What are the best visa options for moving to Thailand, the 90-day Non-O or 60-day Tourist Visa?

Oct 20, 2024
2 months ago
Tr *****
ORIGINAL POSTER
My delima: I'm planing to move to Thailand first of the year, I'm getting different seneros on visa's from legal firms there🙈.

Some say I must do the 90 day non immigration O (evisa) before I come, then change to 1 year retirement visa after I'm there.

Others say I can come on the normal visa (60 day tourist visa) then once there I can convert to the non immigration O visa then convert to the 1 year retirement visa.

I'm from the US and want to visit a few places before I decide where I'll be living. Doing the first option limits the time I'll have to find the right place.

Any thoughts? Anyone know for sure?

Thx for your help.
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TLDR : Answer Summary
When planning to move to Thailand, expats have two primary options for securing a retirement-related visa: obtaining a 90-day Non-Immigrant O visa from a Thai embassy before arrival, or entering Thailand on a 60-day tourist visa and later converting to a Non-O visa. Each option has its advantages. The embassy route is often recommended for smoother banking access and quicker processing times, while arriving on a tourist visa allows for flexibility in exploring before settling in. However, converting from a tourist visa may complicate the necessary financial requirements and documentation processes. It is vital to gather accurate information and consider personal circumstances, like time constraints and financial capabilities, before making a decision.
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.
Mark *********
I am in the process of doing this myself. if you already have health insurance, by one of the approved insurance companies, I would apply at an embassy out of the country. The problem coming in with a tourist visa and then converting it to an OA is the opening of the bank account. some people say you can go to the immigration office, get your certificate of residency and open a bank account with this. I ended up hiring an agent and having to use a specific bank that charged me for insurance that I felt was a poor value. The total amount spent was about 10,000 baht or $300. Shop around as the costs for hiring an agent vary widely, with the money transferred to my bank account I then went to the immigration office and had their volunteers help me fill in all the paperwork which was turned in last week and accepted by my local immigration office. It appears as though I'm at the stage in the process by which we are taking the steps bringing the proper papers again and following directions of the immigration officers, pretty straightforward, good luck.
Brandon ************
@Mark ********
You cannot convert to an OA visa in Thailand. OA visa is only available in the Thai embassy that matches your passport.

You can convert to a non-O visa in Thailand, and that does not require insurance.
Mai ********
"I have a company with experts who can advise you on visas and other matters. You can try contacting them
@M ***********
Galenus ******
Go to the embassy's website first. It's everything explained. Then decide. No agent required.
Frankie *******
Checked with space union visa n thai visa center in bangkok n I was told just come on a normal non immigrant visa 60 days on arrival n contact them to open a bank of Bangok account n deposit $800,000baht in your name n let them process your retirement visa.i heard the money needs to be in your account for 2 months meanwhile get another 30 days extension on your visa n by then u will hve your retirement visa approved
Bart **************
Get non-O before going. It's pointless to come on the wrong visa if you already know that you want the non-O. The possibility to switch is there for those who change their plans later. In your case, the rules and conditions at various stages are better suited if you get the visa first. For instance you don't need a return flight when flying, and it will be easier to open a bank account.
Bob *********
@Bart *************
I don't remember him saying in his posts that he wanted the non-o Visa. it's not pointless to come as you say. there are options once he gets here.
Brandon ************
@Bob ********
he's literally asking about the non-O in his post?
Bob *********
@Brandon ***********
i reread it .. and he did not say what visa he wanted. maybe you should reread?
Brandon ************
@Bob ********
Some say I must do the 𝟗𝟎 𝐝𝐚𝐲 𝐧𝐨𝐧 𝐢𝐦𝐦𝐢𝐠𝐫𝐚𝐭𝐢𝐨𝐧 𝐎 (evisa) before I come, then change to 1 year retirement visa after I'm there.

