Answered6 years ago
Is it advisable to use a separate bank account for visa-related funds in Thailand?
A question regarding visa renewal and the B800k/B400k malarkey.
Last time I did this I did the B65k/month route not the seasoned B800k. It was a painful experience so next time I will do the B800k then B400k for the year to make it simple.
My question how many use a separate bank account just to hold their visa money? Does it cause issues with the I/O keeping it away from your spending account and not seeing any transactions?
Last time I did this I did the B65k/month route not the seasoned B800k. It was a painful experience so next time I will do the B800k then B400k for the year to make it simple.
My question how many use a separate bank account just to hold their visa money? Does it cause issues with the I/O keeping it away from your spending account and not seeing any transactions?
Answer summary
The discussion revolves around the best practices for holding funds required for visa extensions in Thailand, specifically the B800k and B400k financial requirements. Many expats share their experiences of using separate bank accounts to maintain the necessary funds for their visas and advise that this method simplifies compliance with Thai immigration regulations. Participants also discuss the importance of documenting sources of income, especially for those transferring money internationally, noting that regular, verifiable income is often required for visa renewals.
36 repliesnewest first
Click comment and we will ask for your email, then OTP, then name.
Adam ******
Its possible to get visa if i have monthly income around
*****
thb ??Steve **********
@Adam *****
as long as its transfered from outside the country with an FFT(foreign fund transfer) code .
Robert ********
OP@Steve *********
that’s what I thought too. But my IO would have none of it. It must be a regular accountable income and nothing else. Steve **********
@Robert *******
My favorite province. So clean and few farange. Great restraunts on river.Mukdahan and Nan, cleanedt provinces of the 76.
Glad all worked out. I doubt ( know) there is no law requiring sources of funds to your home bank prior to wiring it here.
Robert ********
OP@Steve *********
I am in Mukdahan. It was a surprise to me too. I said “nowhere does it say I need to prove where the money came from”. In the end they let me renew but I won’t do it again. Money in a foreign bank is no good for these people. B800k magically appearing in a Thai bank is Ok. Don’t ask me why. Steve **********
@Robert *******
What Province you filing in. In 17 years noone ever asked how or where my money came from in US.Nor have I heard of it. You may just need to go to a different i/o official.
I never use the 800k way. just income.
Robert ********
OP@Steve *********
yes I know that. I use Bangkok bank and TransferWise and all of my transfers are marked FFT. No problem. But tell me how the IO knows you are not money laundering? That was their issue. Don’t ask me why B800k is OK either as I don’t know. All my experience says you need proof of how it arrived in your U.K. bank not the Thai bank.Steve **********
@Robert *******
when any one wires from abroad its coded FFT to your THAI BANK. It's your bank that does the coding.Proof of origin is simply "foreign"
Robert ********
OP@Steve *********
no. That was my mistake. International transfers were not enough without proof of origin. Not a bank. Steve **********
@Robert *******
think we're saying the same thing. A monthly income from abroad ( 65k or more ) deposited directly to your thai bank accountRobert ********
OP@Adam *****
yes B65K a month but they may ask you to prove it’s source from is from a pension or a salary. Adam ******
@Robert *******
what if this is from cryptocurencies??Robert ********
OP@Adam *****
it’s not where your money came from it is how it came to be there in the first place on a monthly basis. Adam ******
@Robert *******
what if i will provide source from where i have my money ??Robert ********
OP@Adam *****
my experience was they wanted a statement of origin monthly. You could have £1m in a U.K. bank or crypto and they don’t care. The claim it maybe laundering 😂 so want a pension statement or wage slips. That’s who I will do the *******
this time as my money is in U.K. banks transferred with TransferWise. Adam ******
Even with confirmation on statements
Robert ********
OP@Adam *****
I would expect that to be a no. 
Rob **********
No as long as your bank account has the required funds for the correct period, not a problem
Sammy *******
I have used the monthly deposits for many annual extensions and never had a problem-- yes, there are documents to gather, but I'd rather have my 800,000 available for use, or invested at more than 1%.
Simon *********
@Sammy ******
do you need a tgai bank account in your name....could I show putting say *****
baht into gf bank account each month Sammy *******
@Simon ********
the money needs to be documented as international transfers into a Thai bank. this last extension, in cm, they also wanted documentation that the funds transferred came from a pension source.Simon *********
@Sammy ******
how do you show / prove your *****
incomeSammy *******
@Simon ********
at least 65,000 a month.John *******
That's for a type O retirement extension ....if your not in thailand forget about putting 65k monthly in the bank , cos that visa has been cancelled ....hope I get a rebate !!!!!
