Ask question
This is NOT an official government website. We are an independent resource providing information and assistance to travelers.

Can my grandfather combine his social security and savings to apply for a Non-O visa from the US for retirement in Thailand?

Dec 12, 2025
5 months ago
LavenderP**********
ORIGINAL POSTER
My grandfather would like to retire in Thailand from the US. He’s not very computer savvy so we are going to help him. We are looking at the Non-O. He receives a monthly social security payment around $1500 and has a chunk in savings. Is it possible to combine the savings amount and his social security for the Non-O? And would it be best to apply from the US or from within Thailand? He wants to go mid-January.
6,380
views
151
all likes
50
replies
31
users
TLDR : Answer Summary
A US citizen looking to retire in Thailand can apply for a Non-O visa, which typically requires proof of financial stability through a local bank account in Thailand. Monthly social security payments can be considered, but the primary requirement for the initial visa extension is having 800,000 THB available in a Thai bank account. It's advisable to apply for the visa from the US to simplify the process, as applying in Thailand can be complicated if he hasn't already opened a Thai bank account. There are concerns about his monthly income of $1500 and the potential need for health insurance. Several commenters recommend using a visa agent to navigate the process and ensure all requirements are met.
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.
Michael *************
To be honest, $1500 a month is cutting it close as he will need health insurance which will eat up a significant amount each month. If he has plenty of savings then he can utilize the savings to qualify for the visa applied for from the states.
Like
Reply
David ******
Not sure his age, but what about healthcare, if he needs it.
Like
Reply
Christian *********
I need help i am finaly coming permanently to Thailand. I come from Australia, Qld. It appears that i will have to apply for a non 0 visa does anyone know how long it takes to get it
Like
Reply
Kirsten *********
Christian Panquetif you apply via the embassy website and you have everything you need it only usually takes a few days. But depends how many they have in the funnel as to how fast they process. There’s no precise amount of time. You just have to be patient : ) That gets you the initial 3 months . After that you do the visa extension in immigration. There is a lot of advice about that on this group. Use the search tool.)
Like
Reply
Reply to
Kirsten *********
Reply
Steve ********
What you post tells me is he should reconsider.
Like
Reply
Mary *******
Hire a visa agent here in Thailand, I did took 4 days to get me a retirement visa!
Like
Reply
James **********
Is his " chunk in savings" a minimum 25k USD in his USA bank account?
Like
Reply
David ********
Prepare for Summer weather Conditions.
Like
Reply
Raymond *********
Your grand father can apply either from home on thai embassy website or in Thaïland (i did in october 2025) but it's much easier and less stressfull from home.

Hé can get the 90 days Non-O visa with proof of the equivalent of
*****
0thb in his bank account. The only purpose of the 90 days is to give you time to open à thai bank account to mâture your deposit for 60 days before the one year extension. He xould use his revenues instead of
*****
0thb only if his embassy confirms it and they no longer do it.

Upon renewal if he has depisited 65 000bht every month(if he deposited
*****
0thb every 3 months he would be shy 2 months out of 3). Thoses deposits have to come from ashore (with proof). At the Immigration officer's discrétion, he could use lets say
*****
thb every month and à deposit of
*****
0thb. Again at the IO's discrétion. One more thing, he must be able to show 12 monthly deposit of 65 000bht not prior the effective renewal date but 60 or 90 days (not sure) before
Like
Reply
Daniel *********
Have your Grandfather maintain his us address. This will save lots of problems before they become an issue. He most likely will not qualify for a health insurance policy and will have to self insure. You say he has $1500 SSI which is ok but wont go that far based on someone's lifestyle. He would want to be near a hospital.Thailand is for ambulatory people and you can forget coming here if your not. Meds are available look up the US equivalent. Your best answer here will come from the moderators.
Like
Reply
John **********
I would definitely recommend you go to a visa agent who will give you the best up to date advice. You will always get many many answers to your one question on this site, although very helpful and many answers can be correct, you will end up totally confused and it will not be in your best interest. I have just completed my retirement visa, bike & car driving licence with an agent. The major benefit of using an agent is that they will have all your documentation on file and any mistakes with paperwork will be their priority of correcting. The Thai visa laws are changing all the time. I've used One Stop Services in Pattaya (DETAILS BELOW) His name is Mark and he runs the agency with his wife. Pom. He will answer any questions you have by WhatsApp within 24 hrs. Brilliant service!

