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What are the tax implications of the 800,000 baht requirement for a Thai retirement visa?
Thailand retirement visatax implications800,000 baht depositdual tax agreementsvisa requirementstax residencyfinancial regulations
May 5, 2025
a year ago
John ****
ORIGINAL POSTERAm I missing something here . Thailand requires me to deposit 800,000 baht into a Thai bank account to get my retirement visa. After 180 days they can then tax my 800,000.
TLDR : Answer Summary
The discussion revolves around the necessary deposit of 800,000 baht into a Thai bank account for obtaining a retirement visa in Thailand. While some participants express concern about potential taxation after 180 days, others clarify that the 800,000 baht itself will generally not be taxed as it is considered capital rather than income. However, any interest earned on this deposit is subject to withholding tax. Further, tax obligations depend on an individual’s residency status and any applicable dual tax agreements between Thailand and the expatriate’s home country.
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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Kennys ********
Is that how it works ?
Michael *********
Us social security non taxable
Andy ********
A lot of people are offering incorrect information here so be cautious about soliciting tax advise on Facebook. Do your own research.
The situation as I understand it is, Thailand will tax your remittances into your Thai bank accont if you are a 'tax resident' at the time of the transaction. There are perfectly legal work-arounds, but you still need to know what you're doing.
The situation as I understand it is, Thailand will tax your remittances into your Thai bank accont if you are a 'tax resident' at the time of the transaction. There are perfectly legal work-arounds, but you still need to know what you're doing.
Tony **********
If you do it before July 1, then yes, if you reside in Thailand for the remainder of the year then technically that is money remitted into Thailand and could be taxable. Best to make your move here July 1 or after to avoid the 1st year of remittance.
Albert ********
Is it still the case any government source retirement income ( I have a local gov and SS) is not taxable due to dual tax agreement?
Jim ********
@Albert *******
you can Google and read your country’s DTA with ThailandReply to
Jim ********
Reply
John **************
The Thai authorities will deduct a tax from the interest your deposit earns. Can't remember the %, but it isn't very much. Your principal will not be taxed. I'm American, if that helps. But, your nationality shouldn't matter, it's a tax on the interest.
Albert ********
@John *************
correct me if I’m wrong, also only after 180 days and one is then considered a tax resident?Pete *******
@Albert *******
nope, withholding tax on interest is liable from day one as it is domestic income, residency doesn’t come in to it.Reply to
Pete *******
Reply
William ***********
Maybe only taxed on the interest earned. So basically nothing.
Pete *******
@William **********
“assessable” foreign sourced income, on remittance, whilst tax resident, above minimum thresholds is subject to Thai taxation.Reply to
Pete *******
Reply
Ming ****
Never bring all money into Thailand. Just a proportion of it enough for a quarter. The bank can give any reason to freeze your money if they think you are laundrying.
ณิชาภรณ์ ********
📌
Peter ******
If you send income from 2025 you should have to pay tax! But Here we are in TH. 🫣🫣
Pete *******
@Peter *****
only “assessable” income is taxed.Reply to
Pete *******
Reply
Maria *****************
Thai Visa well recommended
Martin *********
No , I’ve had my 800k in one account for years , it’s dead money ie don’t earn any interest , but I’m not taxed on it ?
Stephen *********
Stop this childish bullshit. Bored people living in Thailand talk about bullshit.. No common sense.
Nick *******
@Stephen ********
only one child here. Stop trollingReply to
Nick *******
Reply
Ken *******
It will depend where you live when in Thailand and the revenue office you go to AND who is on duty behind the desk you go to..if you don't get the answers you like in the revenue office go back another day and see a different officer.
Bruce ***********
@Ken ******
I'm not doing anything until I'm made toKen *******
@Bruce **********
same as me..Reply to
Ken *******
Reply
Marty *******
Well my friend you may not have any tax owed depending what kind of money you used and when that money was saved. I bring in only social security which is 100 percent exempt from taxes due to The double taxation agreement.
Ralph *******
They won’t tax the 800k - it’s not income.
