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Answereda month ago

How do I start the process for obtaining a retirement visa in Thailand?

Wannikea *********
asked Sep 28, 2026
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Answer summary
To obtain a retirement visa in Thailand, start by applying for a 90-day Non-Imm-O Retirement Visa through the Thai Embassy's e-visa system in your home country. After entering Thailand, you'll need to register your accommodation and open a Thai bank account to deposit a minimum of 800,000 THB. Within the 90-day period, apply for a one-year extension of stay permit based on retirement. Different methods exist for proving financial stability, including using embassy income affidavits or maintaining the required funds in your bank account.
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Rich ********
Rich ********
No. 1 – Apply online for a Non-Immigrant O Visa.

No. 2 – When you arrive in Thailand with your Non-Immigrant O Visa, open a Thai bank account and deposit 800,000 baht.

No. 3 – After the 800,000 baht has been in the Thai bank account for the required period, apply at your local Thai Immigration Office for a retirement extension. Bring your TM30, passport photos, bank book/bank statement and bank certificate, along with the other documents required by your local Immigration Office. The application fee is 1,900 baht. Some offices may also ask for a Residence Certificate (TM.16) or additional documents.

Ask the ladies at the information desk at the Immigration Office for advice — they are very helpful.

No. 4 – Don’t have a Thai bank account or the 800,000 baht? Forget Nos. 2 and 3 above and go to an agency instead for assistance. Costs can be around 35,000 baht upwards for the first application, and 12,000 baht upwards for an annual renewal, depending on the agency and circumstances.
Bernard *********
Bernard *********
Google it ! Immigration thaïland....
Chris **********
Chris **********
I'd advise obtaining yhe Non O Visa, rather than the Non OA visa, as you do not have to have insurance, or Police clearance. Im told you can obtain the Non O in your own country, but many of us obtained it in Thailand. I came in on a 60 Tourist Visa which enabled me to complete the process. The sticking point could be opening a bank account though. It's still possible, but it appears to be getting more difficult. Check Google for all the required paperwork. It's time consuming and sometimes a little frustrating, but you can do it yourself for 1900 baht, rather than paying an agent 10 times that.it funny, but I came here nearly ten years ago, determined to remain single. I've now been married for 5 years and never regretted it! 😂 Good luck brother.
Mick *********
Mick *********
Plenty of money 💰😄
Kevin ***********
Kevin ***********
Look it up on Google, not fb
Simon *******
Simon *******
If you apply for a non O 90 day visa in Irland then come to Thailand an agent can sort a bank account out and a 12 month extension for 15,000-20,000 bht by an agent,if you dont get the non O before you arrive the non O and bank account will cost you 50,000-70,000 with an agent.
Nongnuch ********
Nongnuch ********
Simon Adams correct. It is ALWAYS advised to apply for the 90-days Non-Imm-O Retirement Visa before you fly to Thailand. If you use your own funds, or in the case of an Irish citizen the Irish Embassy's income affidavit, an agent service is helpful and very convenient to use. Of course one could do it all by himself - opening the bank account is around 5000 THB with the help of an agent, and the 12-months extension would be further 1900 THB, but the "full package service" from an agent sounds better
Ken *******************
Ken *******************
Suggest you to apply in Ireland thai embassy for retirement visa. Once you get it, you can go to Thailand and use that visa to apply for a banking account. After 15 months (3 months temp visa and 12 months one year visa);.. when is time to renewal, leave the country and go back without a re entry visa. Then start all over again to apply the retirement visa in Thailand. By doing so you can save the insurance money of which required to purchase for the visa that you got from Ireland
William **********
William **********
Just read the regulations that are published by the Thai Immigration Department.
Lee ******
Lee ******
You can do it yourself if you don’t want to use an agent. Best of luck🌟
Jonathan *************
Jonathan *************
Any comments mentioning potatoes will be removed
Richie *******
Richie *******
Jonathan Pressburger Do they have spuds there?
Jonathan *************
Jonathan *************
Richie Bates they have Guinness
John ********
John ********
Use the E visa system on-line you have time ..get all paperwork together apply at thai embassy in your land for a 90 day visa cost about €50..go to Thailand open bank account..go to the Irish embassy get a affidavit cost about 1500 baht ..take the affidavit to local immergration office.. get your retirement visa ..cost about 1900 baht
Nongnuch ********
Nongnuch ********
John Molloy everything COOL, however your terminology looks like a mashed potato. On 😄 "immergration" you get a 1-year extension of a temporary stay permit. You do NOT get any so called retirement visa on 😆 "immergration". The one-year Extension is a STAY PERMIT, it is not a visa. The REAL "retirement visa" is the 90-days Non-Imm-O Visa which you obtain outside of Thailand
John ********
John ********
Nongnuch Kamdee yes you ate correct ..it was the none O visa I was talking about..sorry if I did not make that clear
Gary ***********
Gary ***********
You need to get one of these from the Thai Embassy in Dublin 😁😁😁
Pabo *********
Pabo *********
Gary Colclough and I’m sure you know the history
Pabo *********
Pabo *********
Gary Colclough ok maybe I was a bit sensitive but, it’s just happening to often lad
Gary ***********
Gary ***********
Pabo Caffrey ok but honestly I'd didnt mean anything by it
Pabo *********
Pabo *********
Gary Colclough ok sound lad,
Pabo *********
Pabo *********
Gary Colclough ok you insult me and I’m in the wrong, so I apologise to you , is that it ???
Gary ***********
Gary ***********
Pabo Caffrey there was no insult it was harmless banter , goodbye
Pabo *********
Pabo *********
Gary Colclough you a bit of a racist bastard, I bet you wouldn’t say it to my face.
Gary ***********
Gary ***********
Pabo Caffrey oh FFS that is a new level of touchiness don't you think? I have loads of Irish mates and not one would be remotely offended by that, think you need to have a look at yourself
David *******
David *******
Google for real information. Easy.
BronzeHa*********
BronzeHa*********
Why the hate for asking a question into a “Thai visa” group?? Surely it’s just another vehicle to support people alongside Google/Claude etc… whilst giving individuals the chance to talk to people about real life experiences

