ask
Search
Ask
Answered7 months ago

Do I need to sign a 12-month lease to qualify for a 12-month extension of a Non-O visa in Thailand?

Steve *******
asked Mar 25, 2026
14.9k
views
83
replies
136
likes
So, coming from the US, you arrive in Bangkok with a non-O visa for 3 months. You open up a bank account asap and transfer the 800k฿. Then it has to sit there for 2 months before you can apply for the 12 month retirement visa. My question is during this time, do you have to find a condo and sign a 12-month lease contract in order to qualify for the 12-month extension?
Answer summary
Upon arriving in Thailand with a non-O visa for retirement, it is generally required to have a signed lease agreement in order to apply for the 12-month extension. Many responses emphasize the need for a lease and a Thai phone number to open a bank account and secure a residence certificate from immigration, which is necessary for the extension application. Different experiences share varying requirements and procedures, but the consensus is that having a residence lease is crucial for the 12-month retirement visa extension process.
83 repliesnewest first
46

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

LaGenia ********
LaGenia ********
If you have income in multiples of 800k do you still need to deposit that amount
LaGenia ********
LaGenia ********
What do most visa atty charge to help with the LTR VISA
Simon *******
Simon *******
You only need a tm 30 a nonO visa ideally from your own country and a certificate of residence you get from immigration, you do not need a rental agreement, a hotel can give you a tm30 for your residence certificate, you will need 2x pictures for immigration to get the certificate of residence.
Steve *******
Steve *******
OP
I already have a Thai phone number and account with AIS from a previous visit. I’m just trying to get the sequence of necessary events nailed down in advance prior to arriving with a non-O retirement visa. I was hoping to try and work through it myself with a bi-lingual Thai friend as using an agent seems expensive and the more I can accomplish myself the lower the cost should turn out to be if I get stuck.
Alan *******
Alan *******
You have to take your proof of address from immigration to the bank to even get an account.
Michael ********
Michael ********
just get a rental agreement
William ********
William ********
Things must change.

8 years ago I got a 1 year non O, multiple entry visa from thai embassy London for holidays.

ALWAYS try your own countries thai embassy first.

Plan ahead. Less problems.

Changed to non O married, and just Renew every year.
Garth *********
Garth *********
I meant to switch to a different type of visa! Like the non OA…
Garth *********
Garth *********
William Hughes when I change my non O - will I have to return to my home country to re-Apply for a different type of visa!?
William ********
William ********
Garth Gardner No. If a non O you can renew at local immigration.

Check thai immigration website for documents required.

Most want 2 copies, get 3 or 4.

SIGN ALL IN BLUE PEN.

Go a month before expires as each office requires additional documents.

Will give you time to get them.
Sean *********
Sean *********
You will need a lease agreement for where your staying and a thai phone number to open a bank account. Once that's sorted just go to the local immigration office and ask exactly what you need to get your extension. Normally TM30, lease, photos, copy of passport etc. I personally wouldn't use an agent as you might have a problem if you decide later when you renew your visa to do it yourself
Kerry ******
Kerry ******
First you NEED a "proper address".

Not a "room 13 at Om's short time bar and by the hour guesthouse" address.

Banks want an address they can actually send mail to and Immigration will expect to see PROOF that you have a proper residence before they will issue you a Certificate of Residence.

And you NEED that certificate to open a bank account.

So, rent a place, have a copy of the rental/lease contract and (likely) photocopies of the landlord/owner's ID card and House Book (to prove they own/manage the place in the contract).

Set up your electricity/phone/cable/water or other utility bills right away. You don't need "bills" from them now (as it could take 5-7 weeks to get them anyways) but they will be useful when you go to do your Extension in 3 months.

Go to Immigration and get a Certificate of Residence. If you want to purchase a motorcycle and/or get a Thai driver's license (highly recommended) - get 2 extra copies made at the same time.

(You can use a Thai drivers licence as your "proof of residence" when you go to do your Extension as it has your address on the back of it.)

Pay the fee to get the Certificates done right away and don't whine about it. They are (technically) free but unless you want to wait 7-10 business days to get them done, pay the fee to "expedite them".

Then go to the bank and open TWO accounts. A regular savings account that comes with an ATM card and bank book and a Fixed Term Savings account, which comes with just a bank book.

And the only way ANYONE can take money from a Fixed Term account is if YOU go to a branch with your passport and bank book. Even your "wife you met last week in a bar" can't touch that money as YOU have to go to the bank yourself to withdraw it.