Pete *******
@Ralph ******
interest on the 800k is income and will be subject to withholding tax. Taxation on the original transfer is dependent on circumstances, it may or may not be taxable.Ralph *******
@Peter *****
What’s so funny?Reply to
Ralph *******
Reply
Andy ***********
Assuming you are not making
any income in Thailand … then no need to complete tax return
any income in Thailand … then no need to complete tax return
Pete *******
@Andy **********
incorrect, foreign sourced assessable income remitted into Thailand whilst tax resident above minimum thresholds makes you subject to a tax filing requirement.Reply to
Pete *******
Reply
Alan **********
Yous agent MANEERAT
YT ********************
No taxes
Les ***********
There has been a lot of hype about tax.
Particularly by unqualified and people who don’t know what they are talking about.
No, you will not be taxed.
Particularly by unqualified and people who don’t know what they are talking about.
No, you will not be taxed.
Pete *******
@Les **********
I agree with you some people don’t know what they are talking about. At a minimum he will be liable for withholding tax on any interest earned.Les ***********
@Pete ******
Yes! I don’t like to say it.Someone is asking a genuine question question.
Then a lot of misleading information is given.
Reply to
Les ***********
Reply
Paul **********
If you get taxed here you can claim it back in UK if your from UK. Because you have already paid tax on it
Pete *******
@Paul *********
that’s not how it works. You claim a UK tax credit against your Thai tax liability not the other way round.Paul **********
@Pete ******
same same but differentPete *******
@Paul *********
nope, completely opposite and if you can’t see that then you’re not serious.Paul **********
@Pete ******
you made your point. ChillReply to
Paul **********
Reply
Richard ********
Legally there is an argument that the Thai government ie: immigration now require you to bring in 65k per month or 400k or 800k baht locked account that you will pay tax on in the first year and if on the 65k per month, theoretically you will pay tax on that every year fiscal year. Could be interesting in an international court, but "WHO" with a bottomless bucket of money and gold would fund it 🧐🤔😆😆😆 think not but someone should.
Les ***********
@Richard *******
You are off subject.Pete *******
@Richard *******
You pay withholding tax on interest earned on your Thai bank account. What’s your point?Reply to
Pete *******
Reply
Oo *****
Best thing is to convert to the 65.000 a month asap. They even take 50% of any interest your money earns. Dead money.
Pete *******
@Oo ****
15%Richard ********
@Oo ****
are you sure, perhaps if you are married and we are not yet so we are using the 65k per month. A marriage visa is the way to go 400k max for 5 months. Then put any extra in her account as a giftReply to
Richard ********
Reply
John ****
ORIGINAL POSTERThe words of Jomtien r d . The man in there who speaks English said . And money you bring to Thailand is taxable . His words . ( new law )
Chizel *******
@John ***
Peter Rowe/Power is the man to listen to mate, definitely don't go by @Peter *********
advice as he posts some strange stuff.John **********
@John ***
not money. Income. It's called income tax for a reasonPete *******
@John ***
sorry that’s just nonsense. Only “assessable” income is taxable.Reply to
Pete *******
Reply
John **********
Whether you will be liable for tax on the 800k baht or not will depend on a number of things. Firstly only income received after
*****
/2023 is liable for tax. Secondly you must be a Thai tax resident in the year you bring the income into Thailand. So the answer to your question is maybeKevin ********
@John *********
Definitely maybe.Les ***********
@John *********
He will not be taxed.Rok ********
@John *********
3rd only remitted money to Thailand is taxable in Thailand , not earned globally .. and 4th to take the double taxation treaty into account (if in place)Reply to
Rok ********
Reply
Harry ********
You don't get taxed
You can use it every day if you want as long as the balance doesn't go below 800,000
It just shows them that you can support yourself.
That's all it's designed to do
You can use it every day if you want as long as the balance doesn't go below 800,000
It just shows them that you can support yourself.
That's all it's designed to do
Richard ******
Can you deposit it in Thailand wife bank account instead or you have to be in your name?
