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How can I open a bank account in Thailand without a permanent address for my retirement visa application?

Bank AccountThailand Retirement VisaNON-O VisaTM30 FormResidency CertificateExpats in Thailand
Aug 3, 2025
a day ago
Chris **********
ORIGINAL POSTER
I’ll be coming to Thailand in the 90 day visa with plans to then apply for the non-o retirement visa.

I’ll need to open a bank account and deposit the 800,000 Baht.

How do I open a bank account without a permanent Thailand address?
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TLDR : Answer Summary
The user is planning to arrive in Thailand on a 90-day NON-O visa and aims to subsequently apply for a retirement visa. They seek guidance on how to open a bank account for depositing the required 800,000 Baht without having a permanent address in Thailand. Comments suggest obtaining a TM30 form from the accommodation provider and a residence certificate from immigration, which are necessary to open a bank account. Additionally, it is recommended to apply for the retirement visa before arrival, and various service options are suggested for assistance.
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.
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Roberto *********
The "90 day visa" IS the retirement visa. When you get to Thailand, you merely extend it for 12 months having met the criteria
3 hours ago
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Steve **********
Coming in December where do I apply for the non-0 visa
a day ago
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Lynnette *******
@Steve *********
 through the Thai embassy in your home country. It's done online. As Brandon has clearly explained.
a day ago
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Bernard ************
@Lynnette ******
 Bonjour

Vous dites pays d'origine où le pays où je vis actuellement ?

Merci de votre réponse

Bonne journée
a day ago
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Bernard ************
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Robert ********
@Steve *********
Online with the embassy in your country.
a day ago
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Robert ********
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Paul *********
Get an OX before you come
a day ago
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Michael ********
@Paul ********
 not available everywhere
21 hours ago
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Graham ******
@Paul ********
 You must be an Aussie ;)
a day ago
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Graham ******
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Nova *********
Once you stay in Thailand need to inform the landloard to submit your residence at immigratiom (TM.30) after you move in within 24 hrs. then you will receive TM.30 from them . You can open bank account and use that address.
a day ago
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Frank ******
Wow great stuff I read the post it was a reasonable question and it received a reasonable response with clear instructions and also a clear confirmation from someone else that the information was correct it’s not often nowadays that this happens even amongst older people on here who I would think are mature relaxed as many of them have retired to a beautiful country and live amongst beautiful happy people but I still see ridicule and abuse and arguments but not on this occasion I’m stoked well done to all involved I’m happy for you Chris I’ll be joining you when the kids finish school see you in 8 to 10 cheers all again well done bloody champions
a day ago
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Robert ********
@Frank *****
Seen it happened more than once.

A well formulated question gets more good answers than “I want to stay. What do I do?” 🤣
a day ago
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Robert ********
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Stephen ********
If your coming to Hua Hin Chris, go to Anna’s Visa, you can look her up on Facebook and book an appointment with her, they do everything for you, Thai SIM card, retirement visa, bank account, multiple re-entry permit.
a day ago
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Gio *****
@Stephen *******
 hi, can you send the details
a day ago
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Stephen ********
@Gio ****
@https://www.facebook.com/shar*****************************
a day ago
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Stephen ********
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Valerie *********
@Stephen *******
 Can you send me her contact information (her Line or WhatsApp number)?
a day ago
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Hartmut ********
@Valerie ********
 die Agentur benötigt genau die gleichen Unterlagen wie die Immi. Selber beantragen ist beim ersten Mal schwer, aber dann geht es leicht. Die Agentur ist viel zu teuer
a day ago
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Valerie *********
@Hartmut *******
 thank you!
a day ago
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Valerie *********
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Stephen ********
@Valerie ********
@https://www.facebook.com/shar*****************************
a day ago
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Stephen ********
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Taleporos ********
you love too much?
a day ago
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Chris **********
ORIGINAL POSTER
@Taleporos *******
 ? Sorry. I don’t understand your comment.
a day ago
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Chris **********
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Josh *********
ChatGPT Helpful with bank options
a day ago
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Peter *********
Email Thai Visa centre.
a day ago
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Chris **********
ORIGINAL POSTER
@Peter ********
 thank you!
a day ago
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Peter *********
@Chris *********
 they are excellent in just used them for my Visa.. just email and ask.
a day ago
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Peter *********
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Brandon ************
You need to apply for the 90 day non-O visa from your Thai embassy before you travel. This IS the retirement visa and it's the only time you'll have a visa, after that you'll just be applying for extensions. You would get a TM30 from wherever you're staying and then get a residence certificate from your immigration office. You would then use this to open a bank account. You have to get all of this done and your money transferred within a month of arriving.
a day ago
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Robert ********
@Brandon ***********
Yes. Mine is … don’t know … I got it about 2015. Then you get a yearly extension at your immigration. Costs 1900 and needs a few papers plus some time to wait in line (max 30 minutes in Buriram, but I’ve heard about many hours in Bangkok).
19 hours ago
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Abey *********
@Brandon ***********
 Where is the immigration office in Pattaya ?
a day ago
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Ben *******
@Abey ********
 Soi 5 Jomtien Beach
a day ago
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Abey *********
@Ben ******
 Thank you
a day ago
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Ben *******
@Abey ********
 .. Welcome
a day ago
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Ben *******
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Jim *******
@Brandon ***********
Has anyone had trouble trying to withdraw their money from a Thai bank? This is my biggest fear about getting a visa in Thailand.
a day ago
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Brandon ************
@Jim ******
 why would they have trouble? It's their money. Bangkok Bank will freeze your money for 4 months if it hasn't been in your account for 4 months, but they don't do that in future years if you keep your account balance at that level
13 hours ago
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Brandon ************
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Rini *********
@Brandon ***********
 do you need the 800.000 bath on a thai bank or is it also possible to have it in your home country? Thank you 🙏
a day ago
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Jan ******************
@Rini ********
 You can apply at home for the initial visa with your own bank, but for the extension in Thailand it has to be in a Thai bank account.
19 hours ago
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Rini *********
@Jan *****************
 Thank you
14 hours ago
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Rini *********
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Exit **********
@Brandon ***********
 The non-O visa nowadays is for 90 days only? Are you sure? Some years ago we could apply for the 1 year non-O retirement visa at the embassy in our home-country. We had to do a face check every 90 days at local immigration. Is that not available anymore?
a day ago
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Brandon ************
@Exit *********
 There's a 1 year non-OA visa. But that one has requirements like background check, health check, and mandatory insurance forever.
a day ago
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Robert ********
@Brandon ***********
Correct. Many don’t look at the slight differences in names like O vs OA.

