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How can I meet the Thai retirement visa requirement of a 65,000 THB monthly pension deposit?

Retirement VisaThailand VisasIncome RequirementsUS Social SecurityThai Bank AccountInternational TransfersVisa ProceduresLiving in Thailand
Apr 23, 2022
3 years ago
Dwight ********
ORIGINAL POSTER
Retirement visa info needed. How can you have 65k monthly pension deposited in Thai bank account to qualify? I don’t believe US gov’t will do direct deposit to Thai bank account.
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TLDR : Answer Summary
To qualify for a Thai retirement visa, you typically need to demonstrate a monthly income of at least 65,000 THB, sourced from a recognized pension or benefit. However, direct deposits from the US government into a Thai bank account can be complex. Some expatriates recommend using international transfer services like WISE to deposit funds monthly. Others suggest maintaining a Thai bank balance of 800,000 THB as an alternative. Recent changes mean embassies no longer issue income affidavits, leading to stricter immigration requirements to verify income through bank statements and deposit records.
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.
Otis ******
Discus w/Philippine embassy SocSec rep, they were very helpful
3 years ago
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Phillip ********
Get an agent to do it..
3 years ago
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Leslie *******
3 years ago
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David *********
Go to a Visa agent. It will cost more money but you do not need the money in your account. Everything is looked after.
3 years ago
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Steve **********
Yes you can. SS works thru B of A, and others for DD...never late
3 years ago
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Tipsda ********
Another good and easy option is to deposit 800K thb in thai bank account for 3 months before applying for 1 year visa.
3 years ago
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Vicki *********
I use Transferwise. US Bank to Transferwise then to BKK Bank. No problems in 4 years.
3 years ago
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Michael **********
@Vicki ********
 I also use TransferWise but I don’t know how do I have to pay taxes in Thailand on my money that I transferred from my bank
3 years ago
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Vicki *********
@Michael *********
 You will pay taxes only if you work, have an income in Thailand.
3 years ago
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Vicki *********
@Michael *********
 If USTaxes, leave enough money in your USA Bank when April is coming.
3 years ago
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Vicki *********
@Michael *********
 Taxes?
3 years ago
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Vicki *********
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Michael *******
,
3 years ago
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Josh **********
@Michael ******
 I also wouldn’t like to have tourists in my country without having any penny 😀
3 years ago
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Josh **********
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Aaron *******
Bangkok Bank has a USA Branch in NY, may be able to do direct deposit.

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3 years ago
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Aaron *******
As to opening Bangkok Bank Account, I opened mine, while on Tourist Visa Exempt Stay, in Pattaya on 2d Road. Only needed a Thai National to "vouch" for me, and a residency letter from Jomtien Immigration. Always great service.
3 years ago
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John *******
@Aaron ******
 Best to also submit the paperwork to US SS also. They less than 4 days while BB takes a long time.
3 years ago
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Bob *******
@Aaron ******
 that’s on Bangkok bank website and it’s current.
3 years ago
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Bob *******
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Lurcho ********
Get an Agent .
3 years ago
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Daniel **********
Yes they will.
3 years ago
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Bob *******
Psst Bangkok Bank has a New York branch hence a US routing number. I had an allotment via dd (direct to BB while still working for government. Main reason I chose that bank
3 years ago
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Werner *******
@Bob ******
 This hasn't worked for over a year, maybe two...
3 years ago
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Steve ********
@Werner ******
 I did it last October....six months ago.
3 years ago
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Bob *******
@Werner ******
 why wouldn’t it I have a Thai bank account. Just use routing number. Pretty sure they still there I’ll be pretty bummed if they’re not
3 years ago
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Ivan ************
@B**
 the transfer will be rejected if it's not coded from the originating US bank as an international transfer. This is due to US financial regulations, money with an ultimate destination outside the US can't be sent through regular domestic ACH. US government payments are coded correctly so still work, but most people can't send their own transfers this way any more.
