residual accrued interest from my bank on the same money that would have been sitting in a Thai bank rotting away. Almost enough to pay my rent. ;)
Graham ******
@Eric ******
yes it does
Bigd **********
Since tge OA is applied for outside Thailand . . .
Wayne *********
@Bigd *********
they are applying for Non O, did not mention the OA. two different things and requirements.
Greg ***********
Note*** as a U.S. American citizen you can't use the income or the combination method in the first year because your U.S. embassy won't issue an affidavit of income
Greg ***********
@Eric ******
How to get from the “single entry 90-days Non-Imm-O retirement visa” to the 1-year extension of the stay permit, which most people refer to as being the “retirement visa” (which actually is not a visa but a stay permit)

You apply to the “90 days single entry Non-Imm-O retirement visa” by the E-Visa online system of the Thai embassy /consulate in your home country. You will need to fulfill the requirements that are listed for this visa

The visa will be mailed to you as a .pdf document, which you need to print out, in order to show it to the Immigration officer when entering Thailand

When you enter Thailand with a 90-day non-Imm-O retirement visa, you will receive a stamp that says “admitted stay until” and a date given in blue ink. This stamp is a 90-days stay permit.

Since November 1, 2023, the financial proof for applying for a visa in the online e-visa system in most countries must either be evidence of a balance of the equivalent of 800,000 THB (approx. 21,500 USD or Euro) in your bank account,

OR

a proof of income at least the equivalent of 65,000 THB (approx. 1840 Euros).

For the application to the initial 90-days Non-O retirement visa, it doesn’t matter where the account is located. The most important is that the documents you upload to the application show that the account is in your sole name

You enter with the 90-day single entry Non-Imm-O retirement visa, and will receive a 90-days stay permit

As soon as 30 days (45 days in Bangkok and Chiang Mai) are left from the initial 90-days stay permit, you can apply for the “1-year extension of the stay permit based on retirement” (EOS)

Most people call the EOS a “retirement visa” and Immigration calls it a “visa extension”, although they do not extend any visa but just extend a stay permit. It can be a bit confusing regarding this technically wrong terminology

You will need to prove finances for this application on Immigration. The way to prove it on Immigration, differs a bit from what you needed to prove in the E-visa system in your home country

In case you seek to provide proof of finances for the application for the “1-year extension of stay” with a balance of at least THB 800.000.- THB, you must open a Thai bank account in your sole name ASAP after you have entered the country on a Non-Imm-O visa

If you use a monthly income of at least 65,000 THB as financial proof, then you must gwt your income “legalized”, i.e. been issued an “affidavit of income” from your embassy in Bangkok or from one of the honorary consuls

NOTE: British, Australian and American embassies don’t issue this income affidavit any more, thus citizens of these countries will need to go by the 800.000.- THB deposit method (at least in the first year). After having collected 12 consecutive transfers, each month, month for month, of a minimum of equivalent of 65,000 THB having been transferred into your account from abroad, you can switch to the “income method” using the bank’s yearly statement.

You are free to use an agency for opening a Thai bank account for you, without much hassle. An agent can also assist you with your further application. Of course, you can also do this entirely on your own.

To apply for the 1-year extension of stay permit at immigration inside Thailand out of a Non-Imm-O retirement/over 50-visa, you do NOT need to provide proof of health insurance.

However, it is recommended, in your own interest, to have a health insurance for the duration of your stay in Thailand.

The documents required to apply for the “1-year extension of stay permit based on retirement/over 50 years old” from a Non-Imm-O visa are:

(The exact documents may vary depending on the immigration office you are dealing with. Most immigration offices have a handout with a list of the documents you need to bring with you. You need to visit them and ask for the handout before you apply)

Proof of meeting the financial requirements

EITHER

with the “deposit method”:

a certificate from the bank that you got a balance of a minimum of 800.000 THB.- that have been in the account for at least 2 months on the day of application.

This must be proven with a same day (some immigrations accept up to 7 days) "bank letter of guarantee" (in Thai: "rab roong thanakan") as well as an updated bank book and a receipt for a withdrawal from the ATM on the same day.

