What are my options for obtaining a long-term visa in Thailand as a tourist planning to retire?

Sep 23, 2024
2 months ago
Sachuwat *******
ORIGINAL POSTER
hello

i’d love some advice

i’ve come on a tourist visa but would like to live here . i’m 58 and i can manage the 800,000b that i’ve heard of

i also have passive income more than 800,000b a year which seems to negate my need for a bank balance ?! according to the form i read

i’m wondering if it’s best to go to an immigration office and discuss my situation / options with them directly or is a 3rd party better ( agent ?) . if i go it will be with thai people , not alone

thankyou //
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TLDR : Answer Summary
The user, currently on a tourist visa in Thailand, is seeking advice on transitioning to a retirement visa (Non-O). They confirm they can manage the financial requirement of 800,000 THB and have passive income exceeding that amount. The conversation discusses the best approach to navigate immigration processes—whether to visit the immigration office directly or to hire a visa agent. Most commenters advise going to immigration personally to gather required documents and forms, discussing the possibility of opening a Thai bank account, which some note can be challenging on a tourist visa. The importance of properly understanding financial requirements for the retirement visa is emphasized, specifying that proof of income alone may not suffice without the bank deposit for the first year.
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.
Pornpatcharanan *************
Non o multiple Retirement visa frist year 15 month easy the most sheap of longturm visa
Steven ********
Immigration will love you with that money. You’ll still have to return to them a few times for extra paperwork. First thing to do is get a bank account with The 800,000 K in it for at least a couple of months prior to applying. Agents are crooks
Urbanbee *******
We have a lawyer and Visa team we will do for you at a reasonable price
Vince *********
Deafanatly avoid knight visa in pattaya or Bangkok look at the reviews
Upasaka ********
No problem you can just apply for a retirement visa because you have the correct amount of money.

I would suggest you go online to the thai embassy website and apply for a retirement visa and it will tell you all of the documents you need to get together. You need to submit the documents and wait for your appointment at the embassy and if they need anything more from you, that can be done at a later date.

A lot of people do not use agents!
ฉันเป็นทางของประชาชน *********
Seems you’re well off. Go with an agent 👌🏽
Marty ********
yes but you might want to read the information on the Thailand Immigration website plus many people mention the 800,000 THB bank balance which must be in the bank for about 3 months prior to visa extension and 3 months after, and NEVER drop below 400,000. I guess many do not read those 2 paragraphs separated by “OR” which is the second option I chose where that 800,000 is not a requirement. I arrived with VISA already as a NON O with another letter I do not remember but the important point here is with that VISA, which they call a “retirement visa” my THB DEPOSIT requirement was for a minimum of 65,000 THB INTERNATIONALLY TRANSFERRED to my THAI BANK ACCOUNT MONTHLY, and there is no restriction for BALANCE. If you decide to marry a Thai woman, then after all of that process that amount drops to 54,000 THB per month. What I believe also is a requirement is those money sources in your country must be PENSIONS, not savings or income. Sorry, it has been 4 years and these rules are still in existence. So PENSION MONEY SOURCE, and 65,000 THB PER MONTH on that type of VISA. Yes, talk with Thai Immigration for any updates.
Kool *******
It depends on your passport country in whether you can use the income method, as not all embassies issue income affidavits anymore. Because of this bt800,000+ is needed in your personal Thai bank account at least for the full first year. 2 months before, and three months after your first year extension then after those three months the bank balance can never drop below bt400,000+.
Kevin ********
Go to a visa specialist i did and they sorted everything out for me. Cost me thirty seven thousand 500 hundred baht for everything and i do mean everything.
Sachuwat *******
ORIGINAL POSTER
@Kevin *******
who would you recommend ?
Kevin ********
They did all the paperwork took me to the bank imagration office all in a taxi no extra costs.
Sachuwat *******
ORIGINAL POSTER
@Kevin *******
who ? what company ??
Kevin ********
@Sachuwat ******
this lucky s phone number 66
*****
1365.mobile number is 081
*****
67
Kevin ********
Sachuwat *******
ORIGINAL POSTER
@Kevin *******
who is that ?

do u have a recommendation ?

thanks
Frank ******
Do it yourself and save few hundred dollars for hand holding
James *********
@Frank *****
If he simply needs to open a bank account, I've seen people write that some agents will assist with that only, and for 2,000 - 5000 baht 🙏
Christopher *************
Use,the Thai visa centre
Eric ******
If you plan to go back home before permanently moving here, it is extremely easy to get a Non O 90 day Visa on the Thai EVisa site. Then you can come back and it will be much simpler to get everything done. If you're not going back home, you just choose between paying for stress free or fumbling through figuring it out doing it yourself. You'll be able to get it done either way.

