How can I start the process for a retirement visa in Thailand while currently on a visa-exempt entry?

Sep 24, 2022
2 years ago
Scotty *********
ORIGINAL POSTER
Currently in Thailand on a visa exempt, but I am leaving and returning in November or December and would like to know about retirement visa and how to start that process while I am here.

Thank you
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TLDR : Answer Summary
The original poster is currently in Thailand on a visa-exempt entry and is inquiring about how to begin the process for a retirement visa during their stay. Key points from the comments include the necessity of opening a Thai bank account and the requirement of demonstrating sufficient funds (800,000 baht) for the retirement visa. Suggestions for alternatives such as applying for the OA visa for longer stays without bank fund restrictions were also discussed. Additionally, some users highlighted the importance of staying legal and avoiding the use of agents, as well as the potential need for medical insurance. Overall, community members shared various experiences and advice on navigating the visa process in Thailand.
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.
Chinpoh ******
I am applying for non immigrant O visa,I have a bank account but they are asking for medical insurance.Also everthing is online.
VaiAna **********
@Chinpoh *****
, i don’t bother going thru the Immigration . If I spoke and read Thai then I would otherwise for now I’ll just save myself the hassle .
VaiAna **********
@Chinpoh *****
. I just went thru Thai Visa Centre in Bangkok . I provided a Thai Bank Accnt which I acquired in Chang Mai . I went to Chang Mai Immigration , expedite it , paid 500 baht for the letter to show to Bangkok Bank and opened up a bank account .
VaiAna **********
Hassle free hit up Thai Visa Centre . If you don’t have 800,000 baht in the account , they will front the money . You need a Thai bank Accnt though . After that they’ll take care of everything . It’s easy to open up a Thai bank Accnt . I did it for 500 baht in Chang Mai . It took me one day . If you have Line , they respond to messages much faster than email .
Chris *****
I also think it is unethical to resort to corruption in a host country (however normalized it is). It is corrosive of a country's civil service, especially when the guest is from a richer country so can afford to corrupt civil servants, who may then demand from poorer locals. Us rich country folk have a special responsibility to encourage clean government; it's the least we can do given all our advantages, and an important form of solidarity with those who can't spare a few thousand Baht to shortcut a process.
Steve ********
@VaiAna *********
I wouldn't use an agent. It's easy for me to meet the criteria by transferring
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baht each month, so I don't have to tie any money up and it means I am 100% legal. I know someone who used an agent and got caught. He was arrested, put into IDC, deported and is now halfway through a five year ban. I prefer to stay legal as I wish to remain in Thailand.
Ben *****
@Steve *******
I think that's extremely rare and may have been the result of a questionable visa agency. But I'm certainly not denying that it could happen.
Steve ********
@Ben ****
Haha! You don't discover how "questionable" an agency is until it's too late! However you try to spin it, it's illegal. I prefer to stay legal in Thailand. 65,000 baht per month is really nothing, I actually import 85,000 baht per month for living expenses. Why the hell would I pay 20,000 baht to an agent for something that costs me 1900 baht! I guess I'm more money-savvy than many!
Ben *****
@Steve *******
I hear you sir, I personally had a very bad experience with immigration which was no fault of my own several years back and have used an agent ever since. The money really doesn't mean anything to me due to the convenience and lack of any stress. But to each their own. 😀
Steve ********
@Ben ****
Exactly! I've never had any problems with immigration in over twenty years, so I'm not frightened to go there, and I have plenty of money to ensure I'm 100% legal. Not having to look over my shoulder means I live stress-free!
Chris *****
Ah, if this is at all illegitimate I won't, thanks, as a spotless record is very important to me. I didn't realize. Thanks very much for the warning Steve.
Chris *****
Yeah I know and I appreciate the suggestion for sure, certainly not judging, have been in more flexible frames of mind in the past but a bit vulnerable (baby etc) at the moment and want to keep Elite option open.
