What are the steps to apply for a 1-year retirement visa in Thailand for expats?

Aug 9, 2024
4 months ago
Anthony *******
ORIGINAL POSTER
Hi .been looking at how to apply for a 1year retirement Visa .I am 60 years old .it seems very complicated.any advice on how to make it look easier than it sounds .
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TLDR : Answer Summary
Applying for a 1-year retirement visa in Thailand can seem complicated, but many expats suggest it can be done efficiently without an agent. Key steps include entering Thailand on a Non-O visa, which requires proof of funds (minimum 800,000 THB) either in a home country bank account or a Thai bank account. Once in Thailand, expats should open a Thai bank account, transfer the required funds, and apply for the 1-year Extension of Stay based on retirement at the local immigration office, presenting various documents such as passport copies and proof of funds. There are multiple visa options available, including Non-O, Non-OA, Non-OX, and LTR visas, each with specific requirements.
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.
Peter ********
Go to an agent.
Nick ************
This might have been said before but I can't read all the comments!

Get 90 day non o retirement in your home country. That will make it easier to open a bank account and put the required funds into it before you apply for 12 month extension at your local immigration office.
Greg ***********
I am out of the country at the moment. On an OA visa that expires in March. My current insurance policy expires in December. I am returning in October. Have been told that I need to show my insurance policy to immigration at the airport and my "allow to remain date" will be my insurance expire date not my visa expire date. Is this correct?
Graham ******
@Greg **********
Yes, you will get stamped in until your insurance expiry date, your Visa expiry date is the last date you get stamped in for 12 months or up to your insurance expiry date if less than 12 months
Greg ***********
Are the insurance companies listed on the Immigration web site the only companies that are accepted? I have insurance from a company outside of Thailand that specifically covers me in Thailand with far greater coverage than the required limits. Anyone know if this will be acceptable?
Greg ***********
Thank You appreciate the info. So now must carry proof of insurance everytime you go out and come back I take it. This is my 1st reentry under an O-A visa, have been on marriage prior.

Thanks again
Jeffrey ************
Just follow the requirements...
Lee **********
How mutch is thai tax ?
Andy ************
@Lee *********
Retirees don't pay tax in Thailand
Lee **********
David *******
Apply online for the Non O visa for over 50s. London Embassy is easy to deal with. This gives you 3 months then you can get 12-month Extensions of Stay each year.

You’ll need a Thai bank account with 800k baht. No insurance needed for each Extension but you will need insurance for 3 months for the initial visa.
Tim *********
@David ******
I applied a year ago, David. The Thai London embassy emailed me saying I should ignore the requirement for life insurance, as no longer needed. Too late, as I'd already bought it for £1,100!
David *******
@Tim ********
it’s just under 2 years since I got my Non O from London and it was required then. Good if it’s been dropped. It didn’t cost me too much anyway. I used a Thai agent who gave me the one-page summary I needed to upload and the policy was just a 90-day travel insurance policy.
Tim *********
@David ******
I sent a Friend Request, as a fellow 🏴󠁧󠁢󠁷󠁬󠁳󠁿
Anthony *******
ORIGINAL POSTER
@David ******
thanks for the info .I'll look into it.
Penne *******
I have read that 20 years is the longest one can extend a thai long stay visa. Has anyone experienced differently? I want to retire and stay forever. I donr want to return to home country at 85! Thx
Graham ******
@Penne ******
don't believe all you read
David *********
It’s not that complicated. Just follow the instructions, make a check list and when you have everything, apply.
George *********
You don't need insurance.

Apply when you come here
Michael ********
If you are not here yet suggest you look at OA visa first,

You can use your UK bank account for proof of funds and no need money in Thailand.

Can stay nearly two years with one border bounce.

You have to get insurance though but they are on about reducing the amount you require. All info on thai embassy londons website
Tony **********
@Michael *******
and property criminal background check
Michael ********
@Tony *********
UK where person asking question from its a certificate of criminal record clearance but that comes under for him to check on there website. I never mentioned the stupid medical either
Jim ******
I've just got 90 day "retirement" visa from London. So that, go to Thailand and take it from there. You should be able to open a bank account with that visa. The rest will depend on the requirements of immigration office in the province you plan to stay in
Peter *********
I want to get a one year.Education visa, starting, maybe in may of next year. I will be visiting thailand four a month in january so I was wondering if anyone knew a good starting point
Pascal ********
@Peter ********
Best to make a new post for this.
Troy *******
FFS mate what is so difficult about following the Thai government visa requirements line by line?
Thomas ************
It's not complicated at all. No need for an agent. Enter Thailand with a Non immigrant O Visa, open bank account upon arrival and fulfill the financial requirements.
Nongnuch ********
Anthony Power . . . You can do everything by yourself, no agent needed

Do step-by-step

You can apply for a single entry 90 days Non-Imm-O retirement visa in your home country before you wing your way here.

