ask
Search
Ask
Answered8 months ago

Can you switch from a visa-exempt entry to a retirement visa while in Thailand?

PurpleO********
asked Feb 14, 2026
6.8k
views
55
replies
2
likes
Lots of messages about people going from visa exempt tourist entry- straight to retirement visa, whilst in Thaiiand.

Is that really an option? How is that possible please?

Is it really an option to do that route? Or better to do the route from outside Thailand via Non ‘O’ 90 day entry online application?

Its a bit confusing reading people that people came on a tourist visa exempt and got retirement whilst feet on the ground in Thailand.
Answer summary
The discussion revolves around the possibility of transitioning from a visa-exempt entry to a retirement visa (Non-O) while remaining in Thailand. Many expats advise that it can be complicated to do so because opening a Thai bank account on a tourist visa is challenging, often leading to the recommendation of obtaining a Non-O visa from outside Thailand before arriving. While some claim it is still possible to change visa types within Thailand using an agent, the consensus suggests it's more straightforward to secure the appropriate visa beforehand to avoid administrative issues.
55 repliesnewest first
18

Click comment and we will ask for your email, then OTP, then name.

Greg ***********
Greg ***********
For an in-country "change of visa type" from the tourist visa or visa-exempt entry to the initial 90-days Non-Imm-O Retirement Visa, you need an already existing Thai bank account with 800,000 THB minimum already sitting in it on the day you apply on Immigration for the "change". Unless your embassy in Bangkok still issues an income affidavit over a minimum of monthly 65,000 THB – then you won’t need the bank account to apply for the “change”.

The problem is: on touristic entries, you cannot get a Thai bank account opened any more (unless you are willing to fork out a large sum of money (up from 60,000 THB!) to agents who are willing and able to get around the law)

That’s why it is recommended to arrive on a 90-days Non-Imm-O Retirement Visa you acquired outside of Thailand, as on this visa you can easily get a bank account opened, and will be able to apply for the “Retirement Extension of the Stay Permit” as soon as the deposit has seasoned in your account for 2 months
PurpleO********
PurpleO********
OP
Greg Alexander Thank you.

So it is still ‘possible’ to do it, from visa exempt- to in country change to non ‘o’ using an agent.

Im not saying I will do it, just confirming if thats possible.
Greg ***********
Greg ***********
PurpleOtter5805 YES it is still possible, however only a handful of agents will do it, with prices up from 60,000 THB thru 90,000 THB
PurpleO********
PurpleO********
OP
Greg Alexander Thank you.
Jake *****
Jake *****
I got non-o retirement via TR visa 90 days from visa exemption 90 days without leaving Thailand. (THIS CASE OF Korean national)
PurpleO********
PurpleO********
OP
Jake Lee TR visa is where please? Was this recent?
Jake *****
Jake *****
PurpleOtter5805 8 yrs ago, your regional immigration office. if you apply for Non-O, they will issue TR first
David ********
David ********
I arrive march 2nd.Agency getting non o visa then retirement set up with bank account and driving licence.
Paul *******
Paul *******
You can use an agent to convert exemption to O visa but they strongly recommend get the O visa outside Thailand. It's possible but not easy.
PurpleO********
PurpleO********
OP
Paul Jones Thank you
Simon **********
Simon **********
Yes, it’s possible and easier than doing it abroad.
Marianne ********
Marianne ********
Simon Robinson Very much disagree.

It is far easier to get the Non-O before you come to Thailand.

Especially if you do not have a Thai bank account already.
PurpleO********
PurpleO********
OP
Marianne Holmen Have you done it from inside Thailand? I guess you must have to be able to disagree.

What made it difficult for you to do from inside Thailand ?
PurpleO********
PurpleO********
OP
Marianne Holmen Thank you for expanding. Appreciated.
Marianne ********
Marianne ********
Simon Robinson Which mostly required the same documents outside of the ones related to the marriage, and different sums for the financial requirements.
Simon **********
Simon **********
Marianne so not visa based on retirement….
PurpleO********
PurpleO********
OP
Steve Greir ythank you, thats what I imagine too.
Marianne ********
Marianne ********
PurpleOtter5805 I have done it both ways for my Non-O based on marriage.

In Bangkok it was a chore partially because of the amount of people there. We had to go multiple times because they kept saying we were missing some papers. And sent me to the copy shop more than once. 😅

Some of it partially my fault.

Having said that, I am a woman married to a Thai man and do not need to show any bank documents either way.

But the online application required less documents to support the claim that we were married.
Steve *******
Steve *******
PurpleOtter5805 The only difficulty doing it inside Thailand is not having a Thai bank account
Simon **********
Simon **********
Marianne Holmen again, purely based on my own personal experience
PurpleO********
PurpleO********
OP
Simon Robinson See, this is where the confusion is, can you explain a little please, why would it be possible, and even ‘easier’ doing it in Thailand?

