Is it possible to obtain a retirement or marriage visa in Thailand without meeting the bank deposit requirements?

Dec 4, 2022
2 years ago
Michael *******
ORIGINAL POSTER
Anyone had any experience getting a retirement visa or marriage visa without the bank deposit requirements??
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TLDR : Answer Summary
Several community members discuss the challenges of obtaining a retirement or marriage visa in Thailand without meeting the bank deposit requirements. It is emphasized that Thai immigration typically requires proof of funds in a Thai bank account for extensions of visas like the NON-O. Some suggestions include using funds from a home country bank account for Initial OA visa applications, while others recommend contacting visa agents who may offer services without the usual bank deposit requirement.
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.
Johan ********
Talk to VIP Visa in Jomtien.
@https://facebook.c*******************
Natalie ********
If you qualify for the LTR Wealthy Pensioner visa, that could work for you. No bank account required.
Michael *******
ORIGINAL POSTER
@Natalie *******
there is nothing wealthy about mešŸ˜œ
Natalie ********
@Michael ******
ok, fair enough! šŸ˜
Parry ***********
Thai Visa
Steve ********
PM me
Mike *****
Agent. 0 baht req'd for bank deposit. Fee for their service. They handle everything in 7-10 days.
Paul ********
Check your messages - I sent you some information.
Kat *****************
Would you send it to me too, please.
Jeff *********
@Paulo ********
Hey, can you send to me too?
Paul ********
Stuart ********
@Paulo ********
me to lol
Carsten ************
You got a pm
@Michael ******
John ********
There's Nothing you can do unfortunately the thai immigration is going to want to see a thai bank account details in your name
Will ************
Even if you go to an agent and get a Non-o 3 month + 12 month extension you will still have to open a bank account and put in 65k or 40k baht (depending on visa) minimum (not average) for 12 consecutive months before your next extension and keep doing it
Martyn ***********
@Will ***********
an agent will sort it without funds
Frank **********
@Will ***********
requirements are 800,000 Thai Baht for retirement visa or 400,000 baht in Thai Bank for marriage visa.
Will ************
@Frank *********
or the monthly deposit method
Frank **********
@Will ***********
yeah but that has to be 12 consecutive months of showing deposits.
Michael *******
ORIGINAL POSTER
@Frank *********
I am aware of that But I have heard there are ways around this
Winston ********
@Michael ******
no way around that... retirement visa deposit 800K or marriage deposit 400K. If you don't have the funds, they go through a reliable agent... retirement visa under 20K including multiple entry (which is 4K). marriage visa is more expensive (retirement visa you cannot work, marriage visa you can work but still need to apply for a work permit). If you don't have funds to deposit and you don't want to pay and agent then you have to do the visa run every 90 days.... twice by land and twice by flight. You apply for 60 days and then extend for another 30 day Thailand. This is best to my knowledge and what I know first-hand from a few others who have followed either of these.
Michael *******
ORIGINAL POSTER
@Will ***********
do I have to keep the funds in there each month or can I withdraw after depositing?
Will ************
@Michael ******
yes you can withdraw after depositing BUT you MUST have 12 months payments in advance of applying. If you miss a month itā€™s game over.
