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What do I need to know about applying for a retirement visa in Thailand with a Non-O visa?

Jun 18, 2025
a day ago
Polat *******
ORIGINAL POSTER
I arrived in Thailand on a 3-month Non-O visa. After securing a lease and getting a letter from immigration, I was able to open a bank account. (Bangkok Bank refused me even with the immigration letter, but Kasikorn Bank accepted.)

Now I’m preparing to apply for a 1-year retirement visa. I have a few questions for those who have gone through this process, especially without using an agent:

1. Is medical insurance required for this visa?

2. How long do I need to wait after transferring the required funds before I can submit my application?

3. After the extension is granted, do I need to keep the full amount (or part of it) in the account, and if so, for how long?
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TLDR : Answer Summary
The user is transitioning from a Non-O visa to a 1-year retirement visa in Thailand and is seeking advice on medical insurance requirements, fund transfer timelines, and maintaining bank balance after visa approval. Responses highlight that medical insurance is not mandatory, funds must be in the account for 2 months before applying, and the balance must stay above a certain amount after extension.
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.
Gilles ******
Best is to transfer >1 000 000 ,that way you can use some money from yr thai bank account if needed during the 3 months after you get retirement visa 👍
Stephen ********
I had everything done through Anna’s Visa in Hua Hin, they take you to immigration as well as take you to KBank and setup your bank account, easy process.
Charles ********
Great post and thread
Ho ******
Hurry! After arrival only 1 months to put the 800k into the account.
Polat *******
ORIGINAL POSTER
@Ho *****
In case of a delay, can you extend one month if you're on a 3 months visa? Any idea?
Ho ******
Ho ******
Or wait. Ur visa is valid 3 m. Zero idea how long they stamp if you do a reentry. If again 3 month, you have plenty of time, 6 m max.
Polat *******
ORIGINAL POSTER
@Ho *****
Mine is single entry 3 months visa. I wonder If I want to extend my stay for 30 days paying 1900 B, will immigration grant it
Ho ******
@Polat ******
you can buy re entry. Zero idea if this works for non o. Probably not.

Extension by 30 is not possible.

So hurry or reapply here for a new non o if you cannot deposit within the 1st month
Graham ******
@Polat ******
You've already been told no. Get the money deposited ASAP so that 2 months after (seasoning) you can apply for your 12 month Extension of Stay (not a Visa)
Polat *******
ORIGINAL POSTER
@Graham *****
I asked chatgpt and it says I can get 30 days extension. Will ask immigration tomorrow, I live close to their office.
Graham ******
@Po***
You either asked the wrong question or CHATGPT is crap, maybe both regarding Immigration issues ;)
Ryan **********
@Polat ******
can i know which branch you went to? I have been tying for 3 months and keep being told no and i have the same info you have. so far only if i paid visa agent am i getting told yes.
Polat *******
ORIGINAL POSTER
@Ryan *********
Branch of which bank? If it is Kasikorn, the branch close to Dongtan Beach.
Ivan ******
may I know what letter from the immigrant did you get and was it required for the bank account?
Giovanni **********
@Ivan *****
I was given a certificate of residency. Bangkok bank account opened no problems
Polat *******
ORIGINAL POSTER
@Ivan *****
Immigration issues a letter to the specific bank at which you plan to open an account. It basically verifies that you live at the adres stated in TM30.
Cruise ******
@Polat ******
so you said you went Bangkok bank but rejected. So you went back to immigration and ask for another letter to Kbank?
Polat *******
ORIGINAL POSTER
@Cruise *****
Yes. After I got rejected by BB, I went to Kasikorn Bank's closest branch. They just told me to bring the letter from immigration. Immigration issued a new one for 300 B.
Brandon ************
1) No

2) The money must be in your account for 2 full months at the time you apply for the extension. So if the money arrived in your bank account on June 15th, you cannot apply for the extension until August 15th.

3) For a retirement extension, the 800,000 must remain in the account for 3 months after the date of the extension, and then can never drop below 400,000. The bank balance must be back at 800,000 for a full 2 months by the time you apply for the following extension the 2nd year.
Donnie **********
@Brandon ***********
Let's hear it for Mr Thurkettle..! Thanks for being such a good man and all your help..
Philip *******
@Brandon ***********
or have monthly deposit of
*****
baht into account from overseas
Robert *********
@Brandon ***********
better than AI - as usual Sir
Thierry ******
@Brandon ***********
they will ask monthly statements of the past to check !
Polat *******
ORIGINAL POSTER
@Brandon ***********
Thanks for the detailed answer. Hypothetically speaking, what happens if the amount drops below the req. number? They do have a surveillance system for the accounts?
Vinod ***************
@Polat ******
just one question. If I put 800K for 2 months and spend 400K the next 10 months and again transfer 400 K to bring it to 800K 2 months before renewal. Will it be OK
Jesper *******
@Vinod **************
after extension is granted 800k needs to stay in acct for 3mths and after that yes u can spent but need to bring it up to 800k 2mths before next extension
Vinod ***************
@Jesper ******
Thanks Dear

Just to sum up my understanding

1. Put 800K 2 months before 1st extension

2. Keep it for 3 more months after 1st extension

3. Spend max up 400K For the next 7 months

4. Bump it up to 800K before next extension

5. Repeat

I believe minimum 65K per month remittance is not applicable in this type of Visa
Jesper *******
@Vinod **************
this is the conditions for the first year extension while maintaining it you still can do deposits of 65k/mth (foriegn transfer) and print out 1 fullyear statement to show the immigration for the 2nd year extension and request to use the 65k/mth method
Marianne ********
@Vinod **************
it is. Just not the 1st year.
Vinod ***************
@Marianne *******
You mean 65K per month only for the 1st year

Or

800K for 3 months after extention for the 1st year

Thanks for you help and time
Kool *******
@Vinod **************
no, the bt800,000 must stay in the account for at least 3 months after you get your year extension stamp.
Lee ******
@Polat ******
at Krabi immigration you must have 3 items pertaining to your banking history

1. Bank passbook with a withdrawal or deposit of any amount dated the day you go to immigration.

2. A full statement of all deposits and withdrawals.

3. A letter signed by the bank manager.
Thomas *******
@Polat ******
You bring your bank book or statements to the next extension and they will see that it dropped below 400k baht. There is no way around it. If it goes below 400k, you will have to start all over again,
Polat *******
ORIGINAL POSTER
@Thomas ******
Oh. I didn't think about that. Thanks man.
Thomas *******
If you get your first extension and can transfer 65k+ every month for 12 months without fail monthly, you can then extend based on monthly transfers and the 800k can be available to you. If you extend with the 65k transfer that money is also available to you every month as long as you don't miss a monthly transfer.
Thomas *******
@Polat ******
You're welcome.
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