If you haven't been here long, you may want to give it some time. I came over for a few months last year, and a few more this year, and with the new regs and prices seemingly going up, it might be nice for a few 60+30 day exemptions, but now I'm not sold on moving here permanently...at least until I see what the surrounding countries have to offer. Good luck!
John *******
@Eric *****
Interesting comment you made about not being sold on moving permanently to Thailand. I lived there for ten years and the last few years living there got a bit disappointed at some things that were happening in the country. Anyway moved back to my own country a few years ago and now only visit Thailand a couple of times a year and also visit Vietnam where I am now considering as another place to retire to. My plan is to go and stay in Vietnam for a few months and get the lay of the land before making a decision whether to relocate again.
Eric ******
@John ******
I was thinking Thinking of visiting Vietnam and Phillipines in the next few months and see what they are like. To me it's like what Niagra Falls and Las Vegas started out as many many years ago, just fun places with decent prices to lure tourists and lots of stuff to do. People were friendly and welcoming. Now, they are just all about the money and how much can they squeeze out of you.
John *******
@Eric *****
A good friend of mine teaches English in the Phillipines, Cebu City for the past five years, he used to teach in Thailand but prefers Phillipines. Also met some Americans in Bangkok last year who used to live in Thailand but now all live in the Phillipines, not as expensive, less hassle with visas, cheaper than Thailand and better English.So a lot to consider, good luck.
Eric ******
@John ******
add in more western food choices, and my thoughts exactly.
David ********
You say you can manage the 800,000baht deposit, but you don't say if you have a bank account in Thailand. If not, you could have a problem finding a bank that will set up an account if you are on a tourist visa.
James *********
Go get the list of requirements from the Immigration office, then come back here to get answers if you have questions.
Sachuwat *******
ORIGINAL POSTER
@James ********
can i set up a bank account on a tourist visa to t/f the money

if not do you know what are my options please ?
James *********
@Sachuwat ******
I don't know as I applied and got visa in my country, though I've read a lot in this group and the consensus seems to be it's near impossible to open an account now on a tourist visa. I've also read that a good agent can open one with you for a few thousand baht. Maybe you can ask on a new post for recommendations for a reliable agent to help you 🙏
Brian ********
Maybe you can phone this agent just for advice and cost
Terary **********
I use agents frequently and recommend avoiding them if possible. They are great if you need them. Immigration can be a pain, it depends on where you are and the immigration office that serves the area. Agents make it easier but often times when you have a passport riddled with questionable visas, immigration will demand bribes (its an odd sort of demand).

However, in your situation, if you prefer to use the passive income method you will need to show 65K+ being deposited into a Thai bank account wholly controlled by you, over the course of a year. I suspect you do not have that requirement. Also, I believe the 800K method requires the money to be in the bank account for a couple of months before you apply for the visa.

You're best option may be to make a plan. Get a new tourist visa (or whatever), then execute your plan, and do whatever the next next time you need a visa
Sachuwat *******
ORIGINAL POSTER
@Terary *********
i think i agree
Graham ******
@Terary *********
You cannot use the 65k transfer method for the first year (initial Visa and 12 month extension) and the 800k only needs to be seasoned for the initial Visa at Jomtien Immigration, the seasoning is for the 12 month extension.
Terary **********
I didn't know you couldn't use 65K for the first year? Is that a rule? or the policy of some immigration office? I ask because I am about to try.
Henrik *****
Would never use a agent, want to have full control myself, and not dependant on others, especialy those that cost money.
Larry *******
I thought you had to apply for a visa in your home country then fly to Thailand and start the process
Graham ******
@Larry ******
Getting your Visa before arriving in Thailand makes the process a lot easier but you can get a Non-O in Thailand when you have a Thai bank account which is a real problem without the required long-term Visa (such as a Non-O).
Larry *******
@Graham *****
cheers pal i will get the Non~O based on my marriage to a Thai (14)) years i will apply to the Thai Embassy London
Graham ******
@Larry ******
If you were married in the UK you need to get it verified before going to Thailand as this will be required for your 12 month extension. The first step is get a certified copy if a British marriage certificate it is handled in Milton Keynes.