Michael *******
ORIGINAL POSTER
@Will ***********
maybe I could go for an ED visa for the 12 months while depositing my social security payments for the 12 months and then go the marriage visa route
Vinny **************
You need to open a bank account in your name

Deposit funds
Steve ********
Get an OA visa in your home country and use funds in your home country bank account as proof. You can get up to two years from it. Then return to your home country and repeat. Keep repeating every two years until you die
Roberto *********
@Todd ********
Ok, at least you acknowledge that a bribe is being paid. That's what a lot of people won't accept. So yes the stamp is legitimate, but the process to obtain it was not. The matter that I'm aware of concerned an Aussie who's the neighbour of a drinking buddy in Bangkok who had been arrested for "visa violation" and was in IDP and was getting no assistance in getting a flight out. Someone on one of the Aussie expat groups mentioned Steve Smythe, knowing he is a retired solicitor from Sydney and is well-connected at the Embassy in Bangkok. Steve was able to get some strings pulled and the guy was released from IDP and was put on a plane with a 5 year ban. You are correct in that there was no violation with the actual visa, but this poor guy got caught up in an investigation that didn't even involve him, but some IO at an office I won't mention, but he got a visit from the police who just wanted to see his bank book to ensure he had the money as required, which of course he didn't. So what they got him on was failure to meet the requirements of the visa/extension, and they went back to the start date of that extension and deemed him to be on overstay for something like eight months. That's what they nailed him on was overstay. There was no mention of dodgy agents or dodgy stamps, simply no money in the bank. So yes, chances of being caught are almost non-existent, but they do exist. If the police receive a complaint they are compelled to investigate, otherwise they are looking the other way. I think people should simply be aware of this before going blindly down the agent path. As has been pointed out, some people don't have the choice and it's worth the risk for them. I've never met Steve, but understand he's got stacks of money so he has no cause to use an agent, and urges others who can afford the
*****
per month to get on that plan.
Roberto *********
@To**
I see a lot of your posts here and I actually think you're quite an intelligent guy. Your posts are articulate, with good spelling and very good grammar (which sadly is lacking on social media), so do you really, really, really believe that no money changes hands "under the table" at immigration when going through an agent? Really? I refuse to believe you could be that misinformed!
Todd *********
@Roberto **********
100% money changes hands. Thatā€™s why the passports are sent to remote offices for the stamp.

But thatā€™s not the consumerā€™s issue. You pay a company to execute a transaction on your behalf. I could care less how the execute that transaction. Itā€™s their business, not mine. And involves them interacting WITH the govt. The agencies are very well known to police and to immigration. The stamp is well known to be perfectly legal. So it strikes me as odd that people here rave on about deportation or some misplaced sense of moral superiority in not utilizing these well established and effective businesses. I donā€™t have an agent visa, but I have in the past and completely understand why many people choose that avenue
Steve ********
Robert Curtis I've lived on the
*****
baht per month transfer for years. I refuse point blank to tie up 800k for the rest of my life. The 65k is mine to do what I want with, and realistically I need 50k per month for my lifestyle anyway (I didn't retire to Thailand to count the pennies) so the 65k is no big deal.
Steve ********
Robert Curtis Yes it is. Because there's no requirement to put 800k in a Thai bank account, the authorities want to make sure the dosh is available if you end up in hospital!
Steve ********
@Steve ******
I have a friend lives in Mukdahan in the same situation. Just strolls across the bridge every three months to get another 90 days. Why wouldn't he?
Steve *******
@Steve *******
Im based in Ubon and spend 3-4 days in Laos or Cambodia every 90 days, makes a nice change. The multi entry is handy if you need to travel anytime, even back to the UK a couple of times, no hassle, no visa issues.
Peter ****************
I think what
@Steve *******
says is the way to do it
@Michael ******
(Go Savannakhet) I don't know if you also need the money for a non imm O MULTI entry ? You can almost get 15 months out of this one with only border hops every 90 days.
Steve *******
@Peter ***************
plus a 60 day visit family extention on your last entry giving you almost 17 months.
Michael *******
ORIGINAL POSTER
@Steve *******
I have already left my home country Even if I was there I do t have large funds in my bank I just have my social security money of $1400 per month coming in
Frank **********
@Michael ******
I am getting married myself in January, I have the 400k baht but will I most likely go the 12 consecutive month way afterwards. Anyway I wish you luck. imo I would stay away from a Visa Agent who will use fraud to get that Visa. You might be lucky and never get caught but why take the chance of getting in trouble. Good luck.
