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What are the alternatives to meet the financial requirements for a retirement visa in Thailand?

Retirement VisaThai Visa RequirementsFinancial RequirementsVisa AgentsNon-O VisaImmigration in ThailandVisa AlternativesMarrying a Thai NationalEducation VisaEconomic Challenges for Expats
Feb 5, 2024
10 months ago
Rikki ********
ORIGINAL POSTER
What do I need to do to get a retirement visa when I don't meet the money requirements..... Anyone?
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TLDR : Answer Summary
Many expats looking to secure a retirement visa in Thailand find the financial requirements challenging, particularly the need to have 800,000 THB (or the equivalent in pension income). Comments suggest various options including getting the necessary funds via a visa agent, marrying a Thai national (which reduces the financial requirement to 400,000 THB), or considering other visa types like student visas or non-O visas based on marriage. While agents are an option, their use raises concerns about legality and accountability. Discussions also cover the importance of holding the funds in a Thai bank account or a foreign account, and the importance of long-term financial planning for living in Thailand.
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.
Pertti *************
Buy company and get non b and wp. When you have enough in bank account rest of your life then you can retire like others🌴🍹
9 months ago
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John ********
Aint going to happen
9 months ago
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Ric ****
A Job...
9 months ago
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Mike *******
Can I extend my 30 day VOA for 30 more days? Which is better Chaing Mai or Chaing Rai?
10 months ago
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Graham ******
@Mike ******
 You mean Visa Exempt 30 day entry which can be extended just once for 1900B at the Immigration Office serving the area where you are and have a TM30 registered.
10 months ago
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Frances ********
@Graham *****
 just once? I thought twice if by land border and unlimited if by airports. (Although IO not thrilled to see too many border runs in order to get another extension) but did that change? Just one now?
10 months ago
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Graham ******
@Frances *******
 The once is the Tourism Extension per entry stamp
10 months ago
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Graham ******
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Mike *******
whats a TM 30?
10 months ago
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Graham ******
@Mike ******
 Registration of a foreigner staying - completed by the hotel or landlord
10 months ago
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Graham ******
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Joe ******
Don't use an agent if you want to stay in Thailand seriously. If any law changes or agents are abolished you will not be able to renew, and will have to leave. Best to just save up and have peace of mind if you really want to live in Thailand.
10 months ago
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Alma ***************
Joe Mann best advice !
10 months ago
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David ********
Joe Mann I use an agent have way over 800k Thai baht in Thai bank account get over £6k a month from uk plus’s uk savings property etc etc

the reason I do is it’s so easy no waiting outside immigration for hours all loaded in like cattle it’s quick visit to bank for statement in immigration mins residents cert 90 day n renewal visa and multi entry stamp it’s all about time 🤙
10 months ago
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Steve **********
@David *******
 You're not waiting in line, you're simply participating in the system.