Others say I can come on the normal visa (60 day tourist visa) then once there I can convert to the 𝐧𝐨𝐧 𝐢𝐦𝐦𝐢𝐠𝐫𝐚𝐭𝐢𝐨𝐧 𝐎 𝐯𝐢𝐬𝐚 then convert to the 1 year retirement visa.
Bob *********
@Brandon ***********
some say... others say... in english it means that is what people are telling him, NOT what he wants... just saying.
Bart **************
@Bob ********
then read it again.
Tony **********
Agents prefer that you come in visa exempt or other short term tourist visa. They know how difficult it will then be to open a bank account for the required 800k BEFORE you can apply in-country for a non-o. Applying via evisa before you arrive will provide you a Visa that makes it much easier to open an account on your own and will give you a month in country to find a place to live and open the account. It takes the agents out of the equation. You can still use one of you don't have the 800k but they become unnecessary.
Robert ********
I'm doing this right now

Others say I can come on the normal visa (60 day tourist visa) then once there I can convert to the non immigration O visa then convert to the 1 year retirement visa.
Graham ******
@Robert *******
The Non-O is the retirement visa which you need first to get the 12 month extension of stay which is not a visa
Robert ********
@Graham *****
yes.. I just ment i arrived on a 60 day and now I'm on the process of acquiring my 1 year extension
Steve ********
Step 1: get a 60 day TV

Step 2: come to Thailand

Step 3: contact
@Annie **************
(Buddy’s Visa Service)
Bob *********
i went with 60 day visa from thai embassy in USA, once here switched to education visa. after 14 months will have over 12 months of consistent deposits into the thai bank account and qualify for non immigrant O Visa. for me, best way. for you... you decide.
Graham ******
@Bob ********
You may find that your first year (initial Non-O and extension) requires 800k in a Thai bank account, not the 65k monthly transfers. Check with your Immigration Office well in advance which method they require.
Bob *********
@Graham *****
yes hopefully not
Priya **********
I am in a similar situation. Siam

Legal told us that you can ask for retirement visa online from your country. You have to have an income of at least AUD 3000 or have
*****
0 on your bank account. They said at least initially you don't need to have a Thai bank account.
Tr *****
ORIGINAL POSTER
@Priya *********
me too, but get different seneros from them. With the language barriers and verbiage I think it's better to pay someone who knows both , kind of a learning curve until I understand better do I won't make mistakes.

My biggest concern is the time frame of things needed in basically a few week after getting visa.

I have to rush to rent a place etc..
Priya **********
@Tr ****
but the first option they gave me that you get only from your home country gives you a year
Greg ***********
@Tr ****
You can enter visa-exempt, then pay an agent to set up a Thai bank account, arrange the „change of visa type” to a 90-days Non-Imm-O retirement visa. Rent a place, because on Immigration, the "change" requires a rental contract.

If you have no minimum of 800.000.- THB, there are agents in Thailand, many of them in Pattaya, who will front the money for you. They will bribe Immigration. I do not recommend this, but this is what it is.

Only if you don’t have your own money for the financial proof, just let an agent help you to open a bank account, get you TM30 registered at an accommodation.

These agents have prices beginning from 30.000.- THB up to 45.000.- THB, for a first timer. 3 Months visa, followed by a 12-month extension. After 15 months – you are now caught inside the hamster wheel of the agent - it is rinse and repeat, for a little less than 15.000.- THB, including a single re-entry permit
Lynnette *******
@Tr ****
Greg Alexander has explained clearly, and step by step, the process and options. Follow that.
Greg ***********
It’s all about the terminology, folks!

You can do everything by yourself, no agent needed

Do step-by-step

You can apply for a single entry 90 days Non-Imm-O retirement visa in your home country before you wing your way here.

You gonna enter Thailand on this visa and will get stamped in for a 90-days stay permit.

You must open a Thai bank account immediately after your entry. If you want to prevent “bank hunting”, use an agent to help you with opening a bank account in your sole name.

Once the account is set up, transfer a minimum of 800.000.- THB onto it.

From up to
*****
days before the 90-days stay permit expires, you can apply for the “1-year extension of the stay permit based on retirement”.

Thai Immigration calls this process “visa extension”, however this is just bad English – they are extending a stay permit. A so called “visa” can technically not get extended.