************************************************************
*****
-legalisation...

Legalisation - Royal Thai Embassy, London

LONDON.THAIEMBASSY.ORG

Legalisation - Royal Thai Embassy, London
Larry *******
@Graham *****
Married in Bangkok 14 years ago got the 2 Thai certs plus the affirmation to marry from Brit Embassy Bangkok
Kevin ******
@La***
... we should have had another meeting to discuss this matter. Get your Retirement Visa in Thailand. PM me if you need more info
Larry *******
@Kevin *****
Cheers pal it gets more confusing every month i was under the impression you apply Thai embassy London take to LOS and start the process
Kevin ******
@La***
... talk soon
Rini *********
But when you do it yourself they ask for the TM30 document. So you have to hire first a appartement? If i am right?
Graham ******
@Rini ********
You do need a TM30 and wherever you are staying in Thailand be it an apartment, hotel, guest house or private house they are all required by law to provide one (within 254 hours of arrival). Many don't (especially airbnb) so the simple solution is to check in at a cheap hotel for one and get the TM30 from there and use that the following day at Immigration.
Sachuwat *******
ORIGINAL POSTER
@Rini ********
see below

i live with friends who have registered me with immigration
Henrik *****
Every houseowner have to make the TM30 within 24 hours, when a foreigner moves in.
Sachuwat *******
ORIGINAL POSTER
@Henrik ****
i live with friends and they have already filled out the appropriate forms
Paul *******
First step is to open an account with a Thai bank and deposit 800,000 thb, Have you done that?
Sachuwat *******
ORIGINAL POSTER
@Paul ******
not yet

and i was concerned about how

but i read the form and it says 800,000b or income more than 800,000b/year

i csn do both so i’m hoping a copy of my monthly earnings ( passive ) for the year may be sufficient

?!
Nigel ********
@Sachuwat ******
If you do it legally, you must have 800k. In the bank to start. Once you start using an agent , you probably will not be able to get away from them Go to immigration and get a Certificate of residents. Then take it to Bangkok bank and tell them you'll take out their insurance. It's about 5K.
Henrik *****
From most countrys you can’t use the 65.000 Baht monthly, until 2. year, with evidence of 12 monthly transfers.
Paul *******
@Sachuwat ******
You will still require a Thai bank account to show your monthly payments.
Rob **********
Most immigration offices will give you a hand out which outlines the visa requirements for that particular office. Go there and ask them, it is a fairly easy process to do yourself, if you are organized and meet all of the requirements.
Graham *******
Most of us use agents, I am in Pattaya and I use a Thai lady and her British husband. Give consideration to the new Thai income tax situation.
Stuart ***********
You might need an agent to help open a bank account as you don't have a long term visa currently.

After your account is open the process is very simple.

1. Transfer 800,000 into your new bank account (if using Wise use the buying a house option, as it shows as an international transfer).

2. Go to your immigration office and ask for a handout showing what documents you need to apply for a non o retirement visa. Then get your documents together and apply. There's a simple form to complete, maybe 15 questions.

3. After you have the non o retirement visa and your 800,000 baht has been in your account for 2 months, go back to immigration and ask for a handout showing what documents are required to apply for a 12 month extension of stay. When you have got your documents prepared go to the bank in the morning for the evidence of the 800,000 immigration will request (letter/updated passbook/statement) and then go to immigration to apply. There's a form to complete 1 page and about 15 simple questions (name, address, passport number, date of arrival etc). 1 passport photo, copies of everything and 1,900 baht to pay.

I extended mine again 2 weeks ago and was in and out within 30 minutes with another 12 month stamp. Good luck.
Gerrytrung ******
@Stuart **********
May I know the address is it our Thailand address? Thanks
Stuart ***********
@Gerrytrung *****
yes. Look on Google for the Thai immigration office closest to your home in Thailand.
Gerrytrung ******
Nigel ********
@Stuart **********
If you can afford to after you put your 800 in to start with put 65 K in every month. Straight away ready for the next year. You can switch to monthly payment strait away then on year 2 and you could also withdraw all your money. The 65 k you can spend every month anyway
Stuart ***********
@Nigel *******
yes that's correct, although I think some immigration offices don't like this method, so it's worth checking with the one you use.
Kace *******
@Stuart **********
doesn’t the 800 ktb have to be in 12 monthly installments?
Nongnuch ********
@Kace ******
You are confusing two essential requirement methods:

***you can fulfill the financial requirement by holding a deposit of minimum 800.000.- THB in your Thai bank account.

On the day of application, it has to have seasoned for two months.

After having been issued the “1-year extension of stay permit”, a minimum of 800K need to be maintained for three more months. After that, the deposit cannot go below 400.000.- THB.

And two months before the application to the next extension, you need to hold a minimum of 800.000.- THB, again

***if your embassy still issues the “legalized income affidavit”, which states that you earn a minimum of 65.000.- THb monthly, you can use the “income method” to fulfill the financial requirement.

