Is it advisable to use visa agents to obtain a retirement visa in Thailand without showing the required funds?

Oct 4, 2024
2 months ago
Craig **********
ORIGINAL POSTER
Hi people have told about the retirement visa and how some

Visa agents for a fee will get the visa and you don't have to show funds they show the 800.000 baht for you. is it OK to use them
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TLDR : Answer Summary
The discussion revolves around the use of visa agents to obtain a retirement visa in Thailand, specifically regarding the legality and implications of using funds not personally owned to meet the financial requirements. While some users have shared positive experiences with agents, there are significant concerns raised about legality, dependence on agents, and the risks involved if immigration authorities reassess visa approvals. Participants emphasize the importance of fulfilling legal requirements, including maintaining 800,000 baht in a bank account, and express caution against relying on agents, which could lead to complications in the future.
NON-O RETIREMENT VISA RESOURCES / SERVICES
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Kevin ********
I had no problems using an agency to get my retirement visa
Vince *********
Yes but don't use knight visa in pattaya or bangkok
Wyn **********
If you use the agent route once why not use it 20 times keep you money and earn interest on it and if you die then the money is safe for your spouses.
Deborah *********
This has been happening for years. I know people who have done and do this and none of them have had consequences. You choose what feels right for you and your situation. And yes! They do keep your passport for about a month.
Pelle **********
Yes
Kevin *********
So you pay an Agent thousands to pretend you've got thousands.

What happens when Immigration discover it's Fraud?
Bill *******
Paranoia, roll the dice. Nothing ventured, nothing gained, candyass
Thomas ******
You only need to prove that you have 65,000 baht per month.
Kace *******
@Thomas *****
i have a US military disability pension of $4,100 per month. i have bank records showing my deposits for over 5 years . i have just over $15 k in savings and am here 40 days into my first 60+ 30. i don’t mind putting the 800k baht i. the bank. what’s the best way for me to proceed?
Thomas ******
@Kace ******
If you are above 50 years old you can easily get a retirement visa. However I would contact a visa agent in Thailand. They will do the job for you. You can do it yourself but it’s a hassle
Thomas ******
@Kace ******
how old are you?
Craig **********
ORIGINAL POSTER
@Thomas *****
sounds a better option
Thomas ******
@Craig *********
I paid 20,000 baht to an agent and I didn’t have 800,000 back then. A letter from my embassy proving I had the 65,000 was enough
Nigel ********
All depends if you want to go the legal route or not It's your choice if you want to start on a bad idea. Even though thousands do 🙏 You would also have to use an agent for the second year.
John-Paul ******
@Nigel *******
define "legal" here in Thailand. No helmet on any motor bike... illegal. No driver's license for car or any motor bike... illegal. Driving a car or any motorbike under the age of
*****
(depending) is illegal. Speeding is illegal. Crossing the solid yellow line is illegal. Not wearing underwear is illegal (no, really, it is on the books). Yet everyone from the grade school Thai kid to the 70+ year old foreigner does it. So exactly what is the "legal route" you are on about? Not that I am suggesting that anyone breaks the law herein, but we have to remember that we are in SEA. Here there are ways that things are supposed to be done and then there is the way those things are actually done. As for your last point, that you will be 'using the same agent for the following year/s'... well, why not? Less hassle, less time spent enjoying the wonders of the Immigration office and the charming folks there, not to mention the fact that you could be sitting on a beach or up in the mountains exploring the beauty of this country and its people and culture. Agents have their ways to simply simplify the system.
Mark ********
************************
Robert ********
Boss of immigration branch proposed that to me some years ago for
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using his money.

Luckily I declined. He was replaced the year when they had those large signs saying we should report when an officer asks for money.

And I’ve heard that many had to leave because they lost their visa.

Additionally: if you’re asking this, you probably shouldn’t be coming.

If you don’t have 800k to spare and try to bribe your way in, then you also don’t have the 65k monthly income. How do you plan to live with so little money? No health insurance, no safety?! So you will end up on the streets dying in some dark corner.

