What are the requirements for extending a 90-day Non-O Visa in Thailand using the combination method for financial proof?

@Paul ******

Some basic knowledge about the "combination method"

You can provide proof of finances using the income method, the deposit method, and a third method: the combination method

A mixture of income and deposit.

For this, many immigration offices require a minimum deposit of 400,000.- THB.

Added to the proof of a monthly income, the yearly total must be ABOVE the required 800,000.- THB.

You have to be careful using a proof of income, because a change in the exchange rate can ruin the calculation - if you fall below a certain level, you would immediately be in "overstay". So you need a "buffer" in order to survive a drop of the exchange rate

An example:

You got a deposit of 420,000 THB. This would require another 420.000.- THB in yearly income, with the extra 20,000.- THB being the “buffer” in case of an exchange rate drop.

Thus, the monthly income must be at least 35,000.- THB

The combination method isn’t accepted by some Immigration offices since the rules for maintaining the deposit changed in 2018.

For the deposit method the change meant, on the date of application, the 800,000.- THB must have seasoned in the account for 2 months, then after the “1-year extension” has been issued, remain in the account for a further 3 months, and must never fall below 400,000 THB during the rest of the year.

Some Immigrations just haven’t made up their mind on how to calculate this in case of a combination method.

By the way: The combination method is not accepted for the application to the "1-year extension of stay based on marriage with a Thai wife". Here it only is either deposit or income.

@Paul ******

The U.K. Embassy in Bangkok since many years, does not issue an income affidavit any more.

Since you are a British citizen, your only option for the first year of an “1-year Extension of Stay Permit based on being over 50/retirement”, is the deposit proof of a minimum of 800.000.- THB in a Thai bank account in your sole name. On the date of your application to the "extension", the money needs to have seasoned for 2 months, and you need the bank letter that proves it

If your income is over a monthly 65.000.- THB, you can use the “income method” in the second or in the third year.

You can start to transfer from abroad a minimum of this amount, month for month, into your Thai bank account. The transfer MUST be “FET” coded as having come from abroad, this is a requirement from Immigration.

After you have collected 12 months of transfers, and the bank has issued a 12-months statement of having received the transfers from abroad, you can theoretically use this 12-month statement as the financial proof required for the application to the next “1-year Extension of Stay Permit based on Retirement” and free your 800.000.- THB deposit

*** The Combination Method:

Since you cannot produce an income affidavit from your embassy, the combination method is no option for the first year

It MIGHT become an option in the second year, if you have collected said 12 months of transfers, month for month, and the bank statement.

However, not every Immigration allows the combination method. Some don’t allow it in the first year (which actually is not an option for you)

Some Immigrations might even require the deposit part to be a minimum of 400.000.- THB

You need to visit “your” Immigration and ask them if they allow the combination method, and what the requirements are like

Some immigration offices require at least 15 days remaining on your visa to process the one year extensionson

The UK Embassy doesn’t provide income affidavits so for the first year extension off of a 90 day non O based on being over 50 you cannot use the income method or a combination. It has to be 800k seasoned for two months prior. You need to keep it in the bank for three months after applying and the balance cannot go below 400k for the remainder of the year.

If these conditions are met then the following year you can switch to the income method of having 12x monthly international transfers of over 65k (or if your immigration office allows, a combination).