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How do tax rates differ between the U.K. and Thailand for expats?

Mar 7, 2026
2 months ago
James ***************
ORIGINAL POSTER
How do personal tax rates vary between the U.K. and Thailand, would going Non Tax in the U.K. be more economical by paying tax in Thailand. My taxable income in the U.K. is around £18000 with pensions and interest payments. I will be having a consultation with a tax expert in the U.K. but he has no knowledge of the Thai tax system.
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TLDR : Answer Summary
The discussion revolves around the comparison of personal tax rates between the U.K. and Thailand, particularly for an individual with a taxable income of £18,000 derived from pensions and interest payments. Key points made include the impossibility of completely opting out of U.K. tax obligations, the implications of becoming a tax resident in Thailand after 180 days, and how the U.K. and Thailand's double taxation agreement can influence where tax is owed. Several commenters emphasize that U.K. sourced income remains taxable in the U.K., regardless of residency, but may qualify for credits against Thai taxes if already taxed. The debate also touches on the various allowances available in Thailand that can affect tax liability.
Andy ********
What you are thinking of doing I am also thinking of doing.

My situation is I have lived in Thailand for 10 years and I will die in Thailand. I may never step foot on British soil again.

My thoughts are is it morally right that I pay tax to a country that I get zero benefit from and don't pay tax to a country that I get many benefits from. So mine is a moral dilemma and doing rough calculations on my income the tax is largely the same so should I be paying it to Thailand and not the UK.

When I have an answer I will let you know.
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Roger ********
After 180 days you are automatically a 'tax resident' in Thailand. However, you only have to register for tax purposes if you remit into Thailand an 'assessable sum'. What is assessable is determined by the double tax agreement. A UK State pension is assessable.
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Matt **********
UK and Thailand have a double taxation agreement. Talking to a professional is the right move, but in laymans terms - you are only ever a tax resident of one country (unless you are American... they practice citizenship based taxation, no matter where your are resident).

I can't speak for the Thai side, but the UK side...

Once you are UK non-resident, you only pay tax on UK source income.

Any tax you do pay in the UK can be claimed as a foreign tax credit on your Thai return. That's an offset. If you aren't liable for any tax in Thailand, you don't get that back as refund.

The UK paperwork is actually pretty easy - can be done online with HMRC self-assessment.
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Ian ********
The issue would be if i to oh only receive the state pension and not an additional private pension.The personal allowance would mean that you don’t pay any tax in uk so would not get any tax credit
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Matt **********
Ian Carman True... but if you aren't paying any UK tax, then the entire original question is a non issue. Jump on line once a year, submit the self assessment, job done.
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Matt **********
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Nigel ********
James you still have to pay uk income tax at 20% if you relocate to Thailand uk tax allowance is reduced. In Thailand income tax is 5 or 7 % hope that helps
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Scott ***********
If you are more than 180 days in any country you are liable to pay tax... if you are not in a country for 180 days, you pay zero tax in that country.... you actually, legally dont have a choice in this, however any country will just take your tax if they can.
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Darren *******
Scott Hutchison well that blatantly isn't true. In most, it not all countries, sourced income is taxable in the country of source regardless of residency status.

You can also be a tax resident with fewer than 180 days in a country...I suggest you look up the UK's tax residency rules (Statutory Residence Test) as one such example of this.
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Scott ***********
Darren Grist I use Jimmy Carr as my tax advisor for UK income... Funny but true (sic).
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Scott ***********
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Barry *********
Income tax is world wide.
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Ian ********
I think that all those people that claim that you have to pay tax in Thailand should do us a massive favour and show their Thai tax returns
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John ***********
if your income is £
*****
ish in the UK and a mix of pensions and bank interest then your UK tax liability is likely to be nil or tiny. You get £
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basic allowance plus £1000 interest allowance plus up to £5000 extra interest allowance due to your low income.
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James ***************
ORIGINAL POSTER
Ian Carman There was cases of expats going to the tax office in Jomtien asking for a Taxpayer Identification Number (TIN) and they were asked why ?
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Ian ********
You have to be aware that agents come on here trying to get business
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Ian ********
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John *******
No real problem on £18k?!
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Galenus ******
Nonsense. There are very clear rules as in UK. Only nuts deny this
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Sebastian ********
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If this will open, take a look at it as it will tell you all about HMRC and how they know you have left the UK. Goes into tax residency etc.
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Dino ***********
Sebastian Barrow UK don't know who's in the country not paying taxes so don't understand how they going to know who's outside the country not paying taxes.. it's just scare mongering
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Dino ***********
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Mark *********
Your U.K. pension is U.K. sourced income so will always be subject to U.K. tax whether or not you are resident there. So if you become tax resident in Thailand you will be taxed in the U.K. on your U.K. sourced income then claim treaty benefits so that it isn’t taxed in Thailand as well. Any other income might be subject to Thai taxes.
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Steven ***********
Mark Didcott WRONG! UK state and workplace pensions are generally not taxable in the UK if you are a not UK resident. (There are some exceptions, eg., civil service & military workplace pensions are taxable in Uk)
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Mark *********
There’s always one!….. I am not wrong….
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%20may%20be%20taxed%20on,UK%20resident%20for%20tax%20purposes
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James ***************
ORIGINAL POSTER
Mark Didcott You may not have to pay twice if the country you’re resident in has a ‘double-taxation agreement’ with the UK. Your country’s tax treaty will tell you where to pay tax.
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James ***************
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Terence **********
Have to pay tax in uk if over 12,500 pounds per year , I do , then send money to my thai wife account for living no pay tax I ok to 2029 , money come from savings
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Galenus ******
Terence Ettridge sorry, you don't understand the tax system. Try google
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Galenus ******
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Andrew *********
Anything you pay tax on in the UK in non taxable in Thailand as you have already paid tax on it. If you have any income that hasn't been taxed on in the UK including savings you pay tax in Thailand if you have been in the country for more than 180 days
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Colin ***********
Andrew Pledger read the post below
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Galenus ******
Andrew Pledger you don't understand the system, sorry. Money you send from abroad to Thailand is taxable. Try google or a specialized Tax Adviser.
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Ian ********
I think the confusion is that technically the uk didn’t include pension income in its DTA with Thailand .So in theory all pension money remitted,less allowances,would be taxable in Thailand and one would have to provide tax returns to get a credit back .I just send less then
*****
0bt each year
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John **********
@Ian *******
not all pensions but most
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Ian ********
It should always balance out but the issue would be if someone only received the state pension and because of the personal allowance they would technically show no tax credit in uk
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Ian ********
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Andrew *********
Galenus Gold not if its been taxed already. Show proof of tax . Get a Thai TIN registration then proof of tax if any of the income you have sent ie from pension or savings. If you send savings or any other form of money that hasn't been taxed already then yes
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John **********
@Andrew ********
not quite how it works. If you have already paid tax in the UK on the income you bring into Thailand in any year you are a Thai tax resident you still have to declare it on a Thai tax return and work out the tax you owe. Then you claim a credit against Thai tax for any tax already paid on that income
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John **********
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James ***************
ORIGINAL POSTER
Galenus Gold Not if you have paid tax on it in the U.K.,
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James ***************
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Caroline *******
I strongly suggest that you have a word with
**********************************


