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How do I show proof of 400,000 Baht deposit for a Thai bank account when applying for a visa?

Apr 16, 2026
14 days ago
Damian ******
ORIGINAL POSTER
Confused.com

If I need a visa to open a Thai bank account then how do I show a 400,000 baht proof as a deposit in a Thai account to get,me visa🤣

Forgive my stupidity im sure there's an easy explanation
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TLDR : Answer Summary
To open a Thai bank account and show proof of funds for a visa, you typically need to apply for a 90-day Non-O visa from outside Thailand. After arriving, you'll need to open a local bank account and deposit the required funds (400,000 Baht for marriage-based visas or 800,000 Baht for retirement visas). These funds must remain untouched in the account for at least two months before you can apply for a 12-month extension of stay. It's advisable to bring documentation, including a rental contract and proof of residence, when visiting the bank.
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David **********
Every bank will give you a different answer and I swear sometimes the staff just have no idea or couldn't be bothered.
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Bill *****
You just show them your non-thai bank account where you have an equivilent of over b400k
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Sandy ********
Your statement is incorrect, you do not need a Thai bank account to get a visa, they are obtained outside the country. You need a Thai bank account to apply for an extension of certain visa categories from Thai immigration.
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Mi**
What about health insurance
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Night *******
You get an O visa to enter Thailand and open the bank account and then deposit 400K for your extension. If you can't figure out this simple thing, maybe you should stay at your home country and not come ot Thailand; otherwise, you will be perpetually confused
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LaGenia ********
Is it common for visa atty to ask for a
*********
before you meet
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Ole ***************
For a Non O visa based on retirement this is what is required: 1. Passport or travel document with validity not less than 6 months.

2. Photograph of the applicant, taken within the past six months.

3. Financial evidence in English: applicant’s bank statement showing a balance in the amount of not less than 800,000 Baht – or a pension certificate with a monthly salary, after-tax, of not less than 65,000 Baht

4. Proof of accommodation: Copy of hotel reservation / rental contract/deed. In case of residing with a family, an invitation letter from the host family along with a copy of their undersigned Thai ID or house registration is required. The name of the applicant must be indicated clearly.
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Mark ********
Single is 800k married is 400k. If you're doing it yourself you need 12 months statements with that money showing for 4 months prior to the time of the visa. People will tell you many different things and I'm sure every immigration office and every officer will say different. I've heard them all, that's the safeguard figures. If you're using an agent and have the money, they can ask for 1-3 months and charge different amounts for the different months. If the agent does it all inc the money it's a 10 min in and out thing.
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Philip *********
Why don't you show a monthly income of 40,000 coming into thailand. If it's your 1st visa get a agent they will open a Thai bank for you
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John **********
Philip Gornall For the first extension of stay you can't use monthly income unless your embassy issues an income certificate. For following years an increasing number of consulates will only allow the 40k baht method if that money is earned inside Thailand
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Philip *********
@John *********
and also I never got a letter off the embassy because they don't give them out. I just showed 40,000 a month. My agent give paper work to take BBK bank and 30 mins later I had a Thai bank account
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John **********
@Philip ********
things work differently if you use agents. My advice is based on the requirements for people to do things themselves
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Philip *********
@John *********
well go back to 1st comment and I said get a agent. And after I got my 1st extension I did the 8 years myself and never had a problem
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Phil ******
Philip Gornall 8 years ago the agents worked with a different set of rules. Its changed considerably since.
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Phil ******
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Philip *********
@John *********
that's funny because I did when I got mine
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Philip *********
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David *********
Hi, I have the Non-O visa secured through the London embassy, is it possible to open a Thai bank account with this visa with a smaller deposit, or do I have to go down the 800,000baht 3 months seasoning route, thanks in advance, David.
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John **********
@David ********
it depends on the reason you were issued with the Non-O visa. For retirement ( over 50) you need 800k baht in a Thai bank account for 2 months before applying for the 12 months extension of stay. If it was issued based on being married to a Thai then its 400k baht. You have no other options for the 1st year as the UK embassy won't issue an income affidavit/certificate
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David *********
@John *********
it was approved on the retirement basis(over 50) I (obviously misunderstood a post elsewhere) thought that the Non-O allowed you to open a bank account ahead of doing the 800k Baht seasoning
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John **********
@David ********
yes it does. Arriving in Thailand with the Non-O visa will allow you to open a bank account, you can put as much or as little into the account as you wish. However if you want to apply for the 12 months extension of stay you must have 800k baht in your thai bank account for 2 months before you apply for the extension. Note that's not the day the 90 days you get stamped in for runs out, it's the day you apply. It's not a good idea to run it down to the last days
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David *********
@John *********
that's good to know, thanks for the info and taking the time 👍🏽
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David *********
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John ********
if your having problems, just use an agent they will sort it all out for you
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Fed ******
Actually some ambassy it's 3 months and visa process one more month . So xpect 3or4 month to obtain visa
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Bruce ******
Get you visa in your home country. You are not need to show funds in your home account. You get your visa, fly in and open your Thai bank account. It’s easy
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Wkim ***********
Bruce John so true ♥️
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Nongnuch ********
Bruce John You need funds (of either 400K or 800K equivalent) in your home bank account (or in ANY account ANYWHERE as long as you prove it is in your name) if you apply for a Non-Imm-O Family or Retirement Visa through the e-visa online system of the Thai embassy in your country.