SOI 6, Beach Road, Pattaya, Thailand,
*****


******************************


LINE: onestopvisa06

Whatsapp: 083 263 8687

************************************************
Like
Reply
Graham ******
@John *********
What Thai visa laws are changing or recently changed?
Like
Reply
John **********
@Graham *****
That's why you need to seek an agent. Follow the link and listen to what Mark has to say, he will explain things alot better than me as he's right up to date with visa laws.
Like
Reply
Graham ******
@John *********
You definitely do not need to speak to an agent over these alleged visa changes because there have been none.
Like
Reply
John **********
@Graham *****
Do what you like Graham. Just giving the best advice, just to many people giving 100 different answers to one question when all you have to do is text Mark at onestop visa and you get the correct answer from the horses mouth. What's so difficult about that, do you know every single answer to the visa and retirement questions? I think not!!
Like
Reply
Reply to
John **********
Reply
Frank **********
I agree with most if the comments. But important questions need to be answered like his age, also are you in Thailand or will he live by himself? How is his health? Does he have medical conditions that need care because Thai Insurance companies generally do not accept people with pre-existing conditions and if he is on Medicare it is pretty much useless unless he has like maybe a Medicare Advantage Plan that will pay for someone who lives overseas. These questions should be taken in to consideration before anything else.
Like
Reply
Colin ***********
@Frank *********
I totally agree. $1500 is barely enough and if he is over 65 health insurance will be a real problem. Basically he needs $500,000 to self insure if he has a sudden heart attack or stroke. If he develops a chronic condition he can return to the USA as long as he has kept his Medicare parts A and B.
Like
Reply
Reply to
Colin ***********
Reply
Kym *********
Is your grandfather a US citizen? If not, he might have to come back for 30days annually otherwise his benefits could stop. It happened to my friend’s uncle. He was a permanent resident. If he’s a citizen, no worries.
Like
Reply
J **************
Assuming he hasn’t been here before: the most common recommendation to anyone is to come and spend 30-60 days in Thailand and discover the different parts, talk to agents, and get estimates
Like
Reply
J **************
What is his total monthly retirement income?

How old is he?

Has he been here before?
Like
Reply
Jay *******
@J *************
all very good questions that need to be answered before worrying about a visa.
Like
Reply
Reply to
Jay *******
Reply
Robin *******
He needs to apply for a non o in the US, using the Thai Embassy evisa site, you will be asked for information bank statements proof of address passport size photo etc it’s quite simple once you get started
Like
Reply
Phil ******
Best to apply before he comes. I think (my opinion) is the Embassy website where you wish to apply will want ฿800,000 (or equivalent) in his home bank. Best ask your embassy
Like
Reply
John-Paul ******
Use an agent for God's sake!
Like
Reply
Todd ********
@John-Paul *****
yes agree . If he is not computer savy ….get the agent to help at least for the beginning. Sure, others can do it themselves…wonder if F Annie does her own nails or pays Salon 🤨. Beginners mistakes and headaches will happen….on top of moving to a new country.
Like
Reply
Graham ******
@Todd *******
The beginning is getting his Non-O before travelling which is an eVisa which any family member or friend can assist with ;)
Like
Reply
Frangipani *******
💅
Like
Reply
Reply to
Frangipani *******
Reply
Frangipani *******
@John-Paul *****
Why?

It’s easy enough to do it yourself.
Like
Reply
Reply to
Frangipani *******
Reply
Rok ********
Certainly apply in USA and extend in Thailand. Age (min 50) and savings in local bank account equivalent of 800,000 baht (for whatever months required by local embassy) is really the only requirement; not the income. He may need an agent in Thailand to extend but at least he will have the visa already for 3 months.
Like
Reply
Frangipani *******
I would advise to apply for the Non O from the US 🇺🇸 right now. Can be easily done online. The eVisa site will advise what financial evidence he will need to provide when applying.

