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Is the financial requirement for the Non-O retirement visa in Thailand 'or' 800,000 THB OR monthly income?

Jan 28, 2026
3 months ago
Greg ********
ORIGINAL POSTER
After reading many posts about the new rules for the non-O retirement visa (not the extension), I am wondering if the Thai Gov’t made a mistake by putting the word “or” between the monthly income requirement and the $800,000 bht requirement. I am thinking (guessing) that there should be an “and” between these two requirements.

I am seeing rejections for only submitting the proof of income, and not proof of $800,000 bts. Is this correct?
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TLDR : Answer Summary
In discussions about the Non-O retirement visa for Thailand, there is confusion over whether applicants need to meet one financial requirement or both. Users have confirmed that the option is indeed 'OR', meaning you can either show a monthly income of at least 65,000 THB or have a deposit of 800,000 THB in a Thai bank. However, some applicants have encountered issues when their submissions only included one of these proofs, leading to rejections, which has raised questions about the clarity and enforcement of these requirements.
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.
Jim ********
In Jontiem yesterday I submitted the statement from Bangkok Bank which I had to apply for 7 days before. The only stumbling block was that he made me get a letter of guarantee from the bank. 2 of the 3 banks I went to for this said it only refers to the
*****
0baht method and that my bank book and bank statements were enough. I knew better and thankfully the 3rd branch where I had opened the account many years ago obliged me and saved the day.
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David *****
It's OR. However you need 12 months of payments to qualify to get an extension. Most start with 800K and convert to monthly once they have the 12 months
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Wayne ********
Just get an agent

make life simple.
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Robbi *******
Guys some great information here - however, as always people THINKING they know the answer and actually KNOWING are 2 different things - if you have no experience just shut up and stop all this bullshit information get back to your drink and don't participate 💩
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Brett *********
My Non O eVisa application was held up because they wanted both when the requirement is either, not both. I escalated it to a supervisor and it was approved with the monthly.
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Pete ******
Mine was approved yesterday based on proof of income only.
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Kevin **********
You can request a Social Security verification letter online. It's not difficult.
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Mark *********
@Kevin *********
I get my pension from California teacher state retirement system. Everyone tells me that only a letter from the US embassy will be accepted by the Thai government. Have you been able to get a document stating your Social Security income as a way to prove financial surety?
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Mark *********
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Kim *********
Greg Alexander it's my understanding that he was not talking about the combination method but both conditions in full. He said 800k AND 65k.
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Kevin **********
I just got my Non-IO in Early December. You need verification from Soc. Sec., and/or pension of fixed amounts. BTW I got my retirement visa last week
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John **********
Some consulates want to specifically see the 65k per month coming from pension income with a certificate to show it
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Steve *******
You're guessing wrong. There are no new rules for the Non Imm O visa based on retirement
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Dylan ********
Mine was not rejected, but they did contact me and ask me for both. And my application took a very long time to get approved.
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Greg ********
ORIGINAL POSTER
Dylan Taylor they asked you for income and $800,000 bhts on your initial application in your own country? How long did it take?
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Dylan ********
Greg Gursey the application said I needed to show the equivalent of ฿800,000. And then they wrote to me and asked me for three months of income.

I don’t remember exactly the dates but I seem to remember I applied a month before my flight and it didn’t come through in time. It took about another three weeks so almost 2 months. I came over as a Visa-exempt tourist. I had to leave Thailand and re-enter to activate the 90 day visa. Someone on this forum told me you’re not supposed to do that, you’re supposed to wait wherever you applied, but I didn’t know. And I was planning a trip to Vietnam and Laos anyway so it all worked out.

