What are the best long-term visa options in Southeast Asia considering tax implications for expats?

Jun 29, 2024
5 months ago
Dave *********
ORIGINAL POSTER
Not a Thai visa question, but definitely everything else :)

I'm looking at longer term visas in the region as a fall back for worst case scenario regarding tax liability in Thailand.

The Philippines looks to be the best option for long stay, no tax unless earning in country plus increases to UK state pension whilst in country.

Cambodia offers retirement long stay, no UK pension increases, not sure on tax yet, not resident under 180 days.

Vietnam only up to 90 days, no pension increase. Hope they extend visas going forward one day. Malaysia similar on 90 days.

Any other options I've missed? Thanks.
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TLDR : Answer Summary
The user is exploring long-term visa options in Southeast Asia, particularly in light of tax liabilities in Thailand. Comments reveal diverse perspectives on countries such as the Philippines, Cambodia, Vietnam, and Malaysia regarding the ease of leasing long-term visas, tax regulations, and living conditions. The Philippine SRRV visa is noted for its benefits, while challenges in Cambodia and Vietnam are discussed. General feelings about living in Thailand amidst proposed changes to tax regulations are mixed, with some expats considering alternatives to avoid tax complications.
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Jeff *******
I doubt if theres a single person in this thread who is aware of the tax allowances you can claim yet the amount of pant wetting is hilarious!
Terary **********
If it comes to it, Bali will be my secondary location.. 90 days x 2, I will find some place to go for a couple of weeks. 90 days TH, 90 days ID, 90 days TH, 90 days ID, some place for a week or two.

I am skeptical the taxation will become a thing. With double taxation treaties in-place, and new or newly enforced taxation just means more paperwork, not necessary more taxes but who want more paperwork either.
Randy ******
I am looking into retirement in BraSil myself. Mild weather. Beautiful beaches. Tasty food. Language not too difficult to learn. And samba!!!!
Michael *******
Portuguese is one of the more challenging European languages - Spanish is easier
Phil ******
@Dave ********
good luck in the Philippines .

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Jarek ************
PH sucks, probably the worse food in Asia and really nothing special about it. I suggest bouncing between TH and VN. While many aren't worried about the tax issue in TH, I suggest for now staying there under 180 days like many others and I are doing to see how things will actually go down.
Randy ******
@Jarek ***********
Pinays are the best lovers in SE Asia. Thais need to learn a thing or two!
Jarek ************
@Randy *****
also most overweight 😂
Michael *******
Excellent diving, golf courses are average…food is dire, and driving skills are atrocious
Jarek ************
@Michael ******
true, some really beautiful beaches and amazing water :)
Georgia **********
Vietnam all the way !!!
Jarek ************
@Georgia *********
not all the way, but yes tons of good things about it. Hopefully soon they will offer retirement visa. For now the 3 month visa works fine and they don't really bother you about back to back visa... Sadly houses, cars, motorbikes are cheaper in TH. Also the driving style is better in TH :)
Chalante *******
Subscribe to the Thai Embassy newsletter. They had all the information in this months letter regarding where to find more information and what has changed in the laws and regulations
Chalante *******
It's Siam Legal.
Terary **********
@Chalante ******
I am curious about this.
Martin ******
@Chalante ******
which embassy / newsletter pls? Google turned up lots.
Steve **********
If you're earning money from a Thai based Company, or your tangable efforts while living here generate income, I believe is where their sights are focused.

