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Answered3 months ago

How can I apply for a Thai Non-Immigrant O-A Retirement Visa while living outside my passport country?

IndigoDo*********
asked Jul 14, 2026
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Hi everyone. Hoping someone has been through this as I’m getting conflicting advice from the consulates.

My husband and I are Australian passport holders, but we currently live and work overseas (not in Australia). We want to apply for a Thai Non-Immigrant O-A Retirement Visa before moving to Thailand.

The issue seems to be that we are applying from a country where we are residents, but which is not the country that issued our passports.

The Thai Consulate where we currently live has advised that they only issue O-A visas to permanent residents.

We cannot simply return to Australia for 4–6 weeks while an O-A application is processed.

Has anyone successfully applied for a Non-Immigrant O-A visa online through the Thai e-Visa system while living outside their passport country?

When completing the e-Visa application, is it tied to your current country of residence, or can you apply through your passport country’s Thai e-Visa portal while physically living overseas?

We are getting very different answers and would really appreciate any firsthand experience. Thank you!
Answer summary
An Australian couple currently residing overseas seeks guidance on applying for a Thai Non-Immigrant O-A Retirement Visa while facing restrictions since they are not applying from their passport country. They received conflicting information from the Thai Consulate in their current country of residence, which only issues O-A visas to permanent residents. The couple is exploring the possibility of applying online via the Thai e-Visa system and is reaching out for firsthand experiences or advice related to their situation.
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IndigoDo*********
IndigoDo*********
OP
Thank you so much everyone, there’s been so much input here and it’s been so very helpful working through this!

Just want to make sure I’ve understood correctly, given our Hong Kong consulate won’t process the O-A for us (which would have been our preference), it sounds like our best path is:

1. Apply for the 90-day Non-Immigrant O (retirement) visa - this is location neutral and done online (correct?)

2. Travel to Thailand on that visa

3. Set up a lease in Thailand

4. Open a Thai bank account using the lease as proof of address

5. Transfer and season 800,000 THB in that account for 2 months

6. Apply at Thai Immigration for the one-year extension of stay based on retirement (before the 90 days runs out). In this case it is in effect like the non o-a but will be called an extension?

7. Renew annually from there

Does that sound right to those of you who’ve been through it? Thank you again, this group is amazing!
Brandon ************
Brandon ************
IndigoDolphin2392

1) you can get a non-O from any Thai embassy that accepts non-resident applications.

3) lease is not necessarily required for bank account. Most immigration offices will issue a residence certificate with just a TM30 from the property owner that shows you're staying there. Even hotels can work. But each immigration office and each individual bank branch have their own requirements.

4) you'll also need a Thai cell phone number registered to your passport to open a Thai bank account.

6) it's not like a visa. A visa is for entering a country. Once you enter Thailand your non-O visa is done. It's used and voided. The 90 day stamp in your passport is your permission of stay (not your visa). But makes sure you keep the visa printout since you'll need it for the bank and for your extension.
IndigoDo*********
IndigoDo*********
OP
Greg ***********
Greg ***********
the Non-Imm-O/A Visa is not the real "Retirement Visa". It is called Non-Imm-O/A Longstay Visa. Maybe you should both apply for the correct retirement visa. This would either be the 90-days Non-Imm-O Retirement Visa, and it can be applied anywhere in the World, you do not need to be resident of the country where you apply. The other option would be the LTR. Both visa types come with high financial requirements, though
IndigoDo*********
IndigoDo*********
OP
Greg Alexander thanks .. it’s a bit confusing! Will get to the bottom of it eventually.
Stephen *******
Stephen *******
If you have a proof of address in NSW apply through the Sydney consulate or else proof of another Australia address apply through Canberra embassy. It all online and no need to see your physical passport. A non-o is ok and gives you 2 years if you use it right to come and go as you please. But you need health insurance with that one. If you like it in Thailand and are going to stay and get an extension of on your OA in your second year then a non-o is a better bed as it doesn't require the health insurance which is basically useless or very expensive. The proof of address can be an Australian driver's licence, etc.
Greg ***********
Greg ***********
Stephen Woods "A non-o is ok and gives you 2 years" . . . . . nope. That would be the Non O/A visa, not the non-o. On a Non-O Retirement Visa you get stamped in for 90 days, and you can then apply for the 1-year extension of the stay permit, if you fulfill the requirements
Peter *********
Peter *********
Im an Australian retired in Thailand now. I use Thai Visa centre. They are an excellent agent and will handle all your issues. Check them out.
Stephen *******
Stephen *******
@Peter ********
they are good for in country the extensions or non-os obtained in country. Not really relevant if applying outside the country
IndigoDo*********
IndigoDo*********
OP
@Peter ********
have emailed - thanks
Peter *********
Peter *********
IndigoDolphin2392 good. Check out their reviews. I find them faultless. Ask them all your questions and ask for their costs. They will tell you your options.
Ant ***********
Ant ***********
Are you wanting to get OA for a reason ?