I don’t know why it took so long in my case. I think it’s uncommon. I wrote to them twice saying hey I’ve got a flight booked. Can we move this along please? And both times I got a kind of standard issue response saying we have received your message and we are looking into this.
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Dylan ********
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Dava ***********
Baht, not dollars.
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Stephen ********
There are no new rules. The non-O rules haven't changed in at least fifteen years
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David ******
When submitting abroad I assumed the only practical path was having proof of $24-$25 USD in a bank account for 3 months. As verified pension income in most circumstances was not possible from your embassy.
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Bill *********
This is why a Visa agent can get all this sort of thing worked out so you don't have to worry about it. Save time and stress-free.
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Stephen ********
@Bill ********
The only problem since October is having your bank account "tainted" and the possibility of having your funds frozen. Many now are not prepared to take this risk. Has to be kept in mind this practice is illegal although never enforced
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Bill *********
Stephen Howell Agreed, having an account frozen would be a major inconvenience, but always have alternatives. Should that happen, I'd use my ATM card to produce cash for expenses until I could open another account at another bank. Then close the frozen account when possible. Sure some hassles but not the end of the world. I've had zero issues with my banking arrangement thus far.
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Stuart ***********
They are investigated sometimes. I spoke to a guy last year that was complaining he had his visa cancelled and had to leave Thailand. He was blaming the immigration officer, when it was his decision to circumvent the rules!
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Stuart ***********
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Deborah *******
I applied for the Non OA o Multi entry from the U.S. I only showed proof of 65k baht or more I was not asked for bank statements or any other proof. I was told when I renew I can show transfers to my Thai Bank account if it’s under 800k you can show deposits and at least 400k into my Thai bank. If you do the calculations 65k X 12 is 780k so I Guess that’s the combination method.
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Proficient**********
What new rules? Nothing has changed for the non o
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Greg ***********
Well, there are several roads leading to the 90-days Non-Imm-O Retirement Visa and to the subsequent “1-year Extension of Temporary Stay Permit based on retirement”, which is a long-term stay permit

MIND YOUR WORDING:

In Thailand, you do not apply for the “retirement visa” on Immigration, after you have entered Thailand on the “90-days Non-Imm-O Retirement Visa” you obtained through the E-Visa online system in your home country.

When you enter Thailand on this 90-days “retirement visa”, you get stamped in for a 90-days stay permit. The “retirement visa” itself will become invalid or “used”. It cannot get “extended”. This is technically not possible. It is just wrong wording used by Thai Immigration, for whom a visa and a stay permit erroneously are the same thing.

I am talking about the most common misunderstanding regarding the rules for applying for the “retirement visa” and the subsequent “one-year extension of stay permit based on retirement”. Misunderstandings happen because a “retirement visa” can mean 7 different visas and stay permits, but please let’s remain on topic.

The best way is to show up in Thailand on a 90-days single entry Non-Imm-O Retirement/over 50 visa”. It will get you stamped in for 90-days stay permit. Within this 90-days period you have plenty of time to arrange for the application to the “1-year extended stay permit”.

The important fact is, that entering on this visa-type enables you to get a Thai bank account opened. If you enter on a tourist visa or visa-exempt, you cannot get a Thai bank account opened any more, since February 2025. Only a handful of agents offer a service around this obstacle, and it costs up from 60,000 Baht.

There is NO mandatory health insurance or a police record check or a medical checkup required for this visa-type. These are the requirements only, for the application to the 365-days Non-Imm-O/A Longstay Visa, which is a completely different visa-type.

If you have arrived on the “90-days single entry Non-Imm-O Retirement Visa”, you can get a bank account opened on it. You will need the Thai bank account in case you want to convert the 90-days stay permit to a “1-year extension of the stay permit”.

You can theoretically fly on a one-way ticket because this visa allows you to receive a long-term stay in Thailand. Some airlines might not accept this explanation and will ask you for an onward travel proof out of Thailand within these 90 days, that’s why you should communicate with them by email and see what they say

In order to apply for the “90-days single entry Non-Imm-O retirement visa” through the online E-visa system at the Royal Thai Embassy of your home country, you can

EITHER

use a proof of income of a monthly minimum of 65.000.- THB, by using your original pension or other income documentation,

OR

you can use a deposit of a minimum of 800.000.- THB or the equivalent in your home country currency, or on your home bank account, or on your Thai bank account (if you got one), or just anywhere in the World – as long as it is in your sole name. Most Thai embassies will require 3 months of account statements. You need to check the website of the embassy you will use if there is any more info.

For the application inside Thailand, the application to the “1-year extension of the stay permit based on retirement”, the financial proof is different.

If you are a citizen of a country whose embassy in Thailand does not issue a certified “income affidavit” any more – (these are the embassies of USA, Canada, UK, Norway and Australia) you would need a “12 months bank statement” showing that for the past 12 months, you have been transferring from abroad to your Thai bank account a minimum of 65,000 THB, consecutively month for month.

If your embassy still issues a certified affidavit of income, you can use this method for the financial proof, which needs a monthly income or pension of a minimum of 65,000 THB

For British, Canadian, Norwegian, Australian and U.S. citizens, in the first year there is no other way around than depositing a minimum of 800,000 THB in your Thai bank account, and use this deposit for the financial proof which is required for the application to the “1-year extension of stay permit based on being over 50/retired”- at least in the first year

The alternative would be, if you don’t have that kind of money or are not willing to deposit in a Thai Bank account is, paying an agent to “arrange” the requirements.