Thomas ********
@Richard *****
if you put your wife's name on the account, they conceder half of that is hers, so instead of 800,000, total must be 1,600,000Richard ******
Reply to
Richard ******
Reply
Les ***********
@Richard *****
It has to be in an account in your name only.John ****
ORIGINAL POSTER@Richard *****
has to be in your own nameRichard ******
@John ***
ok,so you have to open Thai bank account.ThanksReply to
Richard ******
Reply
Colin *********
You get interest on the money which is more than the tax
Bob **********
You can take down 400k after three months all we heard here was tax,tax,tax well that seems to be gone haven’t heard any Tax lawyers or accountants speaking any more
Simon *******
Best thing to do, rather than ask Facebook 🙈, is to get a tax expert to provide you with advice
Nigel *********
So what about money brought into Thailand to buy a condo?
Terrence ***********
You want get taxed. That’s not income.
Jon ********
Who told you that ? Not correct
Gary ********
@Jon *******
not correct until some clever clogs Thai politician decides to tax that too. Nothing in this country surprised me. Well actually this new entry doc has. They were banging on about 300 thb entry fee for a few years. I'm surprised it's not to after on to this new docLes ***********
Gary ********
@Les **********
it's not a ramble Mr know fuk all. It's an observation. Go back to Mommy's basement.Reply to
Gary ********
Reply
Jon ********
@Gary *******
if you don’t know what you are talking about don’t post nonsense.Gary ********
@Jon *******
why is that nonsense. I probably know way more than u about Thai visa etc, so wind ur neck in. You're not even resident in Thailand nob head.Reply to
Gary ********
Reply
Gamie *********
Yes it’s a joke I’ve given up plus it’s too hot need some air
Peter ***********
You're dead right. You really are missing something! You won't be taxed a single baht
Arnold **********
If people are going to live in a country they should pay taxes
Mickey ********
@Arnold *********
I live in Thailand and pay UK taxes. That is what the dual tax agreement is all about!Jeff *******
@Mickey *******
Good luck with the thai tax office understanding that, I mean it's not like there are over 200 countries in the world with differing DTA'sReply to
Jeff *******
Reply
Mike ********
@Arnold *********
it my pension is taxed at source. I am From ukJordan *****
@Arnold *********
we already pay indirect taxes in Thailand (at moment of purchase) and it’s no rule that people living in a particular country have to pay income tax, for wage, interest, profit, rent, that was earned in another country (how I did living in Europe and Cambodia while earning income from North America) so please spare us these platitudesJeff *******
@Jordan ****
name another country where you could get away with that? A country that only taxes you on purchases.....got my popcorn readyNick *******
@Jordan ****
there is a rule - if you are here more then 180 days you are a taxed resident! it doesn't mean you will have a liability - that depends on many factors - but that is the rule in thailand. If you do not like it then you shouldn't stay here for that long. simple reallyJordan *****
@Nick ******
i was just explaining that double taxation is more of an exceptionReply to
Jordan *****
Reply
Mickey ********
I have UK pensions. I enquired about this in Phuket and they were not interested. Basically told me not to worry.
Arnold **********
What is your problem
Luigi ***********
Maybe yes, you also have to finance the corruption and bribes of the entire Thai Government structure. In addition, you will always be considered as temporarily stay in Thailand.
You will never have the opportunity to regularize your legal residence in Thailand, even if you have family members who are Thai Citizens.
PS.
You will stay temporarily until the day you have financial availability for yourself and your family.
Always remember this ❗️
You will never have the opportunity to regularize your legal residence in Thailand, even if you have family members who are Thai Citizens.
PS.
You will stay temporarily until the day you have financial availability for yourself and your family.
Always remember this ❗️
Kevin **********
@Luigi **********
Can I write them off as a tax deduction?Reply to
Kevin **********
Reply
Alastair *******
You could arrive in Thailand 179 days before the 31 Dec and send your money before that date!