You gonna enter Thailand on this visa and will get stamped in for a 90-days stay permit.

You must open a Thai bank account immediately after your entry. If you want to prevent “bank hunting”, use an agent to help you with opening a bank account in your sole name.

Once the account is set up, transfer a minimum of 800.000.- THB onto it.

From up to
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days before the 90-days stay permit expires, you can apply for the “1-year extension of the stay permit based on retirement”.

Thai Immigration calls this process “visa extension”, however this is just bad English – they are extending a stay permit. The “visa” cannot get extended.

On the day of your application to the 1-year extension, a minimum of 800.000.- THB must have seasoned in your Thai bank account for two months, and you need the “bank letter of guarantee” (in Thai: rab roong thanakan) to prove it.

After being issued the “1-year Extension of Stay based on retirement”, a minimum of 800.000.- THB must remain in your account for at least three months.

After this, you could theoretically take out some of the deposited money, but it cannot go under 400.000 THB in the remainder of the year.

Two months before your next application to a new 1-year Extension of Stay Permit, a minimum of 800.000.- THB must be back in your account

Every year, you will need to apply for the next “1-year Extension of Stay”

NOTE:

When Immigration issues your extension, always buy a single re-entry permit for 1000.- THB on top of it. Bring at least two passport pictures for the application to the re-entry permit.

A re-entry permit keeps your stay permit alive, should you exit and re-enter Thailand during the validity of your stay permit.

Should you plan to exit Thailand more often than three times, buy a multi re-entry permit for 3800.- THB. It allows you unlimited re-entries into Thailand during the stay permit validity.

For the application to the “1-year extension of stay permit”, the following is required:

*** your passport

*** a copy of the passport detail page and a copy of the entry stamp

*** a copy of the previous extension of stay stamp

*** you need to sign all copies in blue ink

*** a few passport-size pictures

*** the “bank letter of guarantee”

*** an ATM receipt of a same-day withdrawal of a small amount of Thai Baht

*** your updated bankbook

*** 1900.- THB fee for the application to the extension

*** you will need a screenshot or printout of your up-to-date TM30 accommodation registration

*** forms to fill out are available at the Immigration office

This list of required documents might not be complete for your specific Immigration.

It is strongly advised to visit Immigration early, and ask them for the handout list of requirements regarding the “retirement visa extension”

If you leave Thailand before the 90-days expire, your stay permit will become void. You could re-enter on a “visa-exempt entry” that would get you stamped in for 30 days.

Some people avoid applying for the 90-days Non-Imm-O retirement visa in their home country and enter Thailand on a visa-exempt entry or on a 60-days tourist visa.

They can, as long as a minimum of 15 days is left on their entry stamp, apply for the so called “change of visa type” from a touristic entry to a 90 days Non-Imm-O retirement visa on Immigration, if they fulfill – among other - the financial requirements