The 800.000.- THB must remain in the account for a further 3 months after the one-year Extension of Stay Permit has been issued, and an amount of 400.000.- THB must not be less than 400,000 THB for the rest of the year. Then 2 months before the new application for the next “1-year extension”, a minimum of 800.000.- THB must be deposited again.

OR

with the “Income method”:

an income certificate (affidavit of income) from the embassy or a honorary consul of the country which’s passport you hold, of a monthly income of at minimum of 65,000 THB

and the following documents:

***Copies of the relevant pages in your passport:

***the pages with personal details.

***The page with the entry stamp.

***A rental agreement (if available), the blue house book and the Thai ID card of the owner of the place that you are staying

On some Immigration offices you can also provide proof of finances using a THIRD method: the combination method

A mixture of income and deposit.

NOTE: Most Immigration offices require a minimum deposit of 400,000 THB deposited.

Combined with the monthly proof of income, the total must be ABOVE the required 800,000 THB per year.

You have to be careful with the income part, as a sudden change in the exchange rate can ruin the calculation - if you fall below the income level, you would immediately be in "overstay". So you need a "buffer"

For example, a deposit of 420,000 THB and a monthly income of 1000.- Euros (35,440 THB) is sufficient for the combination method.

35,440 THB x 12 = 425.280.- THB

plus 420,000 THB

would be 845.280 THB

The 45.280.- THB are the exchange rate buffer. The higher the buffer, the safer you are.

If you are planning to use the combination method, you will need to visit your Immigration and ask whether they will allow you to use the combination method in the first year how much they require for the deposit

For the registration of a foreigner at a place in Thailand, you should visit immigration together with the landlord, because a landlord is required to register you by TM30 within 24 hours of your arrival at the place of accommodation.

The landlord can also TM30 you online, in case he already has registered the accommodation in the TM30 system.

NOTE: without a TM30 residence registration, you will most probably not get serviced on Immigration!

***A completed TM7 application form for extension of the stay permit (the form is available at immigration, but you can also download it from the internet)

***a handful of passport photos (most immigration offices now take the photos digitally, but it doesn't hurt to have a few current passport photos on hand)

*** all copies of the documents must be signed by you in blue ink (!)

The 1-year extension itself costs a 1900 Baht fee

As soon as you got issued the 1-year extension of stay permit, you should buy a “re-entry permit”, because in the event that you suddenly have to leave the country or if you generally want to leave the country for a holiday elsewhere, the “re -entry permit” keeps the “1-year extended stay permit” alive.

A single re-entry permit is 1000.- THB, and a multi re-entry permit is 3800.- THB

Safe travels any time!
Val *******
@Greg **********
thank you for sharing.
Dianne **********
@Greg **********
thank you for this detailed info. I Am considering this retirement visa option, but I'm also interested in the long stay visa. Can one also apply for this one from within Thailand? I am on a visa free entry. Can I apply for the non O from within Thailand for the long stay visa as well? Or only from my home country? Do I tell immigration in Thailand i want a non O in order to apply for the long stay visa? It sounds as if the non o is easy to get?and does the long stay visa require international insurance? I see the retirement visa doesn't. I time everything so that I always have travel insurance from my home country in terms of a return ticket. I do have private cover in my home country which is also valid for 3 months from departure. So I'm sometines doubly covered. But that isnt going to help if international health insurance is required. Am i understanding this correctly? I see the retirement visa has no international health insurance requirement. I travel a lot all over so I'm trying to go with the best option for me. Thailand would be my main place of abode. And regarding obtaining schengen visa etc, can I do this on both are retirement visa and long stay visa? I need to not have to return to my own country every time I need a visa. If you could shed some light I'd appreciate it. Thanks! Because Google doesn't give this detail.
Greg ***********
@Dianne *********
you being on a Thai visa or on a valid Thai stay permit doesn't cut any ice for an application to a Schengen visa - you are free to apply
Greg ***********
@Dianne *********
I do not recommend to start the O/A Longstay visa.

Many people fall for it since you can leave your 800,000 THB equivalent bank deposit in your home bank account and get almost two years of stay in Thailand out of it.

