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Do I need to pay taxes in Thailand if I stay for 180 days but don't have a bank account there?

Oct 3, 2025
7 months ago
Tasha *****
ORIGINAL POSTER
Hello. I've been traveling to Thailand for 6 weeks at a time (I work abroad, 6 on, 6 off) and have just come across the 180 day tax requirement. But I have some questions... I do not have and do not want or need a Thai bank account. I pay US taxes but will be qualified to have my income covered by the foreign income tax credit this year, so I shouldn't owe anything other than the SS / medicaid. Given these factors, do I still need to pay taxes or file anything in Thailand since I'm arguably not bringing money into a Thai account? I'm interested in applying for the DTV so it'll make my leave breaks easier but I'm not sure if I can as an independent contractor or if this would complicate tax issues..

I just want to make sure I'm doing everything legally but also don't end up paying Thai taxes if I don't even need to pay US taxes.
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TLDR : Answer Summary
The individual is questioning their tax obligations in Thailand, particularly regarding the 180-day residency rule. Several comments clarify that being resident for over 180 days may imply tax liability on income brought into Thailand, regardless of whether it is deposited in a Thai bank account. The discussion also touches on the possibility of having a Digital Nomad Visa (DTV) and the implications for independent contractors. There are mentions of the U.S. tax agreement with Thailand that can mitigate double taxation on certain incomes.
DTV VISA RESOURCES / SERVICES
Jay *****
This video may help everyone with tax questions. Especially us digital nomads
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Peter **********
@Jay ****
It doesn’t help anyone as the proposal hasn’t come through.
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Jay *****
@Peter *********
it does help as it’s a clear indication that the government know they screwed up when they released that and are looking at revising it as they are losing loads of money from it.
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Peter **********
@Jay ****
1) It was only a proposal

2) It’s from a former government - new governments have new strategies.

3) They can’t get it through with the current interim government.

The whole video is completely irrelevant for fiscal year 2025. Spreading false hope doesn’t help anyone. On the contrary!

Meanwhile the interim government has already declared that upgrading tourism is their primary scope. Not the amendment of taxes on foreign earned income.
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Peter **********
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Mike **********
NO. If you have a DTV like me you are able to work remotely in thailand without tax implications. If your US company does not have a representation in thailand than it is almost an impossible fete to even start to pay taxes. With a DTV remote worker visa you have to leave at least every 180 days. I leave often because i also work in Japan in an office so i am in and out and never hit 180 days. Please dont listen to these people they will have you running in circles. I am sure there are 1000’s of people working remotely in thailand without a visa.
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Alastair *******
@Mike *********
incorrect. I have dtv and did Thai tax return for last year. Due to dual tax agreement no tax was owed.
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Pete *******
@Mike *********
a simple google search confirms just how inaccurate this statement is. Read the actual Thai tax law before making such ludicrous claims.
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Jay *****
@Pete ******
it’s about thinking critically not simply obeying because that’s what the law states. Boy I wish I could be that gullible. Unfortunately I’m not. And the news is the Thai government is already working at remitting that law as it has caused more confusion then compliance. Just a little research reveals that was not the intended outcome they were thinking and wanting as it was not clear enough. Therefor my good ol Petey unless you are transferring thousands upon thousands of dollars or recently bought a villa or condo or getting ample income through a Thai company. It’s best to use your discretionary thinking and moral compass to decide to pay the taxes or not. Regardless the Thai government is working on fixing this grey area “law” and to all my digital nomads who are earning an income online through a western company and paying your living expenses. I wouldn’t worry about this law.
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Pete *******
@Jay ****
more nonsense. You think critical thinking is not following the rule of law because you don’t agree? I don’t have a crystal ball to know what the Thai government have planned and neither do you. You believe that discretionary thinking and applying a moral compass to your tax affairs is a valid option, just how foolish are you?
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Jay *****
@Pete ******
hahaha 😂
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Pete *******
@Jay ****
a standard reply of someone with zero critical thinking skills or knowledge of the subject matter.
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Jay *****
Pre mature, you just keep paying those taxes like you always have and always will Petey, follow those laws without question. 🤓
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Jay *****
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Mike **********
@Pete ******
think what you want but i have been doing it for years and will never pay thai taxes as i dont make money in thailand from a company in thailand.
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Pete *******
@Mike *********
it is not for me to think one way or the other. It is Thai tax law. Up to you if you comply or not. But bad advice.
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Jay *****
@Mike *********
exactly same here. That makes more sense to me. Doesn’t make sense to live in Thailand as a remote worker for any given timeframe and not work for and get paid by any Thai company but expected to pay taxes because you stayed longer than 180 days??? This is clearly meant for those with businesses or ppl working for a Thai company getting paid by the Thai company.
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Pete *******
@Jay ****
Again more complete nonsense. Read the actual Thai tax law before commenting.
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Pete *******
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Jay *****
Reality is I’ve been staying in Thailand for over 5 years working remotely and have never paid Thailand taxes. I know plenty of people who do the same. It’s more aimed at businesses than DTV holders or people working remotely.
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David **********
@Jay ****
what laws are "aimed at" is irrelevant. If you bring money into Thailand and you are a tax resident, you may have a tax liability.
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Jay *****
@David *********
it’s very relevant and not so general as you might think. Especially with all of the political changes and expectations. “You may have a tax liability” says it all
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Pete *******
@Jay ****
the fact that you may be non compliant with Thai tax law is not something you should be recommending to others.
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Pete *******
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Peter **********
Being here over 180 days makes you a tax resident. You are paying bills here so obviously you’re bringing funds into Thailand. Whether that is through bank transfers or on the back of a donkey is irrelevant to your tax situation.

