What are the requirements and best options for obtaining retirement visas in Thailand for US citizens currently in Malaysia?

Jun 1, 2021
3 years ago
Scot *******
ORIGINAL POSTER
Hello. I am in Malaysia, have been since Feb 2020, US citizen. We came in by train from Thailand and got stuck here. In April, most of us here on an expired 90 day social visit pass were told to leave the country, no more amnesty. We were fortunate enough to get a visa to stay longer. That's a bit of our story. Changing gears now.

I've attached the visa application for Thailand used in Malaysia. We were familiar with the TM forms in Thailand and were surprised to see that in Malaysia they use the same form for all visa types. I also attached the checklists for two visa types. It seems that we would not be able to apply for the O-A, not that we would want to, as we are not permanent residents. We are interested in retirement visas, but the checklist looks suspiciously like an O-A visa with the insurance requirements. Thoughts on that? The criminal background check seems a bit of a hassle considering the mail is not in the least reliable from other countries at this time. The problem we have with the regular tourist visa is first that we would have to have an exit ticket, even though we want to retire there, but this seems unavoidable anyway, and second that we have to have our full stay accommodations paid for, and who travels like that? So, we are leaning towards using a visa exempt entry. This does give us 15 days less than a tourist visa to get things done. And while people have said a Thai bank account can be obtained without a visa, it seems some in here are having problems getting one opened. All the times we've been in Thailand over the past 3 years have been using a visa exempt entry. And every time to my frustration now we were told by people that we can't get a bank account without a visa, so that was always our mindset on the issue. From what I've read in here, that seems to be wrong. Sorry for being long winded on this. Thank you for any advise you have to offer.
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TLDR : Answer Summary
The user, a US citizen currently in Malaysia, discusses challenges faced regarding visa applications for Thailand, especially for a retirement visa. They mention issues with visa requirements, such as insurance and criminal background checks, express concerns about obtaining a bank account without a long-term visa, and share experiences of previously traveling on visa-exempt entries. The comments provide various suggestions, including the benefits of obtaining a tourist visa, extending it for a retirement extension, and the potential difficulties of opening a bank account as an expatriate without a long-term visa.
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.
Scot *******
ORIGINAL POSTER
Thanks all for the responses.
Ernesto ********
Go back to America and get the proper visa to live in Thailand. Doesn’t sound like you obtained correct visa to live in Thailand in the first place.
Deborah *******
I sent you a PM with some info.
Scot *******
ORIGINAL POSTER
@Deborah ******
- OK, I found it again. Thank you. Messenger has a way of hiding stuff.
Scot *******
ORIGINAL POSTER
@Deborah ******
- hello, I saw you had sent something, but I can't seen to find it, can you please resend? Thank you
John *********
Does anyone know if the criminal background check is needed if one applies for a Non O visa for retirement in Thailand? I thought I saw someone comment on a previous post that it was not required.
John *********
If you do need the criminal background check, look at the US embassy site (I am assuming you are a US citizen from a previous comment) in the country you are in. There are few options for getting your finger prints taken that are acceptable and it will list where to get them done. You need to mail them in but you can get the results online and print them out.
Dianne *****
Listen to
@George ************
and
@Nigel *********************
. They are giving accurate info
David *********
If you don’t mind spending the extra money, up to 30,000 THB then you should come in on a Tourist Visa and go to a Visa Agent. It will all be arranged for you. And yes their will be people that will reply to this post and say do it yourself for 1900 THB. The more you pay the easier it gets. After the first retirement visas for my wife and I we do it ourselves.
George *************
@David ********
It wouldn't take me long to figure out if I wanted to spend 1,900 baht or 30,000 but I get that people are different and some are willing to pay extra for the convenience. The only caution I would make about using an agent is to use an agent that is going to use your immigration office (not some other immigration office where you don't live because they "know" someone at the other office) and that is going to help you open a bank account and actually put your 800,000 baht in your account for the required time, rather than use hocus-pocus to make it appear that you have satisfied the financial requirements when you haven't. The reason for doing it by the book, but with help, is that when you decide to not use that agent in the future (because you finally figured out that 1,900 is a lot less expensive than 30,000) you want to be able to make that decision. You don't want to have to deal with that agent forever because of the corners that were cut on your behalf. You don't want to get into the situation where now you want to go straight but the gang won't let you.
Wayne ******
@George ************
I made.that mistake ...all because of a mistake in my bank....I had no choice ...but it made everything more difficult when I did my reports and renewal...so I had to leave the country for a year ...to let things calm down...and then got a new visa .
Dianne *****
@George ************
very good advice
George *************
As said above if vaccinated and can wait for July 1 you might be able to avoid quarantine by going to Phuket.
George *************
Get the tourist visa (60 days). In Thailand open a bank account and transfer the 800,000 baht equivalent into a Thailand bank account (using Wise, SWIFT international wire, or other means). Apply for a Non-O visa for purpose of retirement at your local immigration office and receive a Non-O visa good for 90 days. Let season in account for 2 months, then as soon as possible apply for retirement extension at immigration.

You reference us. If that is you and your spouse, then one of you can get the retirement extension and the other can get a dependent extension based on the one getting the retirement extension. The advantage of this is that only one of you has to have the 800,000 in the bank. The other would have no financial requirements but would have to show marriage to the primary person.