*** in case your embassy does NOT issue an income affidavit any more (USA, UK, AUS), you will need proof of 12 months incoming from abroad consecutive money transfers of a minimum of 65.000.- THB. Month for month, and on the day of application you will need this 12-months bank statement

NOTED:

If you use WISE for the money transfer, make sure it gets coded as coming in from abroad in your Thai bankbook (there was a change recently, and right now this can be accomplished by choosing “for buying property in Thailand” as the reason for the transfer)
Sachuwat *******
ORIGINAL POSTER
@Nongnuch *******
can i ask as i’m not completely clear

if i have financial statements saying i earn more than 800,000b/year

do i still need to deposit 800,000b ?

the immigration forms seems to suggest either / or but not both

thankyou again
Nongnuch ********
@Sachuwat ******
your financial statements were good for using them for the application to the 90-days Non-Imm-O retirement visa in Australia. . . . . . but you CAN'T use these original statements on any Immigration office inside Thailand, for the application to the 1-year extension of stay based on retirement
Sachuwat *******
ORIGINAL POSTER
Nongnuch ********
@Sachuwat ******
I see that you are from Australia, right? This means you CANNOT use the income method in the first year, because your embassy does not issue an income affidavit. You will have to use 800.000 THB on your Thai bank account for the first year. And as soon as you have collected twelve months of consecutive transfers, you can switch to the income method for the application of the second year extension of stay. Only at this moment you can take the 800.000.- THB out of your Thai bank account
Sachuwat *******
ORIGINAL POSTER
Henrik *****
From most countrys you can’t use the 65.000 Baht monthly, until 2. year, with evidence of 12 monthly transfers.
Lisa *********
Is that 800,000 per person or can it be per couple?
Henrik *****
per person.
Nongnuch ********
your option is number 9 click on it!. . . . . but you need to hurry up, open a bank account, transfer the 800K from abroad, apply to the "change" from a tourist visa to a 90-days Non-Imm-O retirement visa. You need a rental contract and you need to have a minimum of 15 days left on your stay permit in order to be allowed to apply for the "change"
*******************************************
Sachuwat *******
ORIGINAL POSTER
@Nongnuch *******
thankyou

this is very helpful
Bob **********
If you got the money do it yourself
Robert ******
Bite the bullet and do it yourself. Go to your local immigration office and ask for the list of required documents and forms for Non O visa based on retirement. Make sure you give yourself enough time. Invariably there will be some problem, misunderstanding or missing information when you go with your completed application. Stay calm and don't expect it to go perfectly the first time. It really is worth learning how to do it yourself, if you're retired you have all the time you need and it is really not difficult once you learn how it works. Using an agent can cause problems further down the line.
Scott *******
Please clarify how using an agent can cause problems. I have not heard anything about that.
Jacques ********
@Robert *****
I agree,
Jeff ********
Go see Mots

Best agent in Pattaya
Brook ********
I was in your shoes a few years ago.

I suggest that you hire an agent the first time, but first insure it’s ok if you can copy all the documents and participate in the process.

This will help you overcome the first application, along with opening a bank account which can be the most challenging.

Then, in the future, you can use your knowledge to renew your visa yourself.

I would strongly encourage you to pursue the Non O visa and annual extensions based on retirement. An agent will charge around ฿12,000 for annual renewals with a multi re-entry permit. I don’t remember what the initial 90 day with an agent costs.

The Non OA is good for only certain circumstances and has additional mandatory Thai insurance requirements.

Good luck.
Scott *********
Just go get the forms. They will have a list of requirements. I have always done myself.

It’s not that hard. Agent just costs money.

14 years I’ve done my own. Never problem.

Just leave plenty of time as they will sure ask for something you don’t have first time.
Dave *******
Talking to an agent is free, maybe talk to several to help get you started?
Andy **********
Immigration officers are only really there to process visas, maybe in a quiet immigration office they may give you a short period of time with some suggestions, but it's ultimately your decision, as to what visa is best for you, do some research as to the most suitable visa, based on age and circumstances, either that or just use a recommended visa agent, that will do the whole process for you, but remember that they are a business, they may not necessarily advise the best visa, but a suitable visa, that they can also make money on getting it issued to you.
Andy **********
Slightly different rules for different immigration offices, it gets confusing at times, I personally have dealt quite a number of times with Jomtien immigration, that's what I must have had in mind, thanks for clearing that up anyway.
Andy **********
I have only really had proper personal experience in Pattaya immigration, which is a nightmare, and also a few quiet rural offices, in Pattaya there are only visa agents willing to help for a fee inside the immigration office. and in rural offices, they only accepted completed paperwork to check, wouldn't really help with any decisions regarding most suitable visa, but I've heard of volunteers in other offices, that help out but they always seem busy, he doesn't actually say which visa he wants, but mentions 800k so it must be the retirement visa he is thinking about.
Sachuwat *******
ORIGINAL POSTER
@Andy *********
yes