Stay at home where you have the chance to survive.
John-Paul ******
@Robert *******
Lighten up.
*******
K sitting in a Thai bank is dead money. It will not work for you for it cannot. You say "bribe" the IO say "Really?" They would prefer you to use a reputable agent. As for living with "so little money"... there are local families here that never see that amount of money in a year and manage to get by. There are foreigners can do the same. They will have to forego going to the bars every night, or bar girls every other night, or staying at
***
-star hotels, take the bus rather than a flight, shop at markets rather than at high end stores. But to suggest that they "end up on the streets dying in some dark corner".... really?! Those who cannot make it are usually sent home on flights arranged by there country's reps here helped to the airport by the local IO plods or a charity organization. It is a rare occurrence and no one dies.
Craig **********
ORIGINAL POSTER
@John-Paul *****
well said I wanted to reply but you did it much more politely than I.
John-Paul ******
@Craig *********
Thank you for that. I try and keep it civil... but there are times when .... I just bang my head against a wall....5555
Robert ********
@John-Paul *****
If you think so…

An agent must bribe the officer into accepting that the money isn’t there. It must be there 5 months in full and 400k the rest of the year.

As you live here you are well aware that only Thais can live with so little money (although the median income is about 80k), because they “borrow” left and right, have nothing to pay for health care, and can find work on a daily basis. Now show me how an alien can do that.

Are you living from 10-15k a month like my brother in law with wife and 2 kids? Sure not!
Craig **********
ORIGINAL POSTER
@Robert *******
Robert I asked the original question it's not because I have no money I'm just reluctant to put 800.000 baht in a thai bank account and get nothing great in interest I'm just considering all options before I commit 800.000 baht away forever if 800.000 baht is not such a big deal to you I would hope your brother in law benefits from your generosity good luck young man
Robert ********
@Craig *********
He uses my first Thai car and I pay the insurance. Is that ok for you?

Why don’t you use the 65k option if you have a problem with the money in bank?

I wouldn’t use an agency as they can only achieve it via bribery. They won’t leave their money in a bank for a year. And what do you do next year? You can’t escape once you’ve gone that route.

Oh! And 10k a month go to the sister in law who has 2 kids to feed but no job.

And it’s not the 800k that is small money, but what you can get out of it, that is not sooo interesting for me.

And good luck to you too, old man (although I’d guess we’re just 3 years apart and I could be older than you) 😂😂
Colin *******
No do it the proper way, no unemployment benefits , if they take your 800,000 baht and font get your visa your out of pocket
Kalaya *********
No 👎😞
Craig *******
2 agents told me they could get around the 800 000 baht deposit by me but they both needed my passport for 1 month.! Another red flag for me.So I declined. I will stress that other people I know have used agents and not had a problem. I intend moving around Thailand a bit and do no want any hassles in the future.
Craig *******
Thanks mate. 2 different agents have told me that. At this stage I am happy to go by the book.
John-Paul ******
@Craig ******
get another agent. What they have told you is wrong.
Jamie *********
Us *****
Well, it is a business decision to pay them anything under 30k total. I'd rather leave the 800k at home and earn 4.6% on money market rate which comes to around
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baht a year. After tax it might be 30k. If you leave the 800k in a Thai bank, it is dead money
Tracy *********
@Us ****
my thinking also
Graham ******
@Us ****
You only need the 800k tied up for about 5 months not for life
Craig **********
ORIGINAL POSTER
@Graham *****
please explain ? Do you not need 800k to show every year..
Graham ******
@Craig *********
1. Get your Non-O before you travel to Thailand (valid for 90 days)

2. Arrive in Thailand (90 days entry stamp) and open a Thai bank account

3. Two months before you a apply for a 12 month extension transfer a minimum of 800k to your Thai account

4. Next month start the monthly transfers of 65k (this money can be withdrawn immediately if required)

5. Two months after depositing 800k apply for your 12 month extension with >800k in your Thai bank account

6. Get the extension stamped in and wait for another 3 months before withdrawing money below the 800k level (but never below 400k)

7. Two months before your next 12 month extension you will have a minimum of 400k in your bank account and a history of at least 12 monthly deposits of 65k or more to meet the requirements of the new extension. The 400k can be withdrawn when the extension is granted but maintain the 65k monthly transfers for subsequent extensions.
Andries **********
@Graham *****
van punt 1 tot punt 4 kan dat in 90 dagen?
Graham ******
Us *****
@Graham *****
I like having my money in America. I'd rather know it is safe.
Graham ******
@Us ****
make your mind up
Us *****
@Graham *****
I already told you, I'd rather pay the agent for the paperwork and let my money make money in America.
Tom ********
I have done it before with no issues but it means you will have to use the agent again next time, better if you can do it yourself.
Rene ********
If you haven't got the money and you need to do it use an agent I'm going to guess that the standard fee from Bangkok crowd is around $40,000 for the whole process including the three months and on immigrant owe to start off with and you can add on four or five thousand for a multi-entry Visa as well. If you've got the money yourself do it yourself. Both work fine
Rene ********
@Tom *******
not true everywhere
Butch *******
@Tom *******
why would you have to use the agent again as you've stated ?
Koos *********
If they put the monny in my name on account maby it is possible to withdraw that monny??