If not appropriate fair enough I guess but then what’s the purpose of the group?
Liam ***********
Liam ***********
Apply,online

If you have an Irish passport and can prove your pension income is above the minimum requirement to the Irish embassy in Bangkok they will write you an embassy letter signed by the consulate in charge.,take this letter to immigration while on your 90 day o visa and fill in the appropriate paperwork for your 1 year extension based on retirement

In my case it was all done and passport stamped in 1 visit,no Thai bank account needed,no funds to season in a Thai bank,no back and fourth to the immigration office,the embassy letter is sacrosanct

Our lovely Irish embassies are one of a very few that do this,

Americans Australians most of Europe and definitely the UK will not sign a verified letter proving your income ,that’s when you have to put money then into a Thai bank and let it season for a certain amount of time to prove you have the minimum requirement, good luck, top of the day to you
Dave *******
Dave *******
Money is the key to everything in Thailand .
Peter *******
Peter *******
Dave Lever Money rules the world.Thats why it is called the route of all evil.
Dave *******
Dave *******
Peter Hayes root of all evil.
Chris ******
Chris ******
Dave Lever that might actually be the case globally 👀
On ******
On ******
If you haven't been or can't figure it out don't come. It's too hard for you. FFS!!!;
Jakob *********
Jakob *********
On Edge typical Irish...
Pabo *********
Pabo *********
Jakob Raschle I would put you on edge ya Arsehole
Peter *******
Peter *******
First why Thailand second can you afford to retire there third take a holiday there and see if you like it's people and culture Thailand is not a cheap country like it used to be it is up and coming country whose citizens now travel abroad to countries maybe you cannot afford.
Pabo *********
Pabo *********
Peter Hayes I have been to Thailand 🇹🇭 many times since 2010, I have friends in Pattaya, Buriram, and Udon Thani, I am just trying to find things out.
Peter *******
Peter *******
Pabo Caffrey Pabo you have stayed in Thailand so why not try it. Good Luck
Stuart ***********
Stuart ***********
It is the 90 day non-O based on being over 50 that you need.
David **********
David **********
Google it FFS
Simon *******
Simon *******
David McDonald You can ask google but you will not necessarily get a correct answer or the full details as Thai visas are not as straightforward as you obviously imagine.

