Ask question
This is NOT an official government website. We are an independent resource providing information and assistance to travelers.

Do the 800,000 THB bank requirement for Thai visas need to be from an international transfer?

Dec 30, 2025
4 months ago
Alan *****
ORIGINAL POSTER
Does anyone know for sure if the 800k sitting in the bank have to be an international transfer.
6,881
views
172
all likes
61
replies
28
users
TLDR : Answer Summary
To apply for a 90-day Non-O visa conversion in Thailand, the 800,000 THB must typically be an international transfer. However, for a 1-year extension under a Non-Immigrant O visa, proof of the funds coming from abroad may not be necessary. Different immigration offices may have varied requirements, leading to inconsistencies in what is accepted. It is advisable to check with your local immigration officer and bank for specific rules and options for transferring funds, as experiences shared by members of the community suggest that policies can change. Some users noted issues with using services like WISE and recommended proper channels such as SWIFT transfers to ensure the funds are identified as international.
90 DAY REPORTING RESOURCES / SERVICES
  • Use the trusted Thailand 90 Day Reporting Serviceto get your in-person report done and mailed to you for as low as 375 THB (even if the online system doesn't work for you).
  • For immediate assistance, contact Thai Visa Centre directly via LINE at @ThaiVisaCentre or Email them.
  • Join the Thai Visa Advice Facebook Group to ask your questions, and get advice from others.
Steve ******
If I want to come on a non O and then get the 12 month extension, do I need a rental agreement for three mi this? I just want to travel around and then maybe get a condo?
Like
Reply
Yo***
@Steve *****
to be honest, I found out that it is not worthy expecting a clear answer from here about authority things like immigration or bank etc.. In fact, there are too many various cases fully depending on who are you facing. Fully depending on this. I also had such experiences before. The officer discretion in Thailand, local government or immigration or police whatever is so big and backed up by strong law and culture. Corruption? bribery? or whatever you think can be not fully illegal depending on case. There is a space between legal and illegal. This is very unclear too. Foreigners can not know this. Even, Thai people do not know too. Thailand is very strongly with family and brother or sister relationships for long long times. We do not know this. Only you can take an answer from your immigration officer in your place. but this answer can be changed tomorrow. No one can guarantee. your immigration officer you face in your local immigration office even says A today, he or she can say B tomorrow. And what she or he just will say to you, sorry but this is policy. nothing can help you in this case. I also had this kind of things before. I just wasted my money and times and my energy only. They just said to me, sorry but this is the policy here. Nevertheless, who knows? your immigration officer is so kind person? noone knows. 😅
Like
Reply
Steve ******
@Yo***
cheers I do understand but it would be nice to know a firm set of rules, but hey Thailand is still Number One 👍
Like
Reply
Yo***
@Steve *****
yes, except this things, Thailand is good! That is why many still live here despite it.
Like
Reply
Reply to
Yo***
Reply
Graham ******
@Steve *****
that depends if it is a requirement at your Immigration Office
Like
Reply
Reply to
Graham ******
Reply
Sean *******
Why can't it be the wife's money ?
Like
Reply
Petrov ********
If you change status of visa need to transfer money from abroad.
Like
Reply
Petrov ********
If you change your visa status should transfer money from abroad.
Like
Reply
Petrov ********
(1) Each permission shall be granted for no more than one year.

(2) An alien, who has been granted a Non-Immigrant Visa category O-A under the criterion for consideration (6), will be permitted to stay for a duration in accordance with the coverage period of insurance policy, which shall not exceed one year at a time.

Criteria for Consideration

Must have been granted a non-immigrant visa (NON-Immigrant Visa).

Must be 50 years of age or over.

Must have evidence of monthly income of no less than 65,000 Baht or

At least 2 months prior to the filing date and at least 3 months after being granted permission, an alien must have a deposit in a commercial bank located in Thailand or in a specialized financial institutions established under specific laws of no less than 800,000 baht. After being granted permission for 3 months, an alien can withdraw the said deposit and must have the remaining balance in the bank account of no less than 400,000 baht or

Must have an annual income and maintain a deposit in a commercial bank located in Thailand—or in a specialized financial institution established under specific laws—with a total amount of not less than 800,000 baht as of the filing date. The deposit must remain in the account for at least two months prior to the filing date and for a minimum of three months following the granting of permission. After this three‑month period, the deposit may be withdrawn, provided that the remaining balance in the account is not less than fifty percent of the original deposit amount.

