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Answered3 months ago

What happens to the THB 800,000 deposit for a non-immigrant O or OA visa if I choose not to renew my visa?

Non-Immigrant O Visa Non-OA Visa THB 800,000 Deposit Visa Renewal Expat Banking Issues Transferring Money Out of Thailand

Fei-wei ******

OP

asked Jul 27, 2026

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Re: the THB 800,000 deposit for the non immigrant O or OA visa

Has anyone decided to give up or not renew the visa, and has subsequently successfully withdrawn all or almost all the funds? 

Some webpages comparing the Thailand Privilege Card vs the retirement visas treat the THB 800,000 like an "expense" suggesting it must be kept there as long as the visa is desired (which is correct), but then say nothing about what happens if the visa position is unwound. Which would make someone think as though this THB 800,000 deposit cannot be depleted if no longer required.

Answer summary

The discussion revolves around the THB 800,000 deposit required for the non-immigrant O and OA visas in Thailand. Users emphasize that this deposit is simply a personal bank balance and can be withdrawn when the visa is no longer required. Several commenters share personal experiences regarding transferring or withdrawing this amount both in cash and electronically without any significant issues. However, some also highlight potential challenges like anti-money laundering regulations and bank policies that might affect large transfers. Ultimately, the consensus is that this deposit is not 'locked' in a way that prevents access once the visa status changes.

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Fei-wei ******

Fei-wei ******

OP

Update 1651hrs GMT:

Thanks everyone who answered.

2 gentlemen have graciously answered my question exactly to the point.

I can't edit my first post for some reason to say this.

Tried reaching out to the Admin but I need to sleep.

So I will turn off Commenting now.

Good Night and Thank You.

0

Greg *******

Greg *******

I took it all out and transferred to different account when I changed to visa that doesn't require money in Thai bank

1

Fei-wei ******

Fei-wei ******

OP

Greg Cygal Thanks. Your answer is very helpful.

0

John ********

John ********

watch this video

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Fei-wei ******

Fei-wei ******

OP

Thank you.

Not exactly what I want to know, but 2 people have graciously answered my question right to the point.

1

Nugluv ********

Nugluv ********

$24,000 USD

0

Kevin *******

Kevin *******

I Used DeeMony. Did it in incremental withdrawals.

1

Adam *********

Adam *********

Weird how not one person has answered his question.

Understandable as someone who has not renewed their visa is unlikely to still be in the group.

Still, "there should not be an issue as it's your money" is not answering the question. I could give that answer yet have no clue if you are likely to have problems with taking out the cash either all at once or in chunks.

It's actually a reasonable question that I had never considered and it's amazing how irritated people get when they have no answer.

4

Fei-wei ******

Fei-wei ******

OP

Adam Randall Actually TWO people were gracious enough to answer exactly what I asked.

2

Tongjun **

Tongjun **

The author is asking if anyone has done it

Not what can be done or how,

Done it as in the past tense.

2

James *******

James *******

It's your money in your bank account. You can withdrawal it when you like. You could transfer it or change it to your home currency if you were to leave Thailand for good. Keep in mind the 800 000 needs to be in the bank for 3 months before and 3 months after renewal.(2 months before first time). And never be below 400 000 for the other 6 months. So it costs you 60 000 to 80 000 baht to have that money in a Thai bank earning no interest if you were getting 5 percent in your home country's account.

2

Fei-wei ******

Fei-wei ******

OP

James Smith Thank you for your answer and the opportunity cost analysis.

My question is:

Has anyone decided to give up or not renew the visa, and has subsequently successfully withdrawn all or almost all the funds?

2 people have been gracious enough to answer exactly what was asked.

Thank you also for pointing out that at the low end of THB 60k in yield foregone, if sustained for 5 years that is a potential cost of THB 300k. So by comparison the Bronze Privilege Visa of THB 650k is now "merely" THB 350k "more" after "losing" THB 300k in interest, so this works out to slightly more than USD 10k for a five year no strings attached visa with included in-and-out for free. Which isn't so bad.

1

James *******

James *******

Fei-wei Chen People don't talk about the interest but it is relevant to some. I have spent many years in Thailand and can tell you 100 percent yes you can draw the money out when ever you like. It will be in a normal bank just like you have in you home county. It is not liked to your visa. You have complete control over it and can use it as you please. It's not in some government holding account.