Non-O is more common

You can apply for a Non-O from anywhere
Dianne *****
Dianne *****
Ant W Tailor some people don't want to place 800k baht in a ThaI bank account. In this case it would be 160,000 baht in a Thai bank account. Whereas a Non OA would allow them to leave these funds in their own country for the two years that they would get out of this visa, earning themselves higher interest
Aarif *********
Aarif *********
Ant W Tailor that’s what the poster is saying can’t happen, because of where they are currently resident.
Greg ***********
Greg ***********
Aarif Meghani you can apply for the 90-days Non-Imm-O Retirement Visa anywhere in the World through the online e-visa system, where there is a Thai embassy. You do NOT need to be resident in this country
Aarif *********
Aarif *********
Sounds like you’re caught in the middle of bureaucratic rules by living abroad. Very frustrating.

Is this something an agency could help with? To apply for a Non O?
IndigoDo*********
IndigoDo*********
OP
Aarif Meghani I have reached out to one. There must be a way … I’ll get to the bottom of it eventually!
Greg ***********
Greg ***********
IndigoDolphin2392 you can apply for the 90-days Non-Imm-O Retirement Visa anywhere in the World through the online e-visa system, where there is a Thai embassy. You do NOT need to be resident in this country
Aarif *********
Aarif *********
IndigoDolphin2392 good luck, and please report back how it goes.
IndigoDo*********
IndigoDo*********
OP
Aarif Meghani thanks
IndigoDo*********
IndigoDo*********
OP
Thanks - perhaps it is a Hong Kong issue? The place we live and so would line to apply is Hong Kong, but they will only process these visa for PRs where as our residency visa there a work visa.
John **********
John **********
IndigoDolphin2392 do you have a Hong Kong ID card? You'll be lucky if they will process any visa application without one.
John **********
John **********
One reason why you can only apply for the Non-OA visa in either your home country or a country where you have official residence rights is mostly down to it requiring police checks, medical certificate and a 12 month relevant insurance policy but at the end of the day it's up to that particular consulate whether they will process your application or not. You can't apply via any Thai consulate if you are not physically present in the jurisdiction of that consulate.
IndigoDo*********
IndigoDo*********
OP
@John *********
thanks - that was one thing I did read, that consulates in each country can decide which visas they process, but I’ve been running in circles and not sure what’s true at this stage!
Greg ***********
Greg ***********
IndigoDolphin2392 you can apply for the 90-days Non-Imm-O Retirement Visa anywhere in the World through the online e-visa system, where there is a Thai embassy. You do NOT need to be resident in this country
IndigoDo*********
IndigoDo*********
OP
Greg Alexander thanks
Jeff *************
Jeff *************
You don’t want the non O A
Kirsten *********
Kirsten *********
I understand that it is confusing because the information published by the Thai Ministry of Foreign Affairs and Immigration describes the national visa framework, while individual Thai embassies and consulates have discretion over which visa categories they will process, who may apply through that post, and what supporting documentation they require. As a result, what appears to be possible under the published rules is not always available in practice through a particular consulate.

