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What are the rules for switching from monthly income to the banked money method for a Non-O retirement visa extension in Thailand?

Sep 8, 2025
6 days ago
Robert *********
ORIGINAL POSTER
I've just had an interesting conversation with Chiang Mai immigration. I have a non o retirement visa, and have been using the monthly income method for my extensions. Partly because of the falling Aussie Peso, I decided to convert to 800,000 in the bank. I duly banked the amount in early August, well before the two months seasoning for my extension on 26 Sept. Now I find, confirmed by immigration, the money must be in the bank a full 12 months before I apply for an extension. Their reasoning is it wasn't in the bank for 3 months after I applied for my last extension????

As we'd say in Aust, Please Explain
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TLDR : Answer Summary
A user inquired about switching from a monthly income method to the 800,000 baht in the bank method for extending their NON-O retirement visa in Thailand. Despite having deposited the required amount early, immigration informed them that the funds must be in the bank for a full 12 months prior to applying for the extension. Several comments clarified that to switch methods, generally, the funds need only be in the account two months before the extension application, and that there's confusion on immigration's reasoning. Moreover, comments suggested checking if the timing of the deposit was indeed sufficient and mentioned options like applying for a new visa if the current requirements were not met.
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Damo ***********
listen to your Immigration...
Russell ********
Not only that, but early August is not 2 months before Sep 26 anyway- are you sure thats not the issue ?
Tod *********
If you were using monthly income method to meet proof of funds (either by using an embassy letter OR by transferring in 65K every month for the previous 12 months before you got the extension) and you wanted to switch to banked money method, the seasoning requirement would ONLY be that you have the funds in the account 2 months before you apply for the new extension.

Once your current extension was granted using monthly income (last year) if you were wanting to switch to bank money method for proof of funds, you are under no obligation to do ANYTHING until you get the 800K in the bank 2 months before the next extension.

You wouldn't need to have kept transferring money in each month once you got the extension granted last year (the one you're on now) and you wouldn't have needed the 800K in the bank since the last extension either because you didn't use bank money method for the proof of funds for the extension last year

I'd go back there and say you want to talk to someone who really knows, not just is pulling an answer out of their backside ๐Ÿ˜ฎ because there is NOTHING in the rules about it

The only time you need to meet the seasoning requirements for BOTH your current extension and the one you will apply for the following year is when you're switching from banked money method to monthly income. With that swap you have to have the 800k in the bank for 3 months after your extension was granted and then never let the balance go below 400K as well as transfer in 65K baht a month, each month, every month for the next 12 months before you apply for the following extension
Tony *********
@Tod ********
- hi Tod...may I ask if this is the same for the Non O based on marriage?

I have recently received the 12 month stamp and I'm maintaining a minimum of 40k per month and can currently go back longer than 12 months (well that will be the case by the time of the next renewal). I know that I can't touch my 400k until 3 months after the date of the stamp, but am I correct that next renewal I don't need the 400k at all, that I can just show a minimum of 12 x 40k?

I'm a little concerned about it reading this thread and just want to make sure I don't screw up.

My renewal was at Korat Immigration Office and it wasn't at all easy, many hoops being put in place so I don't want them to have any ammunition next time around.

Many thanks for your help ๐Ÿ™๐Ÿผ
Andrew ********
@Tony ********
Yes, Nakhon Si Thammarat
Tod *********
Tony Handleythere is no requirement to keep the 400k bank money method in the account after the marriage extension is given.

The only seasoning requirement for that is that it's in the account two months before you apply for the extension
Tony *********
@Tod ********
- Hi Tod, I am switching to the monthly method for the next extension and it states on the Thai Immigration Bureau website income minimum 12 x 40k or 400k, so I just want to be careful as I will be spending the 400k have you heard of any issues with switching after the 1st one being 400k based on marriage, particularly at the Korat Immigration Office?

Many thanks ๐Ÿ™๐Ÿผ
Tod *********
@Tony ********
there is no requirement for you to keep 400k in the bank after you get your yearly extension based on marriage.

The requirement is only that you have 400k in a bank account for 2 months before you apply
Tony *********
@Tod ********
- are you saying that they won't accept the monthly method of 40k x 12 because the website indicates either can be chosen, I did post a screenshot but it's disappeared, it was from the official website. This is Korat office I'm talking about they were extremely difficult to deal with making unreasonable hoops to jump through that's why I am asking because I simply don't trust anything they may tell me as mentioned above one may say this another that. I don't mind going there but they seem to make up there own rules which are not following the official website.

I followed their own list and nothing was good enough for them endless ridiculous requests for things not even mentioned. I expect you saw the other guy also dealing with Korat Immigration they did the same to him.

I would love to hear your experiences based on this particular office if you don't want to post publicly here please PM me we have chatted before on Messenger last year.