Daryn *********
Cambodia travel,, in Pattaya they will do everything for you,, including 800k for a small fee 😎👌👌
Wayne *****
@Daryn ********
Small fee??? 😂😂😂Reply to
Wayne *****
Reply
Marty *********
One strategy in the first year of living here is to move to Thailand after July 1 and bring the 800,000 in during that final 6 months. Less than 180 days and you are not a tax resident for that year.
Kevin ********
@Marty ********
That is my plan. 800k for me and 800k for my wife. I’ll have my US Social Security deposited into my Thai bank and I should be able to draw my 800k out after a year. I’ll use a service the first year. Should be able to renew without help.Reply to
Kevin ********
Reply
Pete *******
The Thai interest paid on your 800k held in a Thai bank account will most certainly attract withholding tax , resident or not. Now if the original 800k transfer is taxable depends on your tax residency in year of transfer, the source of the 800k and any relevant DTA in place. So the answer is, it depends.
Peter **********
John So
We have a SIG where we detail the fiscal consequences of moving (money) to Thailand. While I am merely the admin, and have some knowledge on the subject, we have a number of users like Pete Power here, and a few Thai tax lawyers, who are quite deep into specifics on the subject.
We do not discuss visa requirements and such. The group is strictly limited to factual discussions about the tax laws.
You can find the group here (click):
PS: Basically, if you have earned 800,000 baht taxable income in 2025 it might be taxable. Most expats don’t earn that much foreign taxable income in less than six months.
We have a SIG where we detail the fiscal consequences of moving (money) to Thailand. While I am merely the admin, and have some knowledge on the subject, we have a number of users like Pete Power here, and a few Thai tax lawyers, who are quite deep into specifics on the subject.
We do not discuss visa requirements and such. The group is strictly limited to factual discussions about the tax laws.
You can find the group here (click):
************************************************
**********
*****
*****
*****
/PS: Basically, if you have earned 800,000 baht taxable income in 2025 it might be taxable. Most expats don’t earn that much foreign taxable income in less than six months.
Gary ********
@Pete ******
if I were you, I'd leave my money in my home bank. Use an agent to facilitate ur visa and bank account. No hassle, easy as pie and all done in a morning. Pm me for details if u need toPete *******
@Gary *******
fraudulently obtaining a visa is not good advice.Reply to
Pete *******
Reply
Niall *******
That's not true. Any money you bring into Thailand as a non-resident is not taxable.
Niall *******
Savings are any money not earned in the current tax year.it could be the sale of a house I your home country. The funds can then be transferred to Thailand tax exempt. Earnings, excluding government/state pensions, brought into Thailand are not tax exempt. All earnings in another country and not brought into Thailand are tax exempt.
Elías ********
@Niall ******
if you become a tax resident, then there MIGHT be tax implications.Niall *******
@Elías *******
Not necessarily, but it will be up to you to demonstrate when the money was earned. Savings are not taxableNick *******
@Niall ******
it depends on the source of the savingsNiall *******
@Nick ******
No, if you bring any money I to Thailand as a tourist is non taxable. Likewise, monies earned, (savings) prior to becoming a resident (180 days) is non taxable regardless of how you saved your money.All money earned outside Thailand and not brought into Thailand is non taxable.
Nick *******
@Niall ******
right but you say savings are not taxable! That is wrong. If you earn money in a year you are tax resident in Thailand, put it in a savings account, and then remit to Thailand it is assessable. That’s all I’m saying.Niall *******
@Nick ******
The key word you used there is Earned. That's income, not savings.
By savings, I mean money earned before before you became eligible for tax in Thailand, ie. More than 18p days.
Nick *******
@Niall ******
all money is earned ultimately - even savings unless you were gifted it, or inherited it. I read your original comment to mean anything from savings account which is not correct.Reply to
Nick *******
Reply
David **********
@Niall ******
non resident is under 182 days, anything over that and you become a tax resident.Reply to
David **********
Reply
Wannikea *********
Just because you bring in the money, it doesnt automatically become a tax liability after you stay 180 days in Thailand. Consult a Thai tax attorney.