What else do you have to do ?
9 months ago
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David ********
555 I’m still physically fit not at your stage in life yet so lots
9 months ago
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David ********
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Joe ******
@David *******
 we are talking about if you don't have the financial requirements and use an agent to bypass the laws
10 months ago
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Joe ******
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Jan ******************
@Rikki *******
 you could use a combination of income and money in your bank account, but in total it has to be 800K a year.
10 months ago
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Rikki ********
ORIGINAL POSTER
Thanks Jan
10 months ago
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Rikki ********
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VaiAna **********
Go thru an agent . If you don't have one , I know of one that I used in Bangkok .
10 months ago
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Michael *******
10 months ago
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Wyn **********
Just ignore the negative lot go to a well known agent pay around
*****
for OA or
*****
for O and enjoy your life in Thailand.
10 months ago
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Doug *********
@Wyn *********
 in other words, throw common sense to the winds, and give your money to some scamster.🙄🙄
10 months ago
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Wyn **********
@Doug ********
 Ye or throw it in a scammy bank to rot.
10 months ago
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Graham ******
@Wyn *********
 It will not rot in the 14 months you need to maintain a balance of 800k initially and 400k for the completion of your first 12 months extension
10 months ago
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Graham ******
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Wallace ******
How do I commit a crime and announce it on Facebook?
10 months ago
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John ********
@Adonis **********
 The marriage visa gives you twelve months the same as the retirement visa extension. Both are non immigrant 'O' visa, but one is based on marriage, the other one retirement.
10 months ago
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Johnny *********
If you are retired and get pension then you can get visa if you get
*****
0 year after tax. You need confirm from your ambassador. As long account and pension together is. 800 it’s enough
10 months ago
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John ********
@Johnny ********
 Surprising Johnny how many are unaware that you can use a combination of Net pension plus money in Thai bank account together as you point out that come to 800k.
10 months ago
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Johnny *********
@John *******
 you can find it under information from thai government but it must be payment to your Thai account after tax and you must have your ambassador to confirm and translated of course
10 months ago
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Jeff *******
@Johnny ********
 ambassador? lol which country?
7 months ago
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Jeff *******
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David ********
Boys town moonlight
10 months ago
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Ellwood **************
Oh I see - the Thais really play it straight !
10 months ago
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Doug *********
@Ell****
 Foreigners are more vulnerable to extortion. Why would any Farang want to get in that sewer?
10 months ago
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John ********
@Doug ********
 Bit naive Doug me thinks. There are from what I have been told many farangs who use visa agents and have done for years.
10 months ago
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Doug *********
@Jo**
 “from what [you] you have been told…”? I have lived and worked here since 1998, and since that time I’ve seen many foreigners who were scammed or extorted by visa agents and unscrupulous local lawyers. Just finished a trial against one.Naïve to think there’s no risk in using these people. It’s highly risky.
10 months ago
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Doug *********
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Doug *********
Stay compliant in Thailand. Foreigners often get into serious trouble then they try to use "short cuts" with dodgy agents and local lawyers. Can't complain to anyone when that happens. Play it straight.
10 months ago
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Alma ***************
@Doug ********
 and this is where rules apply to be followed just like I said..but others think otherwise..
10 months ago
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Alma ***************
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Bernie **********
Get some more money
10 months ago
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Patrick ********
An agent can facilitate everything at a cost..
10 months ago
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Doug *********
Visa agents are unaccoutable and often pay bribes. Use someone legit.
10 months ago
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AxMdob *******
Go malaysia 3 month Philippines 3 month thailand 6 month no need visa , and have chance to see different culture
10 months ago
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Jo**
@AxMdob ******
 depending on your luck or the immi officer's mood. After a few times, Malaysia immigration might just give 7 days or even less or deny entry. A German buddy is facing that at each visa run.
9 months ago
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Jo**
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Khanitcha ****************
Can do
10 months ago
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Todd *********
@THAI *****************************
 has your answers. You don’t need to do anything but pay the fee
10 months ago
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Malcolm *******
Agent is your only option mate .
10 months ago
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Don *********
If THB800k or THB65k per month is an issue I suggest you would struggle to find a decent quality of life here…
10 months ago
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Jim ***********
Pay agent 40k
10 months ago
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Sue **********
you cannot stay in Thailand then for more than 60 days like a tourist. Either apply for tourist visa 60 days and extend it at immigration or with a 30 day visa exempt and extend it 30 days.
10 months ago
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BioNycc *****
I have the 800k baht and I’m retired and I’m only 41.

There’s no way around it other than do border runs for 9 years?!😂😂😂
10 months ago
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Steve **********
@BioNycc ****
 tough being 'young', eh.
10 months ago
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BioNycc *****
@Steve *********
 Hardest thing I’ve ever done 😝
10 months ago
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Steve **********
@BioNycc ****
 It gets easier as you age
10 months ago
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BioNycc *****
@Steve *********
 Life gets easier… but let’s talk about the aches and pains in the morning! 😂😂
10 months ago
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Steve **********
@BioNycc ****
 by morning, with age. You usually forget the pain from the night before.