Seems riscy to me.
Tony **********
And your bank branch could be in a completely different province. Could be difficult to break off the agent in the future.
Bart **************
It's called bribery. It's not ok.
Galen ******
There should be instances where Immigration could be flexible. Let’s say there is a person that has been on Non-O annual extension for around 20 years, without any issue. In the 21st year, the person could not meet the requirements due to a Thai family members medical emergency. Immigration should look at the history and current circumstances and then possibly approve the extension even without meeting all requirements.
Steve *******
@Galen *****
Well, good luck with that happening at any Immigration Office 'cause you're going to need it!
Stephan ***********
@Galen *****
If you start this thing... what are the criteria? Let's say they do what you ask for. The next one might have only 19 "perfect" years... what about him? Exception or not? If yes... where is your threshold? 10 years? 15 years?

I got your idea, and it's actually nice, but it won't work, because there will be always someone who feels discriminated or disadvantaged or, or, or... and why should they deal with moaning foreigners?
Galen ******
@Stephan **********
No criteria, simply an Immigration Officer helping a family that may be in distress. I'm sure there are Officers that do help foreigners in distress. Let's say a foreigner's wife or child had a vehicle accident and are in hospital. The foreigner's visa expires in two weeks, but cannot qualify for extension because their money has been used for hospital expenses. Maybe the foreigner could be given some kind of temporary stay to take care of their family.
Galen ******
They could give a person the benefit of the doubt based on a strong history and circumstances. Maybe the individual has the money, but not in the Thai account at the moment. Might reduce the need for agents.
Robin ********
@Galen *****
too much work and common sense for thais to do this mate lol
Damo ***********
@Robin *******
Can a Thai actually spell 'common sense'?
Brandon ************
@Galen *****
That doesn't make sense. The money is in the bank exactly for emergencies. They want to know you can support yourself in an emergency. If that money was already spent on an emergency, that means you will not have the money for the next emergency and may become Thailand's problem due to that fact.
Craig *******
@Michael ******
Thats well put. I have been advised to put the 800 000 in legitametly to avoid any future dramas. I intend folĺowìng this advice.

.
Christopher ******
@Craig ******
I think people use the agency because they don’t like tying up all that money in Thailand, & Thai bank accounts & having it sit in an account & not being able to use it
Craig *******
@Christopher *****
That I can understand and I know people that do it. Maybe I am getting more conservative. On this matter i am going by the book.

Trying to enjoy a drama free multiple entry lifestyle here. So in it goes.

But goodluck to everybody with their retirement however they proceed.
John *********
@Craig ******
who gets

800k when u go to next life ??
Craig *******
@John ********
I think the bank keeps it if you dont have steps in place. Not sure to be honest. So if you think you are going to cark it start withdrawing pronto.