No room for semantics once they declare, but they haven't as yet
Peter **********
You could consider Laos also
Jim ********
Those countries are hardly options against Thailand! They're all shitbox countries. How about Panama or Mexico if you're frightened of paying a few baht in tax! 😆
Jeroen **********
Solution is LTR visa
Jeff *******
@Jeroen *********
I would bet less than 5% of expats would qualify
Jeroen **********
@Jeff ******
think.that.also...rgds
Darren *******
Vietnam taxes on worldwide income, exactly the same as what Thailand is proposing. Cambodia too although I understand their whole concept of tax is somewhat strange.
Jarek ************
@Darren ******
I have yet to hear of anyone who doesn't actually work in VN being chased over income tax. Know tons of people who are living there for many years.
Darren *******
@Jarek ***********
I'm just letting the OP know what the rules are for Vietnam.
Dave *********
ORIGINAL POSTER
@Darren ******
Tax issues in Vietnam would be irrelevant if you are only permitted to stay for 90 days?
Darren *******
@Dave ********
yep, same as it would be in Thailand if you stayed there for 90 days.
Jim ******
For those not wanting to pay tax they could become tax nomads and move around the region spending less than 180 days in any country. There is also talk of a Schengen style visa for Asia - spearheaded by Thailand. For anyone wanting more information on Thailand I can point them to an excellent website in Thailand.
Stephen *******
@Jim *****
can you give me that website you've mentioned please Jim
Jim ******
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Stephen *******
@Jim *****
can you
Jim ******
@Stephen ******
www thaiexpattax.com
Stephen *******
@Jim *****
cheers Jim I hope you're well
Jim ********
@Jim *****
Always lots of "talk" in Thailand, very little of which comes to fruition
Dave *********
ORIGINAL POSTER
@Jim *****
I've seen that mentioned. That could also be an option depending on how long you could stay in various countries and out of Thailand if required going forward.
Jim ******
The tax rules are already in place for Thailand. From 1 January 2024 All income earned or remitted to Thailand will be taxable for anyone tax resident in Thailand (living there for 180 days or more in the calendar year). They are considered tax resident in Thailand. The other change that is being talked about is Thai tax residents being taxable on their world-wide income.
Kevin ***********
@Jim *****
I think tax only applies to earnings over and above 150,000 baht/month
Pete *******
@Kevin **********
nope, 150k is your yearly allowance
Nick ************
@Kevin **********
per month or per year?
Kevin ***********
@Nick ***********
hi nick I read somewhere per month
Nick ************
Kevin ***********
Nick ************
@Kevin **********
are you sure that is monthly income?
Kevin ***********
@Nick ***********
yes that's a monthly table in baht for tax purposes
Jim ******
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Nick ************
@Jim *****
can you explain how the Thai authorities are going to find out an individuals world wide income if they do not remit it to Thailand?
Jim ******
@Nick ***********
Thailand signed up to International Common Reporting Standards and started to comply last year. Information is automatically exchanged about banking transactions.
Pete *******
Jim ********
@Nick ***********
They won't. It's just another loose-lipped politician trying to stir up some crap, and the media seizing it to boost their advertising revenue
Todd *********
Cambodia is an easy option. About $500 USD for annual agent visa. Philippines is fantastic if you qualify for SRRV. Thailand is the best in the region if you qualify for LTR (no tax at all). Indonesia and Malaysia both have made recent changes for the worse, but improvements could be coming. Vietnam is super easy for 90 days, but no retirement visa. Myanmar and Laos have their own set of problems. Singapore insanely expensive. Brunei is notoriously difficult but easy for 90 day visa. And Timor-leste is a major problem. Fairly nearby and outside SE Asia, also consider Sri Lanka and Turkey as great options with easy long term visas.
Dave *********
ORIGINAL POSTER
@Todd ********
Will look at Sri Lanka.
Todd *********
@Dave ********
it’s a beautiful country. Super low cost. Colombo is a bit of a shithole but with some interesting spots. Great beaches. Surfing and diving. Gorgeous tea plantations in the mountains. Great food. Kind, happy people similar to Thailand and Philippines. Lots to be said for it
Jeff *******
@Todd ********
I'm a big fan of Sri Lanka, some of the best diving in the world but live there full time? nah. Most of it makes Thailand look like Monaco!
Todd *********
@Jeff ******
I could happily live there full time. Note that I choose Thailand and Mexico though. If budget is critical, Sri Lanka is a great choice. Very easy to live
Dave *********
ORIGINAL POSTER
@Todd ********
Thanks Todd.
John ******
@Todd ********
ltr no tax is not true. Only it people get a lower tax rate. That is all!
Marty *********
@John *****
There are 4 types of LTR and only one is taxed. The pensioner LTR is not taxed.
Todd *********
@John *****
WRONG. Retirees are tax exempt. Sort yourself out. And in the other categories, 17% tax rate is clearly explained
John ******
@Todd ********
just not true just look at the