On the brighter side of things, tax liabilities are only calculated on the amount you brought in, likely the same as the amount you spent.

You can deduct a number of deductibles. There a reference to the list of deductibles in the group about tax rules:

Thailand Tax rules for expats

On top of that, the first 150k (after deductions) is taxed at zero percent. And last best, if taxes have already been paid in USA then the relevant tax (related to the Thai “income”) can be offset.

Very likely your net tax will be zero or near zero.

Note that taxability of income depends on the source of your money. Two factors would be really important for you:

1) If you can demonstrate the money was earned in a year before becoming tax resident (I.e. it was in your bank on
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/2024) then it will not become taxable income in Thailand.

2) If your income originates from US social security then Thailand can not tax it as per the Double Tax Agreement between USA and Thailand.

Further information: Join the group mentioned above.
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Glenn *******
Long story short if you're in Thailand for more than 180 days in a tax year you are liable to report your income I think USA has a a tax agreement with Thailand but you must report if you are in Thailand for 180 days or more that makes you a tax resident regardless of what anyone says
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James *******
Just ignore it.
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Pete *******
@James ******
not an intelligent strategy
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Marc ********
@Pete ******
for trolling sure
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James *******
@Pete ******
it's fine. Just relax.
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James *******
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Jim *******
And you came here, FaceBook, go to some tax agent, not to anyone unqualified who is listening to you.
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Michael ********
If your 6 on 6 off why not just go somewhere else for one six week rotation so you dont get to 180 days
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Graham ******
@Michael *******
or take a 2-3 week holiday outside of Thailand annually
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Michael ********
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David **********
@Michael *******
yep, that's what I did last year.
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David **********
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Michael ********
@Graham *****
yes exactly what i do if my days in country are getting close to 180
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Michael ********
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Pete *******
You have a few things confused. The fact that you do not have a Thai bank account is irrelevant to your Thai tax liability position. The fact that you pay US tax on your income does not prevent Thailand also taxing your US income when you are a Thai tax resident. The fact that you are not bringing in income into a Thai account is irrelevant. The facts are that you are bringing in funds into Thailand and that may attract a Thai tax liability.
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David **********
@Pete ******
To be clear, the Thai Revenue Department can only tax money imported into Thailand.
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Pete *******
@David *********
to be clear the Thai Revenue Department can only tax assessable income remitted into Thailand.
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Pete *******
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Paul ********
@Pete ******
Or not.
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Pete *******
@Paul *******
“may” implies “may not”. It depends.
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Pete *******
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Tasha *****
ORIGINAL POSTER
@Pete ******
wow. Well then I guess I'll be sure to spend less than 180 days there
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Pete *******
@Tasha ****
you can legally reside in Thailand full time without having a Thai tax liability. It all depends on your personal financial circumstances.
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David **********
@Pete ******
You can be a tax resident and not have a tax liability - if you only import a small amount of money.
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Pete *******
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Pete *******
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Lynnette *******
180 days continuously in the country, not accumulative.
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Alastair *******
@Lynnette ******
its 180 days in a calandar year as the Thai tax is the calandar year
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Lynnette *******
@Alastair ******
I've already got this info.
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Lynnette *******
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David **********
@Lynnette ******
it's accumulative - not consecutive.
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Lynnette *******
@David *********
yes, I saw that already.
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Lynnette *******
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Peter **********
@Lynnette ******
Wrong. Its aggregate. Find a better tax lawyer.
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Lynnette *******
@Peter *********
don't need one.
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Peter **********
@Lynnette ******
Yeah. We all know that you don’t have a tax consultant… 🙄
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Lynnette *******
@Peter *********
"we all know". No, you don't know diddly squat.. As I said, I'd check again with him because, you know, it's possible I misunderstood what he meant. But then you're not smart enough to understand what I wrote, too busy trying to score a point. Lol.
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Peter **********
@Lynnette ******
In fact I am too busy explaining the true tax consequences (see my other comment) and correct the mistakes that ignorant people press out of their keyboards in an anxiety to draw attention because they have nothing better to do.