After these initial two years, you must move the 800,000 THB equivalent deposit onto a Thai bank account in your sole name anyways! AND you will be forced to buy a private Thai health insurance (which are not very well rated).

However, the BIG downside is = you need an expensive 100,000 USD coverage health insurance, which must sign the F.I.C. form of the Thai Ministry of Foreign Affairs.

Many people after the two years finally have realized in what kind of s..t creek they landed, and they all try to get the O/A cancelled and restart with a Non-O visa

If you start out on the Non-O visa, enter Thailand on it, open a bank account (use an agent for speed) and apply for the 1year extension, then once it got issued you buy a multi re-entry permit for the 1-year stay permit, and you can still continue to travel on your less expensive travel insurance
Dianne **********
@Greg **********
do you know why the agents charge so much for the non O visa? Its sounding to me like its fairly easy to get?
Greg ***********
@Dianne *********
the price is high because you didn't play by the book and didn't show up on a 90 days Non-Imm-O visa which you would have aquired in your home country before you flew to Thailand. In Bangkok, if you show up on a visa exempt entry at the Thai Visa Centre agent, he charges 55,000 THB for opening the bank account for you (which is against the rules and need to be greased) and for getting a 90-days Non-Imm-O visa for you (which also is against the rules and needs to be greased) and then the subsequent 12-months Extension of the Stay Permit (which, in case you don't have own funds of 800,000 THB, also must get heavily greased) . . . .If you have played everything by the book, though - entered on a Non-O visa, opened the bank account, transferred 800,000 THB onto it, and once the money has sat in the account for 2 months, apply for the 12-months extension - all this would only cost you 80 USD for the e-visa fee, and a 1900 THB fee for the application to the Extension, and 1000 THB for a single re-entry permit
Dianne **********
@Greg **********
thanks. So thats what I'm trying to fathom. When i come back again i can secure the non O at home then. I have a bank account because I had a work permit. I don't work anymore. You have been wonderfully helpful with the finer detail.
Greg ***********
@Dianne *********
oh, this changes a lot!! Why didn't you tell me before? So you already have a Thai bank account. . . . . . . making things easy, you don't have to fly back to your home country . . . . just transfer into it from abroad a minimum of 800,000 THB. Make sure the bank codes the transfer as coming from abroad. You need a rental contract for an accomodation in Thailand. . . . Then you only need to do a border run, re-enter visa exempt, visit Immigration and apply for the "change of visa type" from the exempt-entry to a 90-days Non-Imm-O visa. You will have to show that you got 800,000 THB sitting in your Thai bank account. There is no need to prove any "2-months seasoning" at this point . . . . . you will get issued the 90-days Non-O Retirement Visa for 14 days "under consideration". After these 14 days you visit Immigration and pick up the visa stamp. Up from 30 days before the 90 days Non-O stay permit expires, you get the letter from the bank saying the money has sat in the account for 2 months, visit Immigration and apply for the "1-year Extension of the Temporary Stay Permit based on Retirement" (the famously so called "retirement visa") Check this Immigration website, pick your language, then click onto number 9. It opens a downloadable pdf which contains the requirements needed to apply for the "change of visa type" to a 90-days Non-O retirement visa
*******************************************
Dianne **********
@Greg **********
stunning detail. Thank you so much. How do I get the bank to code the deposit as coming from overseas? Is this something I need to request? Or does 5.1, 5.2 and 5.3 take care of this? And what does dated the same day as the application mean? Do I go to the bank and then straight to immigration on the same day?
Greg ***********
@Dianne *********
*** a direct transfer from your home country bank to the Thai bank account will be automatically coded as a foreign transfer

*** if you use WISE for the transfer, make sure you tick in “reasons” the box “funds for long term stay on Thailand”. Then it will be coded as a foreign transfer

All other “reasons” can end up as inner Thailand transfers because WISE will us one of their Thai bank accounts

How to proceed when using other providers like Remittly, Revolut or Western Union, I don’t know

***you visit Immigration as soon as the 800,000 THB have cleared your Thai bank account, and apply for the “change” to the 90-days visa.

Update the bank passbook to show, is all that’s needed.