Just as many talk about their “retirement visa” after years of extension. 😉
a day ago
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Exit **********
@Robert *******
 so the 90 days visa non-O can be extended without limit?
19 hours ago
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Exit **********
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Ben *******
@Brandon ***********
 ... Get an agent to do it all for you. So much easier. I had a room in a hotel long term for about five months before I got my condo. The beauty of that is, it gives you time to settle in. No bills. No up front deposits. Room cleaned everyday but that will depend on the hotel if you are getting it cheap for a longer period. You can get a TM30 still because that's how I purchased my bike. If you are staying in Pattaya I highly recommend One Stop Visa in Soi 6.
a day ago
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Ando **********
@Ben ******
 how much it cost for non O visa and Bank account etc. if I have the 800k
a day ago
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Ben *******
@Ando *********
 ... Best to just go into an agent because the costs vary from agent to agent. Most provide an excellent service. I got my bank account, visa and both Thai driving licences. I can't disclose how much I paid because it might have gone up now. But if you're in Pattaya I highly recommend One Stop Visa at the bottom of Soi 6 near beach road.
a day ago
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Ben *******
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Brandon ************
@Ben ******
 you can do all if yourself from your hotel room
a day ago
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Ben *******
@Brandon ***********
 ... You can try. But I highly recommend an agent. They know all the contacts and any rule changes. I have not even been to immigration in over six months. The agent does my 90 day. Just give them my passport and pick it up the next day. Just takes all the stress out of all the officialdom allowing you to settle in peace.
a day ago
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Max *************
@Ben ******
 Imo,it seems you're incapable of doing anything yourself. Did your mother clean your apartment back home and cook for you? 🤔
a day ago
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Ben *******
@Max ************
 ... I am quite capable of doing anything and everything. I just choose to do it my way. You do it how you want. Really don't see why you need to bring my mother into the argument but am sure yours still wipes your ass for you. Everyone to their own, I guess. Have a lovely day.
a day ago
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Robert ********
@Ben ******
I just did my 90 days online. Costs me nothing ;)
a day ago
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Ben *******
@Robert *******
 Awesome. I've still yet to try it online.
a day ago
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Robert ********
@Ben ******
Works well and easy.

You may need to give a call to your immigration. Mine isn’t looking into it every day, so I need to tell them to do their job 😉

And: the first time after entering the country must be done by an officer (don’t know why, it is what it is).

Here’s the link

*******************************************
a day ago
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Robert ********
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Coretta **********
@Brandon ***********
 great info
a day ago
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Chris **********
ORIGINAL POSTER
@Brandon ***********
 thank you!
a day ago
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Jan ******************
This is in fact all you can do, but be prepared to visit several branches. I was denied in three branches with a Non O and a residence certificate before I was allowed in the fourth. The others demanded also a house book or a work permit or the first year extension of stay done as well.
a day ago
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Sharon ***********
@Chris *********
a day ago
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Jay *******
@Chris *********
 just went through the process and Brandon's explanation is exactly correct. Not overly difficult. For much less hassle you can use an agent to push the paperwork.
a day ago
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Jay *******
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Thai Visa Advice and Everything Else
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