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What are the requirements and process for obtaining a retirement visa in Thailand under the Non-O category?

May 28, 2025
3 days ago
Scott ********
ORIGINAL POSTER
The retirement visa requirements are confusing me. You have to open a Thai bank account and maintain a minimum balance  to apply for the retirement visa, but in order to open the account, you have to show that you already have a long-term visa…. which you can’t get until you get the bank account ? Can someone please straighten me out? 
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TLDR : Answer Summary
Obtaining a retirement visa (Non-O) in Thailand can be confusing due to requirements for a bank account and maintaining a minimum balance. You typically need to show funds in a Thai bank, but opening the account usually requires a long-term visa, creating a catch-22 situation. It's recommended to apply for a Non-O visa before arriving in Thailand, which allows you to enter on a short-term basis to establish residency and open a bank account. Recent changes have made it more difficult to open bank accounts as a tourist, and accessing thorough documentation or assistance from visa agents can simplify the process. Funds in the account must be maintained to meet ongoing visa requirements.
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.
Lna ******
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Chris *******
It has recently become almost impossible to open a bank on a tourist entry. I witnessed at Krungsri Bank TODAY a foreign fellow be told by the bank that he has to close the account or provide the required documents. He is currently unable to use it.

So bank accounts are a very real problem now.

There are different paths to achieve a visa.

The path you are speaking of is 90 day NON-O based on being over 50 (commonly called a retirement visa), beginning with a 90 day Non-O visa, then extensions after.

IF you cannot open a bank account, (as of today not very likely), then you need to get the visa from an embassy, based on money in your home accounts.

Once you enter Thailand on said Visa then you will need to apply for a 1yr extension.

(Opening a bank is now possible with a proper non tourist visa.)

FOR this you need the money in an account in Thailand.

Most offices require the money to season for 60 days. *a couple rogue offices want 3 mths. Have to ask your local office.*

Once the money has seasoned then you apply for the 1 yr extension.

At that point the money has to be in the bank:

800k 3 months after approval

400k ALWAYS

800k 2 months prior to next extension application

This is the way based on your question.
Bill *********
This is where a visa agent enters the picture. She was great for me and I got it all taken care of after I arrived in Thailand in under a day.
Mark ******
Well that clarifies it all .clear as mud again 🤣🤣🤣🤣
Greg *****
There is Non O-A and Non O.. O-A you get before arriving into Thailand via embassy and will give you time after arrival to open bank account.. research both options it will become clear.
Keith ************
@Greg ****
you can also get a non O before coming to Thailand. It's the better choice for most situations.
Greg *****
@Keith ***********
actually I stand corrected. My friend Mr Grok clarified that while Embassy’s generally issue O-A, Non O can in-fact be issued externally. Mind you TIT so we cannot take Groks take on how an IO would/should behave. Partial extract of the Grok output as below.

Non-Immigrant O Visa (Retirement) Inside Thailand

The Non-Immigrant O visa (retirement category) is commonly used by those over 50 who wish to retire in Thailand. It can be initially obtained abroad or, in cases, applied for or extended inside Thailand through a change of visa status or extension of stay at an Immigration Office. This visa is often simpler to extend annually compared to the O-A or O-X visas, as it may require fewer documents for extensions, depending on the local Immigration Office’s discretion.
Greg *****
@Keith ***********
as I understand Non O is only available in Thailand (and you would enter under a tourist visa or similar ) and it’s via Immigration Office.. Non O-A is outside from Embassy only(And once upon a time a Non O-X) . Same end result retirement Visa though, just slightly different paperwork. I’ve been on non O for 11 years and it has less requirements so yes it’s a better choice if you have the prerequisites. Mind you if you are just starting out then O-A is perhaps the only way if you haven’t the agent connections to orchestrate a bank account.. which has become very difficult lately as you no doubt read. I wish everyone luck. I’ll sign off now and allow others to offer their thoughts
Jón **************
Or do this throw agent, it's easy, they will confirm your address every 90 days and you don't need the 800k😉
Stuart ***********
As long as you meet the requirements, until you die.
Jón **************
@Stuart **********
so you can renew 90 day non-o visa in immigration? Do you know how much to renew and requirements?
Stuart ***********
@Jón *************
each immigration office is slightly different, so the best thing to do is go to the office and ask for their list of requirements for the extension. It's usually; photocopies of all documents, passport, passport size photos, information from your bank, your lease agreement or tabian baan if you own a house, a hand drawn map of where you live. There's a 2 sided a4 form to complete with about 15 basic questions like; name, passport number, address, date entered Thailand. It costs 1,900 baht and on average takes me 45 minutes each year.
Jón **************
@Stuart **********
each year! So your on retirement visa?
Stuart ***********
Stuart ***********
Lot's of people use agents legally because they perceive the visa process to be problematic or they might have health issues.