Does that explain it a bit better, miss pot-and-kettle second-hand-misunderstood-knowledge-because-by-herself-she-knows-diddly-squat-on-a-subject-which-she-comments?

My best guess is that you misunderstand more than only your accountant, including years of education by your poor mommy. 👍

PS Don’t forget to block me. I’m sure someone in your neighborhood can demonstrate how it’s done. 🤣
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Lynnette *******
@Peter *********
I've no need to block you. I'm amused by sad blokes who think hurling abuse at people on line is ok. Especially women. Accusing me of lying about using an accountant, then of being attention seeking, ignorant, anxiety ridden keyboard person because I posted something incorrect. Something I later said I'd check properly. Isn't that the sensible thing to do? No, you twisted and manipulated what I said to try and look clever. You failed. You're so ridiculous. Another online bully.
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Peter **********
@Lynnette ******
Ah. Now it’s a sex thing. 🤣🤣🤣
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Peter **********
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Elías ********
@Lynnette ******
I'm not sure about Thailand so I'm not commenting on this, but in my home country, for instance, it's continuous not cumulative. But in many other countries is either continuous or cumulative.
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Lynnette *******
@Elías *******
if it's cumulative then they'll have to send some tourists a tax bill 🤷.
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Lynnette *******
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Mark *******
@Lynnette ******
its over 180 days in a calender year.
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Michael ********
@Lynnette ******
No its acclumative
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Yo***
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Lynnette *******
@Yo***
yes, I'm tax resident in UK unless I stay over 180 days in another country.
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Nick ************
@Lynnette ******
I think you are a little confused.
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Lynnette *******
@Nick ***********
I'll just wait for the Thai authorities to send me a tax bill after my holidays.
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Lynnette *******
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Tasha *****
ORIGINAL POSTER
@Lynnette ******
see that's confusing too cause everything I've read is accumulative lol.
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Lynnette *******
@Tasha ****
people could take a 3 month holiday twice a year and it would be strange to suddenly have to pay tax. 🤷
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Tasha *****
ORIGINAL POSTER
@Lynnette ******
ya that's why I thought this whole thing was weird. I guess arguably I would be spending half my year there. But it seems over the top to make me pay taxes if I'm not a resident and make income outside of the country. But like I said I just want to make sure I don't have problems since I'm going back and forth.
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Ling *****
@Tasha ****
this. I am on a retirement visa. I do my 5 months or so in 1 hit so I know exactly how many days I stay in Thailand each year. What I would do in your case is count the number of days for each visit you do and then make sure you never go over 180 days per calendar year. That way you not be considered to be a tax resident for Thailand. I like you also earn money from my investments from home which are taxed at home and my taxes are paid at home. Yes my country also has a dual tax agreement with Thailand but I don't want to go there and start doing that. My way of avoiding all the Thai tax grab is not to stay over 180 days a year, I couldn't handle doing tax both at home and there. Good luck.
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Ling *****
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Lynnette *******
@Tasha ****
my accountant said differently. I'll check again.
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Lynnette *******
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Elías ********
180 days just makes you tax resident, but it doesn't always mean you have tax liability. If you don't make money from Thailand and you haven't done remittances, you might not have any taxes to pay.
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Tasha *****
ORIGINAL POSTER
@Elías *******
ok... Everything I've read is pretty confusing cause some sources say that even if my income is outside of Thailand I'm responsible for taxes. But with my rotation maybe I can just travel outside of Thailand to stay under 180 days to be safe.
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Mike **********
@Tasha ****
you have to leave at least every 180 days regardless with a DTV. If there were tax implications then everyone on a marriage visa, retirement visa would be subject to it. Dont make this complicated. If you dont receive monies from a company that has a presence in thailand you dont pay taxes.
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Todd *********
@Mike *********
couldn’t really be more wrong.
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Mike **********
@Todd ********
what part you are required to leave every 180 days. Because there is a date when you get stamped into the country.
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Todd *********
@Mike *********
if you are referring to the DTV, you must leave OR extend every 180 days. No requirement to leave. Many other visa allow longer stay than 180 days also.
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Mike **********
@Todd ********
i consider any trip to immigration a requirement to leave.
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Mike **********
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Todd *********
@Tasha ****
Elias does not understand that all monies you bring into Thailand are remittances. Many people have sorted him out, but he persists. Reality is not his friend. But if you keep your days at 179 per year, you have no tax obligation to Thailand
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Elías ********
@Todd ********
all monies brought can be subject to tax, correct. But there's people, like me, who DON'T bring any money. Card payments aren't remittances, unless you or anybody else can show me an official text, from the Thai government (not this blog, or that YouTube channel guy) written either in English or Thai stating otherwise.
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Pete *******
@Elías *******
The Thai Revenue Department has published guidelines on what constitutes a remittance. The act of “ bringing into Thailand” funds by any means, whether electronically, by apps, through third parties, ATM withdrawals, via debit or credit cards, physically via cash, gold, etc are all classed as remittances for tax purposes.
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Elías ********
@Pete ******
Interesting. Do you have the file or link for those guidelines?
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Todd *********
@Elías *******
Jesús man. How many times must you be told. This is simple stuff. You are absolutely daft to continue your naive pathway of total ignorance.
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Pete *******
@Elías *******
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/886.html