Put your 800k in the Fixed Term account and forget about it. As in, don't touch it unless you absolutely have no choice.

If you are really broke, you can have the yearly interest (which won't be much) deposited into your Savings account. Or leave it in the Fixed Term account for a few years. Mine's been in a Fixed Term for over 16 years now.

Then a WEEK before the date your Visa expires, go to Immigration and apply for an Extension of Temporary Stay in the Kingdom (form TM.7 -
**************************************************************************************


You will need lots of paperwork depending on which office you are dealing with.

The TM.7 form. Photocopies (each one signed) of the face page of your passport, the page with your most recent Entry Stamp, the page with your Visa. If you've had stamps transferred from a previous passport - that page as well.

Photocopy/print out of your TM.6 Arrival Card.

Photocopy of the front and back of your Drivers License - or a copy of your rental/lease agreement (with photocopy of the landlord/owner's ID card and house book).

A "Bank Letter" from whichever bank your "Extension" money is in. It's a standard form letter EVERY bank has on their computers. Depending on your account balance, they MAY charge you 100 baht for the letter which verifies you are a customer and "own" the account.

I've NEVER had a problem getting that letter from Bangkok Bank in the 15 years I've been doing Extension Applications.

Photocopy the front (inside) page of your bank book that shows your name and account number.

UPDATE the bank book either the day before you go to Immigration or the morning you go.

Then photocopy the page that shows your updated account balance.

IF your updated balance is on a different page from your previous balance - photocopy the previous page as well. And take your bank book with you "just in case" the IO want's to see it to verify it's really YOUR bankbook.

A "passport sized" recent photograph.

1,900 baht fee for the Extension.

And you go a WEEK before your due date in case YOUR Immigration office has DIFFERENT paperwork requirements (like for proof of residence for example) and you have to do some running around. (And watch out for weekends and holidays.)

At Jomtien they have 2 additional "local" forms they will have you sign. One is a notification of the penalties for over-staying your Visa/Extension and the other is an Acknowledgement of the Terms and Conditions of your temporary Extension of Stay.

I have most of my paperwork for my next Extension application already filled out and in a folder ready to go.

A week before I plan on going I'll update/print/photocopy the rest. The day before I go to the bank for the Letter and Bank Book update.

I generally go early the next morning (take a book). Often they may open the doors at 8 but don't start working until 8:30.

When my number is called, it usually takes about 3-4 minutes for the Immigration Officer to go through my paperwork and highlight the important parts.

Then he attaches a number tag to the paperwork and passport and gives you the matching tag and takes your 1,900 baht fee and tells you to come back the next day (after 10am) to pick up your passport.

And that's it. Barely 5 minutes and I'm on my way. At that point you're pretty sure your Extension will be approved otherwise the IO would have flagged any problems and sent you away to get them fixed.

(Had that happen last year because I forgot to include the photocopy of my driver's license. Zipped out, got the photocopy, back in and he put it with the rest of the paperwork and that was it. Went back the next day and got my passport.)

Pro tips:

* SHOWER and wear CLEAN CLOTHES before you go to Immigration. Trust me - a LOT of people DON'T and YOU don't want to be standing in front of an Immigration Officer when the guy BEHIND you smells like he just woke up on the floor of a bar and staggered into the building.

Because the IO will smell him and think it's YOU that stinks - and Thais really don't like smelly people.

* Have ALL your paperwork completed (including signing ALL the photocopies) BEFORE you even go to Immigration. Frikken annoying when the person ahead of you gets called to the desk and hasn't even started doing his/her paperwork.

I saw one old fart sit down and pull a blank TM.7 out of his pouch along with some other paperwork and just handed them to the IO like he expected the guy to fill it all out for him.

*I generally go first thing in the morning, 30-40 minutes before they even open the doors. I like to be in the first 1-3 people for the Extension desk.

Why ? Because hopefully at that point they won't already be upset by all the twats that come in without the proper paperwork and stink like they live in a dumpster.

As well, going early means if there is a change in what they want (for paperwork) or I've forgotten something, I can zip out, get (whatever) and get back so that my application won't be delayed and I can still get my passport back the next day.

*Some people go around 10:00 by which time the "morning rush" has usually died down. Or right after lunch.

*Watch out for public holidays ! Don't go on a Friday or Monday morning as they are usually the busiest times even if it isn't a holiday weekend.