3 years ago
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Bob *******
@Ivan ***********
 I’ve done it from my own bank multiple times. Unless the financial regulations just changed
3 years ago
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Ivan ************
@B**
 they changed a few decades ago, Bangkok Bank just started following the rules. It does still work for some people, but others have them rejected, it's a bit random. They sent around a communication saying they were going to start rejecting them and for at least some, they did. But others still doing through, it may depend how closely they look. In any case, Wise is cheaper (it used not be for large amounts, but it is now) so little advantage to trying to chance it with Bangkok Bank.
3 years ago
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Ivan ************
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Ivan ************
@Wer***
 it works if it's correctly coded. Most banks won't do this but US government payments (social security etc) still work.
3 years ago
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Ivan ************
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Terry ********
@Bob ******
 that option doesn’t work anymore.
3 years ago
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Dave **********
@Terry *******
 it still does for Direct Deposit Government Checks!
3 years ago
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Terry ********
@Dave *********
 ok. I’ll take your word for it.
3 years ago
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Dave **********
@Terry *******
 I het a Direct Deposit every month from the VA however other such as SSA, Military Retirement, Vets Widow Benefits, are eligible
3 years ago
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Terry ********
@Dave *********
 that’s good. I just know that I used to do an ACH transfer from my US bank to the New York branch of Bangkok Bank and it would show up at my branch in Thailand. Then, one day my bank told me I couldn’t do that anymore. Maybe it was just my bank or just ACH transfers.
3 years ago
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Aaron *******
@Terry *******
 Some US banks won't transfer to Bangkok Bank, some will.
3 years ago
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Dave **********
@Terry *******
 yep did the same thing and the IRS made it harder for banks to comply so they quit.

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3 years ago
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Dave **********
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John **********
One point to bear in mind since your embassy doesn't issue the income affidavit, you must have a full 12 months of transfers of minimum 65k baht each month before you can use this option
3 years ago
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Nick ************
@John *********
 you can have a mixture of cash and transfers but they must total the same. So if you had
*****
baht in your account you could transfer half of
*****
baht per month.
3 years ago
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Michael ********
@Nick ***********
 Very interesting this line of calculations. Can you expand on it? What if you had a higher monthly balance, could your monthly transfer in be less? If you had a standing balance of 65K, then how much transferred in monthly? Is there some minimum monthly transfer activity necessary?
3 years ago
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John **********
@Nick ***********
 if your local immigration office allows you to do that yes. Don't think all do, even if they do you still need 12 full months of 35k per month before you could use this option
3 years ago
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Nick ************
@John *********
 you might be right. Some offices just dont follow the rules but make up their own instead.
3 years ago
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Michael ********
@Nick ***********
 Any offices in particular you might know of? Or how you might figure that out? Can you discuss this kind of thing in an interview at immigrations?
3 years ago
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John **********
@Michael *******
 you must use the office for the area in which you live. Best to go and have a chat with them
3 years ago
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Nick ************
@Michael *******
 the best thing to do us ask at your local office. I have no personal experience but have read several times that a combination of balance and monthly payments is accepted. The balance must remain intact for 3 months after an extension and be topped up 3 months before the next extension. It must never drop below a certain limit I think half of whatever amount you are using. Ie
*****
0 bhat must never drop below
*****
0 baht and must remain at
*****
0 baht for 3 months after e tension and be topped up 3 months before next extension. £
*****
must sit there and never be used. That is why I use an alternative.
3 years ago
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Michael ********
@Nick ***********
 Thanks your advice and John Stanners of going in to the local office, I'm in Bangkok, for a chat. Will do. But you lost me with the rest...the previous convers was regards the 65K method, not 800K. ?? can you address that? I have less than zero interest in 800K and looking to build a functional method combining monthly 65K deposits over a year plus methods of being visa-ed and living in Thailand as much of that time period as possible. Thoughts?
