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Answered2 months ago

What are the requirements for obtaining a Non-O Retirement Visa in Thailand, and can I withdraw funds after meeting those requirements?

Tim ********
asked Aug 18, 2026
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I'm thinking of non o retirement visa. I need thb 800k in my home country for several months prior right? Then after i open account in Thailand I deposit 800k into that and leave untouched for 2 months. After that I get 12 month extension. I can then withdraw the 800k and instead deposit 65k thb per month. Can I theoretically withdraw that 65k every month to live on, just as long as I have 65k deposited every month?
Answer summary
To obtain a Non-O Retirement Visa in Thailand, you must initially have THB 800,000 in your home country's bank account before transferring it to a Thai bank account upon arrival. After keeping this amount untouched for at least 2 months, you can apply for a 1-year extension. Post-extension, you need to maintain at least THB 400,000 in your Thai account and can switch to receiving THB 65,000 monthly transfers from abroad for your living expenses. You can withdraw funds each month as long as you continue to meet the financial requirements, including maintaining the necessary account balance.
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Ric *******
Ric *******
Simply go to the Thai immigration website...Non-Immigrant Type “O” Retirement -
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Doc ********
Doc ********
From what I have read on these sites once in the country go to your local immigration center and ask them for the requirements for your 12 month extension and a list of the required documents.

Never assume it's best to get the good oil from the horses mouth saves any screw ups!!!!!
Joe ******
Joe ******
Contact Nan or Fon. These 2 girls will sort everything out for you. Cheaper than anyone else. Take care of everything hassle Free
Rene ********
Rene ********
No. The first thing you do is Google the official Thai visa site.
Robin *******
Robin *******
You do not need an agent, it is not complicated, it is very easy, just get the check sheet follow it to the letter, immigration where I go are very very helpful, keep your money don’t give it to agents
Craig **********
Craig **********
do yourself a favor...put the 800k in the bank and leave it there while you are making 65 deposits for 12 months then at renewal switch to the 12 monthly payments criteria...you ca draw from the 65k but drawing from the 800k will be limited to 400k...you have the 2 months prior to application and the 3 months post application to deal with so essentially you get to use 400k for about 6-7 months...is it worth it? likely not...just be safe and secure that money...
Andrew **********
Andrew **********
Yes use an agent, so much easier, then you don't have to put 800 k in bank , 45 k for agent. Then 14 k every year to extend. Easy solution if you have the funds 😉
MagentaGo**********
MagentaGo**********
Andrew Greasley how do the agents work? Use the fake bank account statements and stamps ? Thai government has arrested some agents and 400 customers were involved.🤔🤔🤔
Brandon ************
Brandon ************
MagentaGoldfish4443 they don't use any of those things.
Philip *********
Philip *********
If you go down the route of 65k each month yes you can withdraw that 65k each month to live on
Duncan ********
Duncan ********
Good question .. I’m also interested if we’re better off opening 2 accounts. One for the visa requirements that doesn’t get touched and another for daily local expenses.

I’d be interested to hear what others do.
Duncan ********
Duncan ********
I’m also going to be very close to the 180 days tax residency issue due to earlier time in the kingdom in the calendar year. So I’m trying to be as seamless as possible while navigating the system legally while planning to drop cash then return in the fresh financial year to enjoy my life in Thailand 🤗
Alan **********
Alan **********
Duncan McEwen My previous post if you're interested.

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Jeff *************
Jeff *************
Duncan McEwen definitely do that, 2 accounts way easier to deal for next years renewal
Bill *********
Bill *********
Duncan McEwen No just keep it one account. I used my agent to assist with getting my bank account opened up then wire transferred the B800k. Thereafter be sure it does not go below that amount so I push it up to B900k for a safe buffer. I use that account for paying rent, utilities, and all daily expenses. Top off the account periodically as necessary. That's so much easier than trying to do monthly transfers that have to happen perfectly without fail. One and done.
Carlos ********
Carlos ********
@Bill ********
how much do agents charge for this service?
Bill *********
Bill *********
Carlos Taylor For starting out from scratch it was about B55k. Included everything.
Duncan ********
Duncan ********
@Bill ********
how are you going with Thai tax residency ? Any complications ?
Duncan ********
Duncan ********
Alan Rothwell and that’s how I see it too
Alan **********
Alan **********
@Bill ********
Taxes, at least right now, are (still) up in the air, and pretty much no one understands it all.

AIUI, it doesn't matter where the income is generated. If it is remitted to Thailand, it *could* be taxable.