Watch out for holidays that happen on Thursdays or Tuesdays as they MAY give their staff the (Friday or Monday) off as well.

One year there was a holiday on a Friday and my 90 day report was due on the Saturday. I went in on Monday but they were closed - because Tuesday was also a holiday !

So they were actually closed for 5 straight days.

You should have seen the line-ups on Wednesday morning !! I arrived over an hour before they normally opened the doors and there was a dozen people ahead of me.

By the time they opened the doors, the line was out the parking lot and up the street.

I got my report done and left about 08:40 and despite all the people that were in the building, there was still a line up the street with over 100 people waiting.

Note - at Bangkok Bank they would NOT give me "internet" access to my accounts until AFTER I got my first "annual extension".
Randy ******
Randy ******
ARE YOU SERIOUS???? Unless you must retire in Thailand ( Thai wife, Thai children), I don't see the point. it is just not worth the hassle. I spent all my life doing the LEAST amount work to survive. I aint following any of that. Rather retire in the Philippines where none of that bureaucracy exists. Hotter women, speak American. Food sux so does Thai food
พอล *******
พอล *******
Randy Peel or try Cambodia almost no rules 
Steve **********
Steve **********
Ten years ago I arrived with a Non O which I got from Malaysia. Then waited for 45 days to convert to a 1 year Retirement Visa.

Just renew every year now.
LaGenia ********
LaGenia ********
How much per person for a visa atty. If my spouse is my dependent do I still have deposit 800k baht for him too
James **********
James **********
LaGenia Carter 800k per person
Pat *******
Pat *******
I believe you need a lease agreement and a Thai telephone number in order to open a bank account. You should take care of finding a condo in the first couple of weeks and then your bank account within the next week. So you really have to hit the ground running, no time to party ha ha ha

Good luck. 🙏🇹🇭🙏
Björn **********
Björn **********
Getting a bank account now a days without a long term visa is not that easy

So better apply for that from your home country first will help you out
Wannikea *********
Wannikea *********
Before you open that bank account you're going to have to go to immigration and get a certificate of residence. Because the bank will want to see that, and your immigration office may require a medium length rental agreement / lease before they issue the certificate.
Michael ***********
Michael ***********
Wannikea Wanblee I wasn’t required this. Lease was enough
Steve *******
Steve *******
OP
Wannikea Wanblee Well that absolutely sounds like a catch 22.
Scott *******
Scott *******
It is for sure. You get stuck in a loop and can’t get out 😂
Cynthia ******
Cynthia ******
Get a Thai phone number as soon as you get here first. Please take your passport when you go to AIS or True.
Jacques *******
Jacques *******
Cynthia Moss I'm coming with vosa tourist, rent a home, ask 3 month visa and open bank account with 800k. 2 month after I go immigration and ask one year extension without problem.
Cynthia ******
Cynthia ******
Jacques Elias The reason why I mentioned the phone number is when opening up a bank account to deposit money, they will help installing the app.
Larry *********
Larry *********
Cynthia Moss what was his question ? phone or condo ? lol
Kim *********
Kim *********
Larry Wheeler she knows what it was about and gave good advice regarding getting a bank account because a Thai sim card is one of the requirements. What a comment 👇
Cynthia ******
Cynthia ******
Larry Wheeler It was about a condo and the bank. In order to do anything, we all need a Thai phone number. Is this correct? If not, then I'll remove the comment.
Kim *********
Kim *********
Cynthia Moss it's correct what you said 👍Larry was way off and I just told him that.
Paul ********
Paul ********
All bzdswith imm
Lester *********
Lester *********
The answer is No
Pascal ********
Pascal ********
12 month retirement visa
*****
5, this even doesn´t exist.
David **********
David **********
Pascal Dumont Your 'correct' sentence is full of errors!
Doug *******
Doug *******
David E Moore He just can’t resist adding useless drivel in this group centered upon offering ADVICE.
Steve *******
Steve *******
OP
Pascal Dumont “extension” then, can’t you read between the lines. Play on words.
John *********
John *********
Non O Retirement Visa apply online before you travel. Find a Condo, this time of year is the best time to do so. Armed with your lease you open your bank account. Then your mobile contract. You have 90 days. The 12 month Visa is an extension of what you already have.It’s NOT a new Visa. So from entry to your first proper extension is 15 months. I would advise an agent for your first Visa. 12-15K in your Hand 2-3 days. Then you deposit your 800K + and forget about it. From that moment on you extend it yourself.
Doug *******
Doug *******
Scott Blair Money talks? I’ve been a songwriter all my life. I deposited 1000 TBH into the account on the day I opened it. To be clear I did have documentation proving accommodations, just not a certificate of residence from immigration 🤷
Scott *******
Scott *******
A lease is not good enough these days to open a bank account. You have to visit Immigration to get a certificate of residence. Otherwise no bank will entertain you. Or even an agent.
Doug *******
Doug *******
Scott Blair I just opened an account with Kasikorn and did not have a certificate of residence from immigration.
Steve *******
Steve *******
John Kenealy That won't work as your initial visa/extention via an agent will not have fulfilled the requirements of leaving 800k in your account for 2 months before and 3 months after receiving your extension, therefore you'll need to use an agent again for each subsequent year!
John *********
John *********
Steve Greir - Three years on and I’m still here….