As soon as you have accumulated 12 consecutive months of 65,000 THB transfers, month for month, you can apply for the next 1-year extension of the stay permit, using the 12- months bank statement, in the second year. After being issued the next extension, you can theoretically take the 800,000 THB out of your bank account.

There is a fee of 1900 THB for the application to a 1-Year Extension, and you can theoretically do it all by yourself, or accept the help of an agent for the simplified legal service.

NOTE: It is income OR deposit.

There is a third method, called the “combination method”: A combination mix of income and deposit.

Some immigrations don’t allow the combination method in the first year.

And some Immigrations want the deposit part to exceed a minimum of 400,000 THB.

The combination method means that the sum of the deposit AND the monthly income exceeds 800,000 THB in one year.

But let’s continue with the “normal method” (visa issued in your home country, followed by the application to the 1-year Extension inside Thailand):

On the day of application to the 1-year extension, the 800,000 THB must have “seasoned” in your account for two months, and this has to be confirmed with the “bank letter of guarantee” (in Thai: rab roong thanakan).

After been issued the “1-year Extension of the Stay Permit based on Retirement”, the 800K need to remain in the account for 3 more months. After these 3 months, the deposit shall never go under 400,000 THB. And before the application for the next “1-year Extension of Stay”, a minimum of 800,000 THB must have seasoned in the account for two months, again.

On the day you get issued the “1-year extension of stay permit”, you should buy a re-entry permit.

A re-entry permit will keep your stay permit alive and valid in case you exit Thailand before the expiry of the 1-year stay permit.

A single re-entry permit is 1000 THB on Immigration. A multi re-entry is 3800 THB. With a multi re-entry permit, you can exit and re-enter as many times as you wish during the whole 1-year stay permit period.

Good Luck and a great time in Thailand
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Neil ********
Greg Alexander you should peg this and everyone some asks the same question ( over and over again) they see this first.

Well done
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Gordon *******
Greg Alexander Great post.Thanks
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Neal *******
Greg Alexander Well stated!
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Liam ***********
Greg Alexander could not be explained better,thanks to
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Alan ********
Greg Alexander well done sir on the detail and explanation. I would say you may save some people a lot of time and money 👏👍
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Greg ********
ORIGINAL POSTER
Greg Alexander thank you so much. This is exactly what I need! You gave me my path!
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Von ***********
Greg Alexander best and most detailed explanation I have seen to date. Well done Sir! Take a bow. 🙇🏽
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Yves ********
Greg Alexander 👍
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Phyllis ********
Greg Alexander Thank you!
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Graeme ********
Fantastic explanation.
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Graeme ********
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Greg ********
ORIGINAL POSTER
So weird. Just a couple parts down, someone posted that they were rejected for only showing the income requirement. And many told him that he needed both. Ugh
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Greg ***********
Greg Gursey some Immigrations allow the combination method, the mix of income and deposit. However if you are a citizen of a country whose embassy in Thailand does not issue an income affidavit, you won't be able to get the combination method accepted
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Greg ***********
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Jeff *************
You need the 800 to start if you just opened your account, the 2nd year you can do the 65 per month as long as you start it as soon as you get your account open, they must show as a international transfer too on your bank statement
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Ian **********
Well, it is certainly not $800,000 :D
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Nigel *******
Just had mine approved on income only.
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Stewart ***********
Nigel Mills Hi Nigel, did you apply yourself or use a Visa agent?
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Nigel *******
Stewart Edmondson this was the initial 90 day none O, I did it myself, but might use an agent for the extension, as I don’t really want to put 800,000 baht into the Thai bank. British cannot use income method for the first extension.
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Greg ***********
Nigel Mills if you start to use the agent, instead of putting your own funds into your Thai bank account, you will never be able to get away from the agent, because you are violating the rule for the seasoning and keeping of funds throughout the year. The agent puts the deposit into your account only for 5 minutes, and actually you will be technically in "overstay" from the moment on when they withdraw the deposit. Only if you keep 800,000 THB in your account for the full year, you can switch to the 12-months transfer method
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Stuart ***********
As long as you are aware it's illegal to circumvent the 800k rules. If caught your visa will be cancelled and you will have to leave Thailand (this does happen). Your choice.
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Doug *******
Nigel Mills Same here.
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Stephen ********
Nigel Mills You can do the 800k in addition to the 65k transfers, and after twelve months withdraw the 800k and then use 65k transfers for the rest of your life. That's the best method. Leave the agent out of it
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Stephen ********
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John **********
No, it's one or the other
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John **********
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