On the day of your application to the 1-year extension, a minimum of 800.000.- THB must have seasoned in your Thai bank account for two months, and you need the “bank letter of guarantee” (in Thai: rab roong thanakan) to prove it.

After being issued the “1-year Extension of Stay based on retirement”, a minimum of 800.000.- THB must remain in your account for at least three months.

After this, you could theoretically take out some of the deposited money, but it cannot go under 400.000 THB in the remainder of the year.

Two months before your next application to a new 1-year Extension of Stay Permit, a minimum of 800.000.- THB must be back in your account

Every year, you will need to apply for the next “1-year Extension of Stay”

NOTE:

When Immigration issues your extension, always buy a single re-entry permit for 1000.- THB on top of it. Bring at least two passport pictures for the application to the re-entry permit.

A re-entry permit keeps your stay permit alive, should you exit and re-enter Thailand during the validity of your stay permit.

Should you plan to exit Thailand more often than three times, buy a multi re-entry permit for 3800.- THB. It allows you unlimited re-entries into Thailand during the stay permit validity.

For the application to the “1-year extension of stay permit”, the following is required:

*** your passport

*** a copy of the passport detail page and a copy of the entry stamp

*** a copy of the previous extension of stay stamp

*** you need to sign all copies in blue ink

*** a few passport-size pictures

*** the “bank letter of guarantee”

*** an ATM receipt of a same-day withdrawal of a small amount of Thai Baht

*** your updated bankbook

*** 1900.- THB fee for the application to the extension

*** you might be asked for a screenshot or printout of your up-to-date TM30 accommodation registration. On many Immigrations, you need nothing such, as they can see your TM30 registration on their computer

*** forms to fill out are available at the Immigration office

This list of required documents might not be complete for your specific Immigration.

It is strongly advised to visit Immigration early, and ask them for the handout list of requirements regarding the “retirement visa extension”

If you leave Thailand before the 90-days expire, your stay permit will become void. You could re-enter on a “visa-exempt entry” that would get you stamped in for 60 days.

Some people avoid applying for the 90-days Non-Imm-O retirement visa in their home country and enter Thailand on a visa-exempt entry (which at the moment gets you stamped in for 60 days) or on a 60-days tourist visa.

They can, as long as a minimum of 15 days is left on their entry stamp, apply for the so called “change of visa type” from a touristic entry to a 90 days Non-Imm-O retirement visa on Immigration, if they fulfill – among other - the financial requirements