3 years ago
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John **********
@Michael *******
 no point repeating. It's all above
3 years ago
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Michael ********
@John *********
 imho it bears a lot of repeating. It's not clear and the default always circles back to 800K for lack of creative thinking I guess
3 years ago
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John **********
@Michael *******
 I can't help it if you don't like the answers, they are what they are. Go speak to your local immigration.
3 years ago
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Michael ********
@John *********
 Okay, I'll leave you with 'the answers' such as they are. 555
3 years ago
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Michael ********
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Michael ********
@John *********
 So how to manage living visa-ed in Thailand while building a year of 65K deposits?
3 years ago
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Michael ********
You know this how?
3 years ago
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John **********
@Michael *******
 it's the rules. Thai immigration allowed a workaround for those from countries whose embassies stopped issuing the income affidavit and that's what they came up with. They're pretty strict about it, even if you skip one month but transfer double the next it's not good enough.
3 years ago
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Michael ********
@John *********
 I don't see 'the rules' anywhere on this except 65K/month for a year. I have seen a little more info, rule, on Thaiger. It's hardly a work around. The embassy letter was a once a year event that validated monthly pension/income. This, on it's face is brainless.
3 years ago
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John **********
@Michael *******
 there are 2 methods

1, 65k per month each and every month for 12 months before applying for an extension

2. 800k in a Thai bank account for at least 2 months before applying for an extension

Obviously if you haven't been here for a year you won't have had a bank account for a full 12 months so option 1 is not available to you.

Option 2 has always been available even when your embassy did do the income affidavit.
3 years ago
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Michael ********
@John *********
 Yes, well familiar with the boiler plate info. opt 1 and 2. I don't remember opt 2 being offered/suggested when i was using the embassy letter at that time, but in any case it's so ludicrous viz using the embassy letter, would of been ignored straight away if it was. Guess I'll be visiting Immigration to discuss and querying the 'agents' for a work around on the 65K method. If nothing else one could use other visa types to stay Thailand while banging in 65K monthly for a year.
3 years ago
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Dianne *****
@Michael *******
 you can spend the whole 65K every month, there is no minimum amount that you need to keep in your account over the year, between extensions
3 years ago
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Michael ********
@Dianne ****
 Yes, a Moderator here had said this also, thanks. Do you know if there is any requirement to use particular banks or is it any bank in Thailand? My account is with Citibank Thailand.
3 years ago
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John **********
@Michael *******
 it's not immigration that stopped providing the income affidavit, it's your embassy. I'm not aware of any "workaround" for the 65k method other than using the 800k method
3 years ago
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Michael ********
@John *********
 Yes, I remember some kerfuffle between the embassies and Immigration that got the embassy to withdraw it. I'll find a work around and keep it posted here. If all you need to show is a 1 year history of 65K monthly deposits from outside Thailand, then apply, the work around is how you remain in or near Thailand for a year.
3 years ago
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Michael ********
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John **********
@Michael *******
 for the first year you need to use the 800k banked money method
3 years ago
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Michael ********
@John *********
 Doesn't sound right. Can you discuss with Imm officer and show existing deposits of 65K?
3 years ago
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John **********
@Michael *******
 sure if you have a full 12 months of deposits. But if you don't they won't entertain it.
3 years ago
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John **********
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John *******
@John *********
 Essentially 880 BHT! 😂😂 To Funny
3 years ago
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John **********
@John ******
 12 * 65 = 780
3 years ago
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John *******
@John *********
 Yes! 65,000 X 12 = 780,000!
3 years ago
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John *******
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Dave **********
The US Federal Government most certainly will Direct Deposit Social Security, Military Retirement, Veterans Disability Widows Benfits and so much more.
3 years ago
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John ********
@Dave *********
 is it the same for SSDI ?
3 years ago
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Dave **********
@John *******
 not sure but seems it would be as paid by the Treasury.