Often you forget the night before !
10 months ago
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Steve **********
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Kim **********
@BioNycc ****
 Add another 100K Baht and go for the 5-year Elite Visa
10 months ago
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BioNycc *****
@Kim *********
 researching it now. Thank you!
10 months ago
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Kim **********
@BioNycc ****
 You are welcome. Good luck
10 months ago
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Kim **********
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Rene ******
@BioNycc ****
 elite visa?
10 months ago
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Why****
And for those playing at home an FPV type visa is.... ?
10 months ago
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BioNycc *****
@Why****
 I don’t think there’s an FPV Visa 😂

That’s my Pilot name so it’s what I go by on social media.
10 months ago
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BioNycc *****
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BioNycc *****
@Rene *****
 I haven’t looked into that.

Is there an age restriction?
10 months ago
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Duncan **********
@BioNycc ****
 no age restriction. I got one as moved here in my 40's and wasn't married so it was the best practical option. The price has more than doubled though now for them compared to what I paid 4.5 years ago
10 months ago
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Rene ******
@BioNycc ****
 no idea, dont think so
10 months ago
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Rene ******
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Jo **********
you needa da moneya
10 months ago
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Kool *******
You use an agency, that in this case technically acts as a loan shark, loaning you the money at an interest rate. Loan sharks are legal, and that is what agencies that do this fall under.
10 months ago
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Jeff *******
@Kool ******
 and the 3 month seasoning that doesn't happen? Seriously that was the worst bit of advice I've read for a while in a sea of shit advice on here.
7 months ago
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Joe *********
@Kool ******
 loan sharing is legal?
10 months ago
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Kool *******
@Joe ********
 yes, as long as their interest charge does not exceed the legal limit. Think about the interest charged by a credit card as the max, about 28+%. Loan sharking is big business.
10 months ago
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Kool *******
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Ricky ******
Go Fund Me?🤔
10 months ago
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Damo ***********
@Ricky *****
 absolutely 100% GFM candidate. Most likely can not afford insurance, nor will attempt to take it out. The time he will realise he should have taken out insurance is when he is all banged up in hospital, and the doctor's are more concerned with him being able to pay before looking at or trying to heal his busted body... hence the GFM.. which I will take note of his name, so I can ignore it.
10 months ago
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Stephan ***********
@Ricky *****
 Good one... made my day... 🤣
10 months ago
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Stephan ***********
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David *****
Don't bother
10 months ago
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Frank **********
Can you even afford to retire here? If so an agent can help you.
10 months ago
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Gray ******
Get married, or go to college
10 months ago
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AxMdob *******
@Gray *****
 also better the student visa it will save you a lot of money and paracetamol
10 months ago
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Ann ************
@AxMdob ******
 no education visa over 50
10 months ago
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Gray ******
@Ann ***********
 Cite a source with an age limit of 50.
10 months ago
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Ann ************
@Gray *****
 i live here …. I tried to get in on education visa first but was told you cannot if you are over 50
10 months ago
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Gray ******
@Ann ***********
 I went to college with some people over 50.
10 months ago
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Ann ************
@Gray *****
 the language school and the visa office both told me no.

Im only going on experience
10 months ago
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Gray ******
@Ann ***********
 I sat in real college classes with people over fifty on education visas, issued directly from immigration.
10 months ago
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Gray ******
@Ann ***********
 visa office, do you mean immigration?
10 months ago
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Ann ************
@Gray *****
 my experience doesn’t count then i guess??
10 months ago
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Gray ******
@Ann ***********
**********************************************************************
10 months ago
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Ann ************
@Gray *****
 yep that’s for usa people
10 months ago
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Gray ******
@Ann ***********
 Look for the requirements from the country you will apply from, the requirements will not be much different.
10 months ago
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Ann ************
@Gray *****
 i did …. Thats why i came on a retirement visa instead
10 months ago
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Gray ******
@Ann ***********
***************************************************************************************


Australian Thai embassy does not have an age restriction
10 months ago
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Gray ******
Just trying to help, I’m out!
10 months ago
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Gray ******
@Ann ***********
 Then my experience doesn’t count either.