From a practical perspective, a Non-O visa followed by a one-year retirement extension and a Non-OA visa ultimately achieve much the same outcome. Once the retirement extension has been granted, you have a one-year permission to stay in Thailand, which is effectively the same period of stay that the Non-OA provides. Both routes are then renewed annually, so neither offers a significantly stronger long-term immigration status than the other. Potentially thought you could argue that having your funds in a Thai bank account and already having an extension of stay indicates more commitment to the country than just having the initial visa. The more significant issue here appears to be Australian tax residency rather than the Thai visa itself. Under the ATO's domicile test, the key question is whether you have established a permanent place of abode outside Australia. That does not require a permanent Thai visa; rather, it requires evidence that Thailand has become your settled, ongoing home. My understanding is that the ATO is looking beyond the visa itself to the reality of the arrangement and the intention behind the move. If the plan is to relocate to Thailand on an ongoing basis, establish a long-term home there, spend most of the year in the country and build everyday residential and financial ties, then either the Non-O retirement extension or the Non-OA could support that position. Depending when you move if you have completed more than 180 days in a tax year in Thailand you can apply for a certificate of tax residency which may help your case. However, if the intention is only to spend a fixed period of around one year in Thailand before moving elsewhere or reassessing future plans, that may be a more challenging position to demonstrate, regardless of which Thai visa is held. In other words, the issue appears to be less about whether the visa is a Non-O or a Non-OA, and more about whether the overall circumstances demonstrate that Thailand has genuinely become your permanent place of abode outside Australia. It's kind of rough in the current day and age that you have to be fixed in one place to be considered non domiciled in your home country!
IndigoDo*********
IndigoDo*********
OP
@Kirsten ********
Thank you, this is so helpful! And yes, we do want to establish a home there for at least a year (bringing this stint away from Aust. closer to four years). Initially we were going to move around Thailand and Asia doing Airbnbs, but our accountant feels that having a true home in Thailand (we can travel from there) with some sort of residence visa is the smarter play!

And I think you’re right, it seems individual consulates get to decide what they process, and unfortunately the one where we currently live doesn’t do this one!
Jeff *************
Jeff *************
That one requires mandatory insurance from certain companies only, the Non O doesn’t require insurance, you can find your own cheaper if you need it
IndigoDo*********
IndigoDo*********
OP
Jeff Hoffmeister oh insurance is fine - happy to pay that! Really need to legitimately establish ourselves as residents! Thanks
IndigoDo*********
IndigoDo*********
OP
@Kirsten ********
thank you … establishing ourselves is the first priority I guess, so if the non o 3 month allows banking and leases, I guess we could start there and look at transitioning to longer term visas from there. Thanks again!
Jeff *************
Jeff *************
@Kirsten ********
it’s actually 60 days to season, that gives you a couple weeks to get your bank opened and put the 800,000 baht in each in separate accounts
Kirsten *********
Kirsten *********
IndigoDolphin2392 you can get a lease no problem with either the non OA one year visa or the non O 3 month visa (by far the more common process). With the lease and your Non O visa you can open a bank account and proceed with the non O extension of stay. The biggest challenge with the non O visa is the 3 months seasoning of the 800,000 prior to applying for the extension of stay by reason of retirement. Please know that the extension is an extension and the 1 year multi entry re-exit visa is the actual visa.
IndigoDo*********
IndigoDo*********
OP
Marianne Holmen can we get a lease with it? I guess that would be a huge start to genuinely establishing a ‘residence’
Marianne ********
Marianne ********
IndigoDolphin2392 Non-OA won't do that.

It will just give you a 1 year multi-entry visa, which gives you a 1 year stamp on each arrival, or until your health insurance needs to be renewed, if under 1 year.
IndigoDo*********
IndigoDo*********
OP
Jeff Hoffmeister sorry why is this?
Ian **********
Ian **********
IndigoDolphin2392 generally, people prefer the Non-O visa. It is easy to obtain. Once you have the visa, you travel to Thailand, open a bank account, and deposit 800k baht, and then, after 2 months, apply for a 12-month extension based on retirement. It doesn't require a police check, compulsory insurance, or a medical.
Lynnette *******
Lynnette *******
IndigoDolphin2392 it's the best option. No compulsory insurance . No police check. Can be extended every year for 12 months. Whereas the Non-OA is specifically linked to date of insurance which you buy from the list of accepted insurers and they aren't the best either. Police check too.
IndigoDo*********
IndigoDo*********
OP
Ian Morrison okay, thanks. We may have to go this path and have the bigger plan in mind!
Donald **********
Donald **********
Maybe you have reasons for applying solely for a Non-OA visa? I applied for a Non-O visa in a country where I was currently working but not a passport holder or resident of and received it, including a request for further clarification, within 2 working days.