Only for an alien, who has been granted Non-Immigrant “O-A” Visa, must have health insurance or non-Thai social welfare covering medical expenses including the ones for Covid-19 disease with the coverage of no less than 100,000 USD or 3,000,000 baht for the entire duration of stay in the Kingdom.

6.1) In case of purchasing Thai health insurance, an alien can purchase through the website: longstay.tgia.org

6.2) In case of purchasing foreign insurance or having non-Thai social welfare, it must be certified by a foreign embassy in Thailand or a signature of authorized person on submitted documents (Notary) must be certified by the Ministry of Foreign Affairs of an applicant.

6.3) In the case of insurance company totally or partially denies a health insurance’s purchase, an alien must have a deposit in a commercial bank located in Thailand—or in a specialized financial institution established under specific laws of no less than 3,000,000 baht at least 2 months prior to filing an application or have a deposit in a commercial bank located in Thailand—or in a specialized financial institution established under specific laws and other health insurances with total sum of no less than 3,000,000 baht for medical treatment and evidence of denying health insurance’s purchase certified by the said insurance company or a foreign embassy in Thailand or a signature of authorized person on submitted documents (Notary) must be certified by the Ministry of Foreign Affairs of an applicant, depending on circumstances. However, income or deposits according to criteria 3, 4 or 5 must not be included in the calculation.

An alien entering the Kingdom before October 21, 1998 and has been consecutively permitted to stay in the Kingdom for retirement, In this case, an alien must have a fixed income with a deposit maintained in a bank account for the past 3 months of no less than 200,000 baht per year or have a monthly income of no less than 20,000 baht.

List of Documents

Application form

Copy of applicant’s passport

Evidence of income such as a retirement pension or interest or dividend and/or

Fund deposit certificate issued by a commercial bank located in Thailand or in a specialized financial institution established under specific law and a copy of bank account

Only an alien according to the criterion for consideration (6) is subject to the following criteria:

5.1) In case of purchasing Thai health insurance, an alien must have insurance evidence in accordance with the form approved by the Office of Insurance Commission (OIC) by checking at the website: longstay.tgia.org

5.2) In case of purchasing foreign health insurance or having non-Thai social welfare, an alien must have a certification letter from a foreign embassy in Thailand or a certification letter of authorized person’s signature on submitted documents (Notary) from the Ministry of Foreign Affairs of an applicant in accordance with the form prescribed by the Ministry of Public Health.

5.3) In case an insurance company totally or partially denies a health insurance’s purchase,

5.3.1) In case of purchasing health insurance in Thailand, an alien must have a letter of denial issued by the said insurance company.

5.3.2) In case of purchasing foreign health insurance, an alien must have a certification letter of authorized person’s signature on submitted documents (Notary) from the Ministry of Foreign Affairs of an applicant in accordance with the form prescribed by the Ministry of Public Health.

In case of Criterion (7), an alien must submit the documents same as the list no.1 – 4 mentioned above.

