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Answered4 months ago

What are the monthly income requirements for US citizens living in Thailand, and how can I prove my income through Wise transfers for a visa extension?

Greg ********
asked Jul 1, 2026
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I read so much conflicting information about monthly income requirements for US citizens changing from $800,000 bhts to the monthly income after one year. Is Wise is the better option to prove monthly income? It sounds like the coding is the issue, so I want to set up a solution before moving there in November. I plan to move monthly income higher than the minimums into my Wise account, then transfer it to a Thai bank. But since I have my own investments accounts, that is not what they want. They want the US Social Security monthly payments to qualify for the extension. My payments exceed the minimums, but how can I prove that portion of my monthly transfer to the Thai bank from Wise?
Answer summary
The inquiry revolves around the monthly income requirements for US citizens living in Thailand, specifically regarding the documentation needed for visa extensions. The user seeks clarity on proving their income through Wise transfers to meet the evolving financial rules, which require consistent international fund transfers averaging at least 65,000 baht monthly, ideally sourced from pension payments like Social Security. Many community responses emphasize that transfers should be shown clearly as originating from abroad in order to satisfy immigration regulations, with advice ranging from direct bank deposits to the importance of selecting the right banking partner for the transfer process. There are concerns regarding Wise's reliability for this purpose and suggestions to maintain a minimum balance in Thai accounts whenever possible.
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Richard **********
Richard **********
If you qualify, I'd suggest considering the LTR 10-year visa. The approval is based on your US tax returns showing sufficient passive income. No need to tie up any money in a Thai bank. No taxes on money transfers. No 90 day reporting. No annual process of showing you still qualify. No re-entry permits.
John ******
John ******
Wise use Kasikorn Bank in Thailand, if you have a Kasikorn account it will show as an international transfer, any other Thai bank it probably won't because it will be transferred from Kasikorn to your non Kasikorn Bank account.
Richard **********
Richard **********
John Rudd Wise transfers to my Bangkok Bank account show as "International funds transfer", fwiw
Greg *********
Greg *********
In all honesty, why deal with the hassle. Leave the see 800k baht in the bank. No reason to deal with Wise, use your bank and transfer the money in to Thai bank account once and its done with. I use my Charles Schwab account to live off of. My SS gets transfered into it every month.
Keith ************
Keith ************
Starting from scratch, as a US citizen, the only way to qualify for an extension is 800k in a Thai bank (or an agent). You can't qualify for the income method for your first extension.

If you want to do the monthly method, get a non-0 in the US. Come to thailand and open a bank account. Deposit 800k. In 90 days or less, you'll extend your permission to stay. That's what the 800k is for. Before that extension, also start depositing 65k every month from the US, and your second yearly extension can qualify for the income method.
Greg ********
Greg ********
OP
Keith Livingston great advise. Thank you.
Keith ************
Keith ************
Greg Gursey you're welcome.
Greg ********
Greg ********
OP
Keith Livingston but I thought the source is also important. That was my question.
Keith ************
Keith ************
Greg Gursey yes or no, depending on your immigration office. Some ask if the source of the money is a pension, but many don't. In terms of the source being overseas, I've used Wise for many years but recently, for some reason, they've stopped coding my transfers as foreign, which causes me a hassle. Wire transfer will work, but it's a bit more expensive.

And Wise coding the transactions as foreign may depend on your Thai bank. Wise may also decide to change their Thai partner at any time.
Greg ********
Greg ********
OP
Keith Livingston I should have said my second extension. That is what I meant.
Neil *******
Neil *******
Having reviewed all the various Thai Goverment and Foreigner well intended 'replies'/'comments'/'observations', I would NOT be comfortable letting Thailand having such a grip on my finances. Be careful and only invest in T/Land what you can afford to loose.