Looking forward to you first visa question when you apply forca visa if you ever do.
Allan *******
Allan *******
David McDonald i know, too many lazy people. 23y ago there was no F.B. to ask. Chatgpt or google is brilliant to ask anything, even translation. Too many conflicting replies sometimes. I contacted a thai consulate in uk which has gone, i got a 2y o visa. Every 89th day i went back to see mother. Following year i got retirement visa. You sound like me after a divorce never ever get married again. Well i have the best wife in the world now who happens to be thai. Married over 20y now, no regrets.
David **********
David **********
Allan Rawai and yes I said I'd never marry again after my divorce nearly 30 years ago.....but like you say...."Never say Never" they are certainly not like Western women
David **********
David **********
Allan Rawai totally get you mate.....some people are just plain lazy.....and then as you know everyone's situation and circumstances are different and then here we go again.... on the merry go round FFS when they could have just privately googled it.....dumb just plain dumb.....and then as you know Thai law can change overnight
Nongnuch ********
Nongnuch ********
How do you start the road to a successful retirement in Thailand?

You first need to decide which type of “retirement visa” suits your particular situation. There are at least 4 different visa-types all referred to as “retirement visas”, that are: Non-Imm-O, Non-Imm-OA, Non-Imm-OX and the LTR Wealthy Pensioner visa.

The LTR Visa unquestionably the best - if you can qualify for it- and the Non-Imm-O Retirement Visa is the most commonly used. My following advice is based on the Non-Imm-O Visa.

You need to apply for the 90-days Non-Imm-O Retirement Visa through the E-Visa online system of the Thai embassy in your home country, before you fly to Thailand.

After you entered Thailand, you need to get registered in your accommodation per TM30 within 24 hours of arrival in the premises. If you rent or live in a friend’s accommodation, the landlord or the friend has to register you.

Immigration will only service you if you are properly registered in your accommodation by the TM30.

You need this TM30 so you can ask Immigration for a “certificate of residence”, a document you need if you want to get a Thai bank account opened.

On arrival, you will get stamped in for an admitted stay of 90 days. The visa will become invalid for further use.

Within this 90-days STAY PERMIT period, you have only one, maximum two weeks of time to arrange for the application to the “1-year Extension of Temporary Stay Permit Based on Retirement”.

You will need to get a Thai bank account opened as soon as possible after you entered. On a Non-Imm-O visa class, it is possible to get a Thai bank account opened, if you fulfill the minimal requirements., which are:

*** the “certificate of residence” from Immigration (some banks accept a longterm rental contract)

*** a Thai mobile SIM-card registered in the phone-shop to your name and passport number

*** many banks ask for a secondary identity document alongside your passport – like your national driver’s license

In order to apply for the “90-days single entry Non-Imm-O retirement visa” through the online E-visa system of the Royal Thai Embassy of your home country, you can use proof of income of a monthly minimum of equivalent of 65,000 THB, by showing your original pension statements or other income documentation.

Or you show a deposit of a minimum of 800,000 THB equivalent in your home country currency, on your home bank account, or just on any bank anywhere in the World – as long as the account is in your sole name.

However, for the application inside Thailand for the “1-year extension of the stay-permit based being over 50/on retirement” out of the 90-days Non-Imm-O Retirement Visa, you

EITHER

show a minimum of 800,000 THB in Your Thai bank account, and on the day you apply, the deposit must have seasoned in the account for a minimum of two months, and you need the “bank letter of guarantee” (in Thai: rab roong thanakan”) that confirms it.

OR

If your embassy still issues a legalized affidavit of income, you can use this method for the financial proof, as long as you can show a monthly income or pension of a minimum of 65,000 THB.

If you are a citizen of a country whose embassy in Thailand does not issue the “income affidavit” anymore (which are the embassies of the USA, UK and Australia, Norway and Canada - AFAIK), you would need a proof by a “12 months bank statement”.