Boi website. I studied meticulous because wanted to apply. Have ltr visa sind one and half year. Noticed that many websites even of visa companies do that statement. But just one website is reliable : boi website. Please convince me and others with a photo of the boi relevant website. !
Marty *********
@John *****
From the tax lawyer I consulted

“As a holder of the "Wealthy Pensioner" category of LTR Visa, you are exempt from the Section 41 paragraph two foreign source income tax law, and therefore, you have no tax obligation in Thailand on any of the pension monies that you wire transfer from the US to Thailand. This exemption from the Section 41 paragraph two foreign source income tax law is provided to you under Royal Decree (No 743).

You also do not have to file any tax return in Thailand. For you to see this, see the attached PND95 Tax Return form. You'll see at the top of the form that only the "Highly Skilled Professionals" category of LTR Visa holders are required to file the PND95 tax return (not the "Wealthy Pensioner" category of LTR Visa holders).”
Todd *********
@John *****
you are obviously quite poor at meticulous study. I’m not here to cover your poor study habits. It’s very clearly explained on the BOI/LTR website. See Marty’s comment above also. Ur welcome
Steve **********
Dont understand, increase in UK pension relative to country ?

Do you mean exchange rate ?
John ********
I'm onto my MP by email about this discriminate frozen pensions scheme here in the UK. I'm hoping but maybe dreaming that the UK and Thailand, who already have a DTA agreement might also sign Upto the social security agreement (whatever they means) so the UK retirees in Thailand get an annual pension increase. There is an agreement between the USA & the UK on this, but how many UK pensioners retire to the US? I reckon not many, whereas there are many living in Thailand. One can only keep up the pressure on politicians and hope for change.
Kevin ***********
@Steve *********
increases mean a country you retire to has to have agreement with UK to receive yearly increases which Thailand has not so when you retire whatever tour state pension is, it stays the same you will not receive any increase each year
Steve **********
@Kevin **********
Was ref US, not UK ( but UK surprises me ) .

US has no prob depositing into foreign accounts, and supplementing with COL.

Will check in Canada .
Kevin ***********
Steve **********
There's left a Q...

Living in Thailand from US, I receive Cost of Living increase yearly.

Are you saying a UK citizen Living here does not !
John ********
@Steve *********
Exactly that Steve. UK pensioners who move abroad their pension is frozen at the rate the are getting while living in the UK, so no annual increase, unless you are moving to certain countries that the UK has a social security agreement with, whatever that is supposed to mean. Just a UK Government form of discrimination against those of us that have worked and paid into the UK system for over forty years in taxes and a NI compulsory earnings connected rate of assessment. Pure discrimination. Better being an illegal immigrant in the UK, you get looked after better than indigenous British people.
Jeff *******
@John *******
Really? Held in a holding cell, with crap food and banned from working so you cannot get any money whilst listening to Daily Mail readers telling you you're a scrounger and to get a job? Don't believe everything Farage tells you
John ********
@Jeff ******
I don't believe anything on FB either, like anyone saying Daily Mail readers telling me I'm a scrounger at 75 years of age and my state pension was bought and paid for in the tax & National Insurance I paid into the UK system for 42 years,
Jeff *******
@John *******
Again, the money you paid in paid for the pensioners THEN, it is the current workforce that is paying for your pension, not you. The people calling you a scrounger makes no sense at all so can't comment.
John ********
@Jeff ******
In 1981 I was working 12 hours a day, seven days a week and tax & NI taken from my weekly wages was around £120 every week. That was going to help the pensioners of those days and I never complained about supporting others through the money deducted from my salary. It's what happens in a decent society.
Jeff *******
@John *******
Fair play to you, but if you were getting stopped £500 a month in 1981, you should now be lounging around on a sizeable yacht!
John ********
It's the tax avoidance of the rich that people should be venting their frustrations at. I just read an article which had HMRC., input and the fact that the extremely wealthy here in the UK hold back about £39 billion by banking their wealth in offshore accounts.

