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Answered3 months ago

How do you renew a retirement visa in Thailand, especially for those who are disabled?

Ronnie *******
asked Jul 18, 2026
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Has anyone investigated how you renew your retirement visa or check in if you are mentally or physically disabled? I live in Bangkok. I understand a will or poa or living will etc. helps. If you know anyone who has experienced this, that would be valuable. Please only serious responses.
Answer summary
The discussion revolves around renewing retirement visas in Thailand, specifically focusing on the financial requirements and processes for expats living in Bangkok. Key points include the necessity of maintaining a minimum of 800,000 THB in a Thai bank or providing proof of 65,000 THB monthly transfers from abroad. Participants share personal experiences regarding the strict application of these requirements at different immigration offices, the challenges faced by US citizens regarding income affidavits, and how to navigate the rules if one is mentally or physically disabled. The conversation also touches on applying for various types of retirement visas, including the Non-Imm-O and Non-Imm-OA visas.
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Peter *********
Peter *********
Use an agent i have for years. People who can't afford a agent, should reconsider their plans!
Neil *******
Neil *******
Don't use the tb 800,000 method as at some un-planned point, you or your heirs will want to get it back.

Then best of luck.

I know this is a cynical but very realistic!
Ann **********
Ann **********
My husband died last November, and his will named me as sole beneficiary. By March the 800k baht was in my bank account.
Nongnuch ********
Nongnuch ********
Neil Wragg you can set up a Thai Last Will for the bank deposit. No need to get cynical or desperate
Brent *********
Brent *********
Go for a short holiday , have a look around . Visit an agent , ask for advice .
Rok ********
Rok ********
I just returned from Samut Prakan immigration office: i tried to

Move onto 65,000 monthly transfers in my second year extension but was told they do not allow this. Only 800,000 deposit. Luckily i maintained both over last 12 months: 800k deposit and 65,000 monthly transfers. In a nutshell - you need to park 800,000 baht in a thai bank account, forget about it and you will be able to renew non-o for life. Pretty straightforward renewal really once a year.
Fe *********
Fe *********
Yes true but so very strictly in forigner
Nongnuch ********
Nongnuch ********
Greg Alexander forgot to add: you do not have to move back to the USA to be able to apply for the Retirement Visa. . . . . If you are still residing in the Philippines, you can apply for the 90-days Non-Imm-O Retirement Visa through the online E-Visa system of the Royal Thai Embassy Manila. You would have to prove finances according to the instructions of this embassy. Check out their website, or ask them by email
Mary ********
Mary ********
You will have to do the 800K the first year - after that you might be able to transfer over to the 65K per month dependent on the IO, if you are religious about transferring it (not a day late on any transfer I was told) and you have a full year showing in your Thai bank that you transferred 65 K each month on a set date.

We've stuck with the 800K for 4 years now and have only dipped under once when I went for hospital treatment which was within the time frame we were able to use up to 400K and immediately replaced the funds and we don't use an agent - just got our 4th year extension with absolutely no dramas.
Stuart ***********
Stuart ***********
Very true, always check. It is possible to be one day late, if for example instead of paying in on 31st you pay 1 day later on the 1st, as that would mean you had no payment in the month, if that makes sense. I asked at my immigration office to check as you suggested.
Stuart ***********
Stuart ***********
Mary Gerber it's a 65,000 baht transfer each month, it can be any day in the month and it doesn't matter if the days change.
Mary ********
Mary ********
Stuart Chiverton I have heard of people being denied for being a day late in making the transfer - whether or not that is true remains to be seen but the bottom line is that different IOs have different rules so it is always best to check there before depending in it being correct.
John **********
John **********
@Mary *******
if being a day late causes the transfer to fall in a different month then you have a problem. It's always best to go for the middle of the month
Greg ***********
Greg ***********
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.

For the easiest approach, you should 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 a maximum two weeks of time to arrange for the opening of a bank account and a transfer of the required amount of money – a minimum of 800,000 THB.

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 if you fulfill the minimal requirements:

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

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

*** many banks ask for a secondary idendity document alongside your passport– like your 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, you can use proof of income of a monthly minimum of 65,000 THB, by showing your original pension statements or other income documentation.

Or you can show a deposit of a minimum of 800,000 THB equivalent in your home country currency, in your bank account, or just in any bank anywhere in the World – as long as the account is in your sole name, and you can upload into the e-visa application three months of account statements.

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

EITHER

show a minimum of 800,000 THB in your Thai bank account. On the day you apply, the deposit must have seasoned in the account for a minimum of 2 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 it for the financial proof, as long as you can show a monthly income/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, Australia, Norway, Denmark and Canada), 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 a 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 the deposit of 800,000 THB in their Thai bank account 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 this route, however you should know this option exists and many expats use agents so they don’t have to park any money in a Thai bank.

While they will claim this method is “legal”, I would rather say that the traditional Thai way of making obstacles go away by paying “tea money” to government officials, is part of the culture here.

It is, however, very difficult to escape the “hamster wheel” of an agent regarding future applications, 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 require that even when you use your embassy’s income affidavit, you have a Thai bank account and money gets regularly transferred into it from abroad. They might also ask for the SOURCE of the income.

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

NOTE: It is income OR deposit.

There is a third method, called “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.

I have NEVER heard of a US or UK citizen being allowed a combination method of 12-months of transfers from abroad plus a deposit in a Thai bank account. The only people who are allowed the combination method, are those with income affidavits from their embassies.

Let’s continue with the “normal method”.

What else do you need to show on Immigration?