Thank you Tod ๐Ÿ™๐Ÿผ
Tod *********
@Tony ********
and as much as you don't want to deal with them it's going to take you slogging over to that office and seeing if they accept the 12 months of transfers of 40k a month for a marriage extension or not ๐Ÿ˜•

AND

if they don't you have no alternative but to bank the 400k for 2 months before you apply for the next extension ๐Ÿ˜ฎ

You're wanting an answer from the group when it's only the immigration office you deal with that can give you the real answer

post on a Korat group and ask, someone else has tried to do it before you I'm sure ๐Ÿ˜›
Andrew ********
@Tony ********
When I switched, I kept the 400k in a separate account, just in case!
Tony *********
@Andrew *******
- did they accept the monthly 40k method in your case and which office was it? Many thanks ๐Ÿ™๐Ÿผ
Tony *********
@Andrew *******
- I have plans for spending the money that's why I need to know but noted ๐Ÿ‘๐Ÿผ
Andrew ********
@Tony ********
Sure, we all do. ๏ฟผ I actually did it the year before, but I had 400k in the same account that received the 12 months of over 40k. When we asked which method they accepted, they wouldnโ€™t tell us! ๏ฟผ
John **********
@Tony ********
you need to ask korat immigration office whether they will accept that or not
Tony *********
@John *********
- it's the official rules I've checked...but they make things up to suit their own agenda... that's why I'm asking. I might post it in the Korat group to see what others have done but thanks anyway. To be honest I wouldn't trust anything they tell you there one will say one thing and another something completely different ๐Ÿ™„
John **********
@Tony ********
the official rules don't mention anything about a minimum of 40k baht per month transferred in from overseas, they only mention an income of 40k baht per month. Many, but not all, immigration offices interpret this as income from working inside Thailand. Whether you trust korat immigration or not they are the only ones that can tell you how they interpret the rules
Tony *********
@John *********
- I've had a terrible experience at their hands and many others have confirmed similar experiences. Even if you took the time to go and ask them it means nothing because they can and will say anything and can and will say something completely different next time around. I never said anything about 'transferring money in' but that's pretty obvious what most expats are doing since our income nearly always originates from our source country. I've certainly never heard any one else claiming the IO see it as funds earned within Thailand.
Graham ******
You failed to meet the requirements of your current extension (i.e. maintain 800k for 3 months after approval then never go below 400k for the rest of the year) so you cannot get a new extension and will have to leave to start again with a new 90 day Non-O.
Robert *********
ORIGINAL POSTER
@Graham *****
i met the requirements of my extension by transferring 65 k in every month.
Graham ******
You are correct if going from the 65k deposits to 800k, my bad
Graham ******
@Robert ********
but if your last extension was using the 800k method you have the meet the 800k/400k requirements as well before you get the new extension based on 65k deposits
John **********
@Robert ********
you haven't done so yet though
Bobby *****
Can you just leave 800,000 in the bank full time.

I understand this isnโ€™t for everyone but I hopefully would be able to do this next March.

Itโ€™s seems to me that may be easier long term unless they change the rules again
James ********
Do a BORDER BOUNCE WITHOUT a re-entry permit... start over with a New Non O Visa as a retiree...then one year extension of stay as retired.

