Do both my husband and I need separate bank accounts with 800k for a non-O retirement visa in Thailand?

Also look at the LTR visa. The best option if you have a passive income of $80,000 a year. Don't have to bank here and the added bonus is no tax on foreign earned income. 10 year visa, check in annually and renewable

2 accounts, 2 x800k

You should have separate bank accounts and both apply for a 90 day Non-O visa. Applying in your home country you can show 3 months of 65k baht income per month or a lump sum of 800k baht. When you get to Thailand you will each need Thai bank accounts and will need to seed these accounts with 800k baht for 2 months before applying for the 12 month extension of stay.

An alternative that may suit you is for one of you to apply for a 12 month Non-OA visa (which requires police check, medical certificate and insurance) and the other to apply for a 90 day Non-O as their dependant, this has no financial requirements and after arriving in Thailand can be extended to match the expiry date of the person on the Non-OA

You both need the 800k in the bank. You might be able to open a joined account but you’ll need 1.6k baht deposited. Use that to get your first 12 extension.

After you open your account start moving at least 65k a month in deposits and the second year you’ll be able to use the monthly deposits.

If you are from a country that the embassy still does certified income you can use the 65k monthly.