the retirement visa seems most appropriate

i’ve even checked the form from immigration . i seem to meet the requirements but i’m sure there will be some problems i’ll need to be patient with

is opening a thai account a difficult thing

if depositing money is a pre requisite it seems i’ll need one ?
Andy **********
@Sachuwat ******
a lot of people now are saying it's difficult or impossible to open a Thai bank account yourself, on a short-term visa such as a tourist visa, and saying the banks are requesting a long term visa, I think it was some time last year, they tightened up a lot of the rules and regulations regarding bank accounts, you could always try a few banks first, if it's to difficult, an agent in places like Pattaya, can assist you for around ฿4000, yes you will need a Thai account if you plan on staying full time in Thailand, I think the ฿800k needs to be seasoned for two months in a Thai account before you apply.
Graham ******
@Andy *********
The 800k only needs to be seasoned for the 12 month extension, not for the initial Non-O (unless you apply at Jomtien which needs seasoned funds for both).
Dave **********
@Andy *********
That's not the way it goes down here in Chiangmai, there are volunteers that coach you every step of the way. Also immigration officers everywhere will check your application and turn you away,telling you what you need. 😉
Philip ***********
@Dave *********
I think that's almost every where like that
Dave **********
@Philip **********
I'll never understand the dudes that go to agents. Or lawyers.
Philip ***********
@Dave *********
me neither Or you should have to be so busy ( but guess then you need a B visa 😜 ) .. or ... 😁
John **********
Most immigration offices have handouts informing you what their requirements are to issue you with an in country 90 day Non-O visa and also for the 12 months extension from that visa. Much better to do it yourself than use an agent
Philip ***********
Yes, you better go to immigration yourself They will tell you what you need to do and give you the application forms
Michael *************
@Philip **********
agreed. They have an English speaker that will help you if you have met all the requirements. It might take multiple visits, be patient.
Sachuwat *******
ORIGINAL POSTER
@Michael ************
i think i may need help setting up a thai account whilst here . i’ll ask at immigration - i’m

quite keen to do everything “properly”

i don’t have my 800,000b in an account because i thought ( the immigration form seems to indicate ) that a documented income of not less than 65,000b/month would be sufficient

i’ve received differing but all quite helpful advice

my plan is to go to immigration with all the requirements , expecting to be turned away once at least to correct something

as long as i get there and it’s all done properly i’ll be ok . it may take some time and i may have to leave the country for a bit

i’m sure i can get some more information at immigration and visa office
Michael *************
@Sachuwat ******
just walking into the bank they may have an issue. Get a certificate of residence, take it to the bank with your 800,000 Thai baht, your 90 visa, 2-3 copies of all the pages that have information on them, a W9 form copies to be safe, if they give you documents in Thai, ask for them to be in English, complete both Thai and English. If you don’t have a Thai friend it would be helpful. You need to have all the documents for the 90 day non-O and retirement visa completed with the same documents above copied. Treat each visa separately but you’re doing them together. Paying for each separately. And expect to only be making an appointment. But be ready to speak to somebody. Each branch may not have someone to open a foreigner account but they will know where to go or be able to create an appointment.
Michael *************
@Sachuwat ******
the agent can help to open the bank account… and it’s actually a good use of an agent if you can’t get an appointment.
John ******
@Philip **********
I agree. You can do uit yourself. If you encounter problems you can not solve you can always try a visa office. Not a lawyer! You do not need legal advice!
Philip ***********
@John *****
if there is money in the Thai bank, I don't see any problems at all.
Sam **********
Contact a visa lawyer
Ken ***********
@Sam *********
hiring a lawyer is an unnecessary expense
Dave **********
@Sam *********
Please don't go to a lawyer. It depends on which immigration office. You go to here in Chiangmai They have volunteers that will coach you on exactly what to do. There.

Are visa facebook groups that will coach you what to do as well.
Tim *********
@Sam *********
terrible advice
Pete *******
@Sam *********
terrible costly advice.
ฉันเป็นทางของประชาชน *********
@Pete ******
he has money. Visa lawyer will ease the process.
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