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Do I need to maintain 800,000 THB in my account, and how can my daughter inherit it after I pass?

Sep 1, 2025
11 days ago
Mark *****************
ORIGINAL POSTER
Morning all, once I’ve deposited my 800,000 does that balance have to stay at that amount or is that for my living expenses? Also I am worried upon my passing that my daughter in Australia would not be able to inherit the balance, thank you so much in advance.
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TLDR : Answer Summary
When applying for a one-year extension under the NON-O visa, the 800,000 baht must be in your bank account for 2 full months prior to your application. After receiving the extension, the balance should remain above 400,000 baht for the remaining year. It's advisable to keep the amount at 800,000 baht consistently to avoid complications. Regarding inheritance, creating a local will is essential to ensure your daughter can inherit the funds, and you should also consult a solicitor about specific laws governing Thai assets.
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Keith *******
You may to arrange authorisation of executor to your Thai will. I'm looking into this at the moment myself.
Mark *****************
ORIGINAL POSTER
@Keith ******
Cheers Keith
Keith *******
@Mark ****************
my partner is making enquiries today. I'll get back to you on how she went.
J **************
Get a Will
Peter ******
@J *************
best advice ever
Mark *******
You need yo talk to your local immigration to clarify the rules and a solicitor in thailand for your thai assetts....
Bob **********
If you start transferring 65k baht a month you will be able to use that for your 2nd extension but the money in the bank has to be there for your first year
Brett *********
@Bob *********
best solution for his concerns
Melody *******
Make a will locally, there are rules on how long the actual 800k needs to be on the bank think it’s something like 3 months before 2 months after, if you can just put it in a term deposit and forget about it, interest at bkk bank is 1.6 % so you get a bit more than 10,000 after they deduct the tax, rubbish of course and if it’s locked up you can never fuck up.
Max *************
@Melody ******
The interest rate for an FDA at Bangkok Bank is actually down to 1,25% for a 7 months term and 1,10% for 12 months. New numbers from August 29.
Pete *******
@Melody ******
money must be in an instant access account.
Brook ********
@Pete ******
an interest bearing fixed deposit account is “an instant access account”, and it’s perfectly acceptable to ChiangMai immigration office.
Melody *******
@Pete ******
well Mr mine is in some investment account that immigration has been happy to accept for the past two visa renewals, and yes you can add a d withdraw at will.
Kevin ********
@Melody ******
Is the investment account in Thailand? UK? US?
Brandon ************
If you get the non-O from outside of Thailand then travel to Thailand, in order to apply for the 1-year extension the 800,000 must be in your account for 2 full months already on the day you apply for the extension.

Once you receive the extension, your bank account must remain at 800,000 for 3 full months, and then it can never drop below 400,000 the rest of the year.

Next year, you must bring it back up to 800,000 for a full 2 months before you will apply for the extension.

Repeat every year. It's much easier if you just leave it at 800,000 all the time so you don't have to worry about when to deposit the money to bring it back up to the required amount.

The money is not for your living expenses, it is for emergencies to show the government that you will not become their problem if something bad happens.
Peter ****************
@Graham *****
I remember reading in the Q&A group (Tod Daniels) that imm. only count the 12 months deposits from the start of your year extension. 🤷‍♂️ (I still can have an income statement from my Embassy, so not sure)
Graham ******
@Peter ***************
The deposits must be while on a long stay visa or extensionso you can start on the Non-O. If you start after the extension is granted you may only have 11 deposits when it's time to do the next application.
Grace ***************
@Brandon ***********
thank you for your sound advice.
Mark *****************
ORIGINAL POSTER
@Brandon ***********
🙏🏻 thank you
Andreas *********
@Mark ****************
If you wish your daughter to inherit the funds in your Thai bank account, you will need to make up a "Thai Last Will" for all assets you own inside Thailand. Your Australia Last Will cannot be used inside Thailand
Mark *****************
ORIGINAL POSTER
@Andreas ********
🙏🏻 thank you sir
Peter ****************
@Mark ****************
And maybe an extra possibility because you mention "living expenses". After y'r first year extension with 800k฿ on y'r Thai bank account, you also can use 12 months of more than 65k฿ (international transfer) on y'r Thai bank account. (ask y'r imm. office) So after you have y'r year extension, immediately start the 65k฿ transfer so you have y'r 12 months transfers. This money you can use for monthly living expenses. After that 2nd year extension, y'r 800k฿ 'is free' but you have to continiously transfer that 65k฿. Maybe that's an alternative for you later on.
Graham ******
@Peter ***************
start the 65k deposits before the first 12 month extension is inked in as 12 monthly deposits are needed at the time of the second application which can be 45 days before the first extension expires
Stuart ***********
@Mark ****************
if you deposit 65,000 baht per month, when you apply for your second annual extension you can switch to that method and withdraw the 800,000 baht.
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