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Answered4 months ago

How soon should I check in with immigration for a retirement visa after arriving on a Non-O visa?

Bruce ***********
asked Jun 25, 2026
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I arrived two weeks ago on a non-o and I believe I have the requirements for a retirement Visa. How soon should I check in with immigration? Sounds like can be a bit random on what they might ask for?

Thanks in advance
Answer summary
The author has recently arrived in Thailand on a Non-O visa and believes they meet the requirements for a retirement visa extension. They ask about when to check in with immigration, expressing concerns about the potentially random requirements they might encounter. The community responds with advice emphasizing the importance of opening a Thai bank account and transferring a minimum of 800,000 THB, which must be maintained for at least two months before applying for the extension. Users recommend visiting the local immigration office to obtain a list of requirements and suggest that applying for the extension should occur 30 to 45 days before the current stay permit expires.
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Bruce ***********
Bruce ***********
OP
Anyone here in the Ayutthaya area?
Bruce ***********
Bruce ***********
OP
You guys are awesome! I have my TM30, 800 in kbank, health insurance, and non-o visa. I am in Ayutthaya and plan on visiting immigration Monday to introduce myself and see if there is anything I am in missing. Any other advice?
John ******
John ******
Allow 6 weeks to get your first retirement visa.
Khun ********
Khun ********
What is everybody talking about the 800K? Look for a good agency. They manage the money issues for you and you pay them 15 to 25K.
Rok ********
Rok ********
Khun Charly …. And just like nominee arrangements in property deals the 800k schemes will become scrutinised one day …. No way out! PS: it is 65,000 baht for such arrangement not 15,000.
Reed *********
Reed *********
here is what chat told me

Since you’re planning to retire in Thailand and live in Chiang Mai for several years, the simplest path for you is usually:

1. Enter Thailand on a 90-day retirement visa (Non-Immigrant O) from the U.S.

2. Open a Thai bank account.

3. Transfer the required funds.

4. Apply for a one-year retirement extension while in Thailand. 

Main visa options for retirees

• Visa Exemption – U.S. citizens can currently enter Thailand without a visa for up to 60 days for tourism. This is intended for tourism, not retirement. 

• Non-Immigrant O (Retirement) – For people age 50+. Usually issued for 90 days and is the most common starting point for retirees. After arriving, you can extend it for one year inside Thailand. 

• Non-Immigrant O-A (Long Stay) – Applied for in the U.S. before departure. It grants a one-year stay but requires additional paperwork such as a police clearance and medical certificate. It also has health insurance requirements. 

• Non-Immigrant O-X – A long-term retirement visa (up to 10 years) with much higher financial requirements. Most retirees do not choose this route. 

What I would recommend for you

Because you’re moving long-term and are already planning on opening a bank account, I would recommend:

Apply in the U.S. for a Non-Immigrant O (Retirement) visa shortly before you leave. The Thai embassy now issues visas electronically through the eVisa system. Apply about 1-2 months before your planned departure. 

Can you go over first, open a bank account, and then apply for retirement status there?

Yes, many retirees do exactly that. Once in Thailand, you can open a Thai bank account, transfer money, and then apply for a one-year retirement extension at immigration. Generally, you must be at least 50 years old and meet one of these financial requirements:

• ฿800,000 in a Thai bank account, or

• monthly income of at least ฿65,000, or

• a combination of savings and income totaling ฿800,000 annually. 

One caution: rules about converting from tourist status to retirement status have changed over time and can vary by immigration office. Many experts recommend arriving with a Non-Immigrant O visa rather than relying on converting from visa-exempt tourist status after arrival. 

For your situation, I would do this:

1. Apply online in California for a Non-Immigrant O visa about 30-60 days before departure.

2. Fly to Thailand.

3. Open a bank account during your first week.

4. Transfer at least ฿800,000 (about US$24,000 at current exchange rates).

5. Apply for your one-year retirement extension before your initial 90-day stay expires.
Reed *********
Reed *********
Ron Henning thanks. here is what chat said. Your friend Ron is talking about Thailand’s Long-Term Resident (LTR) visa. He’s correct that the LTR has some significant advantages, but it’s not the best fit for everyone.

A few comments on what he wrote:

• The LTR visa is a 10-year visa aimed at wealthier retirees, investors, and certain professionals. It offers benefits such as fewer immigration reporting requirements and favorable tax treatment for qualifying foreign income. 