I am not well informed on this issue but somebody else might be.Anyone ?
Nigel ********
@Craig ******
Good advice If you can afford to do it put the 800k in and Forget about it and enjoy your life in thailand, The following year will only cost you 1900bht and very easy to renew because you've done it , right 🙏🙏🙏
Steve **********
@Craig ******
just leave it fir 1st year then arrange for pension or ss to be sent " foreign source, and retrieve your 800k
Craig *******
@Steve *********
Good suggestion. Thankyou
Steve **********
@Craig ******
I use income, never put $800k in Consul used to confirm retirement..no more, just use pension.9
Michael ********
@Craig ******
me too 👌👍
Martin *********
Yes that is exactly what they do. I used one and it was no problem. I will send you the name of the company I used
Tracy *********
@Martin ********
please send to me also
Yoni *******
@Martin ********
can you send contact. I need a new agent for that. Was using one but she had a baby and stopped working
Martin *********
Yoni *******
@Martin ********
thank you. Just saw it. Went to message requests and my app is being weird and won't let me hit the accept button to write back. Will check them out. Appreciate it.
Kevin ******
@Martin ********
can you please cc me? I need.one as well.
Martin *********
John **********
Using them is your choice but you will likely be locked into Using an agent and paying for the privilege going forward
Rene ********
@John *********
in some places yes but in others you can easily change over to doing it yourself when that becomes more convenient
Phil *******
@John *********
but you can easily earn 40,000 baht per year by having the 800,000 elsewhere, that more than pays for the agent to do your annual renewal.
Richard ********
@Phil ******
that is 5% interest rate, so doable in a term deposit. But it's still tied up, you can have the 800k in the new BKB term deposit which earns about 6% and you get your 40k in the pocket or leave it in there. Then you can do it yourself. I flew to Thailand 3 months before I was going to move here, started a BKB account and deposited the 800k in a term deposit and 200k in a debit card account also, went back to OZ got all the i's dotted and came back and applied for my O retirement got it and haven't looked back. Built our home and moved in, and I now have it in the new term deposit which is a better interest rate and not variable until the next anniversary.
Phil *******
@Richard *******
5% is easy without a term deposit, over 6 with term. But i'm interested to hear about the 6 in BKB, but surprised to learn that it is ok for visa if not easily accessible.
Kate *******
There’s really two different types of Thailand, the one that works the way it says on paper and the one that goes on in reality and is still very much the norm here. Which one you want to be a part of is up to you but you’d get no judgment from me.
Lena *******
@Kate ******
Smart lady. Works that way in a lot of countries.
John-Paul ******
@Kate ******
Absolutely correct. Great response and spot on!
Wayne ***********
@Kate ******
seems to me Kate that you actually understand Thailand. Well stated.
Kate *******
@Wayne **********
I haven’t been here long but I have a Thai friend and her and her family have been so welcoming. Pretty much everything I thought I knew was wrong, even needing a degree to teach English here, they said noooo, no need, no need. They just do what they like 😂 Also quickly learnt about Thai time too!
Craig **********
ORIGINAL POSTER
@Kate ******
very good reply
Stuart ***********
As Brandon stated it is against the law and if the immigration officer is investigated, all of the visas wrongly approved are cancelled (yes this does happen). So you would have paid about 30,000 baht only to have to leave Thailand. Your choice.
Robin ********
@Stuart **********
18,000 . A risk but if you can't afford to have the 800k in place .
Stuart ***********
@Robin *******
yes you are correct, but I guess if they can't afford 800k should they be in Thailand? What happens if they have an emergency?

I point out the risks, because some people will not realise they exist.

18,000 seems cheap, never seen anyone quote that amount before. I was quoted 30,000 just to get the visa using my own money (I never intended to use them, I was just curious).
Michael *******
And you are locked in on to the hamster wheel you go:-)
John **********
@Michael ******
Not at all . You can jump off anytime you want.
Steve **********
Phil *******
@Michael ******
but you can easily earn 40,000 baht per year by having the 800,000 elsewhere, that more than pays for the agent to do your annual renewal.
Tracy *********
@Phil ******
that’s my thinking
Michael *******
Good luck 😊
Andy ************
@Phil ******
Or use the 65k per month transfer method. No need to tie up money and no need to be scammed by an agent
Graham ******
@Phil ******
You only need the 800k tied up for about 5 months not for life
Brandon ************
Is it okay? That's up to you to decide. The legal requirement is that YOU have the money in your bank account for a certain number of months. By using an agent you are basically skirting the law through bribery. So whether it's okay or not is up to you decide.
Christopher ******
@Brandon ***********
of course it’s okay…the country runs on bribery, I mean that’s what the Police check points are for, nothing to do with safety just tea money.:)
Dominique *********
@Brandon ***********
Bonjour à Vous Monsieur. Hello Sir, I always read your remarkable and precise answers very carefully. For my wife and I, retired, this will perhaps be a first time in Thailand this year.