Todd *********
@Chris ***************
if considering Elite, perhaps verify LTR. Ten year visa for $50k baht with a few perks like no 90 day reporting and airport fast track. Basically the Pro version of Elite IF you qualify
Chris *****
Thanks very much, have tried to get one of the new Smart-S visas, but can't find anyone who knows anything about them. Son is still too young to put in school and be on a parent visa. Pretty sure the Mrs won't let me have a Thai wife, no matter how persuasive the immigration arguments are. So I have a four year gap to fill until I can get us on a retirement one.
Todd *********
@Chris ***************
thousands and thousands of people use agents in the country. It’s big business here. And the stamp is fully legit, just without the hassles
VaiAna **********
Steve ********
@VaiAna *********
You do realise that's actually illegal as it entails paying a bribe to an immigration officer and a backhander to a bank official? It's ok to do it that way, but perhaps you should also let people know that if they're caught it can result in deportation and a five year ban?
VaiAna **********
@Steve *******
, have you ever used a Thai visa agent / agents ? If you have then you know that’s how they all operate in Thailand .
Chris *****
Can you provide any contact for Thai visa center? There are a few when I Google. Thanks
VaiAna **********
@Chris ***************
sure I’ll message you
Scotty *********
ORIGINAL POSTER
Over 50 and have a small bank account so far
Steve ********
If you're returning to your home country, do yourself a favour and get the OA visa with no requirement to transfer money to a Thai bank account. This gives you a clear two years in Thailand with just one strategic border bounce, and absolutely no need to attend any immigration office during those two years. During the two years commence the transfer of
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baht into your bank every month. This will ensure that when you apply for an extension at the end of the second year, you already have the required 12 x monthly transfers. I have no idea why people go with this clunky 90 day method and tying up 800,000 baht for the rest of your life.
Steve ********
@Alex ******
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Steve ********
@Alex ******
The visa expires after 12 months. You then remain in Thailand on the entry stamp which you obtained a day or two before the visa expiry. In order to prolong the entry stamp, you obtain a re-entry permit before leaving the country, meaning you can re-enter and remain until the expiry date on the entry stamp
Alex *******
The "proof of assets" document you referred to here as an alternative to health insurance: "Alternatively, if insurance is declined you can use proof of assets in your home country to the same value as the insurance, although obviously having the insurance is a better strategy"; "It's only for those who are declined insurance. It's on the MFA website. Starts on October 1st". Thank you.
Steve ********
@Alex ******
Which document are you looking for?
Steve ********
@Peter ***************
Sadly the "brokers" you talk about, "Visa Agents" are often just "middle men" paying bribes to immigration officers, in order to short-cut processes and criteria. The information and advice I've given above is sound and legal, and is free. And there are still many people like to remain in Thailand legally
Michael *******
@Steve *******
may I dm you? I want to move to Thailand in December and having concerns about a visa
Steve ********
@Michael ******
You may, although my preference is to always respond to questions in the forum as this can help other people with their questions
Michael *******
@Steve *******
no problem Long story… I am moving to Thailand in December I have no acquired any type of visa yet because it seems most of them I do not qualify for from what I read I am over 50 but do t have the bank funds or the monthly required income I make $1350 in social security from the states Plus I might want to work a little eventually there I even saw if I marry a Thai I still need to put the equivalent of about $10,000 in a Thai bank to get a spouse visa where I can work These requirements baffle me a little because from what I have added up my social security is more than enough for me to live there I don’t want to have come and go through border runs so much and at this time I may have to just go from country to country for awhile like bounce between Thailand, Vietnam, Cambodia, Philippines etc I would much rather just find an apartment, enjoy my life there and maybe meet someone to spend life with A few visa agents have offered help but they all seem shady t me and I want to keep it legal Any suggestions???
Steve ********
@Michael ******
Ok, for retirement visa, if you don't have any savings in your home country, the $1350 pension (which equates to about 51,000 baht) is not going to be enough to qualify for a retirement visa, which has a minimum of 65,000 baht per month. Keep in mind you cannot work on a retirement visa. However, with the married to a Thai visa, the monthly commitment drops to 40,000 baht which is within your scope. You must however, have one year's worth of these 40,000 baht transfers in order to qualify for the visa. You CAN work on a "married to a Thai" visa. There is another perfectly legal way to get the marriage visa without any financial requirements. This is to go either HCMC consulate in Vietnam or to Savannakhet consulate in Laos (just across the Thai border from Mukdahan). These consulates will give you a 12-month O-visa (married to a Thai) with no requirement for any money to be put up. However (there's always a catch), with this visa you will only be stamped in for 90-days at a time, but as the visa has a life of 12 months, you can border bounce every 90 days (any border will do). If you carry out the final bounce close to the expiry of the visa, you can effectively get close to 15 months from the visa. This period would give you sufficient time to be transferring your pension at monthly intervals into your Thai bank account, which means you could then apply in-country for a 12-month extension, and provided you maintain the 40k monthly payments you can remain in Thailand indefinitely with no need for any further border bounces.

