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Does a HELOC account qualify as proof of funds for Thai visas?

Visa Requirements Proof of Funds Thai Visa Financial Requirements HELOC Expat Visa Guidelines

Mar 16, 2025

a month ago

Jacob *****

ORIGINAL POSTER

Question about the proof of funds for visas. I understand it has to be an account you can easily access funds. Does a HELOC account suffice?

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TLDR : Answer Summary

For proof of funds when applying for a Thai visa, the funds must be in a liquid form and held in a Thai bank account. A HELOC (Home Equity Line of Credit) does not qualify since it is not considered liquid cash. It's recommended to open a local deposit account in Thailand and ensure the funds meet the visa requirements before applying.

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Colin *********

Just open up a deposit account quickly in local bank, look at how much they need you to put in (this is before you apply for the visa)

a month ago

Steve ****************

it has to be in a thai bank account

a month ago

Jacob *****

ORIGINAL POSTER

I thought you couldn't open a Thai bank without already having proper visas or lease agreements.

a month ago

Steve ****************

@Jacob ****

it's paradoxical. I opened my thai bank account 2 years ago on a tourist visa after being rejected at one bank. the best bank to use per other retirees is Bangkok bank in paragon mall Bangkok. they required i go to embassy and get notarized copy of my passport. your milage may vary, you can use a visa agent the first time to make it easier

a month ago

Jacob *****

ORIGINAL POSTER

@Steve ***************

I'm actually going through a marriage visa so as I understand it when I come on the non immigrant type o, I open the account and transfer the funds. 2 months later convert it to the marriage visa. Unless there's a proof of funds for the type-o

a month ago

Steven ***************

@Jacob ****

. You're also confusing visas and extensions. You are entering on a non o visa based on marriage to a Thai. You need the money in thai bank for a yearly EXTENSION not a visa. 400k min balance for 2 months prior to applying for yearly extension.

a month ago

Steven ***************

@Jacob ****

. Take your thai wife ,passport and marriage papers with you when you go to open the bank account in Thailand. Will make process much more easier.

a month ago

Steve ****************

@Jacob ****

your money has to sit awhile in the bank before you get the long term visa

a month ago

Reply to

Steve ****************

Jacob *****

ORIGINAL POSTER

@Steve ***************

All Visa's have to be a Thai bank? Seems impossible

a month ago

Steve ****************

@Jacob ****

of course! you have to show you can support yourself here and you are showing a commitment to doing so by leaving money in local bank

a month ago

Porky ******

@Jacob ****

Why impossible?

If you qualify you’ll get one without issue

a month ago

Reply to

Porky ******

Brandon ************

It needs to be in a bank account. It needs to be liquid funds. You cannot show them a credit card or a line of credit, as that is now liquid cash funds. It may be funds you have access to, but it's still not the same.

a month ago

Jacob *****

ORIGINAL POSTER

@Brandon ***********

I ask because it shows up right next to the checking and savings and is just as transferable and accessible. It looks just like a bank account.

a month ago

Brandon ************

@Jacob ****

The only reason they might accept it is because they likely won't know what a HELOC is. If they do know, they would probably reject it.

a month ago

Reply to

Brandon ************