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What are the requirements for receiving the 65,000 baht monthly income for a retirement visa in Thailand?
Retirement VisaVisa RequirementsMonthly IncomeThai ImmigrationFinancial EvidenceTax IdInternational Transfers
Dec 13, 2025
5 months ago
Mike ************
ORIGINAL POSTERHow can you recieve the 65,000 per month income option for retirement visa?
How will you be able to get confirmation that immigration will accept?
How will you be able to get confirmation that immigration will accept?
TLDR : Answer Summary
To qualify for the 65,000 THB per month income option for a retirement visa in Thailand, you can either obtain an embassy-certified income statement or provide proof of monthly international transfers. However, embassy certification is no longer available for some nationalities, and thus most applicants will rely on international bank transfers to demonstrate sufficient income. It's crucial to initiate these transfers early, as you need to show this income consistently for 12 months for extensions. Additionally, for the first-year extension, you may need to show an amount of 800,000 THB in a Thai bank account before transitioning to the 65,000 THB monthly limit for the subsequent years. It's recommended to directly confirm requirements with the local immigration office, as policies can vary.
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.
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Frank **********
I seen your other posts about offsetting the financial requirements with a home purchase. You are not very bright are you.
Mike ************
ORIGINAL POSTER@Frank *********
you're very much an A 🕳 aren't ya 😆Frank **********
@Mike ***********
yes especially to idiots. 😂😂😂😂Mike ************
ORIGINAL POSTER@Frank *********
typical loser 😆Reply to
Mike ************
Reply
Nick ************
Year one you have to show
*****
0 baht in an account in your name. It must be there 2 months prior to applying for extension. It must stay there for three months after extension us granted and not go below *****
0 baht for the rest of the year. If you want to change to monthly payments of *****
+ baht you must start them in year one so you have 12 at the time you apply for second year extension. My IO accepted Thai bank statements printed from my banking app. They also wanted my UK bank statements to show where the money came from. All my transfers were done through Wise and showed as international. Bank book should show a transaction on the day of application. I did not need to get anything directly from my Thai bank except updated bank book.Christian *********
@Nick ***********
👍thank youReply to
Christian *********
Reply
Михайло ********
*****
is average monthly salary for digital nomad, so don't see any problemsMarko ************
Reply to
Marko ************
Reply
David ******
Siam visa are now saying you do need a thai bank account for your retirement visa funds. Due to some of the bank restricting bank accounts .
Lynnette *******
@David *****
that's not new, retirement extension requires money in bank. The initial visa can be applied for outside of Thailand with non Thai bank account. Then enter and get a Thai bank account.Reply to
Lynnette *******
Reply
Darrick ********
If you're from the US, it's real easy. You can do everything online and it takes 2 to 3 weeks.
Bill *******
@Darrick *******
Not any more.Mike ************
ORIGINAL POSTER@Darrick *******
canada, and embassy no longer certifies income and I don't have the 800,000 up frontJohn **********
@Mike ***********
I don't recommend agents but that's going to be your only option if you don't have the 800k baht to put in a bank accountMike ************
ORIGINAL POSTER@John *********
was afraid that be itReply to
Mike ************
Reply
John **********
Unfortunately for you the Canadian embassy stopped providing income certificates earlier this year so for your extension of stay you need 800k baht in a Thai bank account. For subsequent extensions you can show that you have transferred a minimum of 65k baht per month from overseas each month for the 12 months prior to applying so you need to start the transfers immediately, however you can spend the 65k as soon as it shows up in your account
Mario *********
@John *********
how can you transfer the 65k baht if you don't have a Thai bank account? I will be there first in February next year hopefully with a non o retirement visa.John **********
@Mario ********
you can't. You come with your 90 day Non-O visa, go to immigration for a residence certificate, go to a mobile provider and buy a Thai SIM registered against your passport, then you go to a bank and open an account and transfer in a minimum of 800k baht to use for your extension of stay. Unless you are lucky enough to hold a passport pertaining to one of the diminishing number of embassies that still issue income certificatesGraham ******
@John *********
and start the 65k monthly international transfers ready for the second extensionMario *********
@John *********
Thank you John 😊Reply to
Mario *********
Reply
Mike ************
ORIGINAL POSTER@John *********
can a law office provide certification?John **********
@Mike ***********
nope. Immigration will only accept certification from an embassyGraham ******
@Mike ***********
but Immigration will not accept that so you waste your moneyJohn **********
@Mike ***********
that looks like AI generated nonsenseMike ************
ORIGINAL POSTER@John *********
I guess the local immigration office would be the one to askJohn **********
@Mike ***********
yes for sure, the only authoritative answer. But I've never heard of any immigration office accepting an income certificate from anywhere other than an embassy. And when a number of embassies stopped providing them they had to introduce the 12 months of 65k baht transfers from overseas rule.Reply to
John **********
Reply
Willy ********
You need an affidavit from the last 3 months pension and a specific letter from the bank confirming 12 monthly payments of a minimum of 65k. That's in Pattaya.
