Should I choose a retirement visa or a marriage visa for marrying my Thai fiancé?

Jan 20, 2025
20 hours ago
Stanley **********
ORIGINAL POSTER
I am a U.S. citizen, I will be marrying my Thai fiance sometime this year. Which should I do, retirement or marriage visa?
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TLDR : Answer Summary
As a U.S. citizen planning to marry a Thai national, you have the option to choose between a retirement visa and a marriage visa. Discussions in the community highlight that while a marriage visa allows for a work permit and potential path to citizenship, it comes with more extensive paperwork and regulations, including annual home visits by immigration officers. In contrast, a retirement visa tends to have simplified requirements but necessitates a higher bank balance that must be maintained. Personal experiences shared indicate that the retirement visa is generally preferred for those who do not intend to work, while the marriage visa may be better suited for those wishing to remain employed in Thailand. Ultimately, your decision should consider your financial situation, future plans in Thailand, and personal factors related to your relationship.
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Tore *********
Also consider DTV if you travel often. By far cheapest, but more suitable if you travel outside Thailand from time to time
Will ******
Retirement. I hope marriage works out but don't ignore what people are saying. You can have the best intentions but things can go very wrong to the point where you no longer recognize the person you married. Just make sure your future wife is 100% onboard with your future plans here, ie say you see yourself living in Phuket but she wants to stay near her parents. Or family are involved in every decision.

I can't stress this enough.
กะลาสี *****
As many have already told you, a retirement visa is easier with regard to the paperwork but you must maintain twice the bank balance and you cannot work on the retirement visa. I've been married to my Thai wife 8 years in June and living in TL 7 years as of last month. We have a fantastic marriage. My wife is awesome. It's easily the best relationship I've ever had and I've had my share, including a divorce several years ago. I'm retired so I have no need for the work permit so I've decided to remain with the retirement visa. I considered switching to the marriage visa a while back but then I saw in the news where a Thai married to a Farang died and he was on the marriage visa. He had to report this to immigration immediately and they gave him 7 days to exit the country, since his wife was now dead and therefore he was no longer married. I think if my wife were to pass, the very last thing I would want to be dealing with would be immigration. I'd be planning a funeral and all the things involved with it and mourning my wife. My wife is 12 years younger than I am, she's slim, exercises nearly every day and eats super healthy. I think it's unlikely she will die before me but hey, you never know, she rides a scooter and this is TL. Odds are if I switched to the marriage visa everything would be fine but I guess I just like the autonomy of knowing that my ability to stay in country isn't all based on my marriage. That's my 2¢ on the matter. I wish you and your future bride all the best and I hope you are as happy as I am. Cheers ~ Bill
Robert *********
Darren Raine Good to here a positive marriage to Thai woman story. Wishing both good health and many happy days together.
Sunida **************
My husband who is US citizen and I married in USA and if we want to do marry visa when he live in Thailand. We need to marry and get certificates from Thailand also, right?
Peter **********
@Sunida *************
you have to get your US certificate translated to thai, then register at the MFA then get a korror 22 from your amphur
Philip *******
The question then is how effective are prenups? Is there anyone with history of winning with a prenup agreement in the Thai courts? Lawyer recommendation? Cheers. May you see nothing but winning.
Andy *********
Keep away from marriage worst thing you could ever do many fail and end up skint
Derek *********
Retirement can still be obtained using the 65k per month deposit no need to keep even 400K in the bank
Tore *********
@Derek ********
im pretty sure the US embassy have stopped issuing the statements, you you’d have to wait until extension for that
Walter *******************
@Derek ********
How do you show proof had to be deposit in a Thai bank?
Joseph *******
Retirement is better, if you have the means. But … If Thai citizenship is on your horizon AND/OR you want to apply for a work permit, go with Married option.
Randy ******
Buy a water buffalo as a wedding present
Charles **********
Retirement is easier
Timothy *******
Definitely Retirement visa
Peter *********
Retirement easier to do
Troy *******
Get a lawyer to write a prenuptial agreement because those birds are all about money and family—— not western husbands. You have been warned.
Randy ******
Troy *******
dude just looks and acts naive. He needs help mate.
Nika ******
Do prenuptial agreements first 🤗
Bri ****
List of requirements depending on circumstances. Marriage Visa.
Paul *******
I’ll probably change over to the marriage visa later this year. The extra paperwork doesn’t sound that difficult. We are O.K. If immigration want to come and visit.
Brandon ************
@Paul ******
you'll also have to make 2 trips to immigration. First to apply. Then you'll receive an "under consideration" stamp which is the time they'll use to visit your home and talk to your neighbors. Then you go back again to get your extension stamp.
Paul *******
@Brandon ***********
that's OK, it's a 1 hour drive. Plus we can visit Makro and stock up on sausages. 😀😀😀😀
Wanneeta **********
Wanneeta **********
Ohh God!
Lucky ******
Gregory ********
Never mind the visa—why do you need to get married🙈🙈🙈🙈🤪🤪🤪🇹🇭🇹🇭🇹🇭
Gregory ********
Retirement—marriage big mission—from MY experience
Mark **********
Follow the requirements for that on your government website. Or your country might not recognise the marriage
Pertti *************
Spouse visa give you route to citizenship aplication after 3 years if you work and pay taxes🙏
Michael ********
@Pertti ************
Visa has nothing to do with it, only the work permit taxes and actually being married
Pertti *************
@Michael *******
you can't work with retirement visa👌
Pertti *************
@Michael *******
you can apply WP with spouse visa💦
Kool *******
@Michael *******
with the only two options the OP listed, the type O based on Thai wife has a lot to do with it.
Michael ********
@Kool ******
Just being married is enough my friend got his citizenship and he was on Non B with work permit. Having a marriage visa would have made no difference otherwise he would have done it
Kool *******
@Michael *******
that is true, but has no reference to the OPs question.
Marianne ********
IF you are in the position of being able to and wanting a job in Thailand, a marriage visa will allow you to get a work permit.

