Do you need both 800,000 baht in a bank account and proof of 65,000 baht monthly income for Thai visas?

On some Immigration offices you can also provide proof of finances using a THIRD method: the combination method

A mixture of income and deposit.

NOTE: Most Immigration offices require a minimum deposit of 400,000 THB deposited.

Combined with the monthly proof of income, the total must be ABOVE the required 800,000 THB per year.

You have to be careful with the income part, as a sudden change in the exchange rate can ruin the calculation - if you fall below the income level, you would immediately be in "overstay". So you need a "buffer"

For example, a deposit of 420,000 THB and a monthly income of 1000.- Euros (35,440 THB) is sufficient for the combination method.

35,440 THB x 12 = 425.280.- THB

plus 420,000 THB

would be 845.280 THB

The 45.280.- THB are the exchange rate buffer. The higher the buffer, the safer you are.

If you are planning to use the combination method, you will need to visit your Immigration and ask whether they will allow you to use the combination method in the first year and how high the minimum deposit must be

Third way, none of them with an agent 🤣👍

If you want to switch to the 65k a month (from 800k) you should check with your local immig office (they can vary) how much and for how long you keep the lump sum in your account after visa is issued, pull too much out too soon and they will say you never met the requirements for issuance of visa, and having the 65k a month is moot. I speak from personal experience in Phuket……..they want the 800k for first three months before switching to 65k……..

One or the other

For year one it must be 0thb and then for year two you will need to transfer thb every month for the year, you must not move the 0thb out of your account until the immigration office have told you ok to take the 0thb out or you will be in trouble with the immigration office

No!...The 800,000 is enough on it's own.

???

This is two alternative ways to fulfil the financial requirements, but you can only use monthly income after showing proof of twelve months consecutive transfers, unless your embassy offers to give you a affidavit letter regarding income. The first year or if you apply for a Non O in Thailand you’ll need to prove yourself with 800K baht in your Thai bank account.