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Answered2 months ago

Can I use Zelle payments as proof of income for a Thailand Non-O retirement visa?

Khan ********
asked Aug 31, 2026
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For Non o retirement visa. Can you show usa 3k a month in zelle bank payments from rental tenants or has to be 25k us in a thai bank ?
Answer summary
For the Non-O retirement visa in Thailand, applicants typically need to provide proof of income through either a lump sum of 800,000 THB in a Thai bank account or demonstrate a monthly income of at least 65,000 THB through consistent deposits. While showing rental payments from Zelle may work for some, it's not widely accepted due to the nature of Zelle as a money transfer service, and it's advisable to have funds transferred into a Thai bank. Most embassies will not confirm income from foreign accounts, making the requirement to have funds in Thailand crucial for obtaining the visa.
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Phil ******
Phil ******
@Khan *******
its ฿65,000 each month to your Thai bank account that you already have ฿800,000 in.
Estelle *********
Estelle *********
Go to my best friend ChatGPT to see the rest. But what about $3,000/month in Zelle rent payments?

That's where I would be careful. $3,000/month is more than enough in dollar amount, but simply showing recurring Zelle deposits from tenants does not automatically establish that Immigration will accept those deposits as qualifying retirement income.
Johnny ********
Johnny ********
has to be pension income with a letter from the pension provider and you cannot start with the monthly income
Steven ***************
Steven ***************
You need to be able to put 800k thb in a Thai bank or show you have at least 65K thb income per month. And if you can't do that you really aren't in a position to retire here. Rental income is not guaranteed like a pension is. People will tell you to use an agent, but be warned, that method is sketchy at best and immigration is looking closely at it. They also do not really like the 65k per month method and some offices do everything they can to discourage using it. You're better off taking that rental income and savings it until you have enough to meet the 800k deposit and then apply for the visa. Also be aware couples need 800K each.
Marianne ********
Marianne ********
For the Non-O you can use income into your regular accounts.

For the extension of stay, you will need 800k baht in a Thai bank account unless your Embassy still offers income affidavits.

You can not use monthly transfers to Thai account on your first extension of stay.
Jon *******
Jon *******
Marianne Holmen actually it’s the opposite. For US citizens he wouldn’t be able to use the monthly transfers option for his visa

If he entered Thailand on an OA visa he has a year to make the monthly deposits and can use this method by showing his bank statement proving the transfers
Marianne ********
Marianne ********
Jon Popow The Embassies and consulates in the US accept income certificates. I would assume a job contract or papers verifying they the money is in fact income would be sufficient?
Jon *******
Jon *******
Marianne Holmen not sure what you’re referring to regarding US embassies in the US accepting income certificates. They have no way verifying your income. They’re not going to give you what the Thai authorities want
NongTong *****
NongTong *****
1700 usd monthly (but not advisable) 25k usd in Thai Bank (most preferred by Thai immigration offices)
Jeff *************
Jeff *************
NongTong Osk closer to 2000 US a month with current exchange rate
ทัศยาภรณ์ ********
ทัศยาภรณ์ ********
None Embassy now confirms your home country income. Anyone knows who confirms? Any law firms in Pattaya may confirm?
ทัศยาภรณ์ ********
ทัศยาภรณ์ ********
But what is actually the answer?
Henrik ****
Henrik ****
ทัศยาภรณ์ สองสัน, there are more options available.
Fortune ************
Fortune ************
Henrik JN That's 3 time you answer the same , now tell us what the other options are !!!!!
Jon *******
Jon *******
Fortune Lucky Sun he’s referring to getting an agent to front the 800k for you. That works until it doesn’t. Then you’re stuck whining on fb groups from outside the country.
Brook ********
Brook ********
800,000 THB in a Thai bank.

