@Pete ******
First of all, you need a Thai bank account in order to be able to apply for the 90-days Non-Imm-O Retirement Visa inside Thailand
You must apply for the "change of visa type" from the 60-days tourist visa or the visa-exempt entry, to the "90-days Non-Imm-O Retirement Visa", as soon as possible after having opened the Thai bank account.
You need a bank letter confirming that the 800,000 THB are sitting in the account and a proof that they came from overseas.
You need a rental contract and you will need a minimum of 15 days stay permit left on your entry stamp in order to apply.
This application costs a 2000 THB fee, the 90-days visa will be issued for 14 days "under consideration". After 14 days you visit Immigration again and pick up the stamp
And as soon as the money has seasoned in your bank account for two months, you can apply for the "1-year extended stay permit based on retirement"
(which some people call "retirement visa" but which is NOT a "visa" but a stay permit).
This application costs another 1900 THB fee
Keep in mind, in order to get any service from Immigration, you need to be properly registered in your accommodation by the TM30 registration system
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Agents since February 2025 have found a way to get a Thai bank account opened for you even if you are on a visa-exempt entry or on a tourist visa.
If you are willing to follow the agent through the whole process of doing the "change of visa type" to a 90-days Non-Imm-O Retirement Visa, some agents now have agreements with the bank and Immigration.
Immigration will allow the application to the "change" in the absence of a bank account, and issue the Non-O visa for 14 days "under consideration".
The applicant takes the Immigration fee receipt (2000 THB) to the bank, the bank sees that the applicant is intending to get the Non-Imm-O visa, so now the bank is willing to open a bank account on it.
Once opened, the applicant transfers a minimum of 800,000 THB onto it as soon as possible. When the "under consideration" period ends, Immigration will put the visa stamp into the passport. And as soon as the money has seasoned for 2 months, the applicant can apply for the 12-months Extension of the Stay Permit Based on Retirement