Each to their own
Doug ********
Doug ********
Steve Greir..can do 65k monthly though ,that would work
Steve *******
Steve *******
Doug Powell Nope, because you haven't fulfilled the previous years extension requirements
Steve *******
Steve *******
OP
John Kenealy I’m not going to be there until September or later. Just trying to get the ducks in a row and I think they just scattered! 😳
Ann ****************
Ann ****************
Our plan is to get a 1-year lease in Chiang Mai and then take trips to other Thailand and SE Asia spots. Will cost more money but I don’t see a workaround that would work for us.
Kevin ****************
Kevin ****************
Ann Parris Estill so you're planning on staying long term on a tourist exemption and extensions? And border bouncing??

You might want to do more research because this is exactly what Thailands clampdown and enforcement is trying to stop. ( long stay tourists on tourist visas. )

Depending on your "work"- a dtv may be your option ?
Ann ****************
Ann ****************
Kevin Gary Shingler No. We will be getting the Non-O visa and paying for multiple entry, with yearly exemptions. We will put the required money in a bank and follow all procedures. I never said we would be “bouncing”. We will have a full-time condo in Chiang Mai and then visit other countries, while still following all requirements.
Thrilling*********
Thrilling*********
Ann Parris Estill multiple entry, costs 3800bht but no messing with re-entry.
Ian ********
Ian ********
Seems a bit of a catch22 situation
Liam ***********
Liam ***********
6 months for me ,no questions asked,korat
Mick *****
Mick *****
Liam O'connell same in Chiang mai
Ann ****************
Ann ****************
I think you have to have a lease already before you can get a bank account. Which doesn’t leave you much time to find a rental and get money in the bank to season for 2 months. I am trying to figure this out also.
Michael ***********
Michael ***********
Ann Parris Estill

You can get another e-visa if you run out of time. That’s what I did due to a Wise delay.

Left for a few days and came back with new e-visa. FWIW be sure to get TM30 resubmitted (easy to overlook if returning to same lease situation)
Steve *******
Steve *******
OP
Ann Parris Estill Yep, that makes it worse, especially when no one wants to refer you to a real estate agent/property manager until you are actually in Bangkok and ready to rent.
Peter **********
Peter **********
Steve Brown It’s Karma. Too much history or tourism rather than residence.
Jan ******************
Jan ******************
Ann Parris Estill You’ll normally need a residence certificate for to open a bank account, and it varies between immigrations what long-term living situation they require for issuing.
Dante **
Dante **
Ann Parris Estill I can’t work out why immigration and/or banks thinks retired means staying in one place and not traveling around Thailand.
Paul ***********
Paul ***********
Dante Dont confuse yourself. Fix the visa and then travel where you wanne go.
Dante **
Dante **
Paul Bengtsson traveling around while you’re stuck with a 12 month lease somewhere you are not living ?
Doug ********
Doug ********
Dante because retired means settled....travelling around hotel to.hotel is not settled...is more like a tourist
Dante **
Dante **
Doug Powell if the only thing you are allowed to do as a retiree in Thailand is stay in one place and wait to die then they might as well not have the visa.
Paul ***********
Paul ***********
Doug Powell You sound confused too.
Grant ******
Grant ******
We didn't have to have any money in a Thai Bank Account, the Thai Embassy in Aus just required proof that we had sufficent funds in our Australian Bank Account, and that the funds had been there for at least 3 months prior to applying.. It should be the same for US citizens, give them a call. Good Luck!
Wayne ********
Wayne ********
Grant Good you’re in for a big surprise when you go to apply for your one year extension, which will require you to have 800 K in a Thai bank account in your name two months prior to you application for the one-year Ext. You may have been responding about the Visa application, He was talking about the Ext, which made your comment about not having to have any money in the bank seem irrelevant. 
Grant ******
Grant ******
@Wayne *******
Thanks for your invaluable advice, and your inpending shock warning... The query was for a first visa, not a renewal!
Wayne ********
Wayne ********
Grant Good if you read the original post, the individual was talking about the 800,000. He had to put in the bank to apply for his Ext. You made the comment. Oh we didn’t have to put any money in the bank “we only had to verify using bank statements”