This is the best way of getting on an annual retirement extension bandwagon based on a Non-O. Such extensions, unlike those based on a Non-OA (the A is significant), do not come with ongoing health insurance requirements using immigration-approved Thai insurance companies (400,000 outpatient/40,000 inpatient).
Scot *******
ORIGINAL POSTER
Thank you for the responses.
Michael *******
Very good post George . Scot you will not be able to open a bank account with visa exempt
Alessandro **********
@Michael ******
can be done with UOB (at least Central Bangna branch). Passport and a rental contract are enough. The only drawback is that they require an initial 50k baht top up. In short, you go there with 50k in cash and 1 hour later you walk out with a brand new account having an initial balance of
*****
baht.
Scot *******
ORIGINAL POSTER
@Alessandro *********
- where is this bank please?
George *************
@Scot ******
Believe it's in the Central Bangna shopping center:
*************************************
Greg ********
@Michael ******
It has been possible in the past. Depends on branch. Maybe these days you might need an agent.
Scot *******
ORIGINAL POSTER
@Michael ******
- that certainly contradicts a lot of other people on here who have said it can be done.
Timmy ******
@Scot ******
I came into Thailand Visa Exempt this May. I was able to successfully obtain a Thai Bank Account with Krungsri at Tesco Lotus by On Nut BTS. Required documents: Passport, Proof of 1 Year Lease Contract. Cost 300 baht for ATM card and minimum Savings Account Deposit of 500 baht....800 baht total. They even helped me setup Bank App on my phone. Whole process only took about 45 minutes.
George *************
If you are going to pursue retirement extension and dependent extension the secondary one of you (the one married to the primary) has to obtain their Non-O outside of Thailand (at least this is the case in Phuket). In other words, the secondary one would need to obtain a Non-O while in Malaysia from the Thai embassy. This is important because while people can typically get a Non-O in Thailand, to take advantage of the piggybacking, the secondary must have entered Thailand with a Non-O, otherwise, they can't piggyback in this manner.

Of course, you can both apply for Non-O in Malaysia and make the work in Thailand a little more straightforward.

******************************************************
Scot *******
ORIGINAL POSTER
@George ************
- certainly everything will fall into place if we are able to get a bank account open. That's the trick. Does it make any difference coming in visa exempt with regards to opening an account?
David ******************
@Scot ******
I entered with visa exempt, get visa agent and switch to retirement visa, agent will open bank account with you
Richard ********
@David *****************
@Scot ******
cost is from 28,000bht to 40,000bht depending on agent and location.
David ******************
@Richard *******
yes I paid lower end in pattaya, spot on
Thomas ********************
I got a "letter of reference" from my embassy. That made it easy to open an account (Bangkok Bank.) Pretty sure the guy didn't even check what kind of visa I was on.
George *************
@Scot ******
Michael Potts there may not be anything official about it but banks are very reluctant to open accounts for people who are here on anything less than a long-term visa (90 days). Banks are reluctant to open accounts for Americans and you can thank FATCA and other heavyhanded tax policies of the US government for that. Even with a Non-O it can be difficult. Try and try again. You may need to get a letter from the US Embassy Bangkok stating that you're a US citizen, displayed a real passport, and live at the address you indicate. Cost $50. If all else fails an agent can usually help you open an account. It helps if they know you're going to be depositing 800,000 baht into the account and largely leave it there (which they may realize if they understand it's for a retirement extension of stay).
Nigel *********
@George ************
this is kind a what I was alluding to, but to tired to write it all out... Good post
Nigel *********
Are you vaccinated?
Scot *******
ORIGINAL POSTER
Nigel *********
@Scot ******
so. If you are you can get in to Phuket from July 1st without ASQ. Go for the 60 day TV that you can extend once (total 90 days) gives you time to open a bank account and transfer the required money for the required amount of time) people do get bank accounts on TV, just need some shopping around.
Scot *******
ORIGINAL POSTER
@Nigel *********************
- we are ineligible for the vaccine at this time.
Nigel *********
@Scot ******
same here.
Steve *******
It's a generic visa form. Just fill it out for the visa you require.
Scot *******
ORIGINAL POSTER
@Steve ******
- yes, I know it's a generic form, that was kinda my point. The real issue was with the visa types and requirements.
Steve *******
@Scot ******
Choose the one you want, you have to meet the requirements set by the Embassy/Consulate.
Scot *******
ORIGINAL POSTER
@Steve ******
- and I believe the requirements look like an O-A visa.
Scot *******
ORIGINAL POSTER
@Steve ******
- I don't believe the retirement visa checklist is for a retirement visa. Did you read my post?
Joanne *********
Get the 60 day tv, it can be extended once in thailand.
Nigel *********
Yes. Tr visa gives you 60 +30(one extension). Visa exempt currently gives you 45 days + 30 extension (normally 30 + 30 but extended temporarily to cover quarantine).
Scot *******
ORIGINAL POSTER
@Joanne ********
- a possibility, but it may not be our best option. The extension would still be for 30 days, correct? Same with the visa exempt entry.
Joanne *********
The visa exempt is extendable only once
Lisa ********************
@Joanne ********
currently have 60 day Covid extension that many people have used several times.
Joanne *********
@Scot ******
i have read that it's extendable twice and for 60 days each time giving 6mths in total.
Greg ********
@Joanne ********
Single entry tourist visa extendable once for 30 days giving 90 days in total. Covid extensions for 60 days completwly different
Joanne *********
@Greg *******
thanks everybody the info.
Scot *******
ORIGINAL POSTER
@Joanne ********
- this info seems different from what I've read. Will have to look again.
Joanne *********
@Scot ******
i'm in similar position as you. Will apply for tv based on what i read on thai embassy website. Tv can also be converted to other visas so gives a bit of flexibility
Scot *******
ORIGINAL POSTER
@Joanne ********
- my reading is still that the tr can only be extended once for 30 days.
Rei ***********
The best thing you can do is to go back to usa and come to Thailand when it's already open for tourists
Scot *******
ORIGINAL POSTER
@Rei **************
- it is open to tourists, and we're not going back to the USA.
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