Once in Thailand 🇹🇭, a Thai bank account must be opened and 800,000 THB must be deposited and will have to be seasoned for two months before going for the first 12 month extension (of the Non O visa)

After the first year of extension, it is possible to switch to the 65,000 a month method (deposit 65,000THB per month into your Thai 🇹🇭 Bank account every month for 12 months) and use that to satisfy the requirements for extension.

Good luck 😃
Like
Reply
Peter ********
Hua hin if he likes brach. Khao yai of he likes beautiful places
Like
Reply
Peter ********
Like
Reply
Sean **********
@Frangipani ******
because I thought my comment to be helpful additional information augmenting your good post.

Sorry if the add-on bothers you.
Like
Reply
Frangipani *******
@Sean *********
doesn’t bother me but perhaps better to respond to the OP instead of to another responder…

Just respond to the original bubble.
Like
Reply
Sean **********
@Frangipani ******
ok 🙂🙂
Like
Reply
Reply to
Sean **********
Reply
Sean **********
@Frangipani ******
1500 monthly Social Security does not meet the minimum
*****
B monthly deposit requirement. May need to leave the
*****
0B in the bank permanently.
Like
Reply
Frangipani *******
@Sean *********
why do you comment to me? I merely answered the question from the OP.

😂😂😂
Like
Reply
Reply to
Frangipani *******
Reply
David ********
Just go and use an agent they will open bank account deposit funds to the whole lot
Like
Reply
Martin *********
Probably better to use a agent once he arrives
Like
Reply
Rob ***********
@Martin ********
A friend of ours is a Thai travel agent in West Australia. He got me a 6 month eVisa using proof of my fortnightly pension and monthly superannuation account as proof of income. We transfer funds to my wife's Thai bank account. Had no problems, using that method.
Like
Reply
Graham ******
@Rob **********
That was a 6 month multi-entry tourist visa which is completely different
Like
Reply
Rob ***********
Like
Reply
Reply to
Rob ***********
Reply
Brandon ************
Unless he already has a Thai bank account, he cannot get the non-O inside of Thailand. You are required to show the funds in a Thai bank account to apply in Thailand, and cannot open a bank account unless you already have a long-term visa.

He might be able to show a combination of things to get the non-O visa at the Thai embassy, but that won't help him once he gets to Thailand. For the first 1-year extension, the only option available is showing 800,000 baht in his Thai bank account, or embassy certified income. The US embassy does not do income certification, so the 800,000 in the Thai bank is the only option.

The other option he has is using a visa agent, but that's going to cost anywhere from 30,000-50,000 baht for the first year.
Like
Reply
Steven ********
Question, if the funds are supposed to be transferred from outside of Thailand how do the agents get around that requirement?
Like
Reply
Daren ********
Like
Reply
Brandon ************
@Steven *******
Money makes everything possible, but that's not a requirement regardless.
Like
Reply
Steven ********
Could you message me please
Like
Reply
Reply to
Steven ********
Reply
Nongnuch ********
@Steven *******
if he enters with the 90-days Non-Imm-O Visa, opens a bank account and transfers the 800,000 THB onto it, he does NOT need to prove that the money came from abroad when he applies for the extension. This proof is only needed when doing a "change of visa type" inside Thailand
Like
Reply
Darren *******
@Steven *******
he can show the equivalent to 800,000 baht in his US bank account that has been there for at least 3 months then once he gets the 90 day visa for the non o he can open the account and transfer the money across but it is a lot easier through a Visa agent
Like
Reply
Bob **********
@Darren ******
it might be easy bit you’ll save 30-40k doing it yourself and if you want to switch to monthly transfers no problem with an agent you’ll have problems your stuck with the agent
Like
Reply
Reply to
Bob **********
Reply
Thai Visa Advice and Everything Else
... members · 60% approval rate
The Thai Visa Advice And Everything Else group allows for a broad range of discussions on life in Thailand, beyond just visa inquiries.
Join the Group
Thai Visa Advice and Everything Else
View the Conversation
Thai Visa Advice and Everything Else
The ask:thailand community, consisting of multiple Q/A groups with over 100,000 members, powers this platform. It is not an official government resource. Our members actively contribute to this resource, and while we strive for accuracy, we cannot guarantee its complete reliability. Assistance to travelers is provided as a community service.