Some use it if they don't have (or want to tie up their money in Thailand), but this is illegal and people do get deported as a result. The rules are there for good reasons (to ensure people have enough money if they need medical treatment etc). If someone doesn't want to deposit 800,000, they can avoid it by applying for the non OA visa instead, this mandates they have health insurance instead of money in Thailand.
Jón **************
@Stuart **********
can you renew the non-o visa endless?
Graham ******
@Jón *************
but live in fear of Immigration knocking your door which does happen
Jón **************
@Graham *****
they will do that to even you do all the process your self.. that's normal
Stuart ***********
@Jón *************
I think Graham is pointing out it is illegal to not have the 800,
*******
,000 in your bank account, so if they knock on your door, your visa will be cancelled and therefore deported (this does happen).
Jón **************
@Stuart **********
so you mean you must have this 800k all the time? Let's say you stay 15 years there
Stuart ***********
@Jón *************
depends. If you are from a country that provides the affidavit, no. If you transfer 65,000 per month, no. If you are relying on the money in a Thai bank method, it can drop to 400,000 2 months after the extension is granted, but it must be topped back up to 800,000 3 months before the next annual extension.
Jón **************
@Stuart **********
i dont think these rules are ever followed.. then agents wouldn't have any clients! They go by this 800k rule somehow
Gerry *******
@Stuart **********
that is not 100% true. If you have a certain amount of retirement pension, that can offset the amount required in the account for the visa if you need any at all.
Graham ******
@Gerry ******
It is 100% true if you do not fully meet the conditions of your extension, it's called fraud
Gerry *******
@Graham *****
you do you boo. No where did I say do anything fraudlent.
Stuart ***********
@Gerry ******
Jon was stating an agent can help circumvent the 800,000 requirement for the first year, that is illegal. If the person is from a country that provides the affidavit, there's no need for 800,000 at all. For the second year you can switch to 65,000 per month transfers instead.
David ******
What do you mean they have just shut the bangkok bank to all foreigners .
Paul *********
@David *****
on tourist visas
David ******
@Paul ********
That's awesome, I didn't think you could get a bank on a tourist visa.
David ******
********************************************
Mike *******
Following for info
James ******
It has to be in a Thai bank account three months before you apply for renewal
Wylie *******
@James *****
the op is talking about when you enter Thailand on exempt or tourist visa and want to convert that to the initial 90 day non-o inside of Thailand, which requires the finances to be in Thai bank account. Now that they have been making it harder and harder to open an account on a tourist visa its more of a catch 22 situation. One of the workarounds is to apply for it outside of thailand, which only requires you to show the finances somewhere, not necessarily in a thai account.
James ******
@Wylie ******
then he said to get a renewal. I only have to bring money into a Thai bank before. You never mentioned time.
Bob **********
@James *****
Apparently Thailand only wants the DTV an ED people they want no more long stay expats spending all the money the worked there whole life for
Tony **********
@Bob *********
not sure how you come to that conclusion. Non-o through an embassy before arriving works well. One could question the sincerity of someone entering on exempt or another visa and then deciding they want a non-o.
Bob **********
@Tony *********
it’s the only way to open a bank account many people do it in country but you need the bank account so a lot use agents here
Tony **********
@Bob *********
think those days are mostly past...
Wylie *******
@Tony *********
it is quite common, or at least was, when talking about the non-o based on marriage such as myself and the op. I moved here on a tourist visa, got married to my fiance and converted to the non-o. All without having to leave the country.

Like the op, I couldn't apply for for the non-o in my home country before moving since we had not gotten married yet. Now in that situation one just has to fly to a neighboring country to apply for the non-o since its far more difficult to open the bank account on anything but a longterm visa. This was not the case several years ago.
Tony **********
@Wylie ******
correct, but it is the case now...
John **********
Get the Non-O based on age before travelling to Thailand. This gets you 90 days in Thailand and makes it much easier to open a bank account, a residence certificate from immigration will also help. Do this within the first week or so in Thailand, transfer in 800k baht as it has to be in the account for 2 full calendar months before you apply for the extension. Then sort out your lease
Garrett ***********
Apply for a Non-O at the Thai embassy in the US. Then the money doesn't need to be in Thailand until you apply for a yearly extension.
Mark ********
@Garrett **********
incorrect thr
*****
0 must be in the bank 60 days before you apply for the year long retirement visa extending.i just did this today.
Wayne ********
@Mark *******
that’s what he said
Garrett ***********
@Mark *******
The only thing incorrect is your ability to read, comprehend, or fit your whole big ass head in the picture frame. If youre applying for a Non-O at a thai embassy in your country, you don't need money in a thai bank. Period.
Peter **********
@Garrett **********
You said the money doesn’t need to be in the bank until you apply for extension, which is wrong. It must be in the bank 60!days before the application for extension.

You tell Mark to learn to read? Hmm… Have you heard about the pot and the kettle?

That said, I understand you’re a bit emotionally unstable when you add you’re having your period… 🙄
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