Or get a NEW Non O Visa as retiree from a nearby Thai Embassy or Consulate... enter Thailand with it, gets you 90 days STAMP on arrival...go to your local Thai Immigration office within 45 days of end of the 90 days received on arrival. Get a one Year extension of stay as retired.
Chuck *********
From what I understand, on the next extension, if you change ways, you have to have had satisfied both ways for the year. Meaning, if you go from 800,000 to monthly, you would have to have the 800,000 banked then drop to 400,000 and
***
months before extension, bring back to 800,000 as well as having the 65,000 in international transfers for the entire 12 months prior. And vise versa.
Chuck *********
@Robert ********
yeah, and ask someone in another province and youโ€™ll get a totally different answer
Chuck *********
In other words, I would have to put 800,000 in bank for 3 months, then at next extension, Iโ€™d have to show I had the 800,
*******
,000 for the year as well as my 65,000 all year to satisfy the extension I was currently under.
Tod *********
@Chuck ********
if you're going from banked money method to monthly income you would indeed meet BOTH seasoning requirements, for the extension you're on now with banked money, AND for the next extension you'd get with monthly income
Chuck *********
@Tod ********
yes I understand that. But, I was told just 3 weeks ago at UD Immigration to go from monthly to banked I would also need to have the 800,000 in now and continue the monthly, and next year, at my extension, I could switch to the 800,000 as long as my 800,000 was banked after this extension for 3 months and didnt fall below the 400,000 and then topped off at 800,000 two months prior.
Ellie *******
@Chuck ********
, You are talking about the step when you change the method from the banked money method of 800k baht in a Thai bank account TO a monthly deposit method, not the opposite way (what the OP want to do)
Chuck *********
@Ellie ******
yes I know. I asked Immigration here in Udon Thani when I extended my retirement last month and thatโ€™s what they told me. To change, I had to meet both requirements for a year. I wanted to do the same thing next year, just put the 800,000 in instead of the monthly, and thatโ€™s exactly what I was told. It seems different everywhere you go or even the officer you talk to.
Robert *********
ORIGINAL POSTER
@Tod ********
yes I agree. But I've been caught once, I'll continue to bring the 65 k every month, AND have the 800k sitting there, and we will see what happens NEXT year
James ********
@Robert ********
wise decision โœ…
John **********
Sounds like there are some crossed wires somewhere. To use banked money the 800k baht would have had to be in your bank for 2 full calendar months (not 60 days) before you APPLY for next extension, NOT the date your extension is due. You would also need to satisfy the terms of your current extension.
Tod *********
@John *********
the terms of their current extension would only be to have brought in 65k each month every month for the previous 12 months before they applied for that extension. There is no obligation to continue bringing in monthly income after the extension is granted especially if you're going to switch to a different method of proof of funds
Rok ********
@John *********
what about 800,000 after the extension reduced to 400,000: is it 3 months from the date of extension granted or date of extension due?
Rok ********
@John *********
200 baht annual statement and 100 baht confirmation of balance statement
John **********
@Rok *******
so if its a confirmation of balance statement immigration would use that which is the 800k method. The letter for monthly overseas income shows your monthly transfers
John **********
@Rok *******
I believe its the date its granted but best to check with your immigration office
Rok ********
@John *********
for my second extension i fulfilled 800,000 criteria and 12 months 65,000 criteria: my worry is the IO ignored the 65,000 transfers and concentrated on 800,000 criteria only yet i want to withdraw 800,000 + now. I assume i will just have to wait and see what happens at the 3rd extension. I continue transferring monthly 65,000 baht.
Tod *********
@Rok *******
pull the balance down to 400k for SURE so that there's no way they can use banked money method for this up coming extension

Your mistake was having BOTH the 800K still in the bank and having done a year of transfers of 65K baht a month. You have no idea what method the officer used when you got the extension you're on now

You can't tell if they used the monthly income method by transfer OR if they used the fact you'd banked the 800K ๐Ÿ™

AND

sadly, it is my experience when people meet BOTH forms of proof of funds the immigration office usually picks banked money method ๐Ÿ˜ฎ

SO you'd have to have the 800K in the bank for 3 months after this last extension (where you don't know what method was used) was granted and then you could drop it to 400K <- which will make SURE they couldn't use banked money next year when you get the new extension and you can for sure use the monthly income method
John **********
@Rok *******
what type of letter did you get from your bank? The letters are different for each method
James ********
@Rok *******
extension granted
James *****
Does the 800k need to be in the local bank or can it be proven as in overseas accounts
Michel *****
@James ****
Thai bank and IN YOUR NAME ONLY!
Wayne ********
@James ****
local only for extension
John **********
@James ****
it must be in a Thai bank
James ********
@John *********
Correct โœ…
Maria *************
Lloyd ********
Did you maintain the monthly payments for this current year? If you did not, and wanted to change to 800k, you would have had to put it in essentially the day you got your last extension.
Robert *********
ORIGINAL POSTER
@Lloyd *******
yes, I've maintained the monthly payments as a back up, in case something went pear shaped. It did 55

But I dont understand why it needs to be in 12 months in advance. Why not, 2 months seasoning?
Michel *****
@Robert ********
2 months is only when you apply for your first extension (based on a non-immigrant O VISA of 90 days, the one you always start on). Every successive extension is based on a 12 month statement, as they need to check if you kept you 800k for 3 months after obtaining the current extension.
Sean **********
@Robert ********
probably because the rules regarding the 800k method are

1. to maintain the 800k in the bank for 3 months following the effective date of the extension.

2. Maintain a minimum balance of 400k months 4 thru 10

3. Bring the balance back up to 800k for months 11 & 12
Tod *********
@Sean *********
which would ONLY apply if the person used banked money method for the extension they're on.

They did not they used monthly income method and the requirements to get a yearly extension via that method are to bring in a minimum of 65k each month, every month for the previous 12 months BEFORE they applied for their extension.

Once they did that and got the extension IF they were going to switch methods of proof of funds they are under no obligation to transfer in another baht or bank 800k until 2 months before they would apply for the following extension
Sean **********
@Tod ********
I understand your point. I do not know what Thai Immigration would require when switching back to the โ€˜proof of fundsโ€™ method. Where you about to find the guidance in Thai Immigration documentation somewhere?
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