The funds can be in your home country’s currency.

Actually, for the visa application, most Thai embassies worldwide now require you to upload THREE months of account statements showing the required funds (400K or 800K equivalent)

Only for the application to the 1-year Extension of Stay, the funds must be sitting in a Thai bank account in your sole name.
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Nongnuch ********
Bruce John actually, for the visa application, you need to upload THREE months of account statements showing the required funds (400K or 800K equivalent)
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Nongnuch ********
Bruce John of course he needs funds in his home bank account (or in ANY account ANYWHERE as long as he proves it is in his name) if he applies for a Non-Imm-O Family or Retirement Visa through the e-visa online system of the Thai embassy in his country
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Nongnuch ********
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Rodney *********
I used a agent, no headaches
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Vaughan *********
@Rodney ********
if you don't mind me asking,how much from start to finish did it cost you ? Running around like a headless chicken doesn't sound appealing to me, thanks.
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Scott ********
Vaughan Stewart 65k baht. Did all my paperwork and opened up bank account all in the same day
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Scott ********
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Tommy ******
Damien it's simple, it does not say in a Thai bank account but shows you the amount in Thai baht you need to have in any bank account. Or financial proof that you have income of that amount in baht. 🙏
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Nongnuch ********
You need funds (of either 400K or 800K equivalent) in your home bank account (or in ANY account ANYWHERE as long as you prove it is in your name) if you apply for a Non-Imm-O Family or Retirement Visa through the e-visa online system of the Thai embassy in your country.

The funds can be in your home country’s currency. If they only mentioned “equivalent to XXX Thai Baht” then we would know that the funds can be in another currency. Thai embassies, sadly, are not known for crystal clear explanations in English language.

Actually, for the visa application, most Thai embassies worldwide now require you to upload THREE months of account statements showing the required funds (400K or 800K equivalent)

Only for the application to the 1-year Extension of Stay, the funds must be sitting in a Thai bank account in your sole name.

If you use the income proof method, keep in mind that even while you can upload original income documentation into the visa application, once you have entered Thailand and wish to apply for the 1-year extension of stay, you can only use the income method if your country’s embassy is still issuing income affidavits.
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Nongnuch ********
Tommy Ling it should say "equivalent to XXX Thai Baht" then everybody would know what is meant
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Tommy ******
Nongnuch Kamdee Yes, true.
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Tommy ******
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Med *****
Easier to open accounts in non government banks. Banks like Krung Thai very difficult. I have held an account there for 23 years and tried to open extra interest account and I had to provide many documents. Pink ID, Yellow Tabien Ban, Form from Amphur saying I still live there.and the usual passport, visa ect.
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Andreas *********
For the application to a Non-Imm-Visa Class (based on retirement, married to a Thai wife, sponsoring half Thai child, employment, etc.) outside of Thailand, you prove money in your home bank account or your monthly income, using original income documents.

