This is NOT an official government website. We are an independent resource providing information and assistance to travelers.

What are the financial requirements for applying for a 90-day Non-O retirement visa from the USA?

Aug 4, 2025
a day ago
Doug *******
ORIGINAL POSTER
I can’t believe I’m still confused after so much reading and inquiring. I’m in the USA and planning to apply online for a 90-day non O “retirement” visa.

I thought there were no “bank account” requirements to accomplish this first step. I understand the 800,000 baht seasoned for two months in a Thai account for LATER but if proof of funds IS required just to get the non O visa can somebody please clarify that for me? Yes, I can research elsewhere but I prefer hearing the details from people who really know the facts. Thanks.
1,874
views
2
likes
53
all likes
30
replies
0
images
19
users
TLDR : Answer Summary
The confusion around the financial requirements for the 90-day Non-O retirement visa from the USA is a common concern among expats. To apply for this visa, applicants typically need to prove they have sufficient funds, which can be demonstrated through either bank statements showing a minimum balance or proof of monthly income. The exact requirements may vary based on the embassy, but many require three months of bank statements with a balance of over 800,000 THB or proof of income of at least 65,000 THB per month. While applying from the USA, having funds in a Thai bank account is not necessary at this stage; however, funding must be transferred to a Thai bank account when seeking a one-year extension after arriving 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.
Greg ***********
Doug Olson . . . . Well, there are several roads leading to the 90-days Non-Imm-O retirement visa and to the subsequent 1-year extended stay permit based on retirement

We are talking about the most common and persisting misunderstandings regarding the rules that come with applying for the “retirement visa” and the subsequent “one-year extension of stay permit based on retirement”. Misunderstandings happen because a “retirement visa” can mean 7 different visas and stay permits

The best way is to show up in Thailand on a 90-days single entry Non-Imm-O Retirement/over 50 visa” as it will get you a 90-days stay permit stamped. Within this period you have plenty of time to arrange for the application to the “1-year extended stay permit”

In order to apply for the “90-days single entry Non-Imm-O retirement visa” through the online E-visa system at the Royal Thai Embassy of your home country, you can use the proof of income of a monthly minimum of 65.000.- THB, by using your original pension or other income documentation.

Or you can use a deposit of a minimum of 800.000.- THB or the equivalent in your home country currency, or on your home bank account, or on a Thai bank, or just anywhere in the World – as long as it is in your sole name

However, for the application inside Thailand, for the “1-year extension of stay permit” out of the 90-days Non-Imm-O retirement visa, if you are a citizen of a country whose embassy in Thailand does not issue the “income affidavit” any more (these are the embassies of USA, UK and Australia) you would need a “12 months bank statement”, showing that for the past 12 months, you have been transferring from abroad to your Thai bank account a minimum of 65,000 THB, consecutively month for month.

If your embassy still issues an affidavit of income, you can use this method for the financial proof, which needs a monthly income or pension of a minimum of 65,000 THB

For British, Australian and U.S. citizens, in the first year there is no other way around, than depositing a minimum of 800,000 THB in your Thai bank account and use this deposit for the financial proof which is required for the application to the “one year extension of stay permit based on being over 50/retired”

The alternative would be, if you don’t have that kind of money or are not willing to deposit in a Thai Bank account is, paying an agent to “arrange” the requirements, which I, however, do not recommend

As soon as you have accumulated the 12 consecutive months of 65,000 THB transfers year all you need to do is apply for the next 1year extension of the stay permit, using the 12- months bank statement to prove 12 months of transfers from abroad.

This application to a 1Year Extension costs a 1900 THB fee and you can theoretically do it all by yourself, or accept the help of an agent for the simplified legal service.

NOTE: It is income OR deposit.

However, there is a third method, called the “combination method”:

A combination mix of income and deposit. Some immigrations don’t allow the combination method in the first year.

And some Immigration want the deposit part to exceed 400,000 THB.

The combination method means that the sum of the deposit AND the monthly income exceeds 800,000 THB in one year.

But let’s continue with the “normal method” (visa issued in your home country, followed by the application to the 1-year Extension inside Thailand):

On the day of application to the 1-year extension, the 800,000 THB need to have “seasoned” in your account for two months, and this has to be proven with the “bank letter of guarantee” (rab roong thanakan).

After been issued the “1-year Extension of the Stay Permit based on Retirement”, the 800K need to remain in the account for 3 more months. After these 3 months, the deposit shall never go under 400,000 THB. And before you’re the application for the next “1-year Extension of Stay”, a minimum of 800,000 THB must have seasoned in the account for two months, again

On the day you get issued the “1-year extension of stay permit”, you should buy a re-entry permit for it.

A re-entry permit will keep your stay permit alive in case you exit Thailand before the expiry of the 1-year stay permit.

