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Do both my husband and I need to have 800,000 baht for the Non-O visa retirement requirements in Thailand?

Nov 11, 2025
3 days ago
Kim ********
ORIGINAL POSTER
So I think I finally worked retirement date 2/7/27, the day I turn 60! Our plan is to move to Thsiland 2/9/27. My husband took a lump sum as a retirement in 2023, so he won’t have a monthly income, but I will. Yes we can satisfy 800,000, although I don’t like the fact that we can’t use our money.

Question: will my husband’s 800,000 baht be enough to meet requirements or does he have to show a monthly income? My retirement will be enough for the both of us…planning ahead

Thank you in advance 💚
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TLDR : Answer Summary
The user is planning to retire in Thailand on February 9, 2027, and wants to know if her husband's lump sum retirement savings can meet the financial requirements for the Non-O visa. The conversation clarifies that each person must have 800,000 baht in a Thai bank account or show a monthly income of 65,000 baht. They can use their savings after meeting the required amount for a certain period before visa renewals. They are also reminded to consider health insurance and the lack of monthly income certification from the US consulate.
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.
J **************
Don’t forget to budget health insurance for the both of you. Make sure the insurance covers you for all of ASEAN …
J **************
Your husband doesn’t have social security coming ?
Kim ********
ORIGINAL POSTER
@J *************
he’ll be 58 when we move so yes at 62, we both will
Todd ********
Be mindful that as Americans…the US consulate in Bkk will not give you a certification letter of monthly income Each need 800.000 thb in a Thai Bank to get the retirement non-o extensions. You can use your money but needs full seasonal a few months prior to each visa extension (once a year). Or get an agent to help on the first go around
Mark *********
You are both young enough to travel for visa renewals to neighboring countries. Why get stuck in the visa treadmill and keep money tied up in Thai banks?
Kim ********
ORIGINAL POSTER
@Mark ********
we do want to travel but we would to have roots, a home base. Hmmm you got me thinking. 🤔
Mark *********
@Kim *******
You can have a place in Thailand and travel to renew visas. The visa merrygoround involving bank deposits, immigration etc is time consuming and soul destroying.
Barney ********
Feb 7's a great birthdate))
John *********
@Barney *******
I thought it is July 2nd.
Bobby ********
Are you allowed to touch the 800,000 tb.?
Jan ******************
@Bobby *******
You may use up to 400K baht after three months, but you’ll need to bring it back to 800K baht two months prior to your next extension, so you might use 400K baht within a seven months window.
Bobby ********
@Jan *****************
How long do you need to keep the 800k in your account please? Or do you continously need to bring it back up to 800k? Thanks
Jan ******************
@Bobby *******
Formally, you only need to keep the 800,000 baht in your account for three months after your extension has been granted, provided that you maintain a balance of 400,000 baht while also transferring 65,000 baht per month for twelve consecutive months. This allows you to switch to the monthly income method at your next extension.

If you wish to continue applying for extensions based on the funds in your bank account, the balance must be brought back up to 800,000 baht two months before you apply each year.
Bobby ********
David *******
You both have to have 800,000bht in a bank for a Non O visa
Jan ******************
@David ******
Only for the first one-year extension of stay before you might switch to the monthly income method. But OP’s question was whether income was required or if future approvals still could be based purely on savings.
David *******
I know, but they would both need the 800,000 bht in a Thai bank account, and as she is American her embassy will not confirm income of the 65,000 each so would have to deposit it in a bank which can be used each month
Stan ******
@David ******
after the one year extension for both of them and let’s say they pull out their 800,000 baht…they would both/each have to show
*****
baht incoming monthly, right? She said she is working, he has no income. Possibly he could show the
*****
baht monthly income from a pension. But both must show it?
David *******
Yes
Jan ******************
It’s either income (65K baht) OR an amount (800K baht) in the account, so that’s fine.
Les ***********
Yes. Sorry.

Things do tend to wander off track.

Please accept my apologies.
Les ***********
@Jan *****************
Some countries still do the Embassy letter.
Jan ******************
@Les **********
The original poster has 800,000 baht to place in each of their accounts. One of them does not have a pension or any income. The question here was not about the formal rules for extension of stay, but whether it is possible to continue staying in Thailand in the future without having a monthly income — that is, solely by keeping the required amount in the bank.

And the answer to that simple question is YES, because it’s either income or funds on deposit.

Feel free to respond to the original poster yourselves if there’s anything you’d like to add.
Greg ***********
@Les **********
the threadstarter obviously is U.S. American citizen, their embassy in Bangkok does not issue an income affidavit any more. They BOTH must show a minimum of 800,000 THB in each's bank account at least in the first year (for the visa, it can be money in a US bank account, for the application to the 1-year extension, the money must have been sitting in a Thai bank account for 2 months)
Les ***********
@Greg **********
Yes.

