What are the steps and considerations for applying for a long-term married visa in Thailand as an expat with a Thai spouse?

Apr 20, 2023
2 years ago
Ally ************
ORIGINAL POSTER
Looking to get some constructive advice.. whilst sharing my experience to date.. i'm a British passport holder aged 60-yrs with a Thai wife.. living together in Chiang Mai with blue book in wife's name.. i arrived on 4-Mar by plane from Uk.. on a 45-day tourist visa expiring 17-Apr.. extended once by 30-days at CM Immigration to 17-May.. denied 60-day extension because an official marriage certificate translation (into Thai) hadnt been completed.. we subsequently engaged an agent to attend to this and this document is now available to support future visa applications.. the marriage has since been registered with our local Amphur District Office and a certificate of residence obtained from them.. which evidences the marital home as my official address in Thailand.. i have also been awaiting a letter of consent to open a bank account from CM Immigration.. something Bangkok bank had insisted upon seeing before they would entertain it.. this document also recognises and certifies my residential status.. but the Amphur certificate was deemed insufficient for the bank's purpose in isolation.. the Immigration letter finally arrived in the mail today.. exactly 27-days after i had requested and paid for it.. which was the exact date they said i would get it when i attended CM Immigration on 24-Mar.. no explanation was provided when i queried the 4-week turnaround for such an in person application.. it was simply the standard processing time (apparently) and could not be expedited.. which i still cant fathom.. indeed, this process has only served to erode my visa clock.. by delaying my ability to get my funds on deposit.. then today when i went running to the bank i was blindsided when they turned me away.. because i didn't have a 30-day stamp (ie. unexpired visa) left on my passport.. so despite presenting all the necessary documentation they had previously demanded they decided to add a new (surely absurd) requirement to the checklist.. though i finally succeeded in my quest by visiting a larger branch who didn't once query my visa stamp.. so job done finally with the bank account.. however my intention is to seek a long term married visa.. ie. a 12-month multiple entry visa basis.. but my issues now revolve around the timing of this application and my ability to travel while this is being processed.. i need to travel to Singapore at the month end to attend my step-daughters graduation ceremony.. i intend to fly back to CM about a week later (around 8-9 May) but i'm concerned that my existing 'official' documentation.. such as the Amphur registration or Immigration certificate of residence will be invalidated by this trip.. thereby requiring a duplication of this effort.. furthermore can i apply for the married visa now with a view to it being issued once my funds have been on deposit for 60-days.. or can the application only go in once that 60-day hurdle has passed.. and if i'm able to submit the application now (persay) can i still travel without prejudicing my application.. or am i expected to stay in Thailand until the application is approved.. or should i apply for a different visa before i go to SG that will give me enough time to meet all requirements upon my return.. ie. without having to do a border run later.. you'll appreciate that i want to get all my ducks in a row so i follow the smoothest path possible.. whilst minimising the plethora of fees you have to pay along the way.. thankful to receive your thoughts and any guidance from the knowledge base here 🤔
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TLDR : Answer Summary
A British expat in Chiang Mai details their struggle to navigate Thai immigration and banking requirements for securing a long-term married visa after facing delays and confusion with documentation. They share their experience of applying for extensions and bank accounts, noting the challenges of needing a 30-day stamp and documentation issues related to their marriage registration. The poster seeks advice on the viability of applying for the long-term visa while planning international travel, how existing documentation may change post-travel, and whether any interim visa is needed before their return.
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John ********
Try alot of different banks or go to bangkok it's not that hard
David *********
In this case I'd be using an agent , all too hard just get the initial Visa , do it yourself next time , it's costing you emotionally , and in time and money , they will do all for you , just pay .
Ally ************
ORIGINAL POSTER
@David ********
I used an agent recently to get my overseas marriage certificate translated.. that was good value because it saved me running around to embassies etc.. and expedited the whole process.. however i don't see any value in using an agent to obtain my visa.. imo an educated person with all documentation present and correct should not have any difficulty with the process.. long term visa's based on marriage or retirement are fairly straight forward.. the only real issue for a rookie is the plethora of different interim visa's.. which you are likely to need to season your bank deposit and enable you to finalise your ltv application.. slightly more complex when you are trying to avoid border runs and achieve a continuous stay in country.. I've managed to jump through all the hoops I've faced so far.. and i'm confident i will continue to do so with some occasional help to clarify my understanding.. the mixed messages that emanate from different immigration officials on different days can be frustrating.. but are certainly not detrimenral to my emotional health.. lol.. and managing the process myself is far more reassuring.. not to mention more cost effective for me.. i have oodles of shoe leather but sometimes need guidance on which board to walk.. this channel fills that void and provides a lot of constructive advice.. big thank you to the admins for shining the light 👍
Chris *********************
@Ally ***********
does all your replys have to be so long
Ally ************
ORIGINAL POSTER
@Chris ********************
Please feel free to skip past my posts my friend.. they are not compulsory reading for anyone.. but someone less experienced than yourself may get some value from what I've shared.. and from what I've observed.. the admins are constantly asking people for more detail in order to offer helpful advice.. like everything else in life 'one size' doesn't fit all!
David *********
@Ally ***********
probably true Ally , with one major cost exception , I'm fully invested , I look at it from a " total income return on Australian investments pa " , this is my major reason actual cost in total .
Bill ************
@David ********
yep, I use an agent, let them wade through the red tape. Easy !!!!!!
Dimitri ********
Just pay some service (there are many) 5000 baht and you will have a bank account tomorrow.
Geoffrey ******
You might be surprised at what a little "coffee" money does to get things done exponentially in Thailand. Also, researching and finding out the correct info rather than waiting until the last minute always seems to help, regardless of where you are. Also, as Cliff Sussman stated, act and dress as a serious customer and you might be amazed by the results you see. Thailand, like most undeveloped countries, operates on the theory that most offices expect to be given a bit for coffee just for doing their job. I have lived in Asia for 50 years, and take it to the bank, it is the same in all the undeveloped ones I have lived in. Works wonders!!
Chris *********************
Go to green bank k bank, take a thai speaking person with you should not have any problems
Ally ************
ORIGINAL POSTER
@Chris ********************
The only bank currently authorised to open a bank account for a foreigner before they have been granted a long term visa is Bangkok Bank.. wasted shoe leather finding that out before BB confirmed it.. apparently its a fairly new law change to clamp down on money laundering.
Chris *********************
Ally ************
ORIGINAL POSTER
@Chris ********************
Well that came out of the mouths of 4 different bank officers in the last 3-weeks.. most recently yesterday at BB who stated that is now the law.. I'm reporting a real life experience not stating a personal opinion. so i'm not sure how anyone has the right to contradict what i heard with my own ears.. unless you were stood next to me and heard something completely different.. or perhaps you think I'm just here to spread disinformation.. people need to understand that rules change (sometimes often) and that not all 'officials' will interpret or enforce them diligently.. something that is becoming more and more evident when holding discussions with multiple organisations!
Chris *********************
@Ally ***********
it's a long time since I opened my account but I think your wrong, all banks can open a account if documents are in order,