Mike ************
ORIGINAL POSTER@Willy *******
I have my pension statement so would I need to go to a lawyers office to get it certified now that my embassy no longer does that?Mike ************
ORIGINAL POSTER@Willy *******
pension starts April, I am on severance currentlyWilly ********
@Mike ***********
When you apply for a O or OAVisa the first time, you need to show you have minimum 800 000 Thai bath in a bank at home. In one year you ask an extension, you have to show *****
bath came in every month, first extension, you show 3 or 4 months (the most recent months) it's OK in Pattaya, after that 12 months. Avoid Bangkok Bank.John **********
@Willy *******
that only works for the Non-OAWilly ********
@John *********
In Pattaya most of my friends have A Non O, where you don't need insuranxe. Works fine.John **********
@Willy *******
it does and you get the 90 day Non-O by showing the funds in your home bank BUT to get a 12 month extension of stay you need to put 800k baht in a Thai bank 2 months before you apply for the extension, so very shortly after you arrive.Reply to
John **********
Reply
Glenn *****
Much better if you supplied what passport you hold and where you would be living.
Mike ************
ORIGINAL POSTERCanada, Pattaya
Reply to
Mike ************
Reply
Marty *********
Cash in a brown paper bag
Jørgen ********
@Marty ********
OH, I don't have a brown paper bag :(Mike ************
ORIGINAL POSTER@Marty ********
if I had cash, no questions would need answering 😆Reply to
Mike ************
Reply
Christian *********
Just put the
*****
0 easierMike ************
ORIGINAL POSTER@Christian ********
yes if you have it 😆Reply to
Mike ************
Reply
Piero *************
Mix pension and transfer from abroad,but
*****
every month ,not the yearly total amount of 800.000 Example you cannot transfer 250.000 baht only one month because you have only 550.000 of pension ,but 42.000 of pension and 23.000 of transfer every monthGlenn *****
@Piero ************
yes but that takes away one key advantage of the 65K method. That being that you can spend the entire 65k the same day it was deposited. I deposited 100k each month and spent almost all of it before the end of the month
Piero *************
Yes you can,from the 2nd year...you deposit > 65k every month,pension or transfer from abroad ,you can spend immediately
Reply to
Piero *************
Reply
Mike ************
ORIGINAL POSTER@Piero ************
how do you get a document they will accept for your online application?Piero *************
@Mike ***********
no,what I write is only from the 2nd year after the,application, the first year you come with a Not immigrant visa and then you get the retirement visa with the 800.000 baht methodJohn **********
@Piero ************
not all immigration offices will allow thisPiero *************
@John *********
if the bank writes the letter you follow this method the immigration accepts it,otherwhise the bank answers you they never did same before,if they did before ,the immigration acceptsReply to
Piero *************
Reply
Rui *********************
************
Todd *********
@Rui ********************
full points for not understanding the question at allReply to
Todd *********
Reply
J **************
Depends which country you are from
Liam ***********
@J *************
it depends what passport you hold not from what country you come from some of us have a dual citizenship, I live in the UK but I hold an Irish passport and they still do affidavit for my pension at the Irish embassy in BangkokMike ************
ORIGINAL POSTER@J *************
canadaJ **************
@Mike ***********
go to the Thai embassy website on CanadaMike ************
ORIGINAL POSTER@J *************
wow you're a fountain of knowledge 😆J **************
@Mike ***********
you would be too with a little researchReply to
J **************
Reply
Alan ********
You need a certified copy of your bank statements for one year. Get it from your bank and have a bank office stamp and sign the hard copy.