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Jeff *******
@John *******
Playing devils advocate so would you. However console yourself with the top 1% of earners pay 24% of all personal income tax. If you were one of them, would you think thats fair? Envy is a corrosive aspect in any economy trying to grow. Don't envy, aspire!
John ********
@Jeff ******
The money I paid in for forty two years paid for the pensioners of the time I was paying into the system. In my work time you never heard anyone commenting that we were paying for pensioners of the time. It's only these days when all the uneducated morons in the media try to portray my pension as a benefit. I paid tax & NI to support the older retired at the time I was working and in those days, people had ethics, unlike today when people are just selfish self centred wankers.
Steve **********
@John *******
Don't know that immigration enters into it, maybe those that stay and spend keeps the NHS afloat, I read somewhere that was the rational.

US has a strong Retirement Lobby that keeps COL in place, also it has troops in most countries.
Stephen *******
@Steve *********
yes if you move out of England your pension doesn't go up so basically you do not tell them
Dan **********
@Stephen ******
It only goes up in certain countries. I live in France and it is increased every spring.b When I move to Thailand I will lose the increase as things stand.
Steve **********
@Stephen ******
ahh! so you keep a UK address and Bank. eh.
Steve **********
@Stephen ******
had no idea.

US deposits directly onto Thai Bank, and reflects a yearly COL increase.
Pete *******
@Steve *********
it’s the whole frozen pension issue
Pete *******
UK only give annual pension increases to UK expats who live in a country that has a reciprocal social security agreement. In this region only the Philippines has this agreement. Living in Thailand your state pension is fixed at the rate when you first apply. It will never increase, hence term frozen pension.
Steve **********
@Pete ******
understand. US social security payment do increases based on ' cost of living allowances' increase US pensions regardless of Ex-Pat status or country. Thought same in UK.
Steve **********
@Pete ******
ah ! Makes sence..thanks.
Steve **********
@Pete ******
sorry Pete, at a loss. Pensions set by your Govt.

Do you mean host country can freeze, adjust, or ?
Dave *********
ORIGINAL POSTER
@Steve *********
UK pension is linked to cost of living/inflation etc. The pension paid goes up to reflect this in the UK, Europe, USA for example. It never goes up if you live in Thailand. But an advantage of spending some time in the Philippines is that you receive the increases for the time you are there.
Michael *******
Enjoy the Phillipines , they also speak good english
Dave *********
ORIGINAL POSTER
@Michael ******
Long visa.
Glenn *****
@Dave ********
3 month extensions up to 36 months then a border run. No hasles.

I have a SRRV visa which is good for ever and unlimted entries. That one is expensive unless former military.
Michael *******
Enjoy the food and American company
Will ************
What happens with the tax rules is uncertain but the rules arent changing , just the stricter implementation of existing ones. So nothing has to be approved by the government and nothing has to appear in the Royal Gazette. It can happen at any moment if they so wish.
Jeff *******
@Will ***********
Appeared in the Royal Gazette last November
Dave *********
ORIGINAL POSTER
Jon **********
Anybody who asks about tax advice on Facebook forums doesn’t need to worry about being taxed

In Thailand.
Dave *********
ORIGINAL POSTER
@Jon *********
I'm not asking for tax advice, I'm wondering about visa availability in the region as a fall back.
Angelo ***********
@Dave ********
Then why is your post full with silly references to taxes?
Dave *********
ORIGINAL POSTER
@Angelo **********
'I'm looking at longer term visas in the region as a fall back for worst case scenario regarding tax liability in Thailand'.