Look in the immigration regulations.
10 months ago
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AxMdob *******
@Gray *****
 thank this definitively change my plan
10 months ago
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Gray ******
@AxMdob ******
 A real college is a great option for 4-6 years of a visa, some include health insurance in the tuition.
10 months ago
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Gray ******
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De *******************
Stay away from this country, nothing to do or to see here !
10 months ago
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Steve **********
@De ******************
 Aren't you the guy, asked to leave by Immigration Office.....shame on you.
10 months ago
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Gym *****
@De ******************
 you yourself live here and suggesting others to stay away. double faced oldman
10 months ago
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De *******************
@Guddu *******
 I have my reason !
10 months ago
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De *******************
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Michael *******
@De ******************
 😂😂😂😂🤔🤔 thats not the reply he is looking for!
10 months ago
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Stephan ***********
@Michael ******
 Nope... not at all... 🤣
10 months ago
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De *******************
@Stephan **********
 sorry, i just wished to help 🙏
10 months ago
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Stephan ***********
@De ******************
 All good, mate... no worries... :-)
10 months ago
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Stephan ***********
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Graham *******
you will be paying a lot for that again and again and again.
10 months ago
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Stephan ***********
@Graham ******
 And you'll beeing "on risk" all the time... 😁
10 months ago
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Graham *******
@Stephan **********
 Why am I on risk?
10 months ago
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Stephan ***********
@Graham ******
 What do you think an agent can do if you don't fulfill the requirements? Not too many options, right?
10 months ago
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Todd *********
@Stephan **********
 lol. What? The agent will sort that out. Where have you been?!? Cmon man
10 months ago
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Stephan ***********
@Todd ********
 There's no doubt that the agent will sort it out. Did I say he can't? Nope...
10 months ago
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Todd *********
@Stephan **********
 ‘what do you think the agent can do’ was your question.

Sounded like you don’t know. answer is… the agent can make that go away. Ur welcome
10 months ago
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Stephan ***********
@Todd ********
 I know exactly what the agent can do... and at least one of these options is clearly illegal... the other one halfways. But looks like Graham don't see any risk in this... that's why I want him to think about ("...what do you think..."). I'm stupid, but not that stupid... 😎😏😀🤣
10 months ago
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Graham *******
@Stephan **********
 I can fulfil the requirements. I will do my first renewal in June. Usually, Maga trash who cannot find the money.
10 months ago
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Graham *******
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Paul ********
Talk to Thai Visa
@THAI *****************************
10 months ago
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Damo ***********
Stay where you are and just ‘visit’ Thailand on tourist visa
10 months ago
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Steve *******
marry a rich women.
10 months ago
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Bryce *******
@Steve ******
 That conflicts with the man's role of being a provider. Yep, I'm old and old fashioned.
10 months ago
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Steve *******
@Bryce ******
 "What do I need to do to get a retirement visa when I don't meet the money requirements".....it was a joke. Don't get so old that you lose your sense of humour.
10 months ago
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Bryce *******
@Steve ******
 Everything's a joke to you gosh darn kids! And get off my lawn!
10 months ago
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Steve *******
@Bryce ******
 ill be 70 this year.💀
10 months ago
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Bryce *******
@Steve ******
 That excellent woman in the pic with you will keep you healthy for a goodly number of years. I'm counting on my Thai woman to do same for me.
10 months ago
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Bryce *******
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Why****
NO NO NO... do not do this, it makes the situation worse because she is well educated and well informed and well connected, you will enhance the headache 🤦
10 months ago
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Jo**
@Why****
 what about him marrying a rich, over80yr old illiterate widow in Isan?
9 months ago
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Steve *******
@Why****
 -- great name: WhyKnot? BeakOz...
10 months ago
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Steve *******
@Why****
 never said it was the best option...just the easiest for the 1st little while - then you give up/lose your gonads.
10 months ago
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Steve *******
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Alma ***************
Isn't it that's why there are requirements to follow to qualify?
10 months ago
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Alma ***************
@David *******
 which mask?
10 months ago
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Todd *********
@Alma **************
 that’s for people who love rules. Keeps them in line and makes them feel like they are still in their shitty home country. It’s great
10 months ago
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Joe ******
@Todd ********
 silly excuse 🤣
10 months ago
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Alma ***************
@Todd ********
 don't we all need rules to abide?
10 months ago
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Todd *********
@Alma **************
 no
10 months ago
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Todd *********
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Beverly **********
The 800K baht is non-negotiable.