For example, if you wish to apply to the Non-Imm-O Retirement Visa, you need proof of a deposit in your country’s currency equivalent to 800,000 THB – in ANY bank account ANYWHERE as long as it is in your sole name. Or a proof of a monthly income minimum of 65,000 THB equivalent.

Only when applying on Immigration inside Thailand, for a 1-year Extension of Temporary Stay Permit based on Retirement, the 800,000 THB deposit must be in a THAI bank account in your sole name.

So, right after you have entered Thailand on a Non-Imm Retirement Visa, you should get a Thai bank account opened as soon as possible, because you will need to season the deposit for 2 months before you can apply for the 1-year extension.

Thai bank account opening MINIMUM pre-requisites are:

*** have a longterm visa, like a 90-days Non-Imm-visa type, an LTR or Non-O/A

*** be properly registered per TM30 Online System at your accommodation

*** visit Immigration and get the “certificate of residence”. Immigration in this document will ask the bank explicitly to open a bank account for the applicant

*** have a Thai mobile number and the SIM-card registered to your name and passport number

*** your passport as a valid document of identification

(some banks have started to ask you for another piece of identification, like your home country driver’s license)

*** a work permit (only if applicable – it is NOT a mandatory requirement!)

Here a list of NOT commonly NECESSARY pre-requisites, but which CAN get asked from (incompetent!!) bank staff:

*** a rental contract - actually irrelevant- but it is okay if you got one, or if you got a blue housebook indicating ownership of a condo.

*** a third piece of identification (check above)

*** a mandatory life-insurance or accident insurance the bank offers you for yearly 5000 Baht (they love to earn a sidekick)

*** your foreign Tax-number or Social Security number (which would be okay so far, why not)

Try several branches of different banks, you might find one that opens an account for you under the minimal requirements. Sometimes it takes a day or two of running around until you find a bank willing to help you.

I don’t recommend Bangkok Bank. Better get a Kasikorn or Siam Commercial Bank Plc. Account. Other good banks are Khrungthai and Khrungsri

In case you consistently meet bank staff who resist and pull out of their noses random requirements, use the service of an agent. In Pattaya for example, you can get your Thai bank account opened for 5000 THB.
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David *********
Look at the requirements at the Thai consulate or embassy where you are applying. The required amount is in your own country. Then once you are approved you will get 90 days on the non-o and in that time you have to open a Thai bank account and season the funds you need in order to be approved for a one year extension of stay based on marriage.

The key for you is to get the right requirements from the consulate or embassy that has jurisdiction for you.
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David **********
Getting the Non-O for 90 days is easy. Try getting a bank account on a Non-O during the 90 days.

I made 6 or 7 bank contacts, same branch different locations, could not get a bank account.

At the time my girlfriend’s name and number was on a piece paper needed for the bank account.

They called her. She told them I was her husband. Every barrier was destroyed. Gave me a bank account on the spot.

The bank account baptismal is a weird entrance to Thailand.
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Lynnette *******
You get your visa before arriving. That's the obvious way to do it, just like in most countries. Banks in UK, USA, etc don't give accounts to tourists. . You don't arrive without a visa then decide to go get one so you can open a bank account.
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James ******
800,000 bt
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Kelly *******
I have a question relating to the UK bank account requirements. Can I have £20k in an easy access savings account ?? TIA
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Ian *********
go for 1 the new 5 or 10 yr passports .5 yr is pay 19,000k so i hear and not need keep 800,000 in thai bank.the 10yr one is 35k or go cambodia .250 usa dollar for a years visa and no money needed in bank account or proof income . as far as i know .
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Karl *******
Doesn't have to be in a Thai bank account, and doesn't say that.
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Ian ********
You show the money in your own country UK ? Bank and then apply for the non o in UK
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Dave *********
It’s not backwards nor confusing, it’s people like us using the wrong language.

You apply for the initial 90 day visa from your home country using funds in your home country bank.

That will get you the visa.

After you arrive, you will use that non-O visa to open a Thai bank account where you will place the funds necessary to process your annual extension of stay before your 90 days expires.

Initial visa and annual extension of stay are basically two different processes and should be thought of as two different concepts.

But people conflate them by saying clever things like “you need a visa to open a bank account but you can’t get a bank account unless you have a visa”. It’s just not true. 