And from this 90-days Non-Imm-O visa, they can switch to the “1-year Extension of Stay based on retirement”
Nongnuch ********
thank you all for your positive response
Ling *****
@Nongnuch *******
that is the most comprehensive reply on the matter I have ever read. Thank you. 🙏
Carl **************
@Nongnuch *******
excellent contribution
Pascal ********
@Nongnuch *******
a “visa-exempt entry” that would get you stamped in for ''60'' days.
Greg *********
If you plan on getting health insurance in Thailand anyway, you can apply for the one year OA retirement visa in your home country online. You have to show 800,000 baht in your home country bank account and a few other things, including the paid health insurance policy, but you enter Thailand with a one year visa.
Nongnuch ********
@Greg ********
and after two years, when you switch from the O/A visa to the 1-year Extension of Stay, the 800.000.- THB need to be in a Thai bank account
Greg *********
@Nongnuch *******
I can use the 65,000 baht a month transfer, right?
Nongnuch ********
@Greg ********
you could, in the form of a 12-month bank statement, 65.000.- THB coming in from abroad, month for month for 12 consecutive months
Greg *********
Tony **********
@Greg ********
and the proper criminal background report.
Greg *********
Pete *******
The Non-O visa based on retirement is probably the easiest long term visa to obtain. Very easy to do on your own. Just meet the requirements.
Dave **********
Easy to do yourself!
John **********
Which retirement visa option are you looking at? There are at least 4 different ones each with their own requirements
Ima***
@John *********
can you please let me know what 4 options are they? I am considering moving to Thailand. Thank you.
John **********
@Ima***
Non-O. Non-OA, Non-OX, LTR Wealthy Pensioner
Ima***
@John *********
Non-O? None???
Ima***
@John *********
thanks for your reply, still don’t know what that mean though. lol
John **********
@Ima***
these are the names of the different types of visa that are all referred to as retirement visas
Ima***
@John *********
thanks John, I will look them up.
Ken ***********
Whether you use and agent or not is up to you. There are many who do it themselves and others who employ an agent.
Joseph *********
I did mine by myself.

Just follow the directing.

Some agents are rip offs
Graham ******
Where are you looking, on an Embassy website or inside Thailand?
Ian ********
@Graham *****
just apply for the Non O visa before you travel, come to Thailand, open a bank account (easy with a non o) and then when you have 30 days remaining, apply for a year extension, it not hard to do. The people who say it is difficult are the ones that cannot follow instructions and want to argue about the requirements.

If you just do it how they ask it is as easy as photocopying documents and handing them over, Simple
Graham ******
Pascal ********
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Graham *******
I have 12 months extension of stay, it very complicated on purpose it encourages us to use an agent to help. Essentially come to Thailand and do it from there. Remember if u are in TH for 180 days its very likly yoiu will have to pay Thai tax.
Trevor **********
@Graham ******
that is rubbish
Ian ********
@Graham ******
it is not complicated at all, it is straightforward, you just follow the requirements! Easy peasy!!!
Mike ******
@Graham ******
one born every minute
Graham *******
@Mike *****
This was issued by RD last month. Live in hope!
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/FOREIGNERS_PAY_TAX2024.pdf
Mike ******
@Graham ******
like I said