Either in country or abroad, some kind of bank account.

If abroad, you follow the guidelines for an O-A retirement visa...having those funds in your account in the US or the UK or Australia or Germany or wherever.

If within the country, the funds will need to be in a Thai bank account.

Or if you are married to a Thai, then the money is half the 800K baht or 400k and you do the visa for that status.
10 months ago
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Neal *******
@Beverly *********
 Am I correct that for O-A the 800k in a bank account in the applicant’s home country only needs to be there for a specific length of time prior to the visa application and can be withdrawn after the visa is issued? OP could borrow and return the money???
9 months ago
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Steve **********
@Beverly *********
Or retirement income, pension, Soc Sec, etc wired to your Thai account monthly, in excess of 65,000 baht

shown as FTT. ( foreign transfer ).
10 months ago
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Rick *********
@Beverly *********
 I see a variety of guidances on this. If applying in the home country, can the bank account with the money be in the home country, or does it have to be in a thai bank account? The info on the Embassy site in Washing DC is not clear at all.
10 months ago
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Beverly **********
@Rick ********
 I used the OA Retirement Visa using funds in my IRA in America. There are many additional requirements for the OA, some hoops to jump through, including insurance, health forms, bank statements and letter from the bank, and FBI fingerprint and background clearance. Once I moved to Thailand, I opened two bank accounts and since moving back to America, I'm sending money into those accounts fairly regularly. I'll be able to use the Thailand banks statements when I move back to Thailand in a few years
10 months ago
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Bryce *******
@Beverly *********
 thumbs up for thoughtful, legit response.
10 months ago
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Rick *********
@Beverly *********
 Huge help, thanks. That is exactly what I want to do! cheers
10 months ago
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Rick *********
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Adonis ***********
@Beverly *********
 Just Clarifing your Advice,if you are Married to a Thai National,you only require 400,000 baht in your Thai Bank Account,for a Retirement Visa,.Is this what you are Informing us,cheers
10 months ago
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John ********
@Adonis **********
 No that is for a marriage visa. If you want a retirement visa extension you need either 800,000 THB in a Thai bank account in your name. Or 65,000 a month pension paid into your Thai bank and proof it's a pension. Or a combination of pension plus money in your Thai bank account that is equal to 800,000 per annum. So if you have 400,000 pension, then you only need 400,000 thb in your Thai bank and proof for any of these scenarios that the money comes from outside Thailand. Other than this, as some have suggested as long as your over 50 and have some sort of income then agents can sort it for you.
10 months ago
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Adonis ***********
@John *******
 Thanks for your Feedback,as i will soon be Marrying Leagally My Thai Partner of 4 Years,I'll be Definatly be looking at a,Spouse Visa.
10 months ago
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Adonis ***********
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John *********
@Adonis **********
 yes, Non-O marriage visa requires only B400k.
10 months ago
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Steven ***************
@Adonis **********
 No. That's the financial requirement for a spouse visa for a foreign husband/ thai wife. Foreign wife/ thai husband is 0 baht. Don't ask me why.
10 months ago
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Stephan ***********
@Steven **************
 I don't even understand why you need as a single 800k, but only 400k after you married a complete family... 🤣