Mike ************
ORIGINAL POSTER@Alan *******
you need it from a thai bank no?Alan ********
@Mike ***********
not to get your initial visa, no.Mike ************
ORIGINAL POSTER@Alan *******
I think they want your pension income, not work incomeAlan ********
@Mike ***********
it doesn’t matter. You only need to prove monthly income and be over 50Mike ************
ORIGINAL POSTER@Alan *******
right but the Canadian embassy stopped providing income certification as of April 2025Alan ********
@Mike ***********
I can give you my attorney’s contact info. She was very helpfulMike ************
ORIGINAL POSTER@Alan *******
thanks, that may be helpfulReply to
Mike ************
Reply
Glenn *****
@Alan *******
I understand that things can change but I never needed that. It was just a letter showing only the depositsAlan ********
@Glenn ****
it’s what I needed to do in June, when I applied for mineReply to
Alan ********
Reply
Jesper *******
Not all immigration office accepts the 65k method without affidavit from embassy (depends on passport) CW bkk does not accept mine (SG) without affidavit .....please check with the immigration office you are applying for your extension
John **********
@Jesper ******
if your embassy offers the affidavit you are supposed to use thatJesper *******
@John *********
cos my embassy is not issuing affidavit and many countries are not doing that anymore ...John **********
@Jesper ******
but you say immigration wouldn't accept your affidavit. I'm confused.Jesper *******
@John *********
the immigration would not accept my 12mtn statement(65k method) WITHOUT the affidavit I can only use the 800k methodJohn **********
@Jesper ******
ah OK. If your embassy provides an affidavit then immigration want you to use that. The 65k method is an alternative for those whose embassy refuse to provide oneYo***
@John *********
one thing to added on. many foreign expats do not understand or know Thailand. Thailand is historically true multi racial country. This makes strong provinces. So each province has own rules unless it is not against KING and QUEEN. You may know that Thai King and queen has no influence to the politics and policies. they are more for unity of thai people regardlessly. Well, province has own power to do, such as authority thing. Immigration is as well. So, there is a big officer discretions and very huge playrooms for each officer. It is totally legal in Thailand. or we can say, it is based on Old thai culture. nevermind culture. Each province does not want to touch other provinces. No touch, Nevermind culture in thailand. Therefore, in each province immigration, they have their own rules. and officer makes it by own discretion and huge playrooms. That is why all things about Immigration so vary and so depend on each immigration officer. Once an immigration officer stamped, regardless of legal or illegal or wrong or right, that is valid and not your business. Some people said, they had not fulfilled all requirements but they got stamps. But some said, they have all, but failed. That is why always go to your own immigration and find your responsible officer to ask. Every immigration officer has different rules.Yo***
@John *********
half to half. Even, you have embassy letter for your monthly income, any immigration officer wont accept it. It really depends on immigration officer who you face. some said Ok, some said NO, I do not know at all. Better ask directly your immigration officer.Reply to
Yo***
Reply
Ron *******
You need to look this up independently. If you solely rely on answers on Facebook you will definitely wind up wasting time.
Mike ************
ORIGINAL POSTER@Ron ******
this post is pointless as canada embassy does not certify income and you can't open a thai bank account without a long term visa but thanks for a document doesn't take into account current factorsRon *******
@Mike ***********
That's why I said you need to look into this yourself. You can open your bank account after you obtain a non o retirement visa as far as I know. It's always been done that way. Obviously you have to be in country to open the bank account.Mike ************
ORIGINAL POSTER@Ron ******
you can open an account but you can't show a years worth of transfers can ya?Ron *******
@Mike ***********
You don't need to show 12 months on your initial visa extension. I'm just trying to be helpful and answer your questions bud. You seem to want to argue each point. Good luck to you.David ********
@Ron ******
You’re an excellent candidate for a visa agent. They will handle everything for you, no hassles no worries. No ambiguity, nothing to argue with people about.Ron *******
@David *******
I've been in Thailand for 3+ years now. Have never used an agent for my visa extensions, bank account, Thai Driver's license, 90 day reports, etc. Not necessary.David ********
@Ron ******
oh, sorry! Lol! That was meant for the author of the post.Mike ************
ORIGINAL POSTER@David *******
kinda worried about legalities of it ***********************************************************************************
David ********
@Mike ***********
all the more reasons to use the “right” agent.Mike ************
ORIGINAL POSTER@David *******
yesMike ************
ORIGINAL POSTER@Ron ******
yeah, your post is out dated, my country's embassy no longer certifies income so nothing is answered bud, thanks for well wishesLynnette *******
@Mike ***********
you get the visa before arriving. Open bank account. Deposit 800k. Get 12 month extension. Also deposit 65k per month during that year. Second year show 12 months deposits of 65k. Change to these monthly payments for second year extension.Mike ************
ORIGINAL POSTER@Lynnette ******
yes, I do not have the 800,000 so want to do the 65,000 income first year but embassy no longer certifiesLynnette *******
@Mike ***********
don't think you can do the 65k without doing the first extension with the 800k. During that year also sending 65k a month. Brandon might confirm that if you ask him.Mike ************
ORIGINAL POSTER@Lynnette ******
if my country's embassy certified income then it would be but I think one will need to go through a legal process in thailand for that certificationLynnette *******
@Mike ***********
there may be agents can help.Mike ************
ORIGINAL POSTER@Lynnette ******
that seems the easiest but most costly 😆Lynnette *******
@Mike ***********
Yes. Or borrow the 800k. Pay it back after year 1.Reply to
Lynnette *******
Reply
Brook ********
Here is an idea: why don’t you ask your local immigration office?
Mike ************
ORIGINAL POSTER@Brook *******
is that why you have posted over a dozen questions yourself in this group, don't answer if you have nothing to contributeTodd *********
@Brook *******
here is another idea, why not look up ‘social media’ and ‘FB groups’…. and see what you learn.Reply to
Todd *********
Reply
Brandon ************
There are 2 ways to qualify for monthly income.