1

Fei-wei ******

Fei-wei ******

OP

James Smith Thank you for those points. I must maintain a "floor" of THB 400k at all times though, and having to shuffle the money back and forth to use it and yet still maintain THB 800k at the required times is more hassle than it is worth. I will just straight up consider the lost interest of 5% x 5 years against THB 800k (if I am comparing it to the Bronze Privilege Visa).

0

Colin ********

Colin ********

Talk to Thai Visa Centre

1

Thomas *******

Thomas *******

As I understood the regulations right, it's your money in your account. There's no held balance or any other restriction. You have to proof via bank statements, that this amount was untouched since 3 month before the visa extension.

Furthermore it is allowed to have this amount in foreign currencies like US Dollar. The only restriction is to keep it as money daily available.

Which should keep it possible to transfer your dollars out of Thailand again.

1

Fei-wei ******

Fei-wei ******

OP

Thomas Leitz Thank you. My question is:

Has anyone decided to give up or not renew the visa, and has subsequently successfully withdrawn all or almost all the funds?

0

Thomas *******

Thomas *******

I understand but this is not a question regarding the visa regulation, it's regarding transferring a bigger amount of money out of Thailand.

Please check this with a Thai bank customer service agent.

From my point of view it might be possible to transfer a minimum of the amount which you have sent to your bank account in Thailand.

1

Fei-wei ******

Fei-wei ******

OP

Yuen Meng Yong Yes I can confirm that it is the bank that is the problem.

I made 2 transfers within 10 minutes of each other into Kasikornbank both under the THB 2M limit via DBS Remit. The 2nd transfer was blocked, queued and executed 24 hours later down to the minute. DBS Remit's own page only states that there is a 2M limit, but does not say how many 2M transfers you can make. So I have tested that process and can tell you that it is 2M every 24 hours. I incurred an expense of SGD 182 in airline ticket rescheduling because of this surprise and I successfuly claimed it back from DBS!

For info:

***********************************************************************************************************************

0

Yuen ************

Yuen ************

Thomas Leitz you are right. Immigration has no right to stop us from taking back the money. But banking laws may ask for the amount to be withdrawn not all at one go but, (probably) in a few withdrawals. Better to confirm with the bank.

1

Fei-wei ******

Fei-wei ******

OP

Thomas Leitz Thank you. I mentioned the visa only because giving it up is the reason to close the account.

In any case, 2 people have been gracious enough to confirm yes they closed their account all at one go without any problems. Which is the answer I wanted.

1

Paulus *********

Paulus *********

Use Dee money to transfer your money to your own country or where ever you go as long as you have a bank account there.

1

Fei-wei ******

Fei-wei ******

OP

Paulus Handson Thank you. That is not my question.

0

Nongnuch ********

Nongnuch ********

you can take 800,000 THB out of your account in cash, then visit a Superrich and exchange back into your home currency. The Superrich rate is VERY good and you save transfer fees. You are allowed to take foreign cash currency out of Thailand unlimited (but not Thai Baht)

0

Fei-wei ******

Fei-wei ******

OP

Nongnuch Kamdee Thank you for the conditions about exporting THB cash. Very useful.

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Nongnuch ********

Nongnuch ********

Fei-wei Chen taking out 24,000 USD worth in cash, will require to declare at the Thai Customs at the airport. That's all, it is simple and easy

1

Fei-wei ******

Fei-wei ******

OP

Nongnuch Kamdee Thank you!

0

David ****************

David ****************

It was a simple question and the only person that was even close to answering. It was the person who said he sent ฿200,000 to his wise account. The author is asking if anybody had transferred their full amount of 800,000 out of their Thai account to their foreign accounts without any issues.

4

Vic *****

Vic *****

David Hunt Gerholdt contact wise beforehand to announce movement or are all Germans thick

0

Fei-wei ******

Fei-wei ******

OP

David Hunt Gerholdt Thank you very much Sir. EXACTLY.

2

John ********

John ********

The visa position is being unwound?

It’ll just be wound up elsewhere, yea that’s the ticket.

1

Bradley ********

Bradley ********

This conversation is giving me a headache

It’s your money

It’s your bank account

Nobody take your money except you

If you transfer back to another account internationally, but yes, you may have to pay wire transfer fees or whatever other method you decide to withdraw, if there is associated with that withdrawal method

in addition, there’s a conversion rate that you have to take into an account with Thailand and your home Country

I don’t know how many times people can answer your question, and you keep re-asking the same question

Go to the bank and ask them, if you don’t want to believe anybody here

7

Adam *********

Adam *********

Bradley Atkins except nobody including you has answered his question.