A friend of mine came from uk in February and opened a account with k bank, he was on 45 days visa exempt, he took his thai girlfriend with him took about a hour ,

He did mention that he was making a big deposit. That may have helped.
Brandon ************
@Ally ***********
I don't think that's a law. Maybe bank policies but no rule against it.
Cliff *********
Getting a bank account

Don’t expect to get something for nothing. Each office is an independent business. Each office makes their own criteria.

You certainly will pay a fee for transferring USD from USA to Thailand. The amount depends on the bank and the transfer service.

Banking is an essential service if you plan to spend time here. It’s not FREE.

I prepared ahead of time by getting a bank account set up 6 months ago.

I treated this as an important business transaction, not just a casual activity.

My Thai friend made an appointment for me at the Bangkok Bank branch across from Astra in CM. He also translated for me.

I am a middle aged physician and dressed as such. Yes I did do the whole business card ceremony.

I told the banker that I plan to retire soon and buy a condominium at Astra.

I was asked to purchase a life insurance policy for about $100. Presumably the banker gets a commission. Whatever, it’s the price of doing business at the bank.

They wanted to copy my passport and see my credit card from Wells Fargo. I think I showed them how much was in my account also to make the point that I’m a serious customer.

I also showed them $500 in perfect $100 bills that was to be the initial deposit.

Nothing else was required.

Act like a serious customer and you will be treated as such.

Present yourself properly and you should be fine.

If not, thank them for their time and visit another office.

Best wishes on your adventure to Thailand!
Ally ************
ORIGINAL POSTER
@Cliff ********
It's not like my wife is a stranger to them.. she's banked there for nearly 40-yrs.. and i had funds resting in her account already.. have never experienced a system where individual branches of the same bank can make up their own rules like that.. effectively discriminating against certain categories of customer at will.. in the Uk banks adopt a uniform policy across all branches.. so you shouldn't get treated differently in my situation.. all banks are commercial entities of course.. and will go out of their way to be helpful if they see value in 'courting' you.. i worked in banking for over 20-yrs myself so I've got the tee shirt already.. lol.. but this system really takes the biscuit.. or perhaps i should have said durian.. cos it stìnks!
Paul *******
@Ally ***********
Perhaps it's not so much different branches adopting different rules but employees not knowing what the rules are and preferring to say "no, we can't do that" in order to save face.
Cliff *********
I will address the Bangkok Bank issue.

Go to another branch. They were being difficult.
Brandon ************
A long post so a little difficult for me to keep my replies organized. I'll just write some responses in order of when I read them from the top.

1) you did not enter with a tourist visa, you entered visa exempt (no visa at all).

2) Chiang Mai immigration lied to you. You could have paid 500 baht to get residence certificate next day. They won't tell you this though, you just have to know it. Yes it's annoying, but you live and you learn.

3) Leaving the country should not invalidate your existing documents

4) If you have a lot of travel coming up, it might be better to wait to get this entire process started. When you apply for your 90 day non-O visa, you are going to get an "under consideration" stamp and it's not advised to leave the country during this time. It's generally between 14 days-30 days. There may also be a home visit during this time.

5) Your funds do not need to be deposited for 60 days before you apply for the 90 day non-O visa. You just need the money in the bank. The 90 days are to allow the 2 month seasoning, and then when you have 30 days or so left you then go and apply for the 1 year extension which is what requires you to have the money in the account for 2 months already.

If I were you I would just wait until you get Singapore out of the way, and then start the process as soon as you get back.
Ally ************
ORIGINAL POSTER
@Brandon ***********
Thanks for the clarification Brandon.. that helps my understanding immensely.. can i apply for the 90-day non-o visa online or does it need to be done in person? As regards point-2.. i did pay 500 Baht for it.. and also asked them if there was an 'express' option.. eg. for a higher fee.. and was told it was not possible!
Brandon ************
@Ally ***********
wow that's not normal for residence certificate. It's supposed to be free long delivery or 500₿ next day!

All applications must be done in person, and if it's marriage your wife must also be with you.
Ally ************
ORIGINAL POSTER
@Brandon ***********
Yep.. she was with me.. appn made in person.. and asked more than once just in case i got a different answer as well 🤨
Phil ********
Yours is a trying situation and why more than a few mates who are married & over 50 have their visas based on retirement, not marriage.

Good luck getting it all sorted.

Cheers 🍺
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