1) Embassy certified income. Many embassies do not offer this, so it's not an option for many people.
2) Monthly international transfers. You can do this by SWIFT from your home bank, or using WISE and selecting the funds for long-stay reason. Please note: This CANNOT be used for the first 1-year extension after converting to a non-O visa or entering Thailand with a non-O visa. Even if you have 10 years of international transfers you can show, it will not be accepted as you CANNOT use it for your first 1-year extension. You must either use option 1, or the 800,000 baht in a Thai bank account for the first 1-year extension.
How do you get confirmation from anything about immigration? You go there and ask. Each immigration office has their own policies, so something someone tells you might not apply to you because maybe they use a different office.
1) Embassy certified income. Many embassies do not offer this, so it's not an option for many people.
2) Monthly international transfers. You can do this by SWIFT from your home bank, or using WISE and selecting the funds for long-stay reason. Please note: This CANNOT be used for the first 1-year extension after converting to a non-O visa or entering Thailand with a non-O visa. Even if you have 10 years of international transfers you can show, it will not be accepted as you CANNOT use it for your first 1-year extension. You must either use option 1, or the 800,000 baht in a Thai bank account for the first 1-year extension.
How do you get confirmation from anything about immigration? You go there and ask. Each immigration office has their own policies, so something someone tells you might not apply to you because maybe they use a different office.
Yo***
@Brandon ***********
yes, But one question here. If you have 800,000 THB for extension from the first year of extension, if embassy does not issue any letters for monthly method on NON O visa entry. The only option in this case is to put 800,000 THB into Thai bank account. Then, for second extension to change it to monthly method?? You already have 800,000 THB in your Thai account. So, you transfer 65,000 THB from your home bank to your thai bank account every month?? for one year for next extension??? you can transfer 800,000 THB from your Thai account to your home account? and transfer 65,000 THB monthly from your home bank to thai bank? because monthly method needs money only International transfer. or you save 800,000 Thb and tansfer 65,000 THB every month? If you spend your 800,000 THB in Thailand, maybe buying a car or house or something like that, it would make sense to change it to monthly method. Otherwise, it does not look smart at all?Brandon ************
@Yo***
So you get your first extension with 800,000 in the bank. The rules of the extension you just received say that you must keep your bank account at 800,000 and never let it drop below 400,000.At the SAME TIME as you are getting your 1-year extension with money in the bank, you start doing monthly transfers of at least 65,000 baht from outside of Thailand. So now for this year you are doing BOTH. After 3 months of doing the monthly transfers, 3 months after you received your 1-year extension, you can withdraw 400,000 from your bank account if you want. Because the rules of the 1-year extension you received said your account can never drop below 400,000 after the first 3 months. Then you continue doing 65,000 baht transfers every month while keeping your account at 400,000 for the remaining 9 months. Then after you have the 12 months of bank transfers and your extension is due for the following year, you go to immigration and apply for the extension showing the 12 months of bank transfers, as the 3 months of 800,000 and 9 months of 400,000 to meet last year's rules. Then once they give you the new extension you no longer have to keep any money in the bank, but you need to continue doing the monthly transfers forever.
What you do with that 800,000 or 400,000 is up to you, but it's not required for immigration once you make the switch for year 2.
Reply to
Brandon ************
Reply
Reinhard ********
@Brandon ***********
So I'm lucky that German consulates and embassies confirm it.Brandon ************
Mike ************
ORIGINAL POSTER@Brandon ***********
law agencies would not qualify would they? I guess I need to inquire at the local immigration office pattayaBrandon ************
@Mike ***********
I don't know what you're asking. I've laid out the 2 things that are accepted. That's it.Mike ************
ORIGINAL POSTER@Brandon ***********
got itReply to
Mike ************
Reply
Dennis **********
@Brandon ***********
hi Brandon I came across this info , does this apply for your 1st year or 2nd year onwards or is it bullshitBrandon ************
@Dennis *********
2nd year is okay for 12 month bank statement but not for first yearDennis *********
@Dennis *********
only applies first year if your embassy certifies income U.S., Australia and UK do not. You should double check with your country’s embassy to be certain.Reply to
Dennis *********
Reply
Ned *******
.....or ....in Prachinburi they require both
And the Embassy certified income document has to be given the official 'stamp' at the Thai Consulate in Bangkok.....🙈🙈
And the Embassy certified income document has to be given the official 'stamp' at the Thai Consulate in Bangkok.....🙈🙈
Glenn *****
@Ned ******
that would mean that people from one of the four non-helpful Embassies / Consulates could never use the 65K method ?Ian **********
@Ned ******
There is no Thai Consulate in Bangkok. Do you mean Ministry of Foreign Affairs?Reply to
Ian **********
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