Nick *******
Where and when did the money come from. If you made it during years you were not a tax resident then it will not be taxed. If you made it in years you were a tax resident it will depend on whether you have already paid tax on it, and whether there is a Dual Tax Agreement in place with your country
Tony ********
Talk to a reputable visa agent and go from there
John ****
ORIGINAL POSTER@Tony *******
I have and they pointed me to the revenue office as they not sureTodd *********
@Tony *******
lol. Can they do your taxes?Reply to
Todd *********
Reply
Marty *********
Money you earned in 2023 is not taxable so if you could show you had the money then you would be OK for a while.
If you have $80,000/year passive income then look into the pensioner LTR. Money brought in under a pensioner LTR is not taxed.
If you have $80,000/year passive income then look into the pensioner LTR. Money brought in under a pensioner LTR is not taxed.
Nick *******
@Marty ********
if this year (2025) is the first year you are a tax resident, anything you earned in 2024 is not taxable.Andy *********
@Nick ******
incorrect - that’s the loophole they closed - it is any income prior to 1.1.24 that can be shown in place alreadyNick *******
@Andy ********
watch this. They are the experts. Specifically the conditions bit at around 9 minutes. ************************************************
Nick *******
@Andy ********
you are wrong. If 2025 if the first year you are tax resident anything earned in 2024 is not taxable. If 2026 if your first year, anything earned in 2025 is not taxable and so on.David *****
@Nick ******
thisReply to
David *****
Reply
Marty *********
@Nick ******
This is where talking to a tax attorney makes sense.Nick *******
@Marty ********
yes, I have.Reply to
Nick *******
Reply
Alan ********
Think the point is about the tax it depends on country your coming from some have agreements with tax laws with Thailand so u can’t be taxed twice correct me if I’m wrong
Phil ******
@John ***
I really think you need professional advice here to understand taxation and liability if you have.John ****
ORIGINAL POSTER@Phil *****
yes but who ?Graham ******
@John ***
a tax accountantPhil ******
@John ***
ok there's many people here. Ben of @Integrity ******
has done many utubes so make contact with him.Look at his utubes too
Reply to
Phil ******
Reply
David **********
Depending on the country you are from (if there is a double tax agreement) if you have already paid tax in your own country you won't be taxed here regardless how long you stay .
Check and look for the agreement from your home country.
Check and look for the agreement from your home country.
Jim ********
@David *********
depends on how and when the money was earned. But you will receive a tax credit for the tax you paid in your home country.David **********
@Jim *******
Correct, if there is a double tax agreement in placeReply to
David **********
Reply
Todd *********
@David *********
actually you still will be taxed here. But your taxes paid in other nation will count as a credit. If you owe more here… you payChizel *******
@Todd ********
that's wrong and a pretty wild statement to make, without even considering the exempt income remittances which requires no filing obligations or tax to pay there is also, Article 4 paragraph 3 in the Aus-Thai DTA which states; "3. Where by reason of the preceding provisions, an individual is a
resident of both Contracting States, the status of the person shall be determined in accordance with the following rules, applied in the order in which they are set out.
(a) the person shall be deemed to be & resident solely of the
Contracting State in ₩hich a permanent home is available to the person;
(b) if a permanent home is available to the person in both Contracting states
or in neither of them, the person shall
be deemed to be a resident solely of the Contracting State in ₩hich the person has an habitual abode;
(c) if the person has a habitual abode in both Contracting States, or in neither of them, the person shall be deemed to be a resident solely of the Contracting state with which the
person's personal and economic relations are the closer."
Todd *********
@Chizel ******
overall, nobody gives a rats ass about the lost world down under. As I also clearly stated here, it depends on the unique individual tax agreement your nation has with Thailand. Follow that first.Chizel *******
@Todd ********
I was replying to your comment where you said "actually you still will be taxed here. But your taxes paid in other nation will count as a credit. If you owe more here… you pay" which was incorrect. But yes as you just replied now it depends on the DTA among other things.By the way it looks like you're pretty upset about about the land down under, sounds like an Aussie bloke must've shagged your wife or something 🤣 what's got your knickers in a knot?