The non-o is one of the visas that guarantees you can open a bank account here in Thailand. If an employee at a bank told you otherwise then they are misinformed and you need to talk to their supervisor. 
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Peter **********
Thousands of others have done it. Contact Thailand’s Immigration Bureau or the Thailand Embassy/Consulate in your home country.
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Charlie *******
Yeah, they’re a little bit backwards. Sometimes it’s scary how frustrating that can be. 
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Christer *****
Charlie Brown just normal reading skills required
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Charlie *******
Christer Bau lol
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Charlie *******
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红红***
Non O Visa is not enough to open a bank account. U need to have house registration yellow book and if possible pink card
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Ling *****
红红不害人 not correct. I have never had a yellow book or pink ID card and I have 2 bank accounts. Last year during the incidences with B Bank several of my friends changed banks, none had yellow books or pink ID card.
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红红***
Ling Gah last year and now is different. Ever since the cases of mule accounts from scam funds, they tighten their requirements greatly
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Thor ******
红红不害人 es spielt vielleicht auch eine Rolle aus welchem Land man stammt.
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Thor ******
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Frank ********
红红不害人 😄 🤣 😂 not true at all
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Frank ********
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Mick *********
My experience was as follows:

Applied for a 90 day visa in uk a month before travel. E Visa took about 10 days to arrive. I printed a copy and completed the TDAC and arrived in Bangkok. Passport stamped as well as the printed visa. I checked with k bank and they told me I needed to bring my passport, the visa, a TM30 and a rental contract. Once I had all of that as well as a Thai contract phone number I went to the bank and opened an account. I then transferred money into the account by using Wise. I then went to a Visa agent and applied for a retirement visa. The 12 months validity of this visa started once the 90 day visa expired giving me 15 months in total. Another way to do it if you have time and the correct documents and funds is to apply for a retirement visa before you travel. You can easily do that but it can take time in uk to get the police and medical documents ready. Opening a bank account will be the same process though.
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Lynnette *******
Mick Aynsley you didn't get a 12 month visa off an agent. You already had the visa before arriving. It was used to enter. You got the 12 month permitted extension of stay that costs about 1,900 tbt at the immigration office. You probably paid an agent to do the 12 month Extension which you could have done for 1,900 tbt.
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Mick *********
Lynnette Munoz actually it’s 1900 for the extension fee and a further 5000 for the multi entry visa. You can do it your self but I have the money to pay for the Convenience.
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Lynnette *******
Mick Aynsley so as I said, 1900 for the 12 month Extension of stay.
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Lynnette *******
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Family******
It is 400k baht, must stay NO LESS than that for 2 months prior to your Non-Imm O marriage-based visa. Thai bank only. But you will first apply for Non-Imm O visa outside of Thailand, enter, then you have 1 month to open up a local bank account, 2 months to leave your 400k fund UNTOUCHED, not even 1 baht less. Then 2 weeks before your visa is done you go to your nearest local immigration office building to submit all paperwork. You will then be given another extra 30-day extension for documentation/interview purposes. Your handler will tell you NOT to leave the town during these 30 days and you should expect twice or thrice of sudden visitation. If, and if during these 30 days your visa application is not done yet, you will be given another 30 days but it is very unlikely you will need to pay 1900 baht for another 30-day unless you miss out something crucial.

Please note, for EACH additional 30-day you will be asked to pay 1900 baht. The final fee to receive 1-year non-imm O visa is also 1900 baht. So you wish you'd better get it done with just one extra extension instead of multiple times extensions.