If you do not qualify as a certain category of resident, it seems you already have the answer and the choice of how to proceed.
IndigoDo*********
IndigoDo*********
OP
Donald Campbell if I’m not mistaken this is the 90 day visa? We need something more permanent to establish residency - Australia taxation office will want us to prove residency elsewhere. Trying to avoid living in Thailand but paying tax back home. We’ve been outside of Australia for sone time working overseas but have always had residency visas and leases to avoid this issue.
Greg ***********
Greg ***********
IndigoDolphin2392 you enter on a Non-O Retirement Visa, get stamped in for 90 days. Both of you immediately get Thai bank accounts opened and transfer a minimum of 800,000 THB into it, each of you. Then as soon as the deposit has been sitting in your accounts for 2 months, you can apply for the 1-year extension of the stay permit. This would be the start of your longterm stay in Thailand. No police check, no medical, no mandatory insurance.
GreyEle*******
GreyEle*******
IndigoDolphin2392 you extend the 90 days by a year before the 90 days are up. You can take a 12 month lease out. ATO will consider your ties to Australia more than the kind of visa you have. Do you own a family home in Australia? If you keep the family home you may still be considered a resident tax payer regardless of how long you stay out of Australia and what ties you have to another country. There was a recent case where a guy had his family home in Sydney but worked and leased in Singapore and he won his case to be a non resident but that is an expensive way to keep the family home and say you are not domiciled in Australia.

The long term lease would have more weight than the 90 day non O and by the time there was any potential scrutiny you would have passed the initial 90 days and be on a 12 month extension that is a standard long term practice for retirees. This will be stamped in your passport.
IndigoDo*********
IndigoDo*********
OP
GreyElephant🐘this is part of our issue - young adult kids not financially independent and a housing crisis where it’s difficult for them to move out! Also one is struggling with health issues - it’s complicated!
John **********
John **********
IndigoDolphin2392 That 90 day visa can be extended indefinitely in 12 month intervals once inside Thailand. I don't know anything about the Australian tax system but I'd be surprised if holding any sort of visa for another country is sufficient to prove residency, do you mean tax residency?
IndigoDo*********
IndigoDo*********
OP
@John *********
yes, we’ve been expats working overseas on and off for 18 years, returning to Australia after each project for a few years in between. However, there are some things about the past few years that our expat tax specialist says put us at risk.

Basically, we had planned to finish up in Thailand as a reward and spend a year travelling around Asia, but he has urged us to do it “properly” and establish genuine residency there rather than just holidaying. The idea is to protect the years of hard work and sacrifices that have brought us to this point.

If we aren’t considered residents somewhere and are simply travelling, we could potentially still be viewed as Australian residents for tax purposes — because, as they see it, we need to be able to demonstrate that we are residents somewhere. Apparently … this is the advice we’ve paid for in any case!
Donald **********
Donald **********
IndigoDolphin2392 The Non-O is a 90 day visa during which time you put 800,000 baht each in a Thai bank account (plenty of other information about this available) then after it has seasoned for 2 months, apply at immigration for a 12 months extension. During the seasoning process you can leave Thailand again after purchasing a re-entry permit and return before the 90 day validity expires, in order to apply for the extension.
Tori *******
Tori *******
I am wondering about this as well … Enter Thailand on a non-O for 90 days. Lease a condo, open a bank account, move money. Wait 60 days for the funds to season.

BUT, can one really leave Thailand at that point (with a reentry permit, of course) and come back before the 90 day initial stay expires, to process the 12 month extension of stay? I’ve heard conflicting information as well.