Question 8.
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Todd *********
@Elías *******
your inability to grasp the basics is a personal problem. Intellectual deficit so to speak. Here is a hint IF YOU LIVE IN THAILAND YOU REMIT MONEY TO LIVE THERE. It's simply not possible to believe anyone with a double digit IQ thinks they are gaming the tax system by paying for goods and services with fully traceable credit card transactions.
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Elías ********
@Todd ********
I'm not trying to game the system, I just don't remit money because I don't need to. I work for a company from my country, they pay me in my country. Why would I send any money to Thailand? Said so, even if all remittances were tax free, I still wouldn't be doing any remittance, because I can pay everything with the cards, bank accounts and apps from my home country. It's only you who ridicule yourself by exposing your inability to understand that there are different ways to live, especially in this modern age, and different banks and apps from other countries that work in Thailand in ways you obviously can't even imagine 🤷🏻
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Todd *********
@Elías *******
as you will learn in the future, every satang you spend in Thailand as a tax resident is a remittance to thailand. We ALL have income from foreign countries. We all earn that money in another country. And we all understand fully that any monies NOT earned in thailand are monies remitted to thailand. By us. Why do you think Thailand has now delineated 180 days for tax residency? And if you seriously think I wasn't aware of alternate methods a decade before you, you are hilarious. You are last one to arrive at the table of basic knowledge mate. You simply are not capable of understanding 1- the english language 2- basic definitions 3- international taxation
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Todd *********
@Elías *******
re·mit·tance

/rəˈmitn(t)s/

noun

a sum of money sent, especially by mail, in payment for goods or services or as a gift.

"complete your booking form and send it together with your remittance"

the action of sending money in payment.

"remittance may be made by credit card"
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Todd *********
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Elías ********
Also, check what the US-Thailand dual tax agreement (in case it exists) says.
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Elías ********
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