• For the “Wealthy Pensioner” category, applicants generally must be age 50+ and show at least US$80,000 per year in passive income, or at least US$40,000 plus a substantial investment in Thailand. 

• The LTR application process is handled through Thailand’s Board of Investment (BOI), and much of the process can be completed online before you move. 

• Ron’s comments about Chiang Mai residence certificates and driver’s licenses reflect local immigration practices that can vary by office and sometimes change over time, so it’s wise to verify the current procedure when you arrive. 

For your situation, based on what you’ve told me before:

• You’ll be retiring around the end of this year.

• Your retirement income is roughly $3,255/month Social Security + $1,700/month IRA withdrawals + rental income.

That works out to roughly $60,000-$70,000 per year, depending on withdrawals and rental income. You may or may not qualify for the LTR “Wealthy Pensioner” category depending on exactly how Thailand counts your income and assets. 

The regular Non-Immigrant O retirement visa is still the route used by most retirees because it is much simpler and requires either:

• 800,000 baht in a Thai bank account, or

• 65,000 baht/month income, or

• a combination of the two. 

If I were evaluating your options, I would at least investigate whether you qualify for the LTR because the tax advantages could be valuable if you plan to spend most of the year in Thailand. But the standard retirement visa remains a very practical and proven option. 

Kim is right about one thing though—these AI systems have gotten a lot better! 😄
Ron *********
Ron *********
Reed Haberer I recommend the LTR. Superior to .the Os. No minimum.bank balance and tax advantages. But if you are in Chiang Mai get your driver license first as Chiang Mai immigration will not issue a residence certificate unless they issue the visa and the LTR is only issued in Bangkok. You can fly in to BKK take the rail.and subway right to the building with the immigration office get the visa and fly home the same day and you don't need to hire an agency.
Kim *********
Kim *********
Reed Haberer these AI chats are getting better and better.
Phil ******
Phil ******
Should have your bank account opened Bruce and ฿800,000 in it
Wing *****
Wing *****
Look Vietnam will answer and solve all your problems. Got my new 90 day multiple entry visa. No nonsense attached. Totally renewable. I’m going to stop posting this. Too many people are discovering this. Agoda has spiked room prices. Hotel have me a month with what I just paid two weeks for on arrival. Totally serious here.
Kim *********
Kim *********
Wing Man he has the non o and he asks about the extension of stay. Your Vietnam comment is irrelevant.
Wing *****
Wing *****
Thank you captain obvious! His question had already been addressed. Your concrete reasoning missed the point in my comment! Try a little harder and read between the lines here.
*****
It’s an abstract concept. Bless your heart. Kim Nielsen
John *********
John *********
Just get the list of requirements from your local immigration office. Nothing random about it.
Ray ******
Ray ******
Get going with it if you go to immagration they will tell you exactly what you need that's ghe best way
Erhardt *********
Erhardt *********
It should be done in practice as soon as you can. Get that 800,000 baht in the bank as quickly as possible.
Jacques *******
Jacques *******
The best way is go to YOUR immigration office and ask what is necessary in your case, some offices have differents requirements....
Terence **********
Terence **********
As soon as possible
Jean-yves **********
Jean-yves **********
Vous devez ouvrir un compte bancaire et déposer
*****
0bath sur ce compte. Avant la fin des 90 jours Demander le TM30 au propriétaire de votre logement et vous pouvez aller à l'immigration pour le visa 1 an.
Steven ********
Steven ********
Different immigration policies according to the province you are in. Go check with yours. But the 800K must be in your Thai account for 60 days before applying. Hope this helps info helps you
Gamalier ********
Gamalier ********
Best and easiest way to get it done is have a agency do it for you less headaches get your bank account drivers license and visa in 2 weeks
Mats ***********
Mats ***********
As fast as possible you need a certifikatet of recidence to open a bank akaunt and to land office to get a driver license if you have that this is okey with to copy you need 1 to bank and 2 to your driver licence if you have car and mc .Dont forgot to fix a international driving permit from your country before you go.
Wannikea *********
Wannikea *********
PS, don't open an account at Bangkok Bank
Ray ******
Ray ******
Wannikea Wanblee why ????
Phil ******
Phil ******
Ray Mond they have tighned regulations and freeze your ฿800,000 for 4 months. It even disappears from your bank book. Use others
Greg ***********
Greg ***********
Wannikea Wanblee it would be a bit late to get a bank account opened after already having allowed 2 weeks to pass by without any action
Ian ***********
Ian ***********
Greg Alexander if he arrived on a non Im O which has 3 month validity and he been in Thailand only 2 weeks why would he be a bit late ? I’m sure you have some logic but I fail to see it…
Alan **********
Alan **********
Ian Armstrong Sometimes things take a bit of time. He'd open the account, then have to transfer the 800,000.