Carl turner and his team do an excellent job and have informative videos and blog posts.
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Galenus ******
Caroline Jones The best I ever met. Most posts here are totally wrong without any knowledge. Carl organized a lot of Webinars already. His website explains a lot about taxable income
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Caroline *******
Yep, you have to be careful who you take your advice from.

If you want your teeth fixed you go to a dentist. Not a plumber...
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Caroline *******
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John **********
You can't just opt out of UK tax. Even if you are not resident for tax purposes you will still have to pay tax on most of your UK derived income. If you transfer income to Thailand in a year you are a Thai tax resident you will also have to complete a Thai tax return, although not necessarily pay tax particularly as there's a Dual Tax Agreement between the UK and Thailand. If you are over 65 and single you can claim at least 250k baht in allowances, then the 1st 150k is exempt. There are other allowances you may or may not be able to claim for health insurance etc. That gets you to 400k baht plus before you claim a credit for tax already paid on the money you bring in. Make sure whoever you speak to understands dual tax agreements
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Keith ********
@John *********
I wonder how people like bezos and a few others I can think of manage to avoid being taxed in the UK
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John **********
@Keith *******
Bezos is not a uk citizen
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Keith ********
@John *********
neither am I , I still pay tax on UK earnings, or I should say my company does.
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Keith ********
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James ***************
ORIGINAL POSTER
@John *********
Thanks for the info but I am already aware of that.
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Ian ********
Trouble is some people take advise as criticism rather than accepting that maybe they are wrong
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Ian ********
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Geoff ***********
if your income is UK based then you are taxed in the UK
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David ******
If your interest is earned on a UK bank, you'll be paying UK taxes.
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James ***************
ORIGINAL POSTER
David Kemp Low earners like myself a pensioner get a £5000 interest tax allowance.
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David ******
James Reid Patrick so that's what she should do then. It's a pointless question when she's earning so little.
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James ***************
ORIGINAL POSTER
David Kemp she, I am a he.
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James ***************
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Craig *******
150,000thb tax free brought in annually January to January.

Additional 150,000thb if married to Thai.

Additional 30,000thb if have a child here with you.

Wife can also bring in150,000thb so if you can live off then amount then all good and no taxes to pay but if you need more to come over here then the next 150,000thb is taxable starting at 5%. If you have no rent to pay then this is possible with no taxes to pay here
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John **********
@Craig ******
this is all over the place. You get a 60k baht personal allowance, if your wife isn't working you can claim 60k baht for her and 30k baht for a child, you can get an allowance for health insurance and various other things including 190k baht if over 65. Once all the various allowances are added up and together form a tax free amount then you move into the tax brackets and the next 150k baht is zero rated
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Craig *******
@John *********
I wasn’t taking age into account as I’m in my 40,s and been to the tax office and was told this as a basic start which should cover enough out here if not renting and married with a child like me. I pay no taxes atm globally
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Craig *******
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Bob **********
Craig White please post some links to Thailand’s revenue department stating this bet you can’t scare mongering
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Craig *******
Bob D'Andrea how is it scaremongering 😂 I’ve stated a good allowance tax free to help bring that amount in on which as a family here is enough for me. Why bring more than you need only to be taxed on
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Craig *******
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James ***************
ORIGINAL POSTER
Craig White Unfortunately my basic income pensions etc would around £
*****
/
*****
************
baht.
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Craig *******
James Reid Patrick only bring in what you need but there is a dual taxation agreement you can claim back but doing that isn’t so simple. Hmrc are hard to deal with and still like to send letters rather than answer the phone or send emails. Also aim at moving after the UK tax year april5th so you get your rise in pension increase as it will be frozen off at the tax year you leave
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Sylvia ********
James Reid Patrick over 150 000 baht brought into Thailand the tax starts at 5% then goes up in stages
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Sylvia ********
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Mark *********
Go pull up the tax tables.
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James ***************
ORIGINAL POSTER
Mark Schultz I have done, just trying to confirm if there is any difference.
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James ***************
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