Steve ********
@Michael ******
Legally you cannot get a retirement visa for Thailand. There are ways to circumnavigate the criteria but you'll probably be paying an agent around 50,000 baht every year to do this, and you'll always stand the chance of being caught out, which can result in deportation and five year ban on re-entering. Might be better finding a wife, and your social security money will cover the monthly criteria
Todd *********
@Steve *******
it 14k annually for agent renewal. Zero chance of being ā€˜caught outā€™, or deported and itā€™s perfectly legal. Check with your lawyer
Winston ********
@Todd ********
People like Steve just talk from the top of their hat. He has the money so he can flaunt. If he was wearing the other person's shoes then he would know and probably go down the same rabbit hole as others. How insensitive to other people's feelings and needs. There are agencies that cheat and there are legit agencies too. This goes for anything, not just about visas. Pros and cons in everything. Discretion is important and we all have to do our diligent check before we engage the services of any agency. Todd i have sent you a private message, if you don't mind.
Roberto *********
@Winston *******
But he's actually right. I know some people are sensitive to his no-nonsense straightforward approach, what he says he totally correct. And the "each to their own" bit sums it up.
Todd *********
@Roberto **********
if it was totally correct, that would be great. However, as I pointed out, itā€™s quite inaccurate info and from someone who clearly has not used an agentā€¦ so take his info regarding that with more than a few grains of salt. I chuckle at the drama Queen theatrics about deportment as much as everyone
Steve ********
@Todd ********
Talking about avoiding having the money in the bank. Check with your lawyer.
Todd *********
@Steve *******
I have. And for sure no lawyer or agent told you 50k. And none of them require you have the little 800k deposit. Spouting rhetoric and incorrect perspectives here seems odd. But go for it
Steve ********
@Todd ********
Only telling the truth. A person should have the correct information from both both angles. How can a retirement visa be issued without having money in the bank? That's immigration law. If it's being by-passed it doesn't meet the law. It's simple enough. But I always emphasise it's each to their own.
Winston ********
@Steve *******
I don't know from where you got your information but that may be some fraudulent agencies that you have come across. I have come across good ones and I know many who have exited and entered on the retiree visa and had no problems for years now. and the fees are below 20K baht including multiple entry.
Steve ********
@Winston *******
Only what others have said. I've lived 100% legal in Thailand for many many years. I don't like having to look over my shoulder worrying if I'm going to be deported. But each to their own! šŸ¤£
Winston ********
@Steve *******
you are right each to his own. but here people ask for advice and what was mentioned is he had no deposit money. So please read my comment again. I outlined choices so i don't see your comment in any way relevant to what i had written. Don't be hasty to write you have the deposit money so you can afford to talk. not all have what you have so they are reaching out to ask for the best advice possible.
Steve ********
@Winston *******
I agree totally, but also I think it's good advice to let this person know that if he is using an agent to avoid paying the deposit, it is by way of bribing an immigration officer, and therefore the transaction is not legal. I think that's a fair comment.
Frank **********
@Michael ******
1400$ is probably not going to cut it for either visa.
Michael *******
ORIGINAL POSTER
@Frank *********
itā€™s enough for the marriage visa They want 40,000 per month income
Frank **********
@Michael ******
yeah but there has to be 12 monthly deposits before you can get the visa.
Michael *******
ORIGINAL POSTER
@Frank *********
so I would basically have to do visa runs for the year?
Frank **********
@Michael ******
most likely.
Steve ********
@Michael ******
You can get a 90-day non-O (married to a Thai) visa from the consulate in Savannakhet. You don't need to show funds for this. However, you cannot extend in Thailand without the funds, so you would need to go to Savannakhet every 90 days for the rest of your life, unless you start the 40,000 baht/month regime, in which case you could then extend in Thailand after one year as Frank has indicated above
Steve *******
@Steve *******
You can get the multi-entry in Savannakhet for 5000bt, no funds needed, it gives you 17 months but you need to border bounce every 90 days and then do a 60 day visit family extention.
Steve ********
@Steve ******
Correct. Which gives
@Mic****
more than enough time to start the 40,000 baht per month transfers into a Thai bank account
Steve *******
@Steve *******
I dont even bother with yearly extentions, Ive lived here on the multi-entry O for about the last seven years, no need to keep the money in a Thai bank, no need for re-entry permits, nice holidays to Laos/Cambodia or anywhere every 3 months
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