The 2 months “seasoning” is only required for the application to the 1-year extension

*** of course you could also use a legalized income affidavit over monthly 65,000 THB. But only if your embassy in Thailand is willing to issue one

*** NOTE of WARNING: Jomtien/Pattaya Immigration has different requirements, they make their own rules. Try to avoid them . . . the following screenshot is the current police or regarding the proof the depposit came from abroad
Dianne **********
@Greg **********
regarding my embassy they are useless. The monthly option won't work. I'll check. Miracles do happen. So all good re 800k. I value all this info.
Dianne **********
@Greg **********
oh wow!!!! Thank you so much!!!
Greg ***********
@Dianne *********
if you play everything by the book, if you already have a Thai bank account, entered on a 90-days Non-Imm-O visa and use your own funds of 800,000 THB in your Thai bank account, an agent only charges around 12,000 THB service fee for the application to the 12-months Extension of the Stay Permit, and that would include a 1000 THB single re-entry permit, the 200-500 THB fee for the bank letter, and the 1900 THB fee for the extension application. Not too bad a price. . . . . . . . However if you don't have own funds, and don't have a bank account and entered visa-exempt, the agent has to grease way too many palms, both those in the bank and some others on Immigration, in order to get your request through, and that explains the price
Greg ***********
@Dianne *********
*** you cannot apply for the Non-O/A Longstay visa from within Thailand, you need to apply for it in your home country.

***you might have a problem to do the “change of visa type” from a visa-exempt entry to a 90-days Non-Imm-O retirement visa, because you need money on a Thai bank account in your name.

The downside is, you cannot get a bank account opened on a tourist visa or on a visa exempt entry

This makes it necessary to travel back to your home country, apply for either the “O/A” Longstay or the “O” Retirement visa by the e-visa online system of the Thai embassy

You could theoretically apply for the 90-days Non-Imm-O visa in Laos, Vietnam, Malaysia or any of the surrounding countries, but this will require you staying in these countries until the visa request has been processed – and this might take from 5 to 14 days, depending on how sufficient your uploaded documentation was
Mark ********
Best answer I have seen yet. Thank you!
Brandon ************
What the embassy want has nothing to do with getting an extension in Thailand. You can use almost anything to get the initial 90-day visa from the embassy.

Once you're in Thailand, you're no longer dealing with the embassy under the Ministry of Foreign Affairs, you are dealing with immigration which is a completely different government agency. So anything you find about the embassy and getting a visa is irrelevant at that point.

In Thailand, the ONLY thing you can use for the first yearly extension as an American will be 800,000 Thai baht in a Thai bank account in your name only. The monthly income method is not an option for you as the US embassy in Thailand does not provide income verification.

During this first 12 months while you have the money in your bank account, you can also be submitting monthly transfers to your bank account of at least 65,000 baht. The 2nd year when you go in for your extension, you can show 12 months of international transfers as proof of your income and stop using the money in the bank method. But you must ensure you keep your bank account at 800,000 for 3 months after you receive your first extension and never let it drop below 400,000 the rest of the time or they will not let you get any extension at all for year 2.
Sean **********
@Brandon ***********
good answer! This is exactly what I did and just renewed ny extension on the ฿65,000 monthly deposit method June 2025.

Note: the immigration officer advised the guest switching to this method. Reason was because if I missed one monthly payment, I will have to start over again and I will need to have ฿800,000 to deposit.

Additionally, they stated that next year I must have a letter from the bank that identifies each of the 12 monthly deposits as coming from my home country. This is not the same letter that certified balance for the ฿800,000 method.
Dan ***********
@Brandon ***********
I am not sure of the time but 3 or 4 months before renewing visa you must bring the balance back up to 800,000 tb
Brandon ************
@Dan **********
not if switching to monthly transfers. That's only if continuing to use the bank balance method. And it's 2 months before extension.
Eric *******
ORIGINAL POSTER
Thank you. That was a very clear and straightforward answer. I greatly appreciate it.
Wannikea *********
@Eric ******
after the monthly 65k is transferred from abroad you can remove it from the bank every month if you wish. There are no requirements for leaving it in the bank.
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