two completely different situations.  and it’s not a renewal of a visa it’s an application for an extension of stay.
Barath *******
Barath *******
Grant Good, Steve wrote 'you arrive in Bangkok WITH a non-O visa for 3 months. He's asking about the 12 months extension.

For this extension, I understand you'll need the 800K and tenancy agreement. Am I correct?
Ron ******
Ron ******
Grant Good He's asking about after arriving in Thailand not applying for the Non O in home country.
Graham ******
Graham ******
Ron Duke no he's arriving on a Non-O and preparing for the 12 month extension which does require funds in a Thai bank account or an Embassy income affidavit
Steve *******
Steve *******
Gregg Davis Nope. 12 months extension of stay requires funds in a Thai bank. Non Imm O and OA use funds in any bank account
Gregg *******
Gregg *******
Ron Duke funds in an Australian Bank can suffice on a Non OA visa. Non O requires funds in Thailand.
Ron ******
Ron ******
Graham Seal Isn't that what I said? I was replying to a comment about fund requirements before arrival which was irrelevant here.
Jan ******************
Jan ******************
Immigration dependent, but you’ll normally need minimum a three months lease for the one year extension of stay application.

Activity

46 joined
Steve *******
Steve *******
Steve *******
Steve *******
Steve *******
Steve *******
46
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 use the Non-O retirement visa for three-month stays and return home without issues?
3.7k10961mo
What is the process for obtaining a Non-O retirement visa and the one-year extension in Thailand after the initial 90 days?
7.8k69852mo
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
What documents do I need to travel to Thailand for 88 days with my Thai wife?
18.2k1562133mo
What type of visa do I need for a 1-year stay in Thailand as an expat?
38384mo
Is a 2-month seasoning period acceptable for a Non-O visa extension in Thailand?
5.6k211295mo
Do I need a Police Clearance Report from Canada for a Retirement Visa in Thailand?
6k151548mo
What are the risks of signing a six-month lease agreement in Thailand while on a Non-Immigrant O retirement visa if my extension is denied?
7653119mo
How long does it take to get a Non-O visa and extension with the help of an agent in Thailand?
4.4k32579mo
Can I apply for another Non-O visa after returning to the US if I used my Non-O visa to enter Thailand?
4.1k39309mo
How long does it take to convert a Non-O visa to a retirement visa in Thailand?
8.5k581121y
What are the implications of booking an exit flight for a retirement visa in Thailand?
7.7k561061y
What are the required bank statement dates for a NON-O retirement extension in Thailand?
2.3k15162y
Do I apply for a retirement visa for Thailand in the USA or after moving there?
1.6k1382y
What are the actual requirements to extend a Non-O visa in Thailand for retirement?
1.6k1182y
What are the requirements for applying for a Non-O retirement visa in Bangkok regarding bank accounts and leases?
1.3k1043y
Which visa should I apply for in Thailand: Non-O based on retirement or marriage?
1.8k10203y
What is the best strategy for obtaining a Non-O visa in Thailand for retirement?
2.2k13223y
How do I apply for a retirement visa in Thailand as an American citizen nearing the end of a visa exempt stay?
2.9k23243y
Can I deposit cash for the 800,000 baht requirement in my Thai bank account for a Non-O visa extension?
2k11223y
Can I switch to the 65k monthly transfer rule for my Thai Non-O retirement visa, or do I have to maintain the 800k rule until my next extension?
2.5k17304y
What are the requirements for applying for a Non-O visa and opening a bank account in Thailand?
2.9k2984y
Do I need to inform immigration that I'm retiring to get a retirement stamp on my Non-O visa for opening a bank account in Thailand?
2.6k24115y
Can I fund my Thai bank account after applying for a Non-Immigrant O Visa to meet the seasoning requirement?
846535y

Resources

Need help with your retirement visa?