I think that about covers it. If you can think of a country in the region with longer term visas, please let me know. Thanks.
Jon **********
@Dave ********
you don’t need to worry
Robert ****
I personally am not worried at all concerning the proposed new tax rules in Thailand. The final language has not been approved and who knows how or when it will affect retirees if at all. My guess this is all a nothing burger for the vast majority of retired expats living in Thailand.
Jeff *******
@Robert ***
Agree, the vast majority of expats live here on a budget of about 45 baht a year so have feck all to worry about!!
Glenn *****
@Robert ***
there is a recent YouTube video on the subject by a Canadian guy with an Italian tax e pert. Sorry I don't have the link. They did a video a few months ago and yesterday an update.

The tax guy says the new information says some scary things.

Pensions will be taxed. In my case 20% if you have a tax treaty you will still pay but you get to deduct what was already paid in your home country.

I cannot vouch for his information
Robert ****
@Glenn ****
I can only say as a retired US citizen, I won't be taxed by Thailand. Can't comment on other country situations.
Glenn *****
@Robert ***
The YouTube video specifically mentioned an American living on a pension in the example. I hope you are correct
Keith ************
@Robert ***
I'm curious why you think that, Robert. I'm not an expert, but my impression is that tax treaties don't prevent taxation -- they only lay out what can and can't be taxed. So if you have tax liability in Thailand, you would subtract what you paid in taxes in the US, but if Thai tax is higher, you'd pay the difference.

Where did you get your information? I'm happy if it's true.
Robert ****
@Keith ***********
I have no tax liabilities in Thailand. My military retired pay is protected by tax treaty with the US.
Keith ************
@Robert ***
thanks. That makes sense.
Jo **********
@Robert ***
nothing will change
Jim ***********
@Robert ***
I'm same. Play by ear see what happens. Already decided won't renew if taxed
Dave *********
ORIGINAL POSTER
@Robert ***
Yes, no one knows yet. But I'm looking at alternatives in the region as a fall back.
Charlie *******
@Dave ********
what about changing your strategy instead of location? Bring cash into the country every 6-12 months instead. Dont force yourself into a digital currency prison cell.

Cross the border to say malaysia, take cash out over a couple of days, bring it in and no tax. Not ideal perhaps but think outside the box instead of running. A
Stephen *******
@Charlie ******
Charlie can you explain yourself please I've got a similar idea but I don't think I've got I've got it straight in my head I retired in 5 years and I am just researching what are the possibilities I can do I I'm married to a Thai my idea is to do six months in England six months in Thailand any information you can give me will be very helpful thank you all the best
Robert ****
@Dave ********
My wife is a Filipino and the Philippines is always an option to live longterm in Asia. Their generous tourist visa can be extended up to 36 months in country before having to leave.
Todd *********
@Robert ***
I'm not sure i would describe that as generous as it requires frequent visits to immigration for renewals. The 3 years is possible but annoying. And i'm not sure about current costs for those renewals. If you get SRRV, great! But even that is not nearly as good as LTR in Thailand. I'm also living in Thailand with Filipina partner, but we both prefer it here overall.
Robert ****
@Todd ********
They have 2 month and 6 month renewals too. Much easier to renew than Thailand 30 day extension and then having to do a border run. I qualify for a 1 year balikbayan privledge when I enter the PH with my Filipino spouse. I also qualify for the PRA military SRRV that has only a 1 time $1500 deposit and $1400 application fee. I also prefer living in Thailand compared to the PH even with the PH having a better longterm visa advantage.
Todd *********
@Robert ***
I have LTR in Thailand which is by FAR the best visa in all of SE Asia. And like you, qualify for SRRV military which seems easier and smarter than Balikbayan in Philippines. I definitely would not want to endlessly pursue renewals in the Philippines. And like you, overall, we much prefer Thailand (at least for now) and with the best visa going, life gets very easy here
Robert ****
@Todd ********
I never looked into the LTR. I have the Non-O 1 year retirement extension.
Jim ***********
Philippines food and accommodation not on Thailand level. Too big a negative for me
Mark *******
Oh reading all these comments has put me of 555 I really want to settle in Thailand but not full time because of the retirement visa scenario so looking for somewhere quite near to Thailand so I can come and go regularly
Todd *********
@Mark ******
the retirement visas are very easy really. Find the one that works best for you. There are several different ways to go about it and all work great for the right person
Todd *********
@Jim **********
generally speaking i totally agree. But you can absolutely find sensational accoms and food in the philippines. It's just not as easy. Healthcare an issue too.
Andrew *******
Yes I felt manila is potentially dangerous if you venture out of the main areas ....lots of armed security patroling around
Andrew *******
@Jim **********
food terrible in phillipines ....would have to Cook your own meals unless you are happy with fast food takeaways Macdonald's KFC etc . Having said that I'm sure things would be better outside manila
Jim ***********
@Andrew ******
I been Cebu Boracay Iloilo and Bohol. Can't cook I eat out all time Thailand
Stuart ***********
@Andrew ******
still not safe and the food is still terrible.
Stuart ***********
@Jim **********
I think there are other negatives too, healthcare, infrastructure and crime.