This opens up a path towards citizenship for you.

The retirement visa does not do this.

You need more money in the bank for Retirement.

for Marriage visa you just need to show proof of marriage, proof of finances, some weird and somewhat intrusive photos of you as a couple( or family ) in various places in your home and whatever else your specific immigration office requires you to deliver as documents.

Shouldn't really be much harder than a retirement.

I would personally go for marriage.
Daren *********
As stated above, you only need 400,000 baht for the marriage extension in the bank. Yes, there is a lot of paperwork, but it is easy to do. No need for any agent as you will need to collate all the paperwork anyway.
Wal *********
RUN
Jon ********
Having had a marriage extension and a retirement extension I can say unless you are planning to have children or cannot afford the retirement extension (400K/800K) the retirement Visa extension is the way to go. Much less paperwork and you will not be controlled by your wife if things go bad.....Divorce would negate the Marriage Visa extension.
Bill *********
@Jon *******
Great answer: Retirement Visa is reliant on myself which is 100% iron clad. Anything else would be sketchy; not wise to have your future controlled by someone else.
Rolf *********
Retirement!

Marriage visa is a hassle, you need to take photos of your home inside and outside with you and the wife (with kids too if have any), immigration will come and check at least one time yearly and talk to your neighbours to investigate if you’re really married and live there and so on. And keep 400k in Thai bank account in your name for 2 months before applying.

Retirement visa you put 800k in bank but not many other requirements.

I marry my gf next month and will use ed visa for 3 years until I’m 50 and can get retirement visa due to all the hassles with marriage visa.
Brandon ************
@Rolf ********
most non-university ED visas can only go for 2 years on the same subject. Might want to look at the DTV instead
Rolf *********
@Brandon ***********
have a school that can extend up to 3 years, but yes DTV is an option I might use otherwise
Brandon ************
Anyone who can choose would always choose retirement based on it being much easier. The ONLY time marriage is better is if you plan on working in Thailand, since you can still get a work permit on marriage visa but work is prohibited on retirement visa.
Sarah ******
@Brandon ***********
Is this a fairly new thing then? In the past when I was married and working, I had to convert my marriage visa to a 'non - b' visa - (Going back about 15 years )
Faye *********
@Sarah *****
technically you have never had to convert to a non B to get a work permit when you are on a non O due to marriage, a lot of places that employ people prefer it and will say they have to (even asking immigration to state the same) so that your visa is tied to their company.
Kool *******
@Sarah *****
no, it is not new. It is just that many businesses do not know how to deal with marriage extensions, as then they can't hold the visa extension as a threat if you don't work.
Brandon ************
@Sarah *****
I don't know anything before Covid as that's when I first started visiting Thailand.
Terary **********
I asked a visa agent the same question. They told me the price of each

10,000 - retirement

65,000 - marriage

You'll find the marriage visa is about that much more difficult. If you like adventure you can do it yourself to save a few bucks.
Darren *******
@Terary *********
If you don’t mind me asking,what visa Agent quoted you 10.000-retirement. Is that with 800.000 being deposited in bank account. Or the 60.000 coming in monthly.

I Have a Thai bank account now as went and opened myself but being quoted 20.000 to get retirement visa and I have visited a few places.
David *******
@Terary *********
Which agent and where was the 10,000 for retirement visa please
Willem ****
James Sing

Not need to have. It depends. I not have money in the bank and still already many years a extension of stay based om retirement. Nothing new.

Read the financial requirements!!!
Willem ****
@Terary *********
Both 1900 baht as a DIY.
James ******
@Willem ***
wow and I thought you had to have money in the bank. This is something new.
Jordi ********
@James *****
Depending on what paperwork you need, if stuff needs to be legalized, it can add up a bit. But nothing near paying an agent for anything. Just be prepared for a couple of trips to immigration since it is never okay the first time.
Gregory *******
@Terary *********
do it yourself need a friend who can speak Thai and you can do .
Brenton ******
@Gregory ******
well you must be marrying a person who can speak Thai
Willem ****
@Gregory ******
No need a friend who speaks Thai. Just DIY
Michael ******
Either one has its benefits. Marriage is cheaper but more paperwork involved. Retired visa not dependent on spouse but need to leave twice the money in the bank.
Ludwig ***********
@Michael *****
Marriage gives the possibility to work, retirement doesn’t.
Brandon ************
@Michael *****
All extensions are 1900 baht. Neither one is cheaper.
Kool *******
@Brandon ***********
the type O based on Thai wife does have cheaper financial requirements.
Lyndon ************
@Brandon ***********
yes, if you completely ignore the money stuck in the bank.
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