TiT
Malcolm **********
Malcolm **********
You have to open an account and deposit 800,000 Bhat within the first month as it has to mature for 2 months before you can apply for the 12 month extension of stay and the O-visa only gives you a total of 3 months (90 days) from arrival. If you have done that then as soon as it has been in the account for 2 months you can go to Immigration and make the application, not before.
Graeme *******
Graeme *******
Well I'm guessing you got a 90 day stamp if you want to stay in Thailand get yourself organized, go visit an immigration office and ask what is required.
Surasak ****************
Surasak ****************
You can go there and ask them directly what type of documents will you need to submit concerning the retirements visa in Thailand before your visa expire.
Andreas *********
Andreas *********
Surasak Siripoonyothai his retirement visa is already expired! It expired when he entered Thailand on it. . . . . He needs to apply for the 1-year extension of the 90-days stay permit, not for extending any visa
Surasak ****************
Surasak ****************
Once your visa has already expired, then you need to pay the overstay taxes if they accept to renew your retirement visa without leaving Thailand. If it isn't possible, then go to either Malaysia or Singapore at the Thailand Embassy and request or apply for Non-Immigration visa. Once you receive your visa then you can come back to Thailand. Once you arrive in Bangkok with your passport stamp from the Bangkok's airport. Next day you can go at the immigration and ask all document forms for applying your retirement visa. It will take more times and wait for responding list within one month.
Greg ***********
Greg ***********
Bruce Macdonald . . so, you arrived 2 weeks ago. I hope that you used these 2 weeks period to get your ducks in a row? Did you get a Thai bank account opened and did you transfer a minimum of 800,000 THB into it? Because if you want to apply for the 1-year Extension based on Retirement, on the day you apply, you need to prove this +800,000 Thai Baht deposit has been in your account for a minimum of 2 months. This means you must have applied a week or two BEFORE your 90-days stay permit expires
Greg ***********
Greg ***********
you do not apply for a retirement visa. You ALREADY had a 90-days Non-O Retirement Visa and you entered Thailand on it, got stamped in for a 90-days stay permit and the visa became invalid. All you apply for is a "1-year extension of (the) temporary stay permit based on retirement". You do NOT apply for any visa. You apply to get your STAY PERMIT extended
PinkRasp*********
PinkRasp*********
800,000 baht in a bank account. What is the total cost and requirements for a retirement visa
Graham ******
Graham ******
PinkRaspberry9610 visas cost 2000B but the OP is doing an extension of stay which is 1900B
Brook ********
Brook ********
Go to your local immigration office and ask for a written list of requirements for a one year, ฿1,900 extension of stay, based on retirement.

In the interim, you will need to open a Thai bank account (I recommend a separate, fixed deposit account that earns a little interest) and deposit a minimum of ฿800,000 for two full months, before you submit your extension application.

Optionally, you can hire an agent to assist you the first time and make copies of everything so you can do it yourself next time. ฿8,000 - ฿15,000

Don’t forget to consider adding a multi-entry stamp to preserve your visa if you ever leave Thailand. It’s often well worth the ฿3,900 additional fee.
Ron ********
Ron ********
Brook Powers Which bank pays anything close to a decent interest rate please? I have looked and looked. I just be looking in the wrong place.
Brook ********
Brook ********
Thai interest rates on a FIXED DEPOSIT account will vary from bank to bank at about 1.5% APR. It's not comparable to US Money Market or Treasury Bills, but it does help reduce erosion of assets due to inflation.

Shop around and ask about the best rates, typically 2-year rates. That doesn't mean you can't withdrawal for 2 years, it simply means substantial interest penalty for early withdrawal.

