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How can I apply for a Non-O visa before entering Thailand without encountering issues with bank accounts?

Nov 11, 2025
2 days ago
Rich *********
ORIGINAL POSTER
RESOLVED: OK, I think it’s clear now, and I understand where I went wrong. The Non-O visa is available through the Thai eVisa website, but it’s not labeled as “Non-O”...it only shows up if you select the option to “stay in Thailand for no longer than 90 days” under “Retirement.” I had ruled that out because I want to stay longer, and I didn’t realize that you could apply for the correct 90-day non-O visa first, then extend it inside Thailand.

Since I didn’t see a way to apply for Non-O in advance and didn’t want to buy extra health insurance (I already have excellent coverage), I was planning to enter as a tourist and adjust status to non-O. Thanks to your guidance, I now see exactly how to apply for the Non-O in advance and skip that workaround.

Really appreciate everyone’s help. This was very useful! 🙏

ORIGINAL POST: Can someone help me resolve this catch‑22?

I’m a U.S. retiree with a pension and full health insurance. I plan to enter Thailand on a tourist visa (or visa‑exempt entry) and then convert to a Non‑Immigrant O retirement visa from inside Thailand. (EDITED: I'd enter as a tourist because I have excellent health insurance as a federal retiree, but I understand that the documentation is not sufficient to apply for an O visa online, whereas it's not a requirement to show my U.S. health insurance when converting in-country. If any U.S. federal retirees with FEHB coverage have managed to get around this problem, I'm all ears!)

I understand I’ll need 800,000 THB in a Thai bank account to convert to the O visa, but I also keep hearing that banks won’t open accounts for people on tourist visas. So how do you open a bank account before converting to an O visa...or, conversely, how can you convert to O before opening the bank account?

Would love to hear how others successfully handled this.
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TLDR : Answer Summary
The original poster addressed a planned entry into Thailand on a tourist visa with the intention of converting it to a Non-O retirement visa. However, they learned, with community help, that the Non-O visa can be applied for in advance through the eVisa website, specifically under the retirement option. They initially were concerned about insurance requirements and the inability to open a bank account under a tourist visa, but they received recommendations to apply for the Non-O visa before arriving in Thailand to avoid complications.
NON-O RETIREMENT VISA RESOURCES / SERVICES
  • Go to the Retirement Visa Section for information on requirements, including age restrictions, financial requirements, and necessary documentation.
  • For immediate assistance, contact Thai Visa Centre directly via LINE at @ThaiVisaCentre or Email them.
  • Explore recent discussions by using the Non-O Retirement Visa tag in the search box at the top of the page.
  • Join the Thai Visa Advice Facebook Group to ask your questions, and get advice from others.
Jon ********
Get the non I'm visa in your home country or you'll have issues with opening a bank account
Rich *********
ORIGINAL POSTER
RESOLVED: OK, I think it’s clear now, and I understand where I went wrong. The Non-O visa is available through the Thai eVisa website, but it’s not labeled as “Non-O”...it only shows up if you select the option to “stay in Thailand for no longer than 90 days” under “Retirement.” I had ruled that out because I want to stay longer, and I didn’t realize that you could apply for the correct 90-day non-O visa first, then extend it inside Thailand.

Since I didn’t see a way to apply for Non-O in advance and didn’t want to buy extra health insurance (I already have excellent coverage), I was planning to enter as a tourist and adjust status to non-O. Thanks to your guidance, I now see exactly how to apply for the Non-O in advance and skip that workaround.

Really appreciate everyone’s help. This was very useful! 🙏
Dca *****
Non–O E–Visa (over age 50 years old) on the Thai eVisa Website does NOT need any insurance requirements and any Non–O Visa ink stamp (over age 50 years old) does NOT need any insurance requirements

Get a Non–O E–Visa (over age 50 years old) from any Thai Embassy/Thai Consulate outside Thailand, which ALL 94 Thai Embassies/Thai Consulates around the world ONLY Accept and issue Non–O E–Visa PDF Files via the Thai eVisa Website
Christopher **********
I don't see your description as a Catch 22 situation. It is a situation where you may have to have duplicative coverage in the short term, but there are cheap health policies that meet the requirements and give virtually no coverage. Some of us did this during the pandemic - bought Thai policies because our own policies did not provide adequate certification. (I would also check coverage for long term international stays and coverage for care/incidents in Thailand.)
Rich *********
ORIGINAL POSTER
EDITED: I'd enter as a tourist because I have excellent health insurance as a federal retiree, but I understand that the documentation is not sufficient to apply for an O visa online, whereas it's not a requirement to show my U.S. health insurance when converting in-country. If any U.S. federal retirees with FEHB coverage have managed to get around this problem, I'm all ears! Thanks to all commenters for the advice!
Marianne ********
@Rich ********
The regular Non-O does not require health insurance regardless of where you get it.

You might be confusing it with the Non-OA, which does require a health insurance, and is only available from your country of residence.
Marianne ********
Your best option to avoid the catch-22 situation is to just get the Non-O (retirement) before you leave your home country.

Get a bank account quickly upon arrival and deposit the required funds within your first 30 days of arrival.

Problem solved.

You apply using the Thai eVisa website.

****************************
Rich *********
ORIGINAL POSTER
@Marianne *******
Thanks! Which of these is the non-O visa?
Rich *********
ORIGINAL POSTER
“…stay in Thailand for no longer than 90 days”? This is what’s so confusing. Obviously I want to stay for longer than 90 days, so I ruled that one out immediately.
Anna *********
@Rich ********
once you open your Thai bank account and deposit 800k you apply for ‘ extension of stay based on retirement’ before the 90 days is up and get permission to stay for 12 months and you do this every year but you need the non- O Visa to start with
Marianne ********
Steve *******
Apply for the Non Imm O visa before you arrive
Lynnette *******
Why would you enter as a tourist when you want a retirement visa? Get the non-O based on retirement and enter, open bank account asap, deposit money, apply for 12 month extension ( can extend each year ).
Michael *********
You must apply for an O visa when you’re not in Thailand.
Brandon ************
Why is your plan to enter as a tourist? That's the worst plan. You CANNOT open a bank account as a tourist, and the money in the Thai bank is a requirement to apply for the non-O visa in Thailand. Therefore your plan is impossible.

Visas are meant for entering countries. So do it the way it's meant to be done. Apply for the non-O visa BEFORE you travel to Thailand from the Thai embassy who will accept any bank account. Then use your non-O visa to open your Thai bank account that you'll need to apply for the 1-year extension.
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