One born every minute
Graham *******
@Mike *****
Good Luck!
Dirk **************
@Graham ******
is that so?
Graham *******
@Dirk *************
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*******
/FOREIGNERS_PAY_TAX2024.pdf
Dirk **************
@Graham ******
this chart is oversimplified and pretty useless. The Thai tax system is not that simple. Only income remitted to Thailand is potentially taxable in Thailand, income that remains overseas is not taxable for tax residents. Also savings transferred into Thailand by a tax resident are not taxable. Moreover: Generous Tax Exemptions, Deductions and Allowances (TEDA) exist, along with a zero rated tax band, to create a significant tax free buffer for many tax payers. So let’s wait until 2025 to see how this really plays out and don’t create panic based on insufficient information.
Graham *******
@Dirk *************
"Only income remitted to Thailand is potentially taxable in Thailand, income that remains overseas is not taxable for tax residents." This is correct but there is a prososal being considered to extend this to gloabl income.
Graham *******
@Dirk *************
"Also savings transferred into Thailand by a tax resident are not taxable." Not true.
Dirk **************
@Graham ******
savings are not income. Educate yourself before posting this nonsense.
Graham *******
@Dirk *************
everything remitted is potentially taxable. If you have saving in a foreign bank, the principal can be brought in tax free but the interest which is earned after 1st jan 2024 is taxable. You must have documents to prove all statements.
Dirk **************
@Graham ******
I have a tendency to believe my Thai tax accountant, who provided me with that info, more than a random person on Facebook 😂 but good luck to you! However, the problem is that people like you create a panic with their half or little knowledge.
Andy ************
@Dirk *************
You are totally correct. This guy Graham Heyes is continually pushing this nonsense, posting these links to his accountant mates probably on a commission. Savings are not taxed, pensions are not taxed. Lots of fear-mongering by these online "experts" touting for business!
Graham *******
Graham *******
"Generous Tax Exemptions" No! Most people do not even know there has been an instruction form the Gov to implement the tax system for all.
Graham *******
@Dirk *************
I agree its a wake call to people. Here is the full tax code.
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.html
Tom ************
@Graham ******
pay tax on what, money they already have you keep in their bank?
Graham *******
@Tom ***********
nearly everything you bring in, pensions, saving, investment, rent income.
Tom ************
@Graham ******
those on on bsic UK state pension shouldn't worry. I hope.
Graham *******
@Tom ***********
Problem is Tom, UK state pension is below the uk tax allowance so you pay no UK tax and therefore you have no tax credit to offset against Thai tax so I believe you will pay some thai tax. Are you aware that a UK state pension gets frozen when you move to Thailand, and you do not get annual increases in the state pension. In TH you get 60k baht allowance and 190k for being over 65 the first 150k is zero tax after that the first band is 5%.
Tom ************
@Graham ******
money in Thai bank gets very little interest, but what it does gets taxed, where does this tax go if you have never put a tax form into gov.
Graham *******
@Tom ***********
If u have money in a Thai bank that bares interest, the bank deducts withholding tax automatically and pays it to the RD.
Luke **********
@Graham ******
if there’s a double tax agreement between your country and Thailand this won’t happen
Graham *******
@Luke *********
Not totally correct you have to read the detail of the DTA carefully, in most cases you get a credit for tax paid in the source country which can deduct from Thai tax.
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and
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/FOREIGNERS_PAY_TAX2024.pdf and https://www.youtube.com/watch?v=cw4KvgqimiI
Luke **********
@Graham ******
exactly and using my country Australia as an example , our tax rates are more than Thai so we would get a tax credit in Thailand
Andy ************
@Luke *********
Keep your Australian Tax Residency (which is easy) and you won't pay a cent tax in Thailand.
Graham *******
@Andy ***********
you might find Carls vids helpful.
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Andy ************
@Graham ******
Not at all. I'll stick with official government information which tells me I'm not liable for Thai income tax! That's good enough for me! 😂😂😂
Graham *******
@Andy ***********
save it for the RD.
Andy ************
@Graham ******
Exactly! I'll stay away from creeps like preying on the gullible!
Graham *******
@Andy ***********
we use these guys to help us find the information needed, we have no intention of using them. We take this info to our FB groups and physical groups to help each other understand the requirements and comply with them. Going forward people's actual experience interacting with RD will be vital.
Andy ************
@Graham ******
I phoned the tax office. Have you done that? I don't think so, because if you had you'd get the information direct from someone with no bias, and you'd stop posting the rubbish which you have been! Try it! 😂😂
Graham *******
@Andy ***********
Many have gone to the Tax office with many issues, they have said in some cases they have been met with anger and told to leave. Others claim the tax office is clueless. Others have been told to come back next year, etc. etc. Personally, I have not consulted as yet the tax office, I may well do so but for now I am content, as are many of us to learn for ourselves and become well informed for if we need to get it from the horse's mouth.
Andy ************
@Graham ******
And of course not knowing the reality, people (such as yourself) can keep spreading the misinformation! Lol
Graham *******
@Andy ***********
We feel we are well informed already as a group and we continue to look at what docs we may be called upon to provide to prove our position in case of an audit. WE simple encourage people to stay in the loop. Instead of coming to a conclusion, possibly wrong. Frequently another person's eyes see thing in a different light.
Graham *******
@Luke *********
yes, you need to read carefully the DTA this might help:
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Graham *******
@Tom ***********
Look for more of Carls vids on YT. they will help u get up to speed.
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and
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/FOREIGNERS_PAY_TAX2024.pdf and https://www.youtube.com/watch?v=cw4KvgqimiI
Anthony *******
ORIGINAL POSTER
I'll apply for in the UK where I live .
Anthony *******
ORIGINAL POSTER
@Graham ******
I was thinking of getting a 6 months visa first .then trying to get the 1 year visa there .is it doable.
Graham *******
@Anthony ******
why? The process is come to Thailand get non o visa and apply for 12 month extension of stay, leave if u want and come back just get a re-entry permit.
Anthony *******
ORIGINAL POSTER
@Graham ******
I'll be in Thailand for 4 weeks in december.then wanting to retire prob next march .is there a good agency that I need to look up .
Harry ********
@Anthony ******
Hi

Contact Nadeem Yousuf on office number +66 2 188 8651

Email

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great 1 day service tell don bradman sent you

Hope this helps
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