As soon as visitor revenue drops, as it will, THE RULES WILL CANGE.
Greg ********
Greg ********
OP
Neil Wragg not sure how this relates to my post/question, but thanks anyways.
Irina ******
Irina ******
We've been renewing our retirement visas for several years, showing monthly income of more than 65,000 baht... There are a few points without which your documents will not be accepted: 1. The money must come from abroad - this is reflected in the bank statement. If there is no note that it is from abroad, the immigration office will not accept it. 2. In addition to the income, there must be a letter from the Embassy (ours does, but not all Embassies provide confirmation letters that this money is your pension). 3. Income - strictly every month more than 65,000. You can't have 64,000 one time and 66,000 the next. If at least one of the three points is not met, the visa will not be issued.
Greg ********
Greg ********
OP
Irina Thai but plenty of US citizens use the monthly income and can not get the letters from their embassy. So this is incorrect.
Michaël *********
Michaël *********
Greg Gursey probably depends on the province and agent plenty of bureau don't accept monthly at all.
Irina ******
Irina ******
Greg Gursey We're not US citizens. The immigration office gave us a paper with these conditions. It was mandatory. How do US citizens prove that this money is actually a pension? I don't know. My country issues the paperwork. We were fine. In the first few years, they generally accepted bank accounts from their country of citizenship, but now they only accept Thai ones. But this past year, we switched to an 800,000 baht account. It's easier, and we both have the same amount, so it's not that much (I have a follow visa).
Ian **********
Ian **********
If you use Wise to transfer into your Thai bank then when you get to the reason for transferring you must choose 'Funds for long term stay in Thailand' and this will show as an international transfer, and you can also select yes for an international exchange receipt.
Ally ************
Ally ************
If you bank with Kasikorn (K-bank) you shouldn't have a problem with the coding showing as 'international' when using Wise for your remittances.. historically, Wise has used K-bank as it's correspondent bank for all incoming payments to any Thai bank account.. this means if you bank with Bangkok bank for instance.. your transfer goes via K-bank and they forward it on to BB within the local banking system.. consequently, it will show as a local transfer rather than an international transfer when it hits your BB account.. and to resolve this you have to request a letter (certificate) from BB to confirm the original source of the deposit.. so if this happens it can be corrected albeit not by the actual coding on your bank statement.. having said that.. it's my understanding that Wise is seeking authorisation from the BoT to amend its status.. which would mean it can transfer funds directly to all (or maybe most) Thai banks in the future.. but I don't think this has been sanctioned as yet 😉
Brian *******
Brian *******
I don't know why people get into this. I did it for the first 2 years and then 1 year my money went below 400k for a single day and immigration refused my application. I went to a visa agent, paid 10k and got the extension done in a week. Ive used the same agent for 3 years and never been rejected. Before anyone jumps in saying my extension isn't valid, ive been to the UK 4 times and the Philippines 4 times and never been questioned at passport control in Bangkok
Brian *********
Brian *********
If Wise does not label your transfers as FFT. Foreign Funds Transfer. You will have a problem.
Bill *********
Bill *********
I'm always perplexed by how people make it appear to be an advantage of doing 12 transfers per year, very precisely without any errors or delays whatsoever, compared to doing a single deposit once and forgetting about it. Keep the B800k which presumably you already have established and then use transfers to top off the tank when and as needed. Far simpler, and safer.
Daniel *********
Daniel *********
@Bill ********
My Thai wife and I prefer to keep all our savings in Thai and American stocks where they earn us money. I've been using the 12 monthly payments option for several years with no problems. I'd rather do that than have a lump sum just sit there. Our savings are up about 12% this year so far.
Bill *********
Bill *********
Daniel Werning That lump sum has to set somewhere so I have no problem having it reside in a Thai bank. For those that complain about missing interest, I just do a couple extra stock option trades and that'll be covered easily.
Greg ********
Greg ********
OP
Daniel Werning Cash is the only assets class the consistently loses every single year!
Greg ********
Greg ********
OP
I should correct this. Cash didn’t lose in 2009 and 1955. Those were the only positive years in the 90+ years!
Greg ********
Greg ********
OP
Daniel Werning exactly
Tomas *********
Tomas *********
Bob **********
Bob **********
You need 12 consecutive months of international transfers of 65k or more then you can switch,you can show your SS 1099 at the time of extension but you need the full 12 months transferred in not in a WISE account
Penny ******
Penny ******
Here is what I do:

I have a Charles Schwab investment account and I have my Social Security check deposited to that account.