And from this 90-days Non-Imm-O visa, they can switch to the “1-year Extension of Stay based on retirement”
Andrew ******
@Greg **********
Hi. Thanks for all your info. If I come on VEE 60 days and use an agent to open my bank account and I deposit my own 800,000 and then apply for the non 0 90 days straight away? Or is there an amount of time you have to wait until so many days left on your VEE before applying for the non O? So once I get the non O 90 days stamp that superseeds my VEE stamp right and gives me 90 days non O and I have the 2 months to let my 800,000 be there and then enough time to apply for the 1 year extension of the non O after the 2 months right? Thanks for your help in advance.
Andrew ******
Thanks. 1 last question. Do you think a rental contract of 3 months would be enough from beginning to end to get the one year extension?
Greg ***********
@Andrew *****
could be enough, this is Immigration specific. You need to visit and ask
Greg ***********
@Andrew *****
You can apply for the change to the Non-o visa with a minimum of 15 workdays left on your VEE stay permit. for the application to the initial visa, no seasoning is needed for the 800,000.- THB. Only for the application to the 1-year extension of stay, the money must have seasoned for two months
Greg ***********
Tr Uth . . . .there is nothing such as a one year "retirement visa". You can arrive with a single entry Non-Imm-O retirement visa issued in your home country. You will get stamped in for a 90-days stay permit, the "visa" becomes invalid upon entry. Then up from 30 days before the stay permit expires, you can apply on Immigration for the "1-year extended stay permit based on retirement", if you fulfill the requirements. The EOS is not a "visa", it's a stay permit, despite Immigration calls this process wrongly "visa extension". That's technically wrong, because a visa cannot get extended.
Peter *********
Use a good agent.
Stephen ********
Either route, you'll not be converting to any 1 year visa. You'll simply be getting a 1 year extension to the visa your entered on. The fact that a legal firm doesn't seem to have the terminology correct raises a red flag 🤷‍♂️
Tony ********
Agents in Thailand have a vested interest in you taking the 2nd option as you will need there help at various stages. The first option requires no agency support and can be done by yourself end to end, although agents can be helpful negotiating through the required supporting paperwork requirements and translation issues.
Dieter *******
Google Pattaya immigration agents. Inquire and you will see how easy it is to get the Non-O and after the one year extension. You even don't need any financial requirements.
Eric ******
@Dieter ******
did you do this? I have an agent in Pattaya that will open a bank account and do my retirement visa for a fraction of what I'd lose in interest (and I wouldn't have the headache of figuring out the paperwork and transferring the money). People on here say it's shady, but, of course, he said I would have nothing to worry about. I'm definitely tempted to go that route.
Dieter *******
@Eric *****
Most of the agents have a good relationship with the Immigration. Hundreds of Falangs are happy with their services. Personally I didn't go this way, because I had a working visa. But two of my neighbours in the condo where I was living, had never any problems with this "short cut" visa. Probably important to know how many years your agent is already in business. My opinion, really nothing to worry about. Good luck 👍
David *********
The second option is better. non O-A retired requires health insurance. Non-O retired (gotten in Thailand) does not require health insurance. Bring with you all the paperwork you will need including police background check ect. Get a full list of what is needed from the Thai Immigration website.
Chris *******
@David ********
no one is talking about OA.

A non-o obtained from your home embassy does not require any insurance.

The difference is an OA is a 1yr Visa requiring medical, criminal and insurance. It also allows multientry, that can stretch it to almost 2 yrs.

A non-o is not a longstay Visa, it is only a 90 day visa that must be extended in Thailand.

And requires 800k in a that bank or an embassy endorsed income.

** which the US does not do.
Brian *********
@David ********
said this before, the OA insurance is not expensive, especially compared to the amount of money I made as interest vs sitting in a Thai bank account. The additional interest (offsetting the insurance costs) paid my rent for close to 6 months.
Tr *****
ORIGINAL POSTER
@David ********
thx, got to get health ins anyway, no worries with the background although I don't really want to go through, but both law firms told me there is no longer a health check or a background check for the visa I'm looking at.
David *********
@Tr ****
good luck. And. If your talking to lawyers why come to Facebook
Tr *****
ORIGINAL POSTER
@David ********
advice from ones who have been thru the process, especially with different opinions from legal people
Eric ******
Hopefully you're not paying these legal firms. You can save some money and get the info from the eVisa site or very knowledgeable people on here. I'm on the same path as you though. It wouldn't hurt to come and check things out first like you mentioned. I came over for 2 months last year on a 60 day exemption. Got my Non O in July and I am coming up on my 90 days next week. I couldn't definitely decide on the Retirement Visa...that $24k just sitting in a bank equates to roughly $100/ mo in interest. Plus needing a rentral contract for your accommodations when I like to travel all over, so I'll just bounce to Vietnam and figure out the pros and cons doing a few exemptions a year while visiting surrounding countries, getting the Retirement Visa or even the DTV, which may also be an option for you. You didn't mention your age (over 50?) or if you have been here before, or any of the other nearby countries. You may like them enough to spend time in also. Lots of things to ponder before you make a decision. But it's a good problem to have. I'm looking forward to Vietnam. The more I read, watch vids and I got some helpful advice on here last week, the more I look forward to it. Then there's Malaysia, Cambodia, the Philippines, Japan, etc. Thailand will always be here. Good luck. It'll be fun either way.
Luit *****************
@Eric *****
where do you get $100 a month on 24k, that is 5 percent. Here in Europe about 3 percent is the max. For a fair calculation you also have to take into account Thailand also has interest on money.

