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How does the 800k deposit transition to 65k monthly income work for retirement in Thailand?
Non-O VisaRetirement VisaThailand ImmigrationBank Account OpeningVisa ExtensionMonthly Income RequirementForeign Bank Transfers
Jan 19, 2026
3 months ago
David ********
ORIGINAL POSTERSawasdee. Here's my plan for retiring this coming summer. Please comment any thoughts that may occur to you to help ensure I understand how things work
1. apply for 90 day Non-O retirement visa from USA
2. upon arrival hire an agent to open a bank account
3. deposit 800k
4. apply for one year extension 60 days after the deposit
5. make 12 continuous monthly deposits from USA bank to Thai bank to prove I have monthly income of 65k
6. after 12 months freely invest the 800k
Technically speaking, I'm not sure how switching from having 800k deposit to 65k per month works. Do I just take account statements to immigration?
1. apply for 90 day Non-O retirement visa from USA
2. upon arrival hire an agent to open a bank account
3. deposit 800k
4. apply for one year extension 60 days after the deposit
5. make 12 continuous monthly deposits from USA bank to Thai bank to prove I have monthly income of 65k
6. after 12 months freely invest the 800k
Technically speaking, I'm not sure how switching from having 800k deposit to 65k per month works. Do I just take account statements to immigration?
TLDR : Answer Summary
The user outlines a plan to retire in Thailand using the NON-O retirement visa system. Key steps include applying for a 90-day visa, depositing 800,000 THB into a Thai bank account, and later demonstrating monthly income of 65,000 THB for visa extensions. Several commenters clarify details around the timing of the deposit and transfer requirements, emphasizing the importance of aligning these actions with visa regulations for successful extension applications.
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Bill *********
You're asking good questions which means it's time to have a consultation with a Visa agent. They can discuss and provide answers to all these questions and lay out a timeline and action plan going forward. I'll always use an agent for anything related to immigration as that saves a ton of time and stress. I much prefer to outsource such tasks to the experts that do it every day rather than me spending time researching it.
Raymond *********
You got most of it right. If you use an agent to open à bank account, it will cost you about 35 000thb. Simply go to your local immigration office request à ketter from them to help you get said bank account open (cost 500thb) and if you ask jicelt (500 to 1000thb more), they will tell you to which branch and bank to go to. I did it in 2 hours including time spent at immigration.
As for the 65 000bht it's à luttle trickier. You have to show 12 monthly deposit (with mention of international transfer on your bank book) ar least before 60 days prior to the renewal of your extension. Basically, as soon as you have your bank account open, make 2 transfer , one of 800 000thb and à second one of 65 000bht (to keep it simple) your 90 days non-o gives you time to do it (90 day + 1 year minus 60 days). A pièce of advice, ask Immigration what else they need it may vary from one agent to the next. In my case, I will have to get à letter from my source of revenu confirming where the money comes from (retirement, not saving).
I hope this helps
As for the 65 000bht it's à luttle trickier. You have to show 12 monthly deposit (with mention of international transfer on your bank book) ar least before 60 days prior to the renewal of your extension. Basically, as soon as you have your bank account open, make 2 transfer , one of 800 000thb and à second one of 65 000bht (to keep it simple) your 90 days non-o gives you time to do it (90 day + 1 year minus 60 days). A pièce of advice, ask Immigration what else they need it may vary from one agent to the next. In my case, I will have to get à letter from my source of revenu confirming where the money comes from (retirement, not saving).
I hope this helps
Steve *******
What about the timing between buying a flight and applying and acquiring the non-O 90 day visa? Do you get the visa first and pay through the nose for the flight? Or buy the flight and hope the visa comes through before you fly?
Jeremy ********
The ฿65k a month is really a year 3 standard
The reason why is this
Year one you get the bank acct and deposit the money but you already have the visa so you’re already 2-3 months behind the 12 month requirement
Year 2 renewal you can’t show the ฿65k a month for 12 consecutive months because it doesn’t line up with the visa
Year 3 renewal you can show the 12 consecutive months of ฿65k a month
It’s the rulebook
The reason why is this
Year one you get the bank acct and deposit the money but you already have the visa so you’re already 2-3 months behind the 12 month requirement
Year 2 renewal you can’t show the ฿65k a month for 12 consecutive months because it doesn’t line up with the visa
Year 3 renewal you can show the 12 consecutive months of ฿65k a month
It’s the rulebook
David ********
ORIGINAL POSTERJeremy Miller I haven't seen anything on the Thai gov website that indicates the two months of deposits that will go into the Thai bank, before the date of the 1 year extension application, will not be counted even if they are consecutive with the following months. The only stipulation seems to be 12 consecutive months prior to application, which will actually be 14-15 months of consecutive deposits at the time of the 2nd one year extension
Jeremy ********
David Romero it’s basic math
12-3=9 months
Maybe my terminology is confusing you
Initial visa (
1st extension (
2nd exemption (
I hope you understand now
If not I hope your argument is better than countless others that have argued in vain
Good luck
12-3=9 months
Maybe my terminology is confusing you
Initial visa (
*********
)….฿800k deposit but it’s 2-3 months later on the bank acct and your ฿65k monthly deposit…remember you can’t get a bank acct until you have a visa 1st extension (
*********
)…the 12 consecutive months don’t line up with visa 12-3=9 months of ฿65k monthly deposits 2nd exemption (
*********
)…. Both extension and 12 consecutive month line up for ฿65k monthly deposits I hope you understand now
If not I hope your argument is better than countless others that have argued in vain
Good luck
Yo***