3 years ago
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Dave **********
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John *******
Call up the US Embassy Social Security people in the Phillipines, open a Bangkok Bank direct deposit and fixed deposit account. It is faster to submit tje paperwork for the direct deposit directly with SS Phillipines then with the bank. I heard at a later time that SS will deposit to any Thai bank. No costs for money exchange. Money will come in around the 4th of each month. Do not confuse the date with the deposit dates that are found in the US.
3 years ago
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Robert **********
@John ******
 Philippines Social Security used to only transfer to Bangkok bank, but that changed a couple of years ago. They will transfer to any Thai bank now. Thai banks are usually hostile to foreigners, and you will have to go from branch to branch, but eventually you will get an account. If you still have trouble, there are visa agencies that will open a thai bank account for you for about 5000 baht.
3 years ago
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John *******
@Robert *********
 The only problem would be the over 50,000 baht limit. Best go with Bangkok Bank direct deposit from SS and pay a 15 baht fee. Then transfer it to a fixed Bangkok Bank savings account.
3 years ago
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Robert **********
@John ******
 i think that limit only applies to non bank transfer services like Wise
3 years ago
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John *******
@Robert *********
3 years ago
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Robert **********
@John ******
 Yes if you transfer yourself. But if Social Security is transferring to the bank that’s a different story than Wise.
3 years ago
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John *******
@Robert *********
 Whatever man! I am sure u tried every bank to know. I trust u bro. Just let me eat my salmon tacos!
3 years ago
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John *******
3 years ago
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John *******
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Daniel **********
@John ******
 no cost for money exchange. Only 100 Baht incoming transfer fee.
3 years ago
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John *******
@Daniel *********
 I checked the code. It is the commision for the transfer.
3 years ago
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John *******
@Daniel *********
 15 baht charge each time. COM code.
3 years ago
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John *******
@Daniel *********
 From what I read a year ago, there is no cost if going through US social security through the Phillipines. Let me check my Bangkok direct deposit and send a photo.
3 years ago
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Daniel **********
@John ******
 Bangkok Bank charges a 100 Baht per incoming wire-transfer fee. I get 2 payments on the 3rd of the month from SSA = 200 Baht. Been to the bank asking about it and the answer = everybody pays a 100 Baht incoming wire transfer fee. There is no way around it.
3 years ago
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Daniel **********
@John ******
 I've never seen an entry on my statement. It's factored in. In fact the guy at the bank showed me the math; rate of exchange X USD on each date - always a 100 Baht difference. I would see what the 15 Baht is for?
3 years ago
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Daniel **********
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John *******
“Monthly income of at least THB 65,000 (income affidavit from your embassy in Bangkok)”. But it does not say deposited into Thai Bank. And I have seen posts that Embassy’s are not doing this.
3 years ago
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Bobby ********
@John ******
 US Embassy does not give affidavit, so the 65k must be transferred internationally every month
3 years ago
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John *******
@Bobby *******
 Okay but how will they know that it’s being deposited?
3 years ago
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Bobby ********
@John ******
 When you attend immigration to get the annual extension you must provide bankbook which shows all the international transfers, plus you get a certified statement from your bank which also shows the 12 monthly international transfers.
3 years ago
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Daniel **********
@Bobby *******
 no you don't. I don't even own a "bank book". Statements are fine.
3 years ago
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Bobby ********
@Daniel *********
 If you have a bank book you must produce it
3 years ago
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Dianne *****
@Bobby *******
 and it must have been updated in your bank book on the day that you apply for your extension
3 years ago
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Bobby ********
@Dianne ****
 Yes. And the statement no more than seven days.
3 years ago
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John *******
@Bobby *******
 Okay, thank you
3 years ago
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Kool *******
@John ******
 that is why immigration requires deposit letters from your Thai bank. The deposit shows where it came from. Also, because so many people were lying on the notarized income letter embassies were providing, immigration started requiring that embassies verify the amount being listed before they notarize any income declaration. The US embassy and a few others would not do this so just quit notarizing them, as all a notary stamp is is verifying that the signature is real, not that any data listed is real.