Keep in mind the Thai Government will also do some interest rate withholding tax as well.
Graham ******
Graham ******
Brook Powers or a single re-entry for 1000B
Greg ***********
Greg ***********
Brook Powers if you do not plan to exit Thailand more often than 3 times during the one-year extension, it is more economical to buy the single re-entry permit for 1000 Baht, instead of wasting 3800 Baht for it
Ian ********
Ian ********
If you don’t already have a bank account you will need to open one fairly soon otherwise the money won’t season in time
Greg ***********
Greg ***********
Ian Carman he didn't say he already has his ducks in a row . .keeps me wondering
Jan ******************
Jan ******************
You normally can apply 30 (45) days before your current stay expires and until the very last day. It’s recommended to visit the specific immigration and get a handout to prepare for the application.
Peter ******
Peter ******
Jan Kenneth Nesland even then they can stooge you. I got the handout them the immigration STILL wanted a bunch of forms that werent on it. When I pointed this out, she just shrugged. They can ask for whatever they want so be prepared for curve balls.
Greg ***********
Greg ***********
Peter Apps they apparently had you sign the STM11, STM10 and STM9 forms. These forms are generally not listed as requirements, because you get them handed over at the Immigration office, and will be asked to fill out and sign. That's completely normal a procedure
Peter ******
Peter ******
Greg Alexander there were those, but they also wanted the proof of citizenship for the person I rent my condo from and also documents to prove she owns it. We had to scramble to get them emailed and printed on the day. They weren't on the list.
John **********
John **********
Not a visa but an extension of stay based on retirement. Your first step has to be opening a bank account. For that you will need a residence certificate from immigration and a Thai SIM registered against your passport. While you are at immigration get their list of requirements. Your money has to be in a Thai bank account for 2 months before you can apply for the extension
Martin **************
Martin **************
Your reality.
Kim *********
Kim *********
Martin Schilperoort and your assumption.
Martin **************
Martin **************
@John *********
You always say: not a visa but an extension based on retirement. But the extension is no less and no more than the extension of the non-o visa, so still a visa. May be a matter of words, but you don't have to say this every time, it comes across as rather pretentious.
Steve *******
Steve *******
Martin Schilperoort It's NOT an extension of the Non Imm O visa.

It's an extension of your stay in Thailand. The clue's in the name 'extension of stay'
Kim *********
Kim *********
Martin Schilperoort it's NOT an extension of the visa. A visa is an entry permission and is used when enter and replaced with a permission to stay the length of which is dependent on the entry type. What is the TM7? It's an application for extension of temporary stay. Is it called "visa extension"? No.
Peter *******
Peter *******
Martin Schilperoort What you are receiving is a permit to stay in the country for 1 year after the termination date of your non O visa.
Martin **************
Martin **************
Kim Nielsen An application for extension of temporary stay, based on what? Right, on the visa. Without the visa no extension of temporary stay.

So in essence it's an extension of the visa, although it's not called that way, may be because it has it's own set of requirements.

I will substantiate my position with an example. If Immigration after 3 years finds out that you cheated on your visa with the height of your income, your visa will be revoked. Because of that the extensions of stay are no longer valid. From that moment on, you are staying in the country illegally.

May be this is the result of my legal mind (I'm a retired lawyer) ;-) But like I said from the beginning: it's all a matter of words.
John **********
John **********
@Martin *************
it's not pretentious at all, the distinction is important from a visa perspective. The requirements are not the same for a start, and it's not the visa that is being extended it's your permission to stay inside Thailand
John **********
John **********
@Martin *************
it's a matter of reality
Martin **************
Martin **************
@John *********
But hey, like I said, it's all a matter of words.
Martin **************
Martin **************
@John *********
The fact that the reason of an extension can change, doesn't mean that the visa is no longer the basis of all extensions. Without the visa there would have been no extension in the first place.

The visa itself is based on retirement, marriage or other reason (the system is flexible, therefore the reasons can change over time after the first year), the extension is in turn based on the visa. In your reasoning, the reasons for the extension are up in the air without a legal basis, which is the visa.
John **********
John **********
@Martin *************
it's not actually. It's entirely possible to change the reason for an extension of stay totally independently of the original visa used to enter Thailand other than at the 1st extension.
Martin **************
Martin **************
@John *********
The permission to stay in Thailand is based on the visa, so the extension to stay is also based on the visa. You cannot say "an extension based on retirement" because without a visa retirement is out of the question.

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