Jeremy Miller In my calculation, example, If you have a non o visa at the date of 20. January 2026. And you enter to Thailand at 21.Jaunary. 2025. from this date, 21.Jaunary, 90 days is counting. So you open a bank account in a thai bank and put the money of 800,000 Thb into that account. You have 800,000 THB on the date of 30.Jaunary in a thai bank. So you wait for 60 days or two month. after about 60 days, on 1. April, you applied to extend one year and You get it after weeks or something. Let me say, you get extension on 15. April. This means, your extension will expire on 14th. April in 2027. So you put
*****
THB into your bank from April.2026. and every month, then, from April 2026 to April 2027. You have 12 months regular transfer of *****
THB. every month. so, you can use monthly method for that extension in April 2027.Jeremy ********
Young good Luck
I hope you plead your case better than anyone else ever has before you
I hope you plead your case better than anyone else ever has before you
John **********
@Jeremy *******
I don't understand where you get the 12-3=9 from. You come in on a 90 day Non-O visa and have to open and seed your bank account in the first few weeks as you need 2 months seasoning to apply for the first 12 months extension, if you count that as your first transfer and continue sending a minimum of 65k baht each following month you will have 2+12=14 months by the time your subsequent extension comes aroundJeremy ********
@John *********
I have broken it down simply for you enough so that a 3 year old can understand But I guess you don’t
It’s impossible to get a full 12 months of ฿65k a month in your initial year (
*********
) as it doesn’t line up with your visa and bank account Year 2
*********
you will be short 1-3 months or more on consecutive months for the ฿65k deposits Year 3
*********
you will be 100% great on the ฿65k a month deposits It’s simple
But hey you do you
John **********
@Jeremy *******
but you don't get an initial year, you get an initial 3 months followed by a 12 months extensionJeremy ********
@John *********
year 1 initial year The verbiage is interchangeable
Just like floor G and floor 1…it all depends where you are in the world and which verbiage they use for it
Good luck
Reply to
Jeremy ********
Reply
John **********
@Jeremy *******
it depends on when you start the monthly transfers from overseas. You enter on a 90 day Non-O visa and you need to transfer in a minimum of 800k baht for your 12 month extension of stay. If you then transfer in a minimum of 65k baht every month from that point going forward you should be good to use that method for your second annual extensionJeremy ********
@John *********
yes you used that big very vague word SHOULD
which means not fully guaranteed
Good luck
David ********
ORIGINAL POSTER@John *********
Thank you!Reply to
David ********
Reply
Alan **********
Jeremy MillerGot a link to the rulebook? You can easily show the same income stream previous to the visa. What’s wrong with that? Of course, that would be in your own countries, bank, not a (THAI) bank. So if the ฿65,000 deposit every month must be in a (THAI) bank, that’s a different story.
Jeremy ********
Alan Rothwell your Visa is a locked date…year to year
But you can always plead your case to The immigration officer all you want
Good luck
But you can always plead your case to The immigration officer all you want
Good luck
Jeremy ********
Alan Rothwell it’s called gained knowledge by hearing complaints from people denied
Alan **********
Jeremy Miller So then, NOT the rule book. Thanks
Jeremy ********
Alan Rothwell good luck
I hope you have better odds the countless people before you that went down the same path
I hope you have better odds the countless people before you that went down the same path
Reply to
Jeremy ********
Reply
Stuart ***********
You shouldn't need an agent to open a bank account.
Switching from 800k to 65k method is as simple as providing the statements etc from your bank. I switched last year with no problems and then promptly withdrew the 800k. Good luck.
Switching from 800k to 65k method is as simple as providing the statements etc from your bank. I switched last year with no problems and then promptly withdrew the 800k. Good luck.
David ********
ORIGINAL POSTERStuart Chiverton Thank you! Did the switch occur at the time of the annual visa renewal?
Tony **********
Your logic doesn't make sense. Open bank account in month 0 and deposit 800k. Start making 65k deposits in month 0. In month 3 you will apply for 1st extension using 800k model. In month 15 you will apply for 2nd 1yr extension having had 15 months of 65k deposits.
David ********
ORIGINAL POSTERTony Birnseth You didn't say why it doesn't make sense. I will be making monthly deposits into the Thai bank for living expenses, but I will make sure the amount is 65k. This so when the first one year extension expires I can switch to the 65k model...15 months later, as you said
Stuart ***********
David Romero yes David.
David ********
ORIGINAL POSTERStuart Chiverton Thank you!
Reply to
David ********
Reply
Tony **********
Stuart Chiverton some immigration offices require credit advice receipts for each foreign deposit. It's no big deal, just more paper to provide and possibly some additional bank fees
Reply to
Tony **********
Reply
John **********
On a Non-O visa you should be able to open a bank account yourself with a residence certificate from immigration and a Thai SIM registered against your passport.
It's not 60 days seasoning for the 800k baht it's 2 full calendar months date to date
It's not 60 days seasoning for the 800k baht it's 2 full calendar months date to date
David ********
ORIGINAL POSTER@John *********
Thanks! If I deposit 800k on June 15, that means I have to wait until Sept. 1 to apply for the extension? Does the 90 day count start on arrival?David ********
ORIGINAL POSTERThanks! Let me be more clear... I have 90 days before the visa expires. Does the count start the day I land in BKK?. This is important if I have to find a semi-permanent address, open a bank account and season 800k before the 90 day visa expires
John **********
@David *******
you misunderstand. When the visa is issued it is valid for 90 days which means you have 90 days to enter Thailand. When you enter Thailand you will be stamped in for 90 days with the day you enter being day 1.David ********
ORIGINAL POSTER@John *********
Thank you!Reply to
David ********
Reply
John **********
@David *******
No, if you deposit on the 15th of June it means you have to wait until the 15th of August to apply. You don't need to make a 90 day report on a 90 day visa, when you apply for the 12 month extension the immigration office should put a slip in your passport with the date you need to report
Reply to
John **********
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