A single re-entry permit is 1000 THB on Immigration. A multi re-entry is 3800 THB. With a multi re-entry permit, you could exit and re-enter as many times as you wish during the whole stay permit period.
Doug *******
ORIGINAL POSTER
@Greg **********
Thanks to dedicated contributors such as yourself I have studied and understood most of what you wrote here. My problem is that I’ve been planning to use funds from selling some property in order to cover financial requirements regarding the non O visa and subsequent extension. BUT I will not have the seasoned bank statements because I want to return to Thailand immediately after selling said property. I THOUGHT applying for the non O from the USA did not demand bank statements and all the proof of funds would be needed AFTER arriving back in the kingdom.
Behzad ***********
I just revived my non O 90 day vusa. You need to attach a US bank account statement showing you have sufficient funds to sustain yourself. Once you get to Thailand and open an account you need to transfer
*****
0 Bahts for one year extension
Ben *******
Get your 90 day Non O from the embassy in your home country. Turn up to Thailand and you have 90 days from when you land to sort everything out. Go to an agent and they will sort out a visa, bank account, driving licences and a TM30 which is just proof of residence. Can be a long stay hotel no problem until you get settled in. Then you can look for a condo. With all that in place you can then buy a motorcycle or car. If you are heading to Pattaya I highly recommend One Stop Visa in Soi 6. They just take complete care of everything and alleviate all your concerns.
Susan ********
@Doug ******
I am right behind you and trying to understand this and if I am able to do It on my own. Thank
Max *************
@Susan *******
Excuse me, but how hard can it be to understand that you just need to show financial proof back home? Next step when in Thailand, you'll need money in a Thai bank account.
Randy *******
@Susan *******
I’m using a Visa agent. There’s no way I ever would’ve figured it out on my own. Last week I had to go to Laos  for a week. The visa agent had an office there they were able to get my Non O visa.  in four days so I only had to be  there for five days.

 I had to show three months of bank statements with my balance over $1000.

 now I’m back in Thailand and tomorrow I go to the visa agent to fill out a residency document. It’ll take a week to get my residency document back from the government after that I can open a Thai bank account.
Lynnette *******
@Randy ******
they are in USA. Doing it before they arrive.
Doug *******
ORIGINAL POSTER
@Lynnette ******
Right. But my problem is I won’t have three months of bank statements prior to wanting to apply.
Doug *******
ORIGINAL POSTER
@Susan *******
Of course the key is MONEY. If that’s not a challenge for you then all should go fairly easily. Best of luck to you. Keep us updated. 👍

Fear is the wall.

Hope is the window.

Courage is the door.
Stuart ***********
@Susan *******
you can definitely do it on your own. The Thai visa process is easy. The Thai visa site is not intuitive and a bit clunky, but give yourself a bit of time and be patient and you will achieve it. Once in Thailand extending your stay takes me about 45 minutes in immigration and there's 1 A4 main form to complete (about 15 questions like; name, passport number, date of arrival) plus sometimes a couple of other declarations to sign and providing lots of photocopies etc.
Tony **********
LA embassy wanted to see 3 months of either a balance of over ß800k or deposits rising ß65k each month.
Jay *******
Yes, just did the Non O while in the the US in May. You need 3 months of bank statements. I forget the amount required to show, but it wasn't a large amount
John ******************
@Jay ******
Would you please share the website( and any advice) you used to acquire the Non O 90 day visa . I am a Floridian who simply wants to stay in Thailand for between 75-90 days. I am willing and eager to pay for the privilege to do so . Funds are not an issue, and would prefer to simply pay, rather than border hop, etc. Thank you in advance ..
Jay *******
@John *****************
*************************************************************************************************


You have to use the Embassy for your region. Don't try to do it on your phone, use a PC. The rest is pretty self explanatory. Just follow the steps it gives you. Make sure you use your full name as it is in your passport.
Jim *******
@Jay ******
How did you show them your bank statements? Are screenshots from a banking app good enough?
Jay *******
@Jim ******
i downloaded the 3 months in 3 separate pdf files and had to go online and convert them to one pdf file. I was then able to download it to the application
Doug *******
ORIGINAL POSTER
@Jay ******
That would be very bad for my plan.
Randy *******
@Doug ******
I just went through this last week.  to get the Non 0 visa  I had to leave Thailand and go to Laos.  I had to show three months of bank statements with my account balance over $1000. There was a couple days where it dropped below 1000, but they were still able to make it work.

 I also had to show that I had the ฿400,000 for my marriage visa in my US bank account
Jay *******
@Doug ******
there are experts here. I am not one. But lay your plan out and maybe someone here can help
John **********
To apply for the initial 90 day Non-O visa in your home country you show funds in your home country
Paul *********
Get OX from the states
Max *************
@Paul ********
A very stupid advice,and also not possible for this guy.
Stuart *********
@Paul ********
That’s not going to happen. You need 3m in a Thai bank account.

The only embassy in the world that issues those with local bank funds is Sydney. Not an option for a US citizen without residency status.
Michelle ******
I think it’s the reading and inquiring that cause the confusion! 🤷‍♀️ It seems one article or comment would contradict the other. I just did the DTV out of Canada and my head was spinning! Hope you get everything figured out.
Dennis *********
Go to the Thai embassy website in Washington DC and review their requirements. You either need a certain amount of funds or must demonstrate monthly income..
Beverly ***************
@Dennis ********
you will need to apply through your regional embassy website. I’m from Texas, so DC is mine but there are also ones in NYC, Chicago, and LA.
Jack ********
@Beverly **************
there is only one embassy and that’s in Washington DC. The others are consulates not embassies
Beverly ***************
@Jack *******
you are correct! Sorry. But they do operate on what region you're in. I've had to send many papers to DC for my adult children, you would think I would remember that!
Brandon ************
The "facts" come from the embassy you'll be applying at. But yes, non-O has a financial requirement. The exact amount and how long you have to show it for are up to the embassy you'll be applying at. They don't require you to have a Thai bank account, it's immigration in Thailand that requires that.
Thai Visa Advice and Everything Else
... members · 60% approval rate
The Thai Visa Advice And Everything Else group allows for a broad range of discussions on life in Thailand, beyond just visa inquiries.
Join the Group
Thai Visa Advice and Everything Else
View the Conversation
Thai Visa Advice and Everything Else