They might ask you to show an updated bankbook, and a receipt of a small withdrawal at the ATM on 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, regardless the fact that they can see a properly registered TM30 on their computer

*** some Immigrations ask you for a hand drawn map of the road(s) 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 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 3 months, the deposit shall never go under 400,000 THB. Before your next application for the “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 extended 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, 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 with everything!
Rick ****
Rick ****
Greg Alexander It seems like most people commonly due non O. What are the disadvantages of non OA? I am trying to avoid locking up 800k baht in Thailand.
Greg ***********
Greg ***********
Rick Ny The disadvantage of the Non-Imm-O/A Longstay Visa begins the very moment when you have exhausted the stay permit that you can get out of the visa, which is almost 2 years.

The very moment you need to apply for the 1-year Extension of Stay, you need a Thai tgia-listed private health insurance – in some instances an almost worthless insurance in case you had pre-existing conditions.

And you will need:

EITHER a minimum of 800,000 THB in your Thai bank account,

OR prove with a 12-months Thai bank statement 12 consecutive monthly transfers from abroad over a minimum of 65,000 THB. Some Immigrations do not accept the 12-months-of-transfers method, but only either the deposit method, or the embassy legalized income affidavit.

What you need to know is:

after 2 years which you started on the Non-O/A Visa, you have to fulfill the same requirements you would have to fulfill if you started on a Non-Imm-O Visa.

There is no difference, except there is the disadvantage that when you start on the Non-O/A visa, you are caught up with a mandatory Thai private health insurance for the rest of your stay in Thailand.

If you started on the Non-O Visa, you keep your freedom of choice regarding the health insurance, you could get insured internationally, or you could also be self-insured.

People who want to leave their funds in their home bank account would need to fly back to their home country before the second-year stay permit expires, and re-start from scratch - apply for the next 1-year Non-Imm-O/A Longstay Visa, with all its complicated requirements (police record, thorough medical check, foreign health insurance with an appropriate required coverage).
Daryl *****
Daryl *****
1. Retirement (Age 50+)

Requirements typically include:

* Age 50 or older

* Passport valid for at least 6 months

* Completed visa application

* Passport photo

* Proof of finances (requirements vary depending on where you apply and whether you’re applying for a visa or an extension)

* Commonly:

* 800,000 THB in a Thai bank account, or

* 65,000 THB monthly income, or

* A combination totaling 800,000 THB annually for extensions inside Thailand.
Daryl *****
Daryl *****
The problem is that some of you seem to get your information from Facebook posts and then repeat it as if it’s fact. The information I posted came directly from the official Thai visa website, not social media. Before telling someone they’re wrong, maybe take a few minutes to read the official source.
Greg ***********
Greg ***********
@Daryl ****
it is you who is wrong
Greg ***********
Greg ***********
@Daryl ****
you read the info wrongly. An important piece of information is missing: The only people who are allowed the combination method, are those with income affidavits from their embassies. So, since the U.S. Embassy does not issue any income affidavits, a U.S. citizen cannot use the combinsation method. Trust me, I am the expert here, not you. If you can show me ONLY ONE Immigration office of 85 Immigration offices inside Thailand that allows a combination method of 12-months of transfers from abroad plus a deposit in a Thai bank account for the application to the 1-year extension of the stay permit, You will win the Golden Flower Pot of 2026
Keith ************
Keith ************
@Daryl ****
where that doesn't work for someone from the US, is the 65k bit. They can't (without an agent) use the income method for the first extension.

Since the US embassy doesn't provide income affidavits, you need to have 12 months of 65k or more international transfers coming in before you switch to the income method. For that first extension, 800k is THE option.

So, while it's an option for some nationalities (which is why it's on the website), it's not an option for a US citizen.
Greg ***********
Greg ***********
@Daryl ****
I have NEVER heard of a US or UK citizen being allowed a combination method of 12-months of transfers from abroad plus a deposit in a Thai bank account. The only people who are allowed the combination method, are those with income affidavits from their embassies.
Wayne ********
Wayne ********
@Daryl ****
way too vague you’re assuming the poster knows more than he actually does. Read John Stanners reply, which is very accurate not the shorthand version that you have posted.
Graham ******
Graham ******
You can get your Non-O before arriving based on your 65k income but your first extension will have to be using the 800k in a Thai bank account seasoned for 2 months
John **********
John **********
Starting out with a 90 day Non-O visa followed by 12 month extension of stay is the most popular retirement option. You should get the 90 day Non-O visa before you travel to Thailand as without it you won't be able to open a bank account. When you get to Thailand you need to open that bank account and put 800k baht in it, which has to season for 2 months, before you can apply for a 12 month extension of stay. You can't use monthly income for that first extension as your embassy in Thailand no longer provides income certificates, but during that 1st extension you can transfer 65k baht each month for 12 months from overseas and use that method for 2nd and subsequent extensions
Rick ****
Rick ****
@John *********
It I already have a Thai bank account, can’t I start the 65k transfers a couple months before I enter and by the time the first extension comes around, I have 12 consecutive months?
John **********
John **********
@Rick ***
you need to be on the right kind of visa for the transfers to count.
John **********
John **********
@Rick ***
while the Non-OA is valid yes, if you leave and return just before the validity expires to gain a 2nd year you'll then need a re-entry permit, either single or multiple
Rick ****
Rick ****
@John *********
Thanks. I am trying to avoid depositing 800k in low interest Thai bank account. Am I allowed to leave and enter multiple times?
John **********
John **********
@Rick ***
If your coming on a 12 month Non-OA visa you've plenty of time to build up your transfers for an extension of stay. You can get almost 2 year out of that visa by doing a bounce out of Thailand and back just before the validity expires and you'll get stamped in for another 12 months as long as you have a new 12 month insurance policy
Rick ****
Rick ****
@John *********
I will be applying for a non OA from my home country.
Paddy *****
Paddy *****
@John *********
I would suggest you start your transfer
*****
a month before you first 12 month extension.

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