Natallia et Dominique
Damo ***********
@Brandon ***********
agree... and I believe sooner rather than later this loop-hole 'could' be stopped... and people will then have Immigration knocking on their doors asking to look at their Bank book... ending with a big red stamp.
John-Paul ******
@Damo **********
Okay.... so you are right in principle. Unfortunately, our local IO prefers it if you would use an agent. They hate the paperwork. They hate the banks when they get the letter wrong or when they have to photocopy bank books and have to read the codes for deposits, and frankly, have to deal with the entire matter. In short.... "See agent" is what many here get told. Now if you want to believe that there are bribes or under the table deals... welcome to SEA. It has been a system that has existed or decades. It may not be the way things are supposed to be done... but it is the way things get done.
Slim ***
@John-Paul *****
Reality with Immigration offices of every Nation 🎯
Michael **********
Yes but the to use their money is around 10,000 bht
John **********
@Michael *********
I paid 20.000
Butch *******
@Michael *********
that's cheap, I paid Thai visa assist
*****
for multiple entry + another 4000 for re-entry permit, now doing it myself
Peter ******
@Michael *********
28,000 baht
Greg ***********
@Michael *********
BS! Without own funds the agents take 30.000.- THB upwards
Steve **********
Greg ***********
@Steve *********
and so it's BS according to this guy?
Robin ********
Greg ***********
@Robin *******
and
@Lloyd ********
and
@Michael *********
They speak English. How much is BS plus BS? It is 1900.- THB plus 7500.- THB for the Extension of Stay Retirement, using your own funds. Now please explain this BS-price to me 😄🙂😄Is this price BS? Prolly only in your BS imagination. Haven't I been right when I wrote, it costs 10.000.- THB using your own funds? YES or NO ??
Carsten ************
@Greg **********
that are all bs prices, nothing official.
Greg ***********
@Carsten ***********
of course agent prices are nothing "official". I have read a report from a guy who was quoted 73.000- THB (!!) for the retirement visa and the 1-year extension without using own funds 😂
Lloyd *********
@Greg **********
what are you talking about?

If you have the funds then do it yourself at immigration for 1900 baht, + bank letter charge.

If you don't have/want 800,000 baht in the bank, use an agent, which in my case is 12,500 baht all up.

Up to you 🙂
Greg ***********
@Lloyd ********
big BS from you. It never is
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.- THB for the first time if the agent has to front the funds. It's a minimum of 30.000.- THB since a few years. Only the repeated extensions cost less. And you are caught in the agent hamster wheel. And I don't mind keeping 800K in my Thai bank account, I don't need any agents
Robin ********
@Greg **********
Need to ask around more . Can guarantee i can get it done for 14-18k 1st time of asking . Plus why the attitude ? Not seen a comment on here thats been rude . So why go mental over a discussion , calm your self down .
Greg ***********
@Robin *******
I have been called out for BS, I have no reason not to be rude to those who insult me. If you have no own funds, an agent will do the first "retirement" visa & extension for a bribe of 30.000.- THB upward. Follow up extensions cost less, maybe between
*****
and 15.000.- THB. If you use your own funds, a well known agent's service in Pattaya for the fully legal "1-year extension of stay" can be had for 9400.- THB, and this includes a single re-entry permit ! I have no idea, why some rude guys in this group call this "BS". I am posting mere FACTS . . . . note I never say "it's this or that much" . . I always say "approx." or "from up to". As a rule, I avoid generalizations
Lloyd *********
@Greg **********
if you don't use an agent how do you know how they operate?

To start with, the Agent doesn't put any money in your bank...
Lloyd *********
@Greg **********
BS! to you...12,500 baht in Pattaya
Greg ***********
@Lloyd ********
go see F.S. Consulting. Their price is 7500.- THB and 1900.- for the single re-entry permit. All in Pattaya
Lloyd *********
@Greg **********
inc no funds in bank? really?
Greg ***********
@Lloyd ********
I wrote before "when using own funds"
Kim *********
@Lloyd ********
stupid remark
Greg ***********
@Lloyd ********
okay,
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, that's not very far off from the mark I posted. And it depends on which agent you use. There are many in Pattaya and they compete with their service fees. I know some who will do it for 10.000.- THB
Phil *******
@Lloyd ********
name the agents.
Michael **********
@Greg **********
just went through the process last week whole process 36,000 bht additional 10 thousand if agent provides the 800,000 bht in bank account so not BS
Stephan ***********
@Michael *********
"...just went through the process last week..."

I'm pretty sure you don't mean that you got your own extension using a dodgy agent to cheat the system, right? Otherwise it would be a bit foolish to post this here. Because you never know... maybe some IO is looking for your name in the database right now... 😁
Carsten ************
@Stephan **********
next to his name he will see the name of the IO who took the bribe. Where's the problem?
Robin ********
@Michael *********
theres one in pattaya i know thats either 14 or 18k fee .
Lloyd *********
@Michael *********
where are you? Obviously not Pattaya
Greg ***********
@Michael *********
if you use your own funds, the agents fee will just be 10.000.- THB and that includes a single re-entry permit
Greg ***********
@Michael *********
you have been ripped off
Sylvia ********
@Greg **********
not ripped off, the first time it us complicated and you get 15 months,
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to 40 000 also includes opening bank account which is a requirement. Future yearly visa will be around
*****
as you mentioned
Greg ***********
@Sylvia *******
yes, that's correct and I am aware of it. It still is illegal and doesn't cut the ice if detected from higher up in the chain.
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