Sammy *******
@John ******
if ur not in Thailand u would apply for an OA, if u had an O, and left thailand, deapite the red flag warnings, and had transferred money monthly to an acct of yours here, that money is still yours in ur acct.John *******
@Sammy ******
there were no red flag warnings , we didnt come home to oz for any reason other than to see our new arrival of a grandchild ...it was planned months prior to covid ...and yes , i know the money is quite safe in my thai bank ...cheers John *******
@Sammy ******
who complaining ...I have a CURRENT type "O" visa retirement extension , that apparently according to some facebook experts like your self has been cancelled....I'm not concerned , I'm married to a thai who's in oz with me , I can easily obtain another visa , and return when I want , without spending days searching Facebook or reading the fuckn Bangkok post for red flags that have no effect on my decision making....ok , so just drop it , your comments have no bearing ...Sammy *******
@John ******
not upset but not complain now that u cant get back-- u gambled and lost, and chose to ignore the obvious red flags.John *******
@Sammy ******
sorry , did I upset you ...our plans were to come home in March for the birth of a grandchild in june ...and stay until November...I didnt really care about what either Vietnam or Thailand were doing RED FLAG WISE ...really !!Sammy *******
@John ******
you didnt see Vietnam close its borders? you weren't following the govt speculation in the bkk post, on Facebook?no red flags??! lots of them -- if being in Thailand was important, then u should have hustled right back-- I know several friends who did that.
Steve *******
@John ******
It's not a visa it's an extention of stay and not cancelled if you bought a re-entry permit.John *******
@Steve ******
well apparently from what people on this site are saying it is cancelled ...and I have exactly that , a 12 month extension of stay with a re-entry permit issued at Huahin on the 10th march 2020 , so expiring in 2021
Adrien **********
Can you send me info about this procedure? I never heard about that.
Steve **********
I have a separate account. Occasionally (every 2 months or so) I’ll drop a few baht in there to update the book and keep it going. Other than that I don’t touch it.
Stuart *********
Many people do exactly that, in that they have a completely separate bank account for the banked money requirement. It alleviates any issue of keeping the right amounts in for the required time and potentially having issues if they mistimed the required amount. Put it in. Forget about it and luxuriate in the 1% interest you’re earning each year.
Brett *******
I have a separate account with minimal transactions for the 800 k.
Activity
12 joined12
people
Related
25Can I withdraw money from my bank account while holding a Thai retirement visa and still comply with renewal requirements?
1.8k563mo
How do you renew a retirement visa in Thailand, especially for those who are disabled?
3.7k34333mo
What are the steps to obtain a DTV stamp at the Malaysian land border when re-entering for the first time?
3.2k1994mo
How do American expats prove income for a retirement visa in Thailand?
5.8k52565mo
Will I have problems renewing my visa without the digital arrival card number?
2.3k16225mo
Are Canadian CAD drafts accepted by Thai banks for visa applications?
3.5k33268mo
What steps should I take with my Non-Immigrant OA visa in Thailand before it expires?
3.5k28399mo
What are the requirements for a retirement visa in Thailand if I don't have the full 800,000 baht in liquid assets?
6083310mo
What agents can assist me with my retirement visa and relocation to Thailand in 2026?
2.7k2581y
What are the requirements for applying for a Non-O visa in Thailand based on retirement, particularly regarding bank funds?
2.5k20182y
Can I switch to a DTV visa from a retirement visa while in Thailand, and what are the requirements?
1.5k7102y
Is it easier to apply for a retirement visa in your home country or after arriving in Thailand?
1.5k10122y
What are the requirements for the 800k THB deposit when applying for a non-O retirement visa extension in Thailand?
1.7k11122y
How long before and after a retirement visa renewal must the funds remain at 800,000 baht in Thailand?
3.3k12142y
Can I really obtain a Non-O retirement visa in Thailand without opening a local bank account?
11.8k1091012y
Can I extend my 90-day Non-O visa to a 1-year Non-OA in Chiang Mai?
735433y
Are there agents in Thailand who can assist expats at immigration offices?
5.3k52273y
Can I use my pension income to qualify for a retirement visa in Thailand without having to deposit funds into a Thai bank account?
8.8k87524y
Do my wife and I need separate deposit accounts for a retirement visa in Thailand?
581234y
Are the main Thai banks similar in handling documentation for international income for retirement or marriage visas?
1.6k9154y
Does Thai immigration base retirement visa approval on the previous 12 months' financial history or future funds?
1.1k5155y
What should I do if my retirement visa renewal was denied due to lack of insurance in Thailand?
6.3k45845y
Can I withdraw from my 800,000 THB retirement visa account and still stay compliant?
2.8k15425y
Is it feasible to open a secondary bank account in Thailand for visa financial requirements?
1.6k10136y
Does the 65,000 baht monthly income requirement for a Thai visa need to be met each month, or can it be averaged?
3.3k26307y
Resources
Need help with your retirement visa?
#1 visa agent · 4,000+ reviews · 100,000+ expats served