Lastly, how close to the expiration of the initial 90 day stay is it safe to apply for the extension? Is a week before sufficient? Two weeks?
IndigoDo*********
IndigoDo*********
OP
Donald Campbell thank you this is helpful as we resisted this initially because we were told we could not leave during that initial 90 days
Marty *********
Marty *********
IndigoDolphin2392 I had an OA for 6 years. Both the O and OA can be extended for 1 year. The original visas are different but when extending the only difference is the insurance requirement for the OA. For long term you are better off with the O. Obtain your insurance separate from the Visa, you will have more options.

You might also look at the LTR visas. Google BOI LTR to view the requirements for the various LTR visas. There are some tax advantages to the LTR visas.

You cannot work on a retirement visa. Remote workers typically use the DTV visa and there is an LTR option.
IndigoDo*********
IndigoDo*********
OP
Marty Pollard thanks - had not heard of LTR but will google.
IndigoDo*********
IndigoDo*********
OP
Marty Pollard thank you will look into it!
Graham ******
Graham ******
The difference between entering on a Non-OA or a Non-O will not do this as they are both long-term visas, nothing more in relation to tax status
IndigoDo*********
IndigoDo*********
OP
Dianne Lee thanks - we have a very expensive australian expat tax accountant but not thai. We really want to set the home up there and use it as a base to do a trial retirement year, with lots of travel - so, assuming we travel from Thailand for half the year and watch the 180 days this might be okay? Will do figured on tax rates for Thailand and work out risks here too. Thanks for the heads up!
Dianne *****
Dianne *****
IndigoDolphin2392 just be aware that if you spend more than 180 days in Thailand you are considered liable to pay tax in Thailand on any income you have earned in that year, that hasn't already been taxed in Australia. It sounds like you need an accountant more than a visa agent. I also wonder how secure a non O or Non OA in Thailand would be for your situation as all people living here on retirement visas are only on temporary stays of one year extensions at a time hence the "non immigrant" wording in the name of the so called retirement visas. Many would consider themselves residents having bought assets and started families here,but legally their status is not that of a resident in terms of how other countries define it
IndigoDo*********
IndigoDo*********
OP
Graham Seal I know what you mean from a general perspective, but we’ve been overseas a long time and investigated by our tax office before and the only thing that saved us was being able to prove established residency in another country - visas, leases etc. It is more about not risking very hard earned money working ridiculous hours these past few years in lower taxed and non taxed countries (it was not an easy or fun time!). We always planned to reward ourselves with time relaxing in Thailand at the end and our expat tax specialist urged us to get retirement residency visas and leases sorted there to shore things up.
Brandon ************
Brandon ************
The e-visa system asks you for your physical location, and bases the embassy that processes your application on where you are physically located.

The embassies reserve the right to ask you for proof of your physical location. They also reserve the right to summon you to the embassy for an interview, most often to verify that you're physically in the country.

The OA visa requires a medical certificate, and if that is signed by a doctor outside of where you are applying, it may cause additional scrutiny.
IndigoDo*********
IndigoDo*********
OP
@Brandon ***********
thanks - Hong Kong where we live have said they can only do it for PRs not those living there on a work visa.
Graham ******
Graham ******
IndigoDolphin2392 So if you don't return to Australia then the Non-O is your only option.
IndigoDo*********
IndigoDo*********
OP
Greg Alexander perfect, thanks
Greg ***********
Greg ***********
IndigoDolphin2392 You can apply for the 90-days Non-Imm-O Retirement Visa anywhere in the World and also in Hongkong. You enter Thailand on a Non-O Retirement Visa, get stamped in for 90 days. Both of you immediately get Thai bank accounts opened and transfer a minimum of 800,000 THB into it, each of you. Then as soon as the deposit has been sitting in your accounts for 2 months, you can apply for the 1-year extension of the stay permit. This would be the start of your longterm stay in Thailand. No police check, no medical, no mandatory insurance.
IndigoDo*********
IndigoDo*********
OP
Graham Seal thanks … looking like it might be the case!

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