I have never felt unsafe here in Thailand, but it always felt like there was danger, particularly for foreigners in the Philippines (even in the countryside local people would warn me against going outside!). I guess on the plus side many Philippine people speak English.
Joseph *********
@Stuart **********
when I stayed with a family on Manilla they forbade me from leaving the home alone eve to walk to the Mini Mart. Never experiences that in Tailand, Vietnam, Cambodia, Laos, Indonesia
Stuart ***********
@Joseph ********
exactly, it would be like being a prisoner.
Dave *********
ORIGINAL POSTER
@Jim **********
But the visas are very attractive which is the main point of my post.
Jim ***********
@Dave ********
yes agree 3 years on tourist visa is a big plus
Todd *********
@Jim **********
three years with about 20 visits to immigration to make that happen. Pain in the ass. If you get SRRV- great!!! If not, it's annoying
Mark *******
@Jim **********
wow really can stay for 3 years on a tourist visa sounds interesting
Francis *******
au risque de me faire allumer voici à la fois mes raisons et puis mes impressions.Je viens en Thaïlande depuis 50 ans, j'y ai ouvert en son temps une agence de voyages,puis je suis rentré en Belgique A ma retraite je me suis installé en Thaïlande dans la province de Chonburi (pas Pattaya)en 2011 jusqu'en 2021 j'ai visité tout le pays plus de 200.000 km a scooter dès que j'ai pu sortir je suis rentré en Belgique pour une opération de la cataracte et cela a pris 6 mois que j'ai mis a faire le point sur mon installation thaï.Depuis 2012 chaque année a l'approche du renouvellement de mon visa il y a avait de nouvelles directives...assurances,preuves de revenus (qui n'était plus validée par notre ambassade)preuve de logement (fournir des documents de propriétés du loueur)un climat de plus en plus anti farangs le COVID en Thaïlande a été mis sur le dos des étrangers qui ont infectés le pays sic autoritéd Thaï, toujours les 90 jours,inclut de la vie qui a fortement augmenté,une monnaie instable difficile pour le budget,coût des assurances santé,agressions,le sourire n'est plus que payant,bref tout cela mis bout à bout je me suis installé au Cambodge a Siem Reap depuis 3 ans facilité pour le visa,gentillesse des gens,sécurité ,très très peu de vols et agression,une population accueillante et jeune.. agréable de vivre entouré de l'effervescence d'une jeunesse respectueuse des anciens,mon budget a diminué de 25 % seul regret j'adore la nourriture thaï un peu moins la khmers mais c'est compensé par un nombre important de resto européen a meilleurs prix qu'en Thaïlande,la francophonie est bien présente,activités cultures sportives bref j'ai retrouvé la Thaïlande des💘 années 80
Randy ******
@Francis ******
Je mange mon pied!
Dave *********
ORIGINAL POSTER
@Francis ******
Thanks for the response. I've been to Cambodia, it was chilled out, and yes the population is young... personally it doesn't draw me so much, although Siem Reap was ok. Are you in the same position tax wise there, ie 180+ classed as resident and pay tax on foreign income? Thanks.
Francis *******
@Dave ********
no tax here
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