Documents or other evidence as specified by the Committee for Monitoring the Performance of Immigration Officials of the Immigration Bureau.
Like
Reply
Damian *******
@Petrov *******
Agent’s the best way. They know all the ins and outs of visas.They deposited the money in my account and removed it the same day. Had a bank account,visa card and 1 yrs insurance. And over time deposited the 800,000 thb. Not one issue.
Like
Reply
Reply to
Damian *******
Reply
David ******
Dumb question, but where else is it going to come from if you are not making money in Thailand.
Like
Reply
Andrew *********
@David *****
in pots of tins from selling narcotics 😁
Like
Reply
Alan *****
ORIGINAL POSTER
When I transferred money through wise into my bank account. Wise pay into a Thai bank then it goes into my account as a local transfer. & if I’m here on holiday. Any money I have left over I could pay into mg account, so that will go in as a local transaction
Like
Reply
Kirsten *********
@Alan ****
you need a BKK bank account, then it shows up as international
Like
Reply
Reply to
Kirsten *********
Reply
Mark *********
Needs to be in a Thai bank account.
Like
Reply
Damian *******
Go to an agent.They do it all. Have your retirement visa at the end of the day.
Like
Reply
Steven ********
I am so sorry but why do people not do their own research on matters that will impact on their life. Every day I see people asking such questions that they already should have read through with the application, please, how hard is it to do your own research and fill in your paperwork.
Like
Reply
bar ***********
@Steven *******
other than the judge people's comments and inquiries is what the basics of this group is all about what is the purpose of your comment
Like
Reply
John *********
@Steven *******
How hard is it for you to ignore the comments if you see them daily 555
Like
Reply
Reply to
John *********
Reply
Bobby *********
I get Military Disability, and at this point and time, All they wanted to see was a steady income of at least 65,000 Baht. No giant deposit.
Like
Reply
Piero *************
Not the 800.000 baht. the
*****
monthly deposits ( from the 2nd year) must be transferred by abroad,pension or any else
Like
Reply
bar ***********
@Piero ************
yes your comment is correct I verified this with an IO at CW immigration office. You only need a letter from the bank stating that you have the funds in the account and the amount of time it has been there
Like
Reply
Reply to
bar ***********
Reply
Alan *******
Some comments here make me think i should be ok with a wise transfer when i do my o visa ,it is a big difference between wise and a bank transfer ,wise will charge a fee but will be $1300 aussie cheaper because of a much better conversion rate so i certainly am hoping thats the case .
Like
Reply
Greg ***********
@Alan ******
Just in case your Immigration wants to see that the money came from abroad, it will become a bit complicated.

If you want to use WISE, they have discontinued the old way that a certain choice of reason for the transfer would show in your bankbook coded as coming from abroad.

They don't offer this any more, for the last step they use their own Kasikorn account, so if you use WISE, it would show as having come from inside Thailand.

You can however get a special statement from the Kasikorn bank to on the relevant transfer. .

the other option would be a direct SWIFT transfer from your home bank to your Thai bank - the exchange rate would not be that good, but it would 100% be coded as having come from abroad
Like
Reply
Kirsten *********
If you have a BKK bank account it shows up as international
Like
Reply
Alan *******
@Kirsten ********
And that is also an option Kirsten ,i might just see if kasikorn will give me certification as Greg suggest simply because my gf has a kasikorn account which would be helpful in future transactions if not i will give bkk a look, thanks.
Like
Reply
Reply to
Alan *******
Reply
Alan *******
Thanks Greg i will ask about the special statement on the day i go there other than that i will just have to use the swift international transfer and cough up .
Like
Reply
Reply to
Alan *******
Reply
Kirsten *********
@Alan ******
check with your Thai bank. For SCB wise transfer showed up as local transfer. Had to get a BKK bank account where it showed as international
Like
Reply
Matthew *********
@Kirsten ********
every transfer in the world has a trace. They know for fact it was overseas. And any banking institution can provide the trace with codes. Thai banks already know where it came from, it's another game they like to play and let's be honest what difference does it make of it's your money. A deposit is a deposit. And the money spends just the same. Just more stupid rules. Just like one needs health insurance if apply abroad but no insurance in country. No rational to it. You get sick then you pay a bill.
Like
Reply
Kirsten *********
@Matthew ********
actually incorrect, when using WISE it works differently. In this case I learned a lot and SCB could not have been more helpful A Wise transfer into Thailand often arrives as a local domestic transfer because Wise uses a Thai partner bank so in this case my money had landed with BKK bank and was transferred to SCB. At this point I was bringing money in to buy a property and SCB really went out of their way to have BKK bank certify it for me because legally they could not do it themselves. But it took several days. And they didn't have to do that. But they suggested that if I was doing other transfers via WISE that had to be certified international, it was better to have the BKK bank account. Which I opened and I never had a single issue with it. So this is 100% my actual experience and I am leaving it here in case it helps anyone.
Like
Reply
Reply to
Kirsten *********
Reply
Alan *******
Thanks for that advice Kirsten ,i will be trying Kasikorn i'll get my gf who has an account there to go in and ask before i travel.
Like
Reply
Reply to
Alan *******
Reply
Robert ********
Immigration requires a letter from the bank that states from international source everytime you renew as far as I know
Like
Reply
Mark ******
Yes
Like
Reply
Greg ***********
@Alan ****
Just in case your Immigration wants to see that the money came from abroad, it will become a bit complicated.

