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Is a combined income of 128,000 Baht per month sufficient for a retirement visa in Thailand, or does each spouse need 65,000 Baht?

Mar 28, 2026
a month ago
Wade ********
ORIGINAL POSTER
If you're married and you both have social security and that social security adds up to 128.000 a month in Bhat is that enough for a retirement visa, or do you each have to have 65.000 in Bhat?
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TLDR : Answer Summary
To qualify for a retirement visa in Thailand, each person typically must demonstrate individual financial independence. In this case, while the combined total of 128,000 THB may seem sufficient, each spouse would generally need to show an income of at least 65,000 THB per month, or alternatively, they could opt to have 800,000 THB in separate Thai bank accounts for the first year. After the first year, they may have the option to use monthly deposits if they meet the required conditions.
NON-O RETIREMENT VISA RESOURCES / SERVICES
  • Go to the Retirement Visa Section for information on requirements, including age restrictions, financial requirements, and necessary documentation.
  • For immediate assistance, contact Thai Visa Centre directly via LINE at @ThaiVisaCentre or Email them.
  • Explore recent discussions by using the Non-O Retirement Visa tag in the search box at the top of the page.
  • Join the Thai Visa Advice Facebook Group to ask your questions, and get advice from others.
Deborah *******
Thaievsia.go.th.
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Mike ******
So you need $4500 per month passive income or $60K in the bank to get retirement visa for a couple? That doesn’t make sense
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Humphrey **************
If you are married to a Thai marriage visa
*****
a month
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Jim *******
My non-o 90 days visa had no mention of my Thai wife. Neither did the 12 months extension of stay. We maried in Thai but nobody has asked for that.
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Peter **********
What is …”128.000”… in Baht a month?
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Stephen *********
Peter H Bates rough guide £3,000
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Lawrence *******
Peter H Bates 4000 USD if the exchange rate is 32 THB per 1 USD.
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Lawrence *******
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David ******
No the socal secruity from work in thailand is for your hospital and doctors treatment . Thats only if you work there .
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Jason *************
What are the rules in your country regards social secutity when living abroad ?
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Trevor *********
Jason Bracegirdle good point because if it's like zero. Then you are about to get hammered in thailand at probable 10 % or more . ( if thai tax ever catch on that is ) ie linke tax number to bank accounts
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Trevor *********
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John *********
To retire comfortably in Thailand, it is recommended to have all the required financial resources to acquire the visa. This is your starting point.
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Michael ********
After one year of monthly transfers (12 separate every month) yes but you need a translated and accredited marriage certified from your Thai Embassy, before you leave.
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John **********
You need to look at the different visa types. If one of you were to get a Non-OA 12 month retirement visa in your home country then the other could potentially get a 90 day Non-O dependant visa which they would extend inside Thailand. You would then only need to show the one lot of 65k baht equivalent in your home country bank, no income requirement for the dependant. If you go the 90 day Non-O route then you will likely both have to show the 65k baht equivalent in your home country and once you arrive in Thailand you will each have to put 800k baht minimum into a Thai bank account in order to get a 12 month extension of stay
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PeacefulTa***********
One of you can have the visa if the pension is 65k thb or more per month. The other can be a dependent. You have to deposit it into a Thai bank account for 12 consecutive months before you can use your pension to qualify. Best to start with 800k thb in the bank and the other being a dependent.
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Tim **********
PeacefulTangerine7544 dependant?

Social Security means they are over 50

They Each must have 65,000 a month or 800k baht in the bank

There is no dependent designation?
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PeacefulTa***********
Tim Hallmark What do you mean social security means they're over 50? You cannot receive SS until you're 62.
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Peter **********
PeacefulTangerine7544 RUBBISH
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PeacefulTa***********
Peter H Bates I'm sure he's not talking about survivors or disability. SS has nothing to do with the visa, at age 50, most people aren't receiving ss benefits. He said ss means you're over 50, which isn't true.
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PeacefulTa***********
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PeacefulTa***********
Tim Hallmark
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PeacefulTa***********
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Braulio *********
sounds like they are financially challenged
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Doug *******
Braulio Escobar I was certain I’d already blocked you. 🤣
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Wade ********
ORIGINAL POSTER
Braulio Escobar not at all. Just wanted to find out.If the visa is connected to your marriage or just to individual people, sounds like they deal with you individually.
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Wade ********
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Kool *******
To begin with both of you will need bt800,000 each in separate Thai bank accounts to get your first one year extensions. There is no exception to this for US citizens. By each of you making 12 consecutive months deposits of at least bt65,000 both of you can switch to the monthly deposit method after the first year. This is your only option as Americans. Not every immigration office allows mixing monthly deposits with bank balances to meet the requirement after the first year, so do not count on doing that after the first year.
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Peter **********
Kool Breez It is Karma…..the actions of the Tangerine Turnip are not approved.
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Peter **********
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Carl *********
Do ur home work u can mix the two together with saveings
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CoolBun*******
Carl Duthoit no you can’t, not for the 1st year extension of stay and then only if the local IO say yes, some offices won’t accept it.
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CoolBun*******
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Willem ****************
Get yourself a visa agent and they will sort you out.
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Jan *****************
Willem Van Der Beek Why do so many people like to spend money on visa agents? It’s so easy…
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Tim ********
Because they cut thru the red tape and it’s worth it
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Doug *******
Jan Willem Kuipers Why do so many people put useless ignorant comments on posts in an ADVICE group?
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Doug *******
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Donald **********
Each in separate Thai accounts
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Donald **********
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