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Answereda year ago

What are the best steps to apply for a retirement visa in Thailand if I meet the income requirement without depositing money in a Thai bank account?

Theo ********
asked Nov 3, 2025
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Dear members,

This question has undoubtedly come up before, but I want to make sure I'm doing it right.

I'm retiring in June next year and want to move to Thailand afterward. I plan to live there for at least nine months a year. My girlfriend is Thai, and we already own a house together, but we're not married.

I'd like to apply for a retirement visa without depositing money in a Thai bank account. I meet the income requirement of 65,000 baht per month with my state pension (AOW) and pension.

My questions are:

When is the best time to apply for the visa?

Should I wait until I officially have my state pension (AOW) and pension documents before applying?

Is it wise to arrange the visa myself, or is it better to have it done through a visa service?

All tips and experiences are welcome. Thanks in advance!
Answer summary
The user seeks advice on applying for a retirement visa in Thailand, expressing concerns about the financial requirements, specifically not wanting to deposit 800,000 baht in a Thai bank account. Several commenters highlight important aspects regarding the visa application process, including the need for proper documentation (like income affidavits), the advantages of using a visa service for stress-free processing, and the importance of having the necessary funds in Thailand for visa extensions. Recommendations include considering the Non-OA visa for initial entry and ensuring health insurance compliance.
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Paris ********
Paris ********
I came in 2 years ago on an OA visa from USA. I submitted all the required documents while in the US, which included my Social Security letter stating my annual & monthly income. I did not have to deposit 800k and then change over, they accepted the Social Security letter as proof of the 65K requirement as our embassy does not furnish proof letters. As you will have to have health insurance from Thailand, I suggest you find them before you travel here. You can price/check their coverage from your home country., online, very easy. They will ask for the same documents as the Thai embassy, as well as additional health tests, which gives you a second check on your documentation. You will see that they are able to not cover pre-existing and other items that may be covered currently. As you are aware the 65K method also requires proof of being free of certain ailments, which you will need to get signed off from your doctor Some of the tests are not done anymore in our countries, so leave yourself enough time to get them done. The health insurance is not required for the O visa of 800K which is one of its benefits. As mentioned, you will be having your retirement 65K deposited directly into your Thai account, as proof of international funding is required to renew each year, and a letter is obtained annually from your Thai bank. Hope this helps....
John **********
John **********
The way to avoid putting money in a bank account is to get the Non-OA visa before you travel to Thailand. It will get you stamped in for 12 months but does require insurance and police check. If you you travel back to the UK every year just rinse and repeat
Bill *********
Bill *********
Absolutely get the services of a Visa agent, such as the firm that moderates this forum. Set up a consultation with a plan of action. Then you'll get it all done easily and stress-free. Depositing the 800k baht is way easier; just do it once and forget about it, vs hoping everything goes smoothly 12 times.
Sally ********
Sally ********
As Graeme says...you have to have the money in the Thai account for the 1st extension then you can move to the monthly pension income
Greg ***********
Greg ***********
@Theo *******
you are a Dutch citizen, so your embassy in Bangkok still issues the income affidavit for you. Apply for the Non-Imm-O visa as many Immigrations want to see that you actually have a Thai bank account into which you transfer some money coming in from abroad, despite your income affidvit being sufficient for the financial proof to apply for the 1-year extension of the stay permit based on retirement
Tom ****************
Tom ****************
Jesper *******
Jesper *******
Does your embassy provide affidavit of income? If no u can only use the 800k bankin method for the first year
Mel ************
Mel ************
Congratulations, however, if you are unwilling to place the required 800,000 baht into a Thai bank account, you MUST wait until you have your retirement documents that state that your eligible for the monthly income through the Retirement Visa
Graeme ******
Graeme ******
@Mel ***********
cannot use monthly income method for first extension it has to be 800kbaht in a thai bank account unless his embassy still confirms his monthly income
Graeme ******
Graeme ******
Couple of things to consider. If you want a non O over 50 retirement visa and then subsequent yearly extensions its always better to get the visa in your home country before entering thailand as this will make opening a bank account more straight forward. I notice you say you dont want to deposit money in a thai bank account? If you want to do your own visa extensions you will need an account to deposit your 800kbaht for your first extension as you cannot use monthly income until your 2nd extension and then if you want to convert to monthly then you still need that monthly amount paid into a thai bank account. You can use an agent who could help you with the funding of your extension but then you may be tied into that method for a long time to come. You could look at a DTV soft power option to get a 5 year visa with 180 days stamp for each visit, here you dont need a thai bank account only your own in your own country.

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