This statement must show that for the past 12 months, you have been transferring from abroad to your Thai bank account, month for month, not missing one single month, a minimum of 65,000 THB. The transfers must be coded in your bankbook as foreign transfers coming in from abroad.

For above mentioned citizens, in the first year there is no other way around than depositing a minimum of 800,000 THB in your Thai bank account and use this deposit for the financial proof.

***If you don’t have these funds, there still is the option to use an agent who fronts the deposit in your bank account and pays “tea money” to the Immigration to ignore that you have no own funds. I do not recommend it, however you should know it exists and many expats do it by this way.

It is very difficult, however, to escape the “hamster wheel” of an agent, because from the moment on he removes the 800,000 THB from your account, you are technically in an “overstay” because you are violating the terms of the upkeep of the deposit.

Some Immigration offices have started to require that even when you use your embassy’s income affidavit, you at least have a Thai bank account and SOME money gets transferred into it from abroad – and they might also ask you for the SOURCE of the income.

Many people wrongly refer to the 1-year extension as a “1-year retirement visa”, this is totally wrong. Actually, the one-year extension of the stay permit is not a visa, it is what the stamp in your passport says: an extended stay permit.

NOTE: It is income method OR deposit method.

And there is a third method, called the “combination method”:

A mix of income and deposit. Many Immigrations don’t allow the combination method in the first year. And some Immigrations want the deposit part to exceed 400,000 THB. The combination method means that the sum of the deposit AND the monthly income is exceeding 800,000 THB in one year. You would have to ask your Immigration if they allow it. A US citizen cannot ever use the combination method. I have NEVER heard of a US or UK citizen being allowed a combination of 12-months of transfers from abroad plus a deposit in a Thai bank account. People who are allowed to the combination, are using income affidavits from their embassies.

But let’s continue with the “normal method” (the Non-Imm-O Retirement Visa issued in your home country, followed by the application to the 1-year Extension of Stay inside Thailand):

What else do you need to show on Immigration?

*** Immigration might ask you to present your updated bankbook, and a receipt of a small sum withdrawal at an ATM of the same day.

*** a copy (and original) of your passport detail page signed in blue ink

*** a copy (and original) of the .pdf visa document signed in blue ink

*** a copy (and original) of the printed TDAC (if applicable) signed in blue ink

*** 1900 THB in cash application fee

*** the TM7 form you can fill out at the Immigration

*** Immigration will ask you to sign several “exclusion of responsibility” forms (STM2 and STM11)

*** some Immigrations have started to ask applicants for a rental contract (Hua Hin is known to ask)

*** some also ask for a screenshot or printout of your TM30 despite they can see a properly registered TM30 on their computer

*** some Immigrations ask you for a hand drawn map of the roads from your accommodation to the Immigration office.

You should visit your Immigration office ASAP after you have entered Thailand, and ask them for the handout list of requirements. This is important, because some Immigrations use their individual, own rules.

After been issued the “1-year Extension of Stay” the minimum 800,000 THB deposit needs to remain in the account for 3 more months. After these 3 months, the deposit shall never go under 400,000 THB. Before your annual application for the next “1-year Extension of Stay”, a minimum of 800,000 THB must have seasoned in the account for two months, again

When you get issued the “1-year extension of stay”, you should always buy a re-entry permit for it while you are still in the Immigration office.

*** A re-entry permit will keep your 1-year stay permit alive in case you exit Thailand before the expiry of the 1-year stay permit.

A single re-entry permit is 1000 THB on Immigration. A multi re-entry is 3800 THB.

With a multi re-entry permit, you can exit and re-enter as many times as you wish during the whole 1-year stay permit period.