It's ok, you don't have an answer to it, no need to complain or attack the op because of it.

1

Fei-wei ******

Fei-wei ******

OP

Bradley Atkins Which part of this question is difficult to understand?

"Has anyone decided to give up or not renew the visa, and has subsequently successfully withdrawn all or almost all the funds?"

I ask the same question again because those who replied did not answer my question.

1

Sharon **********

Sharon **********

Fei-wei Chen I don’t know how you have remained so patient. Classic case of people not really reading the question

2

Fei-wei ******

Fei-wei ******

OP

Sharon Kay Eke It's my first post.

One of the first things I learned is Jai yen (ใจเย็น).😁

1

Duncan ********

Duncan ********

Fei-wei Chen yes I did , transferred the lot from BBK to CBA ( Australia ) using my phone , then I left a week later , although you can still stay till visa expires . PS Came back again 18 months later and got another retirement visa

1

Fei-wei ******

Fei-wei ******

OP

Duncan Morton Thank you Sir!

At last the answer I was looking for!

1

John ********

John ********

Your money so can take from bank. Repatriation is a different issue with anti money laundering regulations to meet. In terms of 800k they would be zero or minimal.

0

Fei-wei ******

Fei-wei ******

OP

John Fitton thank you.

Explaining the source of funds when it lands in my account is my problem, I'm asking for real experiences from people who have closed out their savings accounts all at one go.

0

John ********

John ********

Fei-wei Chen best policy is ... honesty

0

Fei-wei ******

Fei-wei ******

OP

John Fitton Thank you.

No problems there.

Source of funds is salary with taxes fully paid.

All documented electronically and no alterations possible.

0

Jim *******

Jim *******

Does Non-OA visa require 800K THB in Thai bank? From this group I understood it does not, home country bank is enough.

0

Björn **********

Björn **********

Jim Davis / To answer what I think was your question here.

The initial Visa does not require 800K in a Thai account. But the extension of the visa does.

So I guess its just a mixup of the Non-O A visa you apply for from your home country and the extension you do in Thailand within 30 days of the expire date.

0

Fei-wei ******

Fei-wei ******

OP

Jim Davis you are correct. My question remains though about unwinding the deposit.

0

Jim *******

Jim *******

Fei-wei Chen There would be no deposit, with Non OA, visa, your home bank is OK.

However, Non OA requires health insurance by Thai insurance approved entities and police check from your home country.

Most of the retirees here like me, opt for Non O (not Non OA).

0

Fei-wei ******

Fei-wei ******

OP

Jim Davis Thank you. I know all those conditions. Some people prefer to line up all the requirements and complete the process at one go and get an OA.

0

Peter ********

Peter ********

It’s in your bank account. I don’t understand this question.

1

Fei-wei ******

Fei-wei ******

OP

Peter Slaman please see my explanations to the others who also don't understand my question.

2

Rodney *********

Rodney *********

I just renewed my retirement Non O visa today. The 800,000 THB is a non issue for me and I don’t touch it. I have USA Social Security +Plus savings.

0

Wannikea *********

Wannikea *********

@Rodney ********

doh

0

Duncan ********

Duncan ********

@Rodney ********

did you used to be an optometrist ,, coz you use the I word a lot

1

Fei-wei ******

Fei-wei ******

OP

@Rodney ********

Thank you. Renewal is not my question.

0

Rodney *********

Rodney *********

Fei-wei Chen Clarify Please

0

Fei-wei ******

Fei-wei ******

OP

@Rodney ********

the first sentence of my post is not clear enough?

0

Andrew ********

Andrew ********

After getting your inital 1 year extension based off 800k baht - why not deposit 65,000 monthly every month going forward and use that to extend the retirement visa instead of the 800k option

You can use monthly deposits in thai bank instead of 800k on your second year provided you can deposit at least 65,000 thb consecutively - the other option is 400k in savings with deposits monthly around 30,000 ( meaning you can lower the savings amount and off set it by monthly deposits every month as a third option )

2

Graham ******

Graham ******

Andrew Romine Finding an Immigration Office that will accept a new switch to the split savings and deposit method will probably be impossible now

0

Fei-wei ******

Fei-wei ******

OP

Andrew Romine Thanks I have no problems parking that amount of cash so I don't need other ways to maintain the requirements. I'm asking about any difficulties pulling out the whole amount but not in person. Carrying 800pcs of THB 1,000 notes into another country usually violates their cash import laws. Has anyone here sent funds via TT from their savings account out of the country in large chunks like THB 800,000 at one go?