It is in excess of the required amount needed, but our monthly expenses are below too. So monthly I transfer $2300 dollars, 70 to 75k bhat … to my Krungsri bank book which has my 800k bhat … at the end of the year I have a complete record of monthly deposits and withdraws (70k bhat) each mth.

Schwab charges $15 for the wire transfer.

This is what I do, I hope that helps 👍
Mary ********
Mary ********
My first point would be that
*****
baht a month is an awful lot for most of us over here to spend over here and equates to close to the 800k required. Most of us could not spend that much a month even if we tried. Be careful as an American about building up too much in your accounts as it could have implications for taxes. This said, only the bank account in Thailand can show the money - wise is a vehicle to transfer from one to another account. Make sure each transaction is shown as funds for longstay overseas so it deposits correctly in your Thai account and choose your bank wisely as some drop this off in their data entry.
Greg ********
Greg ********
OP
Mary Gerber not for “most of us over here”

No way. You are a minority, not the majority. Sorry
Mary ********
Mary ********
Greg Gursey Costs really depend on you and what your needs and wants are. There are a lot of variables in how much each person needs to survive. While some retirees burn through their money quickly - IE high rise condo in a heavily trafficked area and eating the same foods they did at home every single meal, hitting the bars every night etc - those that venture outside of those areas, eat mainly Thai food, live simpler lives and blend into the Thai culture around them, pick up a few hobbies to do and stop being in vacation mode - life is a quarter of the costs and you reach a point that what you planned to spend versus what you actually spend causes an accumulation of funds to occur and as an American citizen, what you have in your accounts as accessible cash can impact your fbar reporting and cause you to have to pay a higher taxes to the US. I'd hate to see others hit the same track I did and have to pay more in taxes over a mistake easily avoided.
Mary ********
Mary ********
Greg Gursey I should have said most of us, who live outside Bangkok, Pattaya or any other major tourist hub, because once you get out of the city, and away from the bar scene, and once you cease being a tourist yourself, life here is far less costly. Costs really depend on you and what your needs and wants are. There are a lot of variables in how much each person needs to survive. While some retirees burn through their money quickly - IE high rise condo in a heavily trafficked area and eating the same foods they did at home every single meal, hitting the bars every night etc - those that venture outside of those areas, eat mainly Thai food, live simpler lives and blend into the Thai culture around them, pick up a few hobbies to do and stop being in vacation mode - life is a quarter of the costs and you reach a point that what you planned to spend versus what you actually spend causes an accumulation of funds to occur and as an American citizen, what you have in your accounts as accessible cash can impact your fbar reporting and cause you to have to pay a higher taxes to the US. I'd hate to see others hit the same track I did and have to pay more in taxes over a mistake easily avoided.
Jake *****
Jake *****
Mary Gerber i spent 65k in 3 weeks last time i went
Mary ********
Mary ********
Jake Fit so on holiday, not actually living here. Hotels cost a lot more than long stay rentals. Holidays are for drinking, partying and being a bit extravagant. Day to day life, if you treat it like you treat a holiday, you'll run out of funds long before you stop breathing.
Glen ********
Glen ********
Mary Gerber choose the bank wisely yet you give no information on what might be a good bank as far as you're concerned
Mary ********
Mary ********
Glen Prince unfortunately - each branch is independent and run differently so me telling you which is good near me will not be the same as your local branch... because Thailand.
Bill *********
Bill *********
Mary Gerber You're joking with us a little bit right? Can't spend that much even if we tried? Hahaha!B65K would cover my insurance and my condo, but barely. Factor in other things, oh like eating, utilities, transportation, travel etc. and B65K is not big money.
Alex *****
Alex *****
@Bill ********
maybe she was talking about the
*****
0 baht
Greg ********
Greg ********
OP
Alex Pol no, she clearly said “$65,000 bhts a month”
Tomas *********
Tomas *********
@Bill ********
might working if you are living in a rural areas, no car no motorcycle, no insurance eating only thai food from the street.
Mary ********
Mary ********
@Bill ********
As a couple living our best life we spend around 20,000 a month and thats it. Mind you, some do live in more expensive places than we do but that is their choice.
Rogelio *******
Rogelio *******
If it's wise international and you deposit the 65k into kasikorn bank it is reported as an international transfer. I just confirmed this yesterday at the Maya mall k bank office. Chiang Mai.