But I also like to have my money where I want it and not locked in whatever country.
Eric ******
@Luit ****************
I have it in a high yield account back home at 5%. I don't have a Thai bank account yet, but people on here say it is very low. I'm tempted to let an agent do the retirement visa, he says I wouldn't need the $800k in the bank but people on here say that is shady. Is that how you did it or are you on a different Visa?
Tr *****
ORIGINAL POSTER
@Eric *****
I'm 62, visited Bangkok, Pattaya and Koh lern last August . Thinking Hua Hin would be a good fit for me (but got to go first). I agree on the 24k sitting there, I also read 24k in bank or proof of me getting enough social security, still can't get a straight answer on that.

Totally agree, getting e visa first limits my time to find a place I like, hopefully I'll get it right 😬
John **********
@Tr ****
I think your from the US so your embassy won't provide an income affidavit so your SS is irrelevant. If you apply for the 90 day Non-O visa inside Thailand then you must have 800k baht in a Thai bank account. For the first extension of a Non-O you must have 800k baht in a Thai bank account. For 2nd and subsequent years you can transfer a minimum of 65k baht each and every month for a full year before you apply for the extension.
Luit *****************
@John *********
Is it a possibility to start the 65k transfers a year before the first extension? While being there on tourist visa or other?

I know it might be difficult to get bank account without non-o, but that might be arranged by agent.

The big question is, will immigration accept this.
John **********
@Luit ****************
I've just seen a post from elsewhere where you imply you do 90 day reports. What sort of stamp are you currently on?
Luit *****************
@John *********
At the moment I did not do any 90 day report, just looked how it could be done.

For now I travel to much out of the country to reach 90 days, and I also need to spend at least half of the year in my home country because my Thai girl friend needs to spend that time to prevent loosing her residence permit there.
John **********
@Luit ****************
you would have to ask the specific immigration office you would use, some may allow it, others not. The question then would also be how you plan to spend that year inside Thailand, unlikely you can do that on a tourist visa. I'd advise against the agent route for anything other than opening a bank account so you would still need the 800k as you can't use monthly transfers for the initial non-o visa. Visa agents from what I see usually manage to get both the initial non-o visa and the 12 months extension in one, so that is an option if you don't have the money but you may run into issues with future extensions as you won't be able to show you've met the requirements of the current extension
Luit *****************
@John *********
For me it is not important now, I am still working and only spending part of the year in Thailand, so I now have DTV visa.

Maybe in 5 years I need non-o, but at the moment my country still offers visa affidavit letter.

I was just thinking about possibilities, I think you could stay almost 9 months on a multiple entry tourist visa, then get non-o in your home country, not needing the money in a Thai bank, and then you already stay about a year in Thailand before you need the proof of monthly payments.

The only thing then you might need the agent for is opening the Thai bank account.

But I am not sure this works, it just crossed my mind
John **********
@Luit ****************
who knows what the situation will be in 5 years time
Luit *****************
@John *********
nobody knows in 5 years, so I try to be prepared, maybe getting a Thai bank account and sending money every month in the period I have DTV might be an idea.
Chris *******
Both are valid paths.

The embassy route is the smartest and most efficient.

And you will be extending the visa.

Not changing, renewing, etc.

You will find that terminology will be important to avoid confusion and potentially incorrect Information "lost in translation".
Luit *****************
@Chris ******
About terminology, is it the visa itself you extend, or are you extending the stay you got with the visa?
Brandon ************
@Luit ****************
it's called "extension of stay"
Tr *****
ORIGINAL POSTER
@Chris ******
yes the verbiage is different from here on visa, health ins etc..
Brandon ************
You can do either, but it's better for you to get the visa before you travel. It makes it much easier to get a bank account which is all but impossible without a long term visa, and you must have a bank account for both the non-O visa if you get it in Thailand and for the 1-year extension.

Also if you get a non-O visa in Thailand the only place you can get the 1-year extension is the same immigration office you got the visa. If you get the visa from the embassy you can apply for the extension wherever you're staying.
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