I noticed a post after I had posted.
J **************
@Jan *****************
then rephrase your first response
Jan ******************
@J *************
Why would I do that, when my response was based precisely on the information provided by the OP? This wasn’t a general explanation of the overall procedure for an extension of stay in Thailand.
J **************
@Jan *****************
not for Americans the first year
Jan ******************
@J *************
That wasn’t the question here. They already have 800,000 baht each, and the question was whether they also needed an income to continue their stay. The correct answer is that this is an alternative requirement — either income or funds in the bank.
Kim **********
You each need ฿800,000. After the first year you can switch to depositing ฿65,000 a month in your account.
Nick ************
@Kim *********
that is WRONG. If you want to change to monthly payments in year two you must make them during year one and keep the required funds in the account to meet the requirements if the extension based in banked money fir year one. Unless, of course. the embassy certified income in which case you can start monthly payments in year one.
Kim ********
ORIGINAL POSTER
@Kim *********
I will look into that… 🤞
Greg ***********
@Kim *******
Most Thai embassies worldwide have discontinued handing out Non-O Dependent Visas. No more new applications possible.

You BOTH need to be over 50 years old, and you both need to apply for the 90-days Non-Imm-O Retirement Visa, each on his/her own, fulfilling the requirements of the e-visa system of the Thai embassy or consulate in your country.

You and your partner BOTH need a minimum of 800,000 THB in each one's Thai bank account in your sole names, seasoned for 2 months on the day you apply for the 1-year extension . .

Once you have set up your Thai bank accounts, you can start to transfer every month a minimum of 65,000 THB, proven it comes from abroad, into your accounts, for 12 consecutive months, not missing one single month.

You can then use a 12-months bank statement for the 1-year extension application in the second year. Once it got issued, you can both pull the 800,000 THB out of your Thai bank accounts
David *******
@Kim *********
incorrect. If you are married to each other then only 1 of you needs the 800K in a Thai bank. You need to get the marriage certificate verified by your embassy, translated into Thai and verified by the ministry of foreign affairs. Doing this means 1 of the married couple qualifies as a "dependent" to the other. So you don't have to keep 1.6 million in a Thai bank.
Chris *******
@David ******
this method is not available in Thailand or evisa anymore.There were reports that Australia still allows it. If they are American they will have to contact the embassy and see. The 90 day over 50 visa dependant/follow visa is near impossible now. BUT once in Thailand on second extension you could possibly change the reason of extension from retirement to dependant. Office specific of course.For whatever reason they are getting rid of the retirement dependant category. We did it from Canada a few years ago but can no longer be done there.
David *******
@Chris ******
😂 I've been doing this method for the past 6 years and just did our extension of stay last month. Or is it because we're British?
Greg ***********
@David ******
you are being "grandfathered" so you can still get one-year extensions on being a dependent of somebody who has a retirement extension. . . . .
@Kim *******
However most Thai embassies worldwide have discontinued handing out Non-O Dependent Visas. No more new applications possible. The OP and his partner BOTH need a minimum of 800,000 THB in each one's Thai bank account in their sole name, seasoned for 2 months on the day they apply for the 1-year extension . . Once they have set up their Thai bank accounts, they can start to transfer every month a minimum of 65,000 THB, proven it comes from abroad, into their accounts, for 12 consecutive months, not missing one single month. They can then use a 12-months bank statement for the 1-year extension in the second year. Once it got issued, they can pull the 800,000 THB out of their accounts
David *******
@Greg **********
is that 65K per person?
Greg ***********
@David ******
yes, transfers from each on his/her own. The "dependent" status apparently is not available anymore in Thailand for new applications. And both need to be over 50 years old
Russell ******
@Greg **********
hi sorry to step in I have a question I'm British married to a Thai lady.what I need to know as my state pension is paid every 4 weeks, giving me 13 payments each year would that be accepted at immigration for my marriage visa or just add the extra money each transfer to make the £30 shortfall up ?
Greg ***********
@Russell *****
as being married to a Thai wife, you will need a minimum of 400,000 THB in your Thai bank account, seasoned for two months, for the application to the first year "extension of stay". Once the "under consideration" 4 weeks period is done and youreceived the 1-year extension, you can theoretically take the 400,000 THB out of the account and use it for means of living. They just need to be back in your Thai bank account two months before your next application to the extension of stay . . . . however you can also switch to the "bank transfer" method . . . . After you entered on the 90-days Non-Imm-O Family Visa, you can start right away transferring every month, month for month not missing a single month, a minimum of 40,000 THB to your Thai bank account. So for the second "1-year extension", you can use a 12-months bank statement. . . . and keep on transferring a minimum of 40,000 THB every month. AFAIK being married to a Thai wife, a minimum of 500,000 THB per year after all allowances will be tax free. . . visit your Immigration for the handout list of requirements. . . . . as they can vary from one office to the other . . . one thing is for sure, in order to apply for the 1-year extension, your marriage needs to be registered in Thailand as Immigration will want to see a freshly printed Kor Ror 22 marriage registry document from the Amphur
Chris *******
@David ******
yes but cannot be a new application. Current extensions are fine.
Kim ********
ORIGINAL POSTER
@Kim *********
thank you
Lynnette *******
Non-O based on Retirement is for anyone over 50.
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