Todd *********
@Chizel ******
that’s why you read the comments instead of stroking yourself with useless commentary. It actually sounds like I found your overall level of entitlement amusing. Try not to destroy your day old boy. Not so many left
Chizel *******
@Todd ********
I'm not going to read every comment on the post looking to see if you added anything extra to your first incorrect reply. I was responding to this comment you made. Also, Old boy, I'm only mid 30s lol.Reply to
Chizel *******
Reply
David **********
@Todd ********
Depends on what monies we are talking about, social security from the states then no, Superannuation that is already taxed in Australia, then no. If you work in a tax free country then yes,
It's not a one glove fits all,
When I spoke with the tax office in khonkean this was explained to me,
In my case Australian, my super is taxed,
So no tax will be paid here,
However they couldn't tell me yes or no on the pension in Australia as it doesn't come under social security,
Todd *********
@David *********
it doesn't really depend on the monies remitted. It depends on the tax treaty between Thailand and your home nation. Each is unique, albeit with some overriding similaritiesDavid **********
@Todd ********
Which is why I said to the OP to check with the home countries agreementMike ******
@David *********
you need to pay tax for 401k or pension withdrawals in AmericaJohn **********
@David *********
while you're right that there's no one size fits all IF you bring assessable income into Thailand in a tax year where you are a Thai tax resident then you are liable for Thai tax. Whether you actually end up paying Thai tax or not will depend on how much you bring in, what allowances you can claim and what tax credit you can claim for tax already paid on the assessable income you bring in. Whether income is assessable or not will be defined in the Dual Tax Agreement between your country and Thailand.David **********
@John *********
Which is why in my first comment I said for the OP to check the agreement with his own country, And you are correct about allowances etc,
Married or single etc, pre taxed monies etc,
Reply to
David **********
Reply
Melissa *********
In calendar year 2025 do you plan to be physically in Thailand more than 179 days?
John ****
ORIGINAL POSTER@Melissa ********
yes . It’s also over a whole Callander year !Kool *******
@John ***
don't believe all that hype. Thailand trusts you paid income tax on any money you bring into Thailand, until you prove them wrong, especially concerning retirement. All Thailand cares about is that there is a paper trail of all the money you bring here.Reply to
Kool *******
Reply
Peter *******
Yes you're missing something alright
Pat ******
Choose normal agent, they provide everything
Roger ********
@Pat *****
you can’t complain about being taxed for using agent money otherwise you are admitting to abusing the system.Todd *********
@Roger *******
there is such thing as 'abusing the system'. There is using the system as it is set up. And in spite of some oddly misplaced angst from a few regular commenters here, agents are thriving.Pat ******
@Roger *******
no shit Sherlock 🕵️Reply to
Pat ******
Reply
Greg *********
@Pat *****
Getting taxed on somebody else’s money they’re loaning you for a visa would be even worse! 🤣Todd *********
@Pat *****
they won’t help your tax situation thoughIgor *********
@Pat *****
they won't.... 🤣😂😅Albert ********
@Igor ********
the very first agent I contacted a few months ago offered to put up the funds. I didn’t even bring up the subjectPat ******
@Wayne *******
+66 84 186 5049Albert ********
@Wayne *******
like I said it was months ago, Thai Visa Pattaya. A Mr. Singh if I remember correctly, is who messaged me. I’ll be moving to Hua Hin and I’ll be using Hua Hin Visa Solutions. I’ll be able to walk to her office. So convenientReply to
Albert ********
Reply
Pat ******
@Igor ********
??? They dis to me .. even all bank statments.. let me know if need contacts..Mel *********
@Pat *****
may I have the contact for the agent too, please 🙏Pat ******
@Mel ********
+66 84 186 5049Mel *********
@Pat *****
thank you 😊Reply to
Mel *********
Reply
Tony *****
This will be interesting 🤨
Chris **********
@Tony ****
well Tony out of all of the comments I've read in this string I believe yours to be the only one that is 100% accurateTony *****
@Chris *********
😂😂😂 great comeback.Reply to
Tony *****
Reply
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