Good Luck and a great time in Thailand
Eddy *********
Eddy *********
@Nongnuch *******
how long you take to type that,spot on btw,hope the boy appreciates it
Nongnuch ********
Nongnuch ********
@Eddy ********
I am admin of visa advice group. I have composed over 400 texts all by myself, regarding Thailand, visa advice, drivers license, accomodation and travel. These documents are readily accessible for copying&paste from my Thai Visa Advice folders on my computers. Thank you for the like 😇
Richie *******
Richie *******
Nongnuch Kamdee Fantastic mate. Thank you so much for this. I'm doing it!
Kool *******
Kool *******
Nongnuch Kamdee your AI generated post complicates this easy process too much.
Nongnuch ********
Nongnuch ********
11 people have been smart enough to understand my explanation and liked it
Nongnuch ********
Nongnuch ********
Kool Breez I never use AI. I am smarter than any f...g AI
Nongnuch ********
Nongnuch ********
Kool Breez this is a simple but detailed explanation of the route to the extension of stay based on retirement. There are several ways to prove finances (agent, by deposit, by income, by 12-months transfers, by combination) so I did not hesitate to explain it in all detail. I avoided to overload this topic - maybe you have noted that there is a BIG piece of information missing! - the option of getting the 90-days Non-Imm-O visa inside Thailand by the "change of visa type". Only the addition of this would have created a largely unreadable document. For the "change" option I have a separately composed text. And a pretty actualized one, since when the banking rules tightened by February 2025, and now tourists can't open a Thai bank account, the whole setup of doing the "change" became different and I had to rewrite the advice text.
Kool *******
Kool *******
Nongnuch Kamdee it simply seemed like AI because you gave lots and lots of more information than the OP needed for an answer, thus complicating what could have been a simple answer to the question. That is why I thought it was AI.
Nongnuch ********
Nongnuch ********
Kool Breez maybe you think it is Ai, because I have been posting the almost same text for many years. It describes the road to the retirement extension in an easy manner. I have yet to come upon a better texted advice. You are welcome to write one by yourself, you smart a
Nongnuch ********
Nongnuch ********
Kool Breez AI? My advice has been composed all by myself, it is a part of over 400 such pre-written texts about almost everything Thailand- and visa-advice related. My advice is regularily - whenever I copy and paste it - met with applause and approval and dozens of likes. If you don't like it, just scroll on
Ian ********
Ian ********
Nongnuch Kamdee excellent answer 🙏 - what about my wife - I have read that she will also have to deposit 800,000 bahts as well or there is a dependent route where my deposit covers both - is this correct
Nongnuch ********
Nongnuch ********
Ian Davies Many Thai embassies have discontinued handing out "trailing spouse" or “dependent” Non-Imm-O Visa.

Some embassies allow it if the main caretaker is on a 365-days Non-Imm-O/A Longstay Visa (the one which needs a mandatory health insurance, a health check and a police record).

A Non-Imm-O/A visa can only applied for in your home country of residence.

You need to ask your relevant Thai embassy if they are willing to issue a "dependent" Non-Imm O Visa and what the requirements would be.

The easiest way would be that each of you, applies for the 90-Days Non-Imm-O Retirement Visa with proof of his/her own funds of a minimum of 800,000 THB, each on his/her own.

Then in Thailand, set up a Thai Last Will which makes sure that the surviving partner can get access to the banked funds of the deceased partner. In most cases there first needs to be a court order issued about the Last Will before the account is accesible.
Willi*****
Willi*****
Use an agent.It will save you many,many hours of hassles,stress and worry.Dont use a website,they are hopeless.I know from personal and many of my friend's own experiences.
BC ********
BC ********
Willism69_ stupid advice. For example , an agent is of no help applying for a visa from your home country.

