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What are the bank balance requirements for a non-O retirement visa in Thailand for me and my wife?

Jun 11, 2025
2 days ago
Yoshi **********
ORIGINAL POSTER
My wife and I would like to move to Thailand next year with non-O retirement visa. My understanding for lump sum money that we need to deposit in Thai Bank is 800k + 400k = 1.2 Mil tbh. Is this the same if my wife comes to Thailand a little later than me, say 3 or 4 months later? Or does she have to apply for her visa on her own and we need total of 1.6 million tbh? Another possibility is for her to follow me like 6 months later. If she does that, can we re-use the 800k that I used to get my extension by depositing into a bank account under her name? TIA
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TLDR : Answer Summary
To move to Thailand with a non-O retirement visa, you need to demonstrate a lump sum of 800,000 THB each for both you and your wife, irrespective of when she applies. The required amount must be in each of your accounts for at least two months prior to applying and maintained for the duration of your visa. For a foreign husband and his Thai wife, the requirement changes, but applications for both you and your wife are independent regardless of her travel timeline. You cannot simply reuse the funds in your account for your wife's application.
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.
Konomi **********
現在のリタイアメントビザの申請はEビザでタイに入国して、シラチャヤで銀行口座開設し、リタイアメントビザを申請するしか、方法は無いです、私は10月に申請します、日本の銀行に3ヶ月間の80万バーツ以上保持している証明が要ります、勿論シラチャヤのタイの銀行口座開設するには、80万バーツ以上の残高証明が無いとリタイアメントビザは、夫婦それぞれ取得は、出来ません頻繁にタイ政府の方針は変わります。
Konomi **********
後、タイで申請の場合は保険の加入義務は、ありません。

クレジットカード付帯の障害保険で、医療費はカバー出来ます。
Konomi **********
リタイアメントビザのOビザは、日本の大使館では無く、タイで取得するものです。

私は、タイには何十年行ってます。

今は、毎年チェンマイに一人で1ヶ月滞在しています。

タイに銀行口座がお有りですか?

昔は、簡単にパスポートさえあれば、銀行口座がタイに開設されました。

でも、現在は外国人がタイに銀行口座を開くのは、大変難しいです。

私は、銀行口座を開設しなかったので、今更ですがチェンマイの銀行に去年から、全ての銀行に開設出来ないか、聞いて周りました。

私は、英語には不自由はありません。

海外生活が長いので、最近になって、銀行口座開設がゆるい、パタヤでさえも無理です。

銀行口座が無いと、リタイアメントビザは申請出来ません。

先月迄は、ノービザ入国でパタヤのバンコク銀行だけ開設出来ましたが、中国人の事件等で、ダメになりました。

銀行口座があるか、無いかで条件も変わります。

私の場合は、最後の砦のパタヤでのノービザでの銀行口座開設が今月から不可能になり、エージェントを使って、シラチャヤならまだ2つほど日本人が銀行口座を開設出来ます。

でも、Eビザを取得してタイに入国するしかありません。

先程も申し上げた通り、Eビザを取得する条件も日本及び海外に80万バーツ相当の銀行口座の残高証明とステイトメントが必要です、Eビザは、日本では申請出来ないので、私はパタヤのエージェントに申請して貰い、Eビザが取得出来たら日本に送って貰い、それを持って、タイに入国し、タイの銀行開設、リタイアメントビザ申請をし、タイの銀行口座の80万バーツの残高証明が取れたら、リタイアメントビザ申請となります。

ご夫妻共に必要です。

私の場合は、先に私がリタイアメントビザを取得し、主人は、来年の4月のリタイアメントビザ申請の予定です。

犬🐶も一緒なので、複雑ですから、今月に家探しにチェンマイに行きます。

タイ人の友人や外国人の友達の紹介です。

リタイアメントビザ申請するには、個人では難しいと思います。

日本で申請は、辞めておいてください。

大金が要ります。
Yoshi **********
ORIGINAL POSTER
@Konomi *********
さん、日本のタイ大使館のビザのページを見てみました。おっしゃるように日本の口座にお金があることや、さらに保険の条件があります。大使館によって条件が違うというような事を以前聞いていましたが、まさにそういう事ですね。また余計にややっこしくなりそうです。
Yoshi **********
ORIGINAL POSTER
@Konomi *********
さん、今まで得てきた情報とかなり違うようです。一般に次の方法がおすすめされているようです。まず入国前にNon-Oを取得して、入国後にタイ国内の銀行口座をひらき、80万バーツを海外から送金する。そして2か月保有したのちに1年のエクステンションを申請する。
Kool *******
You are confused. You need bt800,000 lump sum for each of you. The money needs to be in your account for at least two months before you apply, then stay in the account for at least three months after you get your one year extension, then for the rest of the year can never drop below bt400,000. Then needs to be brought back up to bt800,000 at least two months before you apply for your next one year extension. That is the only time bt400,000 is relevant to any retirement extension of stay.
Marty *********
@Kool ******
actually only partially correct. 400,000 can be used for retirement extension if accompanied by proof of sufficient funds coming in to Thai bank account each month.
Kool *******
@Marty ********
not anymore. That option ended before covid.
Marty *********
@Kool ******
nope. I do it every year in CM with no issues.
Yoshi **********
ORIGINAL POSTER
@Kool ******
I also have monthly social security income which is more than 65,000 THB. After I get my one-year extension and kept 800K in my account for additional three months, am I allowed to take that 800K if I can keep records of monthly deposits till the next one-year extension time? Or do I still have to keep 400K? If I am allowed to take 800k out, then I can use that 800K for my wife's first one-year extension when she arrives. We are just a bit tight with the cash next year.
Kool *******
@Yoshi *********
have your social security payment direct deposited to your Thai bank, preferably Bangkok Bank, or Kasikorn Bank. It makes life much easier, and is safe. Set that up as soon as you get your Thai bank
Andy *****
@Kool ******
maybe think about the new tax rules and not just send your income to Thailand. If you financially can, keep you income going into your own countries bank account and transfer drawdown money from previous savings. That way you won’t have to pay Thailand tax
Kool *******
@Andy ****
there is no tax on social security payments for US citizens. That is an exception to any tax in Thailand. And the tax laws you seem to refer to are not new. You are guessing, whereas I've been doing this for over 14 years.
Andy *****
@Kool ******
your pretty condescending aren’t you. I Don’t really want to continue with any further dialogue with you.
Kool *******
@Andy ****
that's good, as you have no clue about what you are trying to talk about, no clue at all.
Kool *******
@Yoshi *********
you need to keep bt400,000 in the account after the three months with bt800,000 in it until you get your next extension based on monthly deposits. After the extension is approved using the monthly deposits method then you can take the bulk money out, but do not make the mistake of closing the account.
Yoshi **********
ORIGINAL POSTER
@Kool ******
thanks for clarifying this to me.
Brandon ************
400,000 is the amount of money a foreign man married to a Thai woman needs to apply for a marriage visa. If your wife is not Thai, then it's 800,000 for each of you, regardless of when she comes.
John ********
@Brandon ***********
Couldn’t she tag onto his Non-O VISA? I believe so.

At least that’s what my Wife does. No need for additional money.
Brandon ************
@John *******
there aren't any embassies that sell trailing spouse visas anymore. And it's not available in Thailand either.
John ********
@Brandon ***********
Okay, never mind then. Do you know when it was stopped in Thailand?
Brandon ************
@John *******
it hasn't been available inside of Thailand for a very long time. People used to go to one of the nearby embassies to get it, but with the new evisa system no embassies sell it anymore.
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