Yes there are ways around this by paying stacks of money to an agent, but as I've never used an agent, I'm not familiar with the process.

Your first assignment therefore is to find yourself a Thai wife! 😆
Michael *******
@Steve *******
do you know what documents I have to have with me if I go over to Laos or HCMC? Background check, police report, bank statements, physical, etc?
Steve ********
@Michael ******
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Michael *******
@Steve *******
one more question If I apply for a 60 day tourist visa does the 60 days start when it is approved or 60 days from the day I arrive?? I owe you dinner my friend
Steve ********
@Michael ******
The visa itself has a validity period which starts as soon as it is issued (I believe this is 90 days), however when you arrive you are stamped in for 60 days, irrespective of when you arrive. So even if you arrive on the last day of the visa "active" date, you will still get 60 days. Always remember the visa gets you into the country, the entry stamp allows you to stay
Michael *******
@Steve *******
thanks again I will be taking your ad ice and going to Ho Chi Minh to the Thai consulate there in February and then visit my kids in Japan score returning to Thailand (providing I find my bride lol 😜)
Michael *******
@Steve *******
That part isn’t the problem lol Thank you so much
Dave *********
@Steve *******
How exactly does it work for 2 years? Are u saying I just do a border bounce right before the year is up and it automatically renews for another year? And is the border bounce method only good for 2 years or can I border bounce each year to keep extending? Thanks!
Steve ********
@Dave ********
The OA visa is valid for 12 months and is multi-entry. The beauty of the OA is that any time you enter, you are stamped in for 12 months. So at any point in the validity of the visa you enter Thailand you are always stamped in for 12 months. So if you do a border bounce on the last day of the visa validity you are still stamped in for 12 months, this is how you get the so-called "free year". It is NOT an extension, it is free, and requires no visit to an immigration office. Once the visa is expired therefore, border bounces are no longer possible. At the end of the second year, you can get the standard 12 month in-country extension for 1900 baht, providing you have either 800,000 sitting in a bank account (which to me is a total waste of money) or show
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per month international transfers (the far better method).
Alex *******
@Steve *******
But that also presumably means that the second year only works if you do not leave Thailand for some travel the entire second year? Because once you do leave in the second year, you cannot come back on that visa since it then already expired?
Dave *********
Natalie ********
@Steve *******
so on a non-OA, there is no need to visit an immigration office every 90 days?
Steve ********
@Natalie *******
90-day reporting is done online
Natalie ********
@Steve *******
oh wow! I have to say, the more I read feedback about Thai visas, the more I am confused! We are about to apply for our non-OA (both husband and I are over 50) and non-O for the kids and we feel thoroughly confused, even though I “thought” I had it all figured out. 😂
Steve ********
@Natalie *******
What are you confused about? Give me the questions I'll give you the answers
Natalie ********
@Steve *******
thank you thank you! So we are Canadians but presently in Portugal. We would be going straight to Thailand from Portugal in early December. While in Canada this summer, we obtained our criminal record checks, we had our doctor prepare a medical letter/certificate, we obtained some form of proof of account balance from our bank… thought i had it all and was planning on using the e-visa platform from Portugal to submit to our embassy in Ottawa. Now not sure I can do that? I might need to apply here in Lisbon instead? Also, our main purpose for being in Thailand is for the kids to study in an international school in Phuket. We haven’t picked the school yet and we’re hoping to visit a few in December before committing. Should we scrap the OA route to go through the ED route? Is that simpler? I’ve tried to call the embassy to ask but… 😒. Thank you for your thoughts!