The usefulness of an agent depends on each specific situation. Sometimes they can be usefull, sometimes not.
James *******
James *******
Willism69_ it is easy sorry to say
Willi*****
Willi*****
@James ******
I know at least 20 people who would beg to differ.Fcked around for weeks,no result.Used an agent,done in a couple of days 👍 👌
Nongnuch ********
Nongnuch ********
Willism69_ you seem to know a lot of stupid people, do you like to be among them? I guess my IQ of 135 is the reason I can avoid calling it luck. Or I would have been only lucky receiving my annual extensions since 18 years, all done by myself
Willi*****
Willi*****
Nongnuch Kamdee just lucky smartarse.
Nongnuch ********
Nongnuch ********
Willism69_ well, the level of a person's intelligence is varying greatly. So I, according to you, stand out as ONE BRIGHT lone star on the sky among 20 black holes ?
Peter *********
Peter *********
Hi people I see a lot of people retired in Thailand..how do you get your pension..I'm in Australia..thankyou for any info..
GreenPo********
GreenPo********
Peter Greener im aussie on pension once granted full portability and living in thailand I use wise to transfer my pension monthly direct to my thai bank
Jakob *********
Jakob *********
GreenPomelo3895 I get mine transferred directly from centerlink into my Thai bank, every 4 weeks, 100 baht fee
Nongnuch ********
Nongnuch ********
Peter Greener AUS bank-to-your Thai bank direct money transfer. Or use WISE, Remittly or Revolut for the transfers
Neale *******************
Neale *******************
Peter Greener contact Centrelink.
Jakob *********
Jakob *********
Neale Patrick Thompson contact the international centerlink, NOT the ordinary centerlink. They don't know nothing...been there. They are hopeless and give you wrong information...
Tevita ******
Tevita ******
Peter Greener into Aust ac, transfer to wise, direct into Thai bank ac - your choice
Robert *********
Robert *********
But health insurance now ...don't wait
Nongnuch ********
Nongnuch ********
Robert Merrell there is no mandatory health insurance required for the Non-Imm-O Retirement Visa and the subsequent one-year extension of stay
Robert *********
Robert *********
Nongnuch Kamdee yes but the younger you are the cheaper and easier to get.
Jakob *********
Jakob *********
Nongnuch Kamdee I was required to have a health insurance, by the Thai embassy in Canberra, when I applied for my Non- O visa, it depends on the immigration office
Nongnuch ********
Nongnuch ********
Jakob Raschle okay, however the Canberra EMBASSY only requires a health insurance coverage for the initial 90 days stay permit of the Non-Imm-O Retirement Visa. For the 12-months extension of the stay permit based on retirement, Thai IMMIGRATION does NOT want to see a health insurance. Please do not confuse these two different institutions with their different requirements. Your comment "it depends on the Immigration office" therefore is wrong. It depends on the embassy.
Michael *************
Michael *************
Nongnuch Kamdee I think he has a saying to get health insurance now because it is less expensive and more comprehensive. That’s what I’m assuming… do it now before you start to have health issues that will not be covered.
Nongnuch ********
Nongnuch ********
Michael P. Gillett of course, I am doing the same, always get a good coverage for the 6 months I hibernate in Thailand
Graham ******
Graham ******
****************************
Rud **********
Rud **********
Look into thai embassy website
Nongnuch ********
Nongnuch ********
@Rud *********
bad advice, the embassy has NOTHING to do with the 1-year extension of the stay permit inside Thailand. That's a matter of Immigration, a totally different authority
Dave ******
Dave ******
Nongnuch Kamdee sorry but that's an idiotic comment. The Thai Embassy website is absolutely the right place to start this guys journey. In fact it's not possible without going through them and getting your initial 90 day non immigrant visa. If you're such an expert over many years and have composed many detailed pathways you should know this.
Dave ******
Dave ******
Nongnuch Kamdee the guy asked for initial steps, where to start, not what comes after. So at least we agree that the relevant embassy website is the place to start?
Nongnuch ********
Nongnuch ********
Dave Owen but thank you for having read my detailled path from the visa to the extension of stay, including the several methods for the financial proof
Nongnuch ********
Nongnuch ********
Dave Owen the embassy has NOTHING to do with the 1-year extension of the stay permit inside Thailand. That's a matter of Immigration, a totally different authority using totally different rules. The visa must be applied for by using the online e-visa system of the worldwide Thai embassies. The requirements for each (different) visa-type are perfectly listed on the e-visa website (you need to scroll down past the FAQ section on the site). So, actually you should not search on the embassy website, as many embassies haven't listed any requirements separately, but on the e-visa website.
Stefano **********
Stefano **********
Apply
Brandon ************
Brandon ************
Be at least 50 years old and apply for it from the Thai embassy through the e-visa system.

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