Thank you if you can explain a little.
Simon **********
Simon **********
PurpleOtter5805 I can only comment based upon my own personal experience, and of my friends. You arrive on visa exemption. Apply for a Non immigrant O in country, then apply for the extension based on retirement. In reality O and Extension is done in one application. You get 15 months and no requirement for insurance, although I would highly recommend getting that in any case.
Simon **********
Simon **********
@John *********
do you know what the lottery numbers are going to be too?

I have lived here in Thailand for ten years, but obviously not to your criteria.
John **********
John **********
@Simon *********
so you used an agent as that's the only way you get 15 months. For those that don't want to use an agent, and don't already have a Thai bank account, it is much easier to get the 90 day Non-O visa before travelling to Thailand
Steve *******
Steve *******
Simon Robinson It's fine doing it in Thailand if you already have a Thai bank but virtually impossible if you don't unless you pay an agent.
Stuart ***********
Stuart ***********
You will regret it, you will likely end up having to leave Thailand or pay a lot of money to an agent to correct your mistake, but it's up to you. You were warned.
Stuart ***********
Stuart ***********
When did you do this and did you use an agent, if so how much did the agent charge you?
PurpleO********
PurpleO********
OP
Simon Robinson Thank you for expanding, seems yes, its still an option, thank you for clarifying. Im not looking to ‘dodge’ any rules or find loop holes, I have plenty to deposit, the finance part is no problem, I don’t need agents to deposit anything. Im just trying to get clear facts on the options, especially as im a 20yr expat, British, living in a non english speaking country in Europe, with Permanent residency.

Not a problem, but occasionally can make things more long winded.

(Hopefully not)
Alan *****
Alan *****
Can you get a non O visa from your home country Or is it a non OA visa. It the insurance thing I’m concerned about
Ant ***********
Ant ***********
Alan Bow

Get a Non-O single entry from the Thai Embassy in home country - minimal requirements

Non-OA requires insurance and other checks
Joaquin ***********
Joaquin ***********
I´m not sure 100%, but I think not all Thai consulates in all countries allow Non-O VISA applications for pensioners, only Non O-A .
PurpleO********
PurpleO********
OP
Joaquin Rodriguez ah, oh, that may explain alot. Good point to bring up.
PurpleO********
PurpleO********
OP
Ant W Tailor Thank you
Stuart *********
Stuart *********
You can get a Non O from your home country or one of the surrounding countries around Asia. Many embassies will issue Non O’s to non residents of that country but you’d need to check where you intend to apply.
Woody *********
Woody *********
Alan Bow you can do either on web.
Alan *****
Alan *****
Woody Windsor do I need insurance for the non O visa
Ant ***********
Ant ***********
Alan Bow

No
Stuart ***********
Stuart ***********
Definitely get the 90 day Non-O before coming to Thailand, unless you already have a Thai bank account.

You will get people that reply and tell you it's possible by coming here visa exempt, but you will regret that decision.

It used to be possible to enter without a visa, but that changed over a year ago, when the Thai authorities clamped down on opening bank accounts without long term visas.

People that say you can do it are either out of date, or don't understand as they used an agent. Good luck.
PurpleO********
PurpleO********
OP
Stuart Chiverton Thank you
Alan *****
Alan *****
Stuart Chiverton if you already have a Thai bank account. What’s the best visa. To get. To apply for a retirement visa. I’m from the uk
Stuart ***********
Stuart ***********
I would still recommend getting the 90 day non-O Alan. It means you are entering Thailand with the correct visa and you therefore do not need to have a return or onward flight booked. It also means you have one less trip to the immigration office as you have already done the hard work getting the non-O. Everything should be straightforward for you, extending your stay for 12 months once inside Thailand is very simple, it's one a4 form with about 15 simple questions (name, passport number, date arrived in Thailand, address etc) and few photocopies, a couple of passport photos, proof of where you live and proof from your Thai bank that you have 800,000 baht deposited for 2 months with a letter + bank book updated. It costs 1,900 baht and you walk out a few minutes later with a 12 month stamp. You can then repeat the extension process every 12 months.
PurpleO********
PurpleO********
OP
Stuart Chiverton some good points, valid reasons to consider doing it the route from outside Thailand

Thank you, for engaging in this topic.
Sebastian ********
Sebastian ********
This was how I did it 10 years ago when it was much easier to open a bank account. Now, next to impossible unless you want the horrific charges of an agent!

It is much better to do it from outside then when you go to open a bank account, you are then showing a long term visa.
Bill *********
Bill *********
Sebastian Barrow Visa agent charges are not horrific, they're quite reasonable and saved me so much time and effort.
Michael ***********
Michael ***********
Sebastian Barrow yes and no perhaps? Because if applying for a an o retirement visa from outside of thailsnd then insurance becomes mandatory.
Sebastian ********
Sebastian ********
Michael Spigarolo no it does not! Only if applying for Non-OA.

Applying for Non-O for retirement does not involve medical insurance. That is something you can do here for peace of mind with a better deal to suit you.
PurpleO********
PurpleO********
OP
Sebastian Barrow Thank you
Stuart *********
Stuart *********
It certainly is an option you go from visa exempt or tourist visa to a in country Non O based on being over 50.