Steve ********
@Natalie *******
You have to be in your own country to apply for OA visa. If your kids are going to school there, you can get a non-O visa under the category of supporting a dependent. This is outside my expertise, as I'm on the OA retirement (and have been for years) and hence I know the OA process backwards. I suggest you join the Thai visa advice group and ask the question there, as the moderators in that group know their Thai visa stuff inside out especially Tod Daniels. They'll give you the precise info you're looking for
Philip *****
@Steve *******
Sorry to hijack but can I ask the following, 1. Can the monthly 65,000 transfer be used as expenses or you cannot touch it? 2. After a strategic bounce on end of first year OA visa period, you get another 12 mths stay. Before your second 12 months is up, you applied for O visa within BKK and on yearly extension since then? As the original OA visa is no more valid.
Steve ********
@Philip ****
The
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you can (if you wish) spend immediately it has registered in your Thai bank account. The 65k method requires zero money to be maintained in a bank account. The stipulation is the money must come from overseas (so you cannot transfer from another account in Thailand). When your second year is up, you can do an in-country extension of 12 months, where you have to show your 65k monthly transfers for the previous 12 months. Many people, myself included, take a trip to our home countries to visit family, friends etc before the second year is up and will obtain a new OA visa from the embassy, and then repeat the process, all the time keeping up the 65k transfers
Philip *****
Philip *****
I’m also on OA route, approved and coming in Oct. Thinking ahead what is the best option to continue staying long term. Thanks
Steve ********
@Philip ****
If your intention is to just remain in Thailand, with no trips at all overseas, you can keep extending every year at an immigration office but must meet the financial criteria, which is either keeping 800,000 tied up in a bank account earning useless interest, or the smart method of transferring
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each month from overseas and being able to access it immediately.
Natalie ********
@Steve *******
awesome, thank you so much!!!
Scotty *********
ORIGINAL POSTER
Over 50, yes.
Scotty *********
ORIGINAL POSTER
@Steve *******
can I start the OA process before I leave? Or is that something I have to do back in States?
Peter ****************
You really want to study the Thai visa Advice group. It is excellent. I'd spend at least an hour persuing it, probably 2 hours. Personally as I've used brokers in import/export many times I have nothing against brokers and appreciate their knowledge and am happy to pay for it to avoid bureaucracy which I despise. But I read this group to know what's going on and I appreciate the attention to detail. BTW, it's not cheap to pay a broker to do this but it makes it easy.

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Scotty *********
ORIGINAL POSTER
Is that done by emails? My closest consulate is Los Angeles.
Steve ********
@Scotty ********
I'm not 100% sure but I think you can do eVisa through the LA consulate. Check the website
Steve ********
@Scotty ********
You do it in the US, as you will require a health certificate and police clearance
John ********
@Steve *******
plus a Thai insurance policy
Steve ********
@John *******
Doesn't have to be Thai, can be any but has to be certified. Alternatively, if insurance is declined you can use proof of assets in your home country to the same value as the insurance, although obviously having the insurance is a better strategy
John ********
@Steve *******
where is the ‘proof of assets’ documented? Do you have a link?
Steve ********
@John *******
It's only for those who are declined insurance. It's on the MFA website. Starts on October 1st
Alex *******
@Steve *******
Would you have a link for this, please, as I cannot find the document on the website? Thanks!
Peter ****************
@Michael ******
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@Scotty ********
, must be over 50 !

Yep, that was what I was thinking. The rest is some paperwork. Also, what you want an IN THAILAND Non imm O based on retirement or the same but asked in a Thai Embassy/Consulate in y'r home country. Both are for 90 days stay in Thailand, so after 60 days or so, you can go for a year extension.
Michael *******
First thing! Open a bank account. Then you will need 800.000 baht to show in it. While your there now. Get your bank account opened. I did mine with Bangkok bank. If you nip in they will explain what you need. ID. Residense certificate ( blue book). Hope that helps for starters 👍. People will give you more info. You are over 50 ? Yes?
Dave *********
@Michael ******
Also worth noting that only Bangkok, Kasikorn and Siam Commercial banks can accept transfers over Thai Bt 49,999 in one transaction.
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