Reading is fundamental.
Graham ******
Graham ******
Brook Powers not to get an Embassy or Consulate issued Non-O
Henrik ****
Henrik ****
Brook Powers, there are more options.
Henrik ****
Henrik ****
However, Zelle bank payments or other payments into your bank account in your home country is not one of the acceptable options as such.
Guido **********
Guido **********
what ??? If you cant write english ASK for help
Paul *******
Paul *******
@Guido *********
What part did you not understand?
Michael ********
Michael ********
For the first non o retirement visa you need the 800k in the bank. After that you can do 65k per month for 12 months before doing your 2nd year extension. That’s what I did anyway
Graham ******
Graham ******
Michael Parker Not if the Non-O is obtained from an Embassy or Consulate, the extension will then require what you said (or an Embassy income affidavit)
Michael ********
Michael ********
Graham Seal I did mine in Thailand
Henrik ****
Henrik ****
Michael Parker, if you dont have the 800k THB, then there are other options.
Michael ********
Michael ********
Henrik JN go to an agent. 800k Thai baht. If you don’t have that tucked away best you stay in your own country 🤪
John **********
John **********
First question is which visa are you calling a retirement visa? Assuming it's the 90 day Non-O visa, you can apply for this by either showing the equivalent of 65k baht income for 3 months in your home bank or a lump sum of 800k baht again in your home bank, as long as you are applying outside of Thailand. Unless you're embassy in Thailand provides an income certificate you have no option but to show 800k baht in a Thai bank for the first 12 months extension of stay.

Zelle appears to be a money transfer platform and not a bank so doubtful that it would be accepted in place of a bank
Henrik ****
Henrik ****
@John *********
, it is only partly correct. There are more options than asking your Embassy for an income certificate, which most Embassies refuse.
Jan ******************
Jan ******************
Henrik JN That’s not correct. Some repeat it, but the official requirements are funds in a bank account or documented income only from your embassy.

If someone has managed to get something else accepted at a particular immigration office, that is simply a matter between that applicant and the officer handling the case. It is not a general rule, and certainly not something others should rely on.
Cool_Ba********
Cool_Ba********
Henrik JN Please suggest these other options that you mention. ;)
Jon *******
Jon *******
If you’re referring to the 1 yr EXTENSION then the money must be transferred to a Thai bank.

If you’re applying for the visa, unless your embassy provides the necessary proof of income, you can’t use this method
Graeme ********
Graeme ********
Clear as mud
NongTong *****
NongTong *****
Jon Popow some of the local immigration will not accept proof of income, just be advised.
Jon *******
Jon *******
NongTong Osk I don’t use the 65k method. Just trying to help out the OP
Khan ********
Khan ********
OP
Jon Popow when first applying for non o retirement visa 50 and older from usa
Jon *******
Jon *******
@Khan *******
the US consulate will not verify income as of many years ago. I believe the 800k method is your only option for the VISA. AFTER your visa, when applying for the extension based on retirement, you may use the 65k method by showing the Thai authorities 12 months of deposits of at least 65k
Don **********
Don **********
Jon Popow wrong. I've been using this method 5 years. It just needs to be transferred into Thia bank each month over 65k.
Jon *******
Jon *******
Don Crawford what did I say that was wrong? You’ve been using this method for 5 years. Exactly what I said. Your EXTENSIONS were approved with this method. Your VISA was not obtained using this method unless your embassy verified it 6 years ago
Todd *********
Todd *********
Don Crawford wrong. Cant be done for first year with 65k method unless, as Jon mentioned, your embassy still supports
Raymond *********
Raymond *********
Might help if you specify which currency
Khan ********
Khan ********
OP
Raymond Dowling usa
Henrik ****
Henrik ****
@Khan *******
, USA is a country not a currency.
Latrice ********************
Latrice ********************
You can show the monthly payments if you are applying from your home country, but idk if zelle payments count as income.
Paul ********************
Paul ********************
It's needs to be 65k not 25
Paul *******
Paul *******
Paul Anthony McDermott he said US not baht.
Paul ********************
Paul ********************
Paul Jones you are correct.. I shall say 20 Heil Marys and kick the cat in penance.. 😁

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