For the 0 baht... maybe because the Thai men are well known as good "caretaker"? 🤔🙄😁
10 months ago
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Steven ***************
@Stephan **********
 . You can work on a spouse visa( with permit). You can't on a retirement visa. Also need to be 50+ for retirement visa. Good luck finding work here as a 50+ foreigner nowadays.
10 months ago
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Steven ***************
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Stephan ***********
@Adonis **********
 No... then it's not Non-O "based on retirement" anymore, then it's Non-O "based on marriage". Different kind of visa, different requirements. For a "retirement" you will always need the 800k or the 65k/month.
10 months ago
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Stephan ***********
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Victor *********
What’s the age of retirement visa
10 months ago
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Beverly **********
@Victor ********
 Age 50 and beyond.
10 months ago
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Beverly **********
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Carlein *******
Go to an agent
10 months ago
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Jim *********
visa agent will sort you out.
10 months ago
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Jeffrey ************
Save up...
10 months ago
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Janet ********
@Jeffrey ***********
 sad reply
10 months ago
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Matthew *******
@Janet *******
 how is being truthful sad ?
9 months ago
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Joe ******
@Janet *******
 you need money for a retirement visa, if he doesn't have it, saving up is the only option.
10 months ago
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Ady ******
Joe Mann you talk some shite
9 months ago
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Joe ******
@Ady *****
 you talk like you have shite all 🤣
9 months ago
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Joe ******
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Jeffrey ************
@Janet *******
 But true.......
10 months ago
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Reply to
Jeffrey ************
Reply
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102 comments
5 months ago
What are the current financial requirements for expats on a Thai marriage visa or retirement visa?
81 comments
5 months ago
How can I open a Thai bank account without a retirement visa?
95 comments
9 months ago
What are the financial requirements for obtaining a retirement or marriage visa in Thailand as an expat married to a Thai national?
54 comments
10 months ago
What are the financial requirements for obtaining a marriage visa in Thailand?
13 comments
a year ago
How do Thai visa agents assist individuals without the required 800,000 for a retirement visa?
159 comments
a year ago
What are the financial requirements for a Thailand retirement visa, specifically for the Non-O and Non-OA visa categories?
38 comments
a year ago
What are the alternatives to obtaining a marriage visa in Thailand without having 400,000 THB in the bank?
141 comments
2 years ago
What are the requirements for obtaining a Non-O Retirement Visa in Thailand, and can I use monthly transfers instead of a lump sum?
32 comments
2 years ago
Is it possible to obtain a retirement or marriage visa in Thailand without meeting the bank deposit requirements?
58 comments
2 years ago
What are the financial requirements for a retirement visa in Thailand versus a marriage-based visa?
13 comments
2 years ago
What agency should I use to obtain a retirement visa for Thailand without directly depositing 800,000 THB?
36 comments
2 years ago
Do I need to cash my pension to apply for a retirement visa in Thailand?
6 comments
4 years ago
What is the best visa option for obtaining a retirement visa in Thailand while ensuring the necessary funds are maintained in a Thai bank account?
44 comments
4 years ago
Is there a way to apply for a marriage visa in Thailand without having 400,000 baht in a bank account?
66 comments
4 years ago
What are the financial requirements for obtaining a Thai retirement visa?
88 comments
4 years ago
What are the best visa options for marrying and living in Thailand with limited income?
39 comments
6 years ago
What are the current financial requirements for obtaining a Retirement Visa in Thailand?
18 comments
6 years ago
How do the income and bank balance requirements for visa extensions in Thailand based on retirement and marriage work?
20 comments
6 years ago
Can one get a retirement visa in Thailand without showing 800k baht in a bank account?
16 comments
7 years ago
What are the requirements for applying for a retirement visa in Thailand without a monthly income?
13 comments
7 years ago
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