I was using Bangkok bank and it will not guarantee this. Wise is using k bank as their point of entry to Thailand.

The most secure is have your SS checks go directly to a Thai bank.

Source of income I don't think matters but I'm not 100% sure.
Richard **********
Richard **********
Rogelio Nunez Fwiw, my Wise transfers to Bangkok Bank all show as "International funds transfer"
Stuart ***********
Stuart ***********
Rogelio Nunez this is great advice. My only caveat would be the date your social security payment goes into your account. You need 12 months of 65,000 baht. If you miss 1 month, even by a day you have problems. I did what you suggested and my pension provider changed the date they issue my monthly payment from 3rd to 30th of previous month, so I had a situation where I would have had a month missing, so I corrected it by sending an extra 65,000 baht. Now I am on a tightrope worrying if there is ever a day or two delay from 30th. I am going to change it so my pension goes into my uk bank account and transfer the money via Wise to Kasikorn mid month to ensure I don't have problems in the future. Apologies for the lengthy explanation.
Greg ********
Greg ********
OP
But don’t the monthly payments have to comes from a pension type of source? I read about problems with monthly payments to the Thai banks, and people advising to only keep the $800,000 for renewals.
Kool *******
Kool *******
Greg Gursey just have your social security direct deposited into you Thai bank account.
Greg ********
Greg ********
OP
Kool Breez can’t do that. They don’t deposit into foreign bank accounts.
Greg ********
Greg ********
OP
Dca Dca awesome. Thank you. I see it is a paper form you send to Manila. But at least it is the best option. And I can use Kasikorn Bank. This will work perfectly for me. I will also have monthly payments come from Wise, as a second source of monthly income. Kind of a safety net.
James *******
James *******
Greg Gursey Scroll down and read info in the the 3rd bullet point, then scroll down to see the FBU Manila's email addy. Write and ask for them to send you instructions on how to have your SS benefits sent Directly into your Thai bank account. Afterwards, ALWAYS check your mail for their "proof of life" request (Form SSA-7162) that you are responsible to complete and remit to continue to receive your foreign benefits via direct deposit. They may, or may not, request for you to complete this yearly👍

Social Security Administration - U.S. Embassy in the Philippines
**************************************
Dca *****
Dca *****
Greg Gursey Yes they do.... There are many Americans who receive monthly "Direct Deposit" (international wire transfer) of their Social Security Retirement Benefits (RSDI) into their Thai bank accounts in Thailand or other foreign bank accounts in various other countries around the world directly from the federal U.S. SSA Social Security Administration
John **********
John **********
You won't be able to prove anything with wise, it is just a means of transfer. The only proof that an immigration office will accept is 12 monthly transfers of a minimum of 65k baht each month from overseas immediately prior to applying for the extension. Some immigration offices may also want to see proof of where that income comes from such as pension statements etc but most don't
Brian *******
Brian *******
@John *********
when you use wise to transfer money to Thailand , there's a drop down menu asking why you are sending the money, and 1 of the options is for immigration purposes however immigration never asked me to show them. And its categorized as an international transfer
John **********
John **********
Brian Jeram yes Wise has options but doesn't guarantee they will always work. Immigration only go by how the money is shown in your thai bank account if you need to show the money originated from overseas

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