Some sources recommend keeping funds separately, at least in one's home country, to make the paper trail much easier to follow IF it becomes necessary.
Bill *********
Bill *********
Duncan McEwen No issues as there's a tax treaty with the USA and I generate no income in Thailand.
Kool *******
Kool *******
Keep in mind that if your bt800,000 in your Thai bank account drops below bt800,000 for the three months after you get your one year extension stamp, or for the rest of the year drops below bt400,000, then from that point that your account balance drops below those amounts you are on overstay, and not legally in Thailand.
Reti*****
Reti*****
As you can see from above it’s very complicated. It is probably best you use an agent for the first one. As soon as I got my 15 months visa, I switched to the 65k route. I was informed by the immigration officer that this was fine and I could start to spend the 800k from that day. 15 months later, I taken my 12 months bank statement proving the 12 x 65k and got my yearly extension without any questions or problems.
Jeff *************
Jeff *************
RetiredHH you need the
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0 to stay in the account for 3 months after you get your extension before you can start spending it
Reti*****
Reti*****
Really? Not what the IO told me and not what I did.
Pete ******
Pete ******
RetiredHH Nothing complicated about it. If you want to save some money, save the agent fee and do it yourself. If money's no object and you don't want to do the process yourself, pay someone to do it for you.
Reti*****
Reti*****
For the initial one I personally found it easier to just use an agent. After that I have done it myself every year since.
Brandon ************
Brandon ************
No, you have part of it incorrect.

You apply for the non-O visa from your Thai embassy at home, using the 800,000 in your home bank account. Then once you get to Thailand you open a Thai bank account and transfer the 800,000. This is the basis for your extension. The extensions rules are that you must have 800,000 in your Thai bank account for 2 full months before you apply for the extension, and your bank account must remain at 800,000 for 3 full months after you get your extension, and then your account can never drop below 400,000.

During this time you will start the monthly transfers of 65,000 baht from overseas. You'll need to be able to show 12 months of these transfers at the time you apply for your NEXT annual extension the following year. Immigration will ask you for a 12 month bank statement to check 2 things, first that you continued to meet LAST YEAR'S requirements, which were 800,000 for 3 months, and then 400,000 for the rest of the time. And then they will also check for the 12 monthly transfers. If everything is done correctly, you can then receive your 2nd annual extension based on the monthly transfers. Only after this extension is granted and stamped into your passport can you then withdraw the remaining 400,000 from your Thai bank account, but must continue the monthly 65,000 transfers forever, as long as you stay in Thailand.

You should also check with your immigration office that they'll accept monthly transfers of 65,000 baht, as not every immigration will accept them, and some that do accept it also require you to prove that it's from retirement income, like a pension or retirement account disbursement.
Philip *********
Philip *********
@Brandon ***********
when did that change?, I never used 800,000 ever. I got my non O in uk for 60 days and I only showed that I had the money to cover 40,000 for marriage visa 30 days into the 60 day visa I got from the uk. I did not put 400,000 into any thai bank account. At no stage in my 1st application did I put a lump sum in a Thai bank. I just showed that I had a pension to cover the 40,000 amonth. And the 1st extention the next year I showed them 12 month bank statements from my thai back
Brandon ************
Brandon ************
@Philip ********
how many years ago? It sounds like you used an embassy income letter, which is no longer an option
Graham ******
Graham ******
@Brandon ***********
there are probably some out there benefiting from "grandfathering" where the IO still accepts the old method that person has been using for many years uninterupted.
Brandon ************
Brandon ************
@Philip ********
That would not be accepted in 99% of cases. So count yourself lucky. In fact there are many immigration offices now which won't even accept proof of income for marriage extensions unless that proof is payslips for a work permit job inside of Thailand.
Alan **********
Alan **********
Philip Gornall Apparently different Immigration Offices work differently, including accepting "proof", similar to how it sometimes depends which IO a traveler gets when one flies into BKK. One IO lets someone right in, the other denies that same passenger.

And, as already mentioned, you came in for marriage, not retirement. Perhaps the fact that you had a Thai wife, eases Immigration's concerns about you ? ¯\_(ツ)_/¯
Philip *********
Philip *********
@Brandon ***********
I came when the letter was no longer used I just showed my pension income
Ralph *******
Ralph *******
Philip Gornall Marriage Visa not retirement visa.
Philip *********
Philip *********
Ralph Tyson yes but it works the same way
Tim ********
Tim ********
OP
@Brandon ***********
thankyou. What if I'm going to be working 3 months on/off in my home country? Not retiring as such. Is DTV a better option?
Brandon ************
Brandon ************
@Tim *******
possibly, but you'll need to qualify for the DTV through some activity and potentially continue with that activity when you return

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