If you want to use WISE, they have discontinued the old way that a certain choice of reason for the transfer would show in your bankbook coded as coming from abroad.

They don't offer this any more, for the last step they use their own Kasikorn account, so if you use WISE, it would show as having come from inside Thailand.

You can however get a special statement from the Kasikorn bank to on the relevant transfer. .

the other option would be a direct SWIFT transfer from your home bank to your Thai bank - the exchange rate would not be that good, but it would 100% be coded as having come from abroad
Like
Reply
Julian *******
@Greg **********
incorrect. I bank with Bangkok bank head office in silom and my wise transfers show as international still. Wise remits to head offices who then transfer to regional branches which is why it doesn’t show as international transfer,
Like
Reply
Andy **********
@Greg **********
Re SWIFT, you can decide which currency you send and you should be sending your home currency not THB.

Your end user bank will convert this at the market rate, not some poor rate, and charge you perhaps Bt300 to Bt500 as a fee.

The idea that the rate is not good is wrong. I worked as an investment banker in proprietary, exotic derivatives and emerging markets trading.
Like
Reply
Greg ***********
@Andy *********
"not good" compared to what? With a provider like WISE or REVOLUT you, the recipient in Thailand, would always get the money for a better rate than with any bank SWIFT transfer, despite the fees of these providers. Only from a certain high amount on, SWIFT transfers beat these providers. And yes, I send in my home currency, select OURS, and the Thai bank takes something like a 400-500 Baht fee.
Like
Reply
Reply to
Greg ***********
Reply
Joe ******
Not really but if it isn't, you need to.prove you earned that money legally here in Thailand and you paid taxes on your earnings.
Like
Reply
Graham ******
@Joe *****
Immigration do not check your tax status on money in your bank account
Like
Reply
Joe ******
@Graham *****
Not automatically but they will question you where the money comes from if it's not comming from abroad.

