Can the 65,000 THB monthly transfer for a NON-O visa be made in multiple payments?

Oct 30, 2024
2 months ago
Barry ********
ORIGINAL POSTER
Hello, I am looking in a year's time to swap to 65k monthly transfer method for non o visa. Does the 65k have to be deposited in 1 payment or can it be transferred in say 3 payments. Thanks
1,887
views
2
likes
58
all likes
32
replies
2
images
11
users
TLDR : Answer Summary
To qualify for the NON-O visa in Thailand, the monthly minimum transfer of 65,000 THB generally needs to come from abroad. While it appears that multiple smaller deposits can be made, it is risky as they may not all process within the same calendar month, potentially failing to meet the requirement. Some users report success with breaking the amount into sections, but this often depends on the specific immigration office's leniency. It's advisable, for safety and simplicity, to transfer the full 65,000 THB in a single transaction each month to avoid complications.
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.
Wayne ***********
Barry if you can - just be safe and deposit 65k each month, don’t split it up unless you really have to. Many people use Wise to xfer to Thai back - personally over the last three months I’ve found Western Union offering better rates - example for today in photos. Most banks will charge more

For exchange - some folks will disagree but I give you my experience. One final point, I prefer not to xfer on a Friday or weekend as it may take one or two BUSINESS days to xfer and that can sometimes be a little unsettling. Good luck.
Jamie ******
@Wayne **********
how does it work ,,I never used western union before ,you still need to have a Thai bank account right or does WU count as a thai bank..same with wise
Wayne ***********
@Jamie *****
What the picture is showing is the value of bhat that your Thai bank account would receive, so yes need Thai bank account to fulfil extension requirement where the money lands - WU is just the intermediary connected to your home country bank in this instance. Although it can xfer through a number of other methods. Some of the apps work different. In most cases the charges and rate I’ve found are better than a direct home bank to Thai bank xfer. I’m merely using them as a money services provider rather than a bank, for completely different purposes some are also regarded as banks but not in regard to fulfilling the
*****
requirement - need the money Thai bank account for that.
Barry ********
ORIGINAL POSTER
@Wayne **********
thanks a lot Wayne
Barry ********
ORIGINAL POSTER
@Wayne **********
thanks Wayne
Stuart ***********
@Wayne **********
great advice, I have exactly the same experience.
Wayne ***********
Wayne ***********
Michael ************
I do it in multiple deposits. The bank statements verify. It's not a problem at my immigration office. Every office seems to have different requirements.
Jim ********
The stipulation is 65k per calendar month. It doesn't necessarily have to be one payment of 65k but that makes life easier for the IO, so it's best not to upset them. When I started I was doing 2 x 33k which was acceptable, and one time the exchange rate changed before the money hit the bank account so it came through as
*****
, so I made another transfer of 200 to push it over the threshold. It was acceptable
Keith *********
@Jim *******
Obviously your I.M. office is more lenient than mine. My office only counts the
*****
+ amounts and not the lesser amounts done periodically in-between.
Jim ********
@Keith ********
I'm talking about CW, the biggest in the country. There's nothing in the rules to say it must be ONE transfer each month. I think you're being hoodwinked! 👍
Barry ********
ORIGINAL POSTER
@Jim *******
thanks Jim good info
Keith *********
In my experience it has to be done in one transfer.
Graham ******
Doing the 65k as three separate deposits within the month will be accepted but there is a risk that one may not go through or be delayed a few days and get deposited on or after the first of the next month which means you did not meet the requirements. Multiple small transfers will often be more expensive than one bigger transfer per month so, unless you are transferring your weekly income, I cannot see any benefits in doing it this way.
Keith *********
@Graham *****
The best thing to do is check with the Immigration office in your area as some may allow multiple transfers but not where I do my retirement visa.
Graham ******
@Keith ********
true, always check first
Greg ***********
Each transfer of a minimum of 65.000.- THB must clearly be coded as coming in from abroad.

You must have collected 12 months of transfers, consecutively month for month. You cannot miss one month and then pay two months in the next transfer

You need to prove it with a regularly updated bankbook, and most Immigrations also ask for a 12-month account statement by your Thai bank

You can of course take out the money and use it for means of living, there is no need to accumulate a deposit
Barry ********
ORIGINAL POSTER
@Greg **********
cheers Greg
Terry **********
Just a bit of clarification, that's once a calender month.
Keith *********
Keith *********
Has to be
*****
minimum in one transfer a month for 12 months.
Graeme **********
@Keith ********
no it doesn’t. As long as it amounts to 65k per month
Barry ********
ORIGINAL POSTER
@Graeme *********
so could do 2 x 32.5 per month ?
Alfred ***********
@Graeme *********
but on that kinda money you'll now be taxed at 15%
Barry ********
ORIGINAL POSTER
@Alfred **********
why taxed I thought pension contributions would not be taxed ?
Alfred ***********
@Barry *******
doesn't matter. All.income from 1st January 2024 is now subject to tax in thailand. There's probably a double taxation treaty in place between your home country and Thailand so you can claim tax relief as you've already paid taxes in your home country. There are a few exemptions but best to talk to a tax lawyer as each individuals case will be different. But it'll be costly to do so.
Keith *********
@Alfred **********
Your reply has nothing to do with what we are talking about. Start a new post if you like .
Barry ********
ORIGINAL POSTER
@Keith ********
but can be taken out once deposited ?
Keith ************
Keith *********
@Barry *******
Yes you can withdraw straight after transfer. Has to be International transfer not domestic.
Barry ********
ORIGINAL POSTER
@Keith ********
thanks Keith
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