And every 90-day or so, FOR THE FIRST report you will be asked to personally submit it yourself at the immigration office building that issued your visa, cant be done online yet. Therefore after, online or mailing is an option. I normally just skipped this tedious 90-day report and do it on the last month i'm about to re-extend the non-imm O visa. I paid a penalty but it's the same penalty as if i were late one day or 11 months. Be sure to apply for multi-entry in case you need to leave the country within the period of your visa.
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Craig ******
FamilyPacker Which bank did you go ? I went to Krungthai last week with my non-Imm O visa (90days), they say they cannot open the bank account for this visa.
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Family******
Craig Park i had Krungsri bank since 2002 when i was studying bachelor degree in Thailand, upon graduated i never closed the account and kept enough money on it. Later married my classmate who is a Thai. Yes, i've heard the banks are getting stricter with foreigners open account, it was such a breeze to open multiple bank accounts decades ago. You should try different banks since some of them might be lenient toward foreigners, also it would be a good idea to have a letter from your embassy to support your reasoning to own local account.
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Family******
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Mychi ****
Please don’t quote me as I may be incorrect. Could it be that you have funds up to the value of 400k or 800k in any bank. Then when you get here with the visa then you can open a Thai bank account.
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Lynnette *******
Mychi Le yes. Equivalent funds
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Lynnette *******
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John **********
If you don't already have a Thai bank account you need to get the 90 day Non-O visa outside of Thailand, if you're already in Thailand just go to a nearby country and apply there showing funds in your home bank. Once you have it return to Thailand and make opening the account your priority as you need funds in the account for 2 months before applying for a 12 month extension of stay. Get a residence certificate from immigration and a Thai SIM card registered against your passport before visiting a bank
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Wkim ***********
@John *********
I think it will be more easier when you apply non o visa from thai embassy from your home country, because you could get all the papers what they need.
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Determine*********
@John *********
you reckon ,

Can we use thai bank account when applying non o marriage visa from outside of Thailand make sure even closing balance of 400k thai is less than a month old ?
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John **********
DeterminedFrog5505 yes, you can use any bank in your name when applying outside Thailand
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John **********
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Law ********
@John *********
well said!!👍🏾
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Law ********
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Stuart ***********
You have to get the 90 day non-O visa before coming to Thailand. You can then open a bank account and extend your stay.

It used to be possible to open a bank account on a tourist visa, but not anymore.
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Craig ******
Which bank did you go ? I went to Krungthai last week with my non-o visa (90days), they say they cannot open the bank account for this visa.
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Doug *******
Craig Park Kasikorn seems to be the least stringent. Just make sure you bring a certificate of residence, a Thai phone number with documentation proving it’s affiliated with your passport number, and of course your printed non O visa and passport. An extra ID from your home country (driver’s license) might be handy also.
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Stuart ***********
Craig Park unfortunately Thai banks can see foreigner accounts as more of a nuisance, so you need to do some leg work and go to several banks until you find one that will open an account for you. I have accounts with Kasikorn and Bangkok Banks, but I had to try about 8 banks/branches before I managed to open my original account. It's probably the most challenging part of the visa process.
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Craig ******
Stuart Chiverton Thanks I'll try other branches. May I know when did you opened your original bank account and which branch? It's getting more and more complicated over time I heard
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Stuart ***********
Craig Park i opened it with Boonthavorn Hua Hin branch about 4 years ago.

The banking situation changed about a year ago and became more strict, but it's definitely still possible to open an account if you have a non-O visa. Douglas Olsen provided some excellent advice to make the process as smooth as possible. Good luck.
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Stuart ***********
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Rusty ****************
Stuart Chiverton would an ED visa given its non-O be adequate to open a bank account?
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Stuart ***********
Rusty McPatty Jones I think so, but I am not an expert Rusty. I would post the question in the group separately so that you can get a definitive response from the moderators.
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Stuart ***********
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Colin **********
You buy a 90 day non o visa outside of Thailand, you then have 90 days when you enter Thailand to open the bank account
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Iuliana *****
Colin Chaffers After opening the bank account you must stay in Thailand the next two month or you can leave end return for the rest of formalities?
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Ivan ************
Iuliana Hau options if you need to leave:

- get a reentry permit and return enough in advance of the original 90 days to extend;

- get another non-O to return;

- if you return on a tourist entry, convert that into a non-O (possible once you have the bank account) and then extend that a few months later.
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Ant ***********
Iuliana Hau

The 90 day Non-O , from outside Thailand , is a single entry - after fulfilling the requirements for the 12 month extension ( within the 90 days ) you can get a Multi entry component
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Ant ***********
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Marianne ********
Colin Chaffers you have 30 days to sort out bank account and the transfer, since the money need to season for 2 months in the account before you apply for the extension of stay
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Marianne ********
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