In my case, I live in Thailand and had a.business for decades, then I retired here without ever living the country. I changed my NON-B to Non-O and my 800'000 THB was earned within Thailand. So immigration asked me to show proof of having paid tax on it.and got my extension of stay without a problem
Like
Reply
Graham ******
@Joe *****
so you previously had a Non-B so maybe they were doing due diligence to ensure you were not still working
Like
Reply
Joe ******
@Graham *****
Possible but it happen every year so I doubt it. I recon that would be more Labour departments concern.
Like
Reply
Graham ******
@Joe *****
it's also a concern for Immigration
Like
Reply
Reply to
Graham ******
Reply
Oradee ************
Yes , open bank account into Thai Bank but the transfer must be from international
Like
Reply
Yo***
@Oradee ***********
once they ask about this, where your money comes from, you will open a hell gate. Even, you showed everything you have, they can require your all income source for 10 years including Tax paid in all countries you lived before. And plus, translated and nota by Thai authorization. And plus, all docs should be valid only for 30 days. And so on and on. Just pray for not having this by your immigration officer. Just good luck to us all. 😅😅 PS) I was required to provide CERTIFICATE OF RETIREMENT. so where can I get this? even, is there really something like this certificate official?? Which country can give this with official stamp??? 🤣🤣🤣🤣
Like
Reply
Greg ***********
@Oradee ***********
no it doesn't not need to come from abroad if he entered on a Non-Imm-O Visa. However to be absolutely and 100% safe, he should ask "his" Immigration
Like
Reply
Reply to
Greg ***********
Reply
Yo***
To make it better understood, go and see to thai banks to open an account. There are tones of experiences by tones of people here. The same conditions, retirement and non o visa etc.. They have the same conditions and docs. but someone got accounts in easy way, but someone is rejected. Even, the same bank, the same branch. I also got such kinds of experiences before. All banks have different rules and views, and all bankers have different rules and views. Even, the same banker can change rules tomorrow. Today accepted but tomorrow? rejected? it happened and very possible. No one actually can not know. What about then immigration? more than banks I think. 😂
Like
Reply
Yo***
Every single Immigration officer has different rules and different views. Even, the same immigration office, same immigration officer, Today says A, tomorrow can be B. Nothing changed but it is so. actually no one can know how they change. or not change. 😂
Like
Reply
Greg ***********
@Yo***
well we told the OP the official police order about the financial requirements. You are right, some Immigrations make up their own rules. Jomtien Immigration is known for bending the official rules regarding the deposit "change of visa type" . . they do not ask for a proof of foreign remittance, however they want to see a seasoning of 3 months for the application to the change, which NOBODY can fulfill, so as to force people to use agents who then pay tea money to the officers
Like
Reply
Yo***
@Greg **********
I think so. That is a kind of indirect indication by immigration to pay and use agents. They do not say this clearly but they can make things harder so that applicants could hire agents. However, it is just luck draw. Even, if you have all perfect docs and proofs, they can require fully different one or just do not accept it. And say sorry this is policy. That is all. To be honest, what shall we do? go to court? non sense for me. Immigration things are fully up to own country. There is no win against it. However, it is not so bad to use agent. at least, we pay the money for them and they spend it in Thailand. Our money can help Thai people and Thai economy. That is good circulation of the money. 😂😂PS) except this things, like immigration or bank or authorities in Thailand, I can not see any big problem in Thailand. So I would willingly pay for them and Thailand. 🙂
Like
Reply
Greg ***********
@Yo***
yeah, our tea money helps the Immigration boss to buy his next Lamborghini sportscar
Like
Reply
Yo***
@Greg **********
Actually I do not care of what they buy or how they spend it. it is no more my money after I paid and got mine. It is their money so they can spend this how they want. It is just fair business. 😊
Like
Reply
Todd ********
@Greg **********
probally explains why a certain bank is playing hardball now since their loss of tea money due to changes in banking rules.
Like
Reply
Yo***
@Todd *******
I dont think so. I think, most of thai bankers do not want to make a problem with foreigners. There are a lot of mule accounts and abused accounts by foreigners. They do not want to involve in any of this kind of business by foreigners. So, they better do not open the account, so this is easy to get them away from such headache things. They are more scary if one criminal case is involved in accounts they opened before to foreigners. Probably, they will get sentenced or fired or such sanctions from the banks or government etc..
Like
Reply
Radost **************************
@Yo***
you don't have any clue about this topic, all mule accounts are done by Thais. No foreigners involved
Like
Reply
Yo***
@Radost *************************
Oh really??? What a good news for foreigners here!! 🤣🤣🤣🤣🤣
Like
Reply
Reply to
Yo***
Reply
Phil ******
@Alan ****
yes and its on the evisa website
Like
Reply
Greg ***********
if you have entered on a 90-days Non-Imm Retirement Visa, and apply for the 1-year extension, you do not need proof that a 800,000 THB deposit came from abroad. . . . only if you do the "change of visa type" from a touristic entry to an initial 90-days Non-Imm-O Retirement Visa on Immigration inside Thailand, on the day you apply for the "change" you need proof that 800,000 THB are already sitting in your Thai bank account, and proof that the money came from abroad . . . however as Brandon correctly noted, you need to see what your Immigration is saying, because some Immigrations make their own rules
Like
Reply
Jake *****
Yes....
Like
Reply
Newfarang ****
Normally no but it depends sometimes on the individual immigration office where you are applying someone with a lot more knowledge than me will give you the correct answer.
Like
Reply
Brandon ************
If you want to apply for a 90 day non-O visa conversion from an immigration office inside of Thailand, then yes, it must be an international transfer.

If you are applying for the 1-year extension inside of Thailand, then no, it does not need to be an international transfer.

As always, each immigration office sets their own requirements, so your office might do something different than normal.
Like
Reply
Reply to
Brandon ************
Reply
Thai Visa Advice and Everything Else
... members · 60% approval rate
The Thai Visa Advice And Everything Else group allows for a broad range of discussions on life in Thailand, beyond just visa inquiries.
Join the Group
Thai Visa Advice and Everything Else
View the Conversation
Thai Visa Advice and Everything Else
The ask:thailand community, consisting of multiple Q/A groups with over 100,000 members, powers this platform. It is not an official government resource. Our members actively contribute to this resource, and while we strive for accuracy, we cannot guarantee its complete reliability. Assistance to travelers is provided as a community service.