Except these days it’s almost impossible to open a bank account with no visa or a tourist visa. It can be done with the help of an agent perhaps but rare.

Getting the non O from outside the country and entering with that makes the bank account opening way easier.

If you are from a country that still issues income affidavits then that may not be an issue.
Stuart *********
Stuart *********
Yes. The stumbling block to this approach is the Thai bank account. If you already have one then not an issue.

Up until about a year ago it was entirely possible and arguably the easier way to go. But now not so.
PurpleO********
PurpleO********
OP
@Stuart ********
apology for next question, entering visa exempt gives 60 days.

How can one, open a bank account to deposit 800k, and have it in there long enough to qualify for a visa application?

It means somehow in first days of entering, somehow opening an account, then its still only going to have been deposited there for maybe 40-50 days isn’t it?
Stuart *********
Stuart *********
If you’re lucky enough to be able to open a bank account on a visa exempt or tourist visa there is no seasoning requirement for the funds (other than 1 day - except if you use the Jomtien office). The seasoning is for the extension.

So in theory, come over with an exempt entry or tourist visa, get a bank account. Transfer 800k and apply for a in country Non O. That would give you 90 days and when that’s winding down you apply for the year extension with the funds being seasoned for two months prior.

Sounds easy. It used to be. As stated earlier if you don’t already have a Thai bank account it could be akin to hitting your head against a brick wall.
PurpleO********
PurpleO********
OP
@Stuart ********
aha,

In country non o?

I didn’t realise that was even possible, now it gets even more confusing, or misunderstanding.

So tourist to in country non o, no need seasoning,

So visa exempt 60 days (+30 if want to extend)

Then in country non ‘0’ no seasoning required-

Then have 90 days non o to season funds for the extension.

Got it.

That sounds logical.

Interesting option. The only blocking point is the thai bank account?
Marianne ********
Marianne ********
PurpleOtter5805 Apply for a extension of stay on your visa exemption. 30 more days.
PurpleO********
PurpleO********
OP
Marianne Holmen Thanks, yeah I was guessing would need to do that.
PurpleO********
PurpleO********
OP

Activity

18 joined
PurpleO********
PurpleO********
PurpleO********
PurpleO********
PurpleO********
PurpleO********
18
people
Thai Visa Advice and Everything Else
Thai Visa Advice and Everything Else
...members60% approval
Member 1
Member 2
Member 3
Member 4
Member 5
Member 6
Member 7
Member 8

Related

25
Can I apply for a retirement visa in Thailand with 800k in my bank account if I enter on a visa exempt?
4.8k444711d
How can some agencies claim a 15-month Non-O visa in Thailand?
8.1k591202mo
What is the current process for retirement visa entry in Thailand given the changes in visa exemption duration?
3.7k18763mo
Why is it now recommended to obtain a Non-O visa before arriving in Thailand instead of applying in-country?
7.1k181786mo
Can I apply for a retirement visa while in Thailand on a tourist visa, and when can I obtain a tax number?
2.4k17298mo
Is it possible to convert a tourist visa to a Non-O visa in Thailand?
5.1k37709mo
How complicated is it to obtain a retirement visa in Thailand?
4.5k305410mo
Can I apply for a one-year visa while in Thailand or must I apply from my home country?
4.7k45251y
Can I enter Thailand on a visitor visa while waiting for my retirement visa approval?
1.9k14181y
Can I apply for a retirement visa while already in Thailand or do I need to leave and apply from abroad?
2.3k17221y
Can I secure a bank account and get an O visa to apply for an OA visa in Chiang Mai?
653271y
Can I apply for a retirement visa from my home country and what are the requirements?
1.1k681y
Can you apply for a retirement visa in Thailand after turning 50 while on a 60-day visa exemption?
2.6k22201y
Can you apply for a retirement visa in Thailand from a country other than your home country?
4.6k40381y
How can I open a Thai bank account to apply for a Retirement visa without a long-stay visa?
2.1k12291y
What are the steps to apply for a 1-year retirement visa in Thailand for expats?
10.9k99842y
How can I convert a tourist visa to a non-O retirement visa in Thailand?
14.2k792112y
Can I maintain my retirement visa status while working outside Thailand every year?
5.7k50472y
Can you apply for a retirement visa while on a holiday visa in Thailand and what are the differences between single and multiple entry retirement visas?
1.9k8313y
What challenges should I expect when applying for a Non-O visa for retirement in Thailand from the UK?
5.1k41533y
How can I apply for a retirement visa in Thailand after using a 45-day exemption?
13.6k1141513y
Can I obtain a Retirement Visa in Thailand as a Canadian to stay for 5 months and avoid border bounces?
2.1k18124y
Can my French wife apply for a retirement visa in Thailand if she enters on a visa exemption?
3.1k28234y
What is the best visa option for applying for a retirement visa in Thailand?
2.3k19145y
Can I apply for a retirement visa directly from a Tourist Visa in Thailand?
1.7k11159y

Resources

Need help with your retirement visa?