3 years ago
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Kool *******
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Mardy ***********
just deposit it into your bank acc. in the US and do a monthly transfer with WISE
3 years ago
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Scott *******
Yep Dianne, I know all that. And your point is? 🤔 I follow the rules to the letter.
3 years ago
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Terary **********
@Mardy **********
 I think immigration doesn't accept WISE as evidence of a foreign bank? For the past few years I have deposits made to my thai bank account from Wise, would I be able do use that to show money for marriage visa?
3 years ago
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Mardy ***********
@Terary *********
 go to immigration and ask I am from Canada and still get my letter of income from the embassy when they stop doing I am going to use my bank book and a letter from the bank
3 years ago
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Mardy ***********
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Scott *******
Dave, I want to do it directly. It would be cheaper. But I get my pension paid into a Spanish bank account quarterly. So I have to do it this way.
3 years ago
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Dianne *****
@Scott ******
 in order to qualify for an extension of a "retirement visa" (Non immigrant O visa, based on being over 50) you need to transfer the 65K baht every single month from your foreign bank to your Thai bank account and not miss a single month. Missing a single month even by a day disqualifies you from getting your extension based on the monthly income method.
3 years ago
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Dianne *****
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Dave **********
Jade Opal Jasper on year 22 here and for me Direct Deposit (DD) is the way to go. When I assist Vets and their Widows with their VA Claims I have them set up DD as strep one.
3 years ago
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Scott *******
Was just about to type the same 👍🏻
3 years ago
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Dave **********
@Scott ******
 why? DIRECT DEPOSIT is so easy and affordable and works.
3 years ago
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Dave **********
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Carlos *********
You can just put 800,000 bht in the Thai bank yourself. Which I think is also absurd. If you have the money, you have the money! Why must I put it in your pocket for safe keeping!?!
3 years ago
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Carlos *********
Dianne Lee insurance is mandatory? Also you could take the money out and still run up large bills. But you are right! Its a third world countries leverage over you. During marshal law they could just take it! If you hit someone in an accident they would freeze it. Same with any legal action against you.
3 years ago
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Dianne *****
@Carlos ********
 I have heard it is because you might run up huge medical bills. It's kind of insurance for Thailand too to avoid too many homeless farangs who have exhausted their funds and can't afford a ticket home
3 years ago
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Stan *******
@Carlos ********
 the entire country is absurd
3 years ago
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Brandon ************
@Carlos ********
 because you might not have it tomorrow
3 years ago
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Brandon ************
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Ethel ********
I get my social security deposited like clockwork
3 years ago
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Aaron *******
@Ethel *******
 Bangkok Bank has US office in NY, should be able to deposit USA Bangkok Bank Office
3 years ago
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Carlos *********
Deposited into a Thai bank? Only clockwork I've seen the US gov do is clockwork orange
3 years ago
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John *******
@Carlos ********
 Call US Embassy SS in the Phillipines. They are fast.
3 years ago
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Martinello **********************
@John ******
 what do you ask them
3 years ago
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John *******
@Martinello *********************
 Give them your Thai address and tell them u want to deposit directly to Thailand. They will send u the form. Send it back to them only. Bangkok Bank has the same form bit takes months. US SS Phillipine took deposited my money in less than a week.
3 years ago
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Bob *******
Just give SS or whomever your routing and account number no need to go thru all that
3 years ago
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Ethel ********
@Bob ******
 you have to be interviewed by embassy in Manila
3 years ago
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Bob *******
@Ethel *******
 we talking Thailand. What’s Manila got to do with it?
3 years ago
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Jeffrey *********
@Bob ******
 The Regional Federal Benefits Unit covering Thailand is located at the US Embassy in Manila.
3 years ago
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Ethel ********
@Bob ******
 I know. They interview you from Manila embassy. Go online and research this
3 years ago
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Ethel ********
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Dwight ********
ORIGINAL POSTER
@Ethel *******
 thank you!
3 years ago
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Dwight ********
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Thai Visa Advice and Everything Else
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Thai Visa Advice and Everything Else
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