0

Andrew ********

Andrew ********

Fei-wei Chen you can pull the full amount out and carry it back home if you wish keep receipts with you showing where you got the money from. Its not a law to prohibit that amount of money just simply declaring you have over a certain amount going thru customs

Another option is you can wire the money back to your home bank with a fee just need the SWIFT code from your home bank to initiate international wire transfeer

1

Fei-wei ******

Fei-wei ******

OP

Andrew Romine Yes thank you I prefer the electronic method. I have no problems with the electronic trail.

0

Andrew ********

Andrew ********

Fei-wei Chen yes i am speaking from experiance carrying cash over a certain threshold all you have to do is declare it at customs and have documents showing where it came from - each country is different on the threshold

Leaving thailand with large amount thai immigration / customs wont ask. The country you are going to is where you declare it then again they count on the honor system mostly.

When i travel and i have large sums of cash i carry it in my carry on not my checked bag just personal preference

0

Fei-wei ******

Fei-wei ******

OP

Andrew Romine thank you I know the options available. I'm asking for real experiences from someone who has actually done it and what happened at the Thai side of the process.

0

Dave *******

Dave *******

Fei-wei Chen You can also convert Thai baht to your currency at the airport before flying out

Normally there is no limit on the currency amount you travel with , you just need to declare it.

0

Fei-wei ******

Fei-wei ******

OP

Dave Allen Thank you. I'm asking about the electronic method.

0

Andrew ********

Andrew ********

Dave Allen thats the worse place to do it. Rates suck and high fees better off doing it at a bank or currency conversion outside the airport

0

MagentaGo**********

MagentaGo**********

It’s your money and you can withdraw after the visa extension. It means you can’t get your next visa extension.

3

Fei-wei ******

Fei-wei ******

OP

MagentaGoldfish4443 Thanks. That's not my question.

1

Steven ******

Steven ******

Its your cash, you keep control of it in your own bank account. If you decide you want to move it anywhere you can, you just may not qualify financially for the next extension if its not back in the account in time.

2

Steven ******

Steven ******

The most ive ever sent out of Thailand is 200,000 baht and that was back to the UK at the end of last year when I lost my job and needed some cash in my UK bank account for my mortgage. I had no issues transferring the money from my Kbank account into my wise account and then sending it to the UK. Immigration actually has nothing to do with your money apart from checking yearly with your extension to make sure its there.

0

Fei-wei ******

Fei-wei ******

OP

Steven Bell thank you that answer is closer to what I'm asking. I'm not at all mixing the 2 issues of immigration and the deposit requirements. I just want to know if anyone has completely unwound the amount smoothly and with nothing more than TT charges.

0

Fei-wei ******

Fei-wei ******

OP

Steven Bell Understood re the consequences as far as the visa is concerned. My concern is in case one is no longer needing the retirement visa, how difficult is it to take the funds out of Thailand. Some countries are easy when sending money from outside the country in, but very sticky to take money out.

0

Julian *******

Julian *******

if you give up the visa then you withdraw your money. it’s held in a bank account with your sole name on it

4

Adam *********

Adam *********

Julian Lewis have you done it? That is an important part of his question.

People should be able to do many things but when they come to do it, there is a problem.

Asking this question is reasonable. I don't know why you are gatekeeping and defending banks, they do a great many things that should not happen, just ask people who en masse had their accounts frozen last year for months.

1

Julian *******

Julian *******

use your app but the charges may be high. you may have to make multiple withdrawals. or just travel to thailand, get your money transferred and leave. what will the flight cost you ? less than 50,000 baht. of course bring all your paperwork with you

0

Yo***

Yo***

Julian Lewis what paper work?

0

Fei-wei ******

Fei-wei ******

OP

Julian Lewis thanks that would be the case if you're at the bank and want to walk out with 800pcs of THB 1,000 notes. But what if you're outside the country and want to execute a bank transfer to an account outside the country?

1

Greg *******

Greg *******

It’s always your money and you can transfer out anytime you like

11

Greg *******

Greg *******

Just ask AI and all of your questions will be answered with different options.

1

Fei-wei ******

Fei-wei ******

OP

Greg Slack thank you I'm asking for real experience not AI hallucinations.

1

Fei-wei ******

Fei-wei ******

OP

Greg Slack It's OK.

Someone was gracious enough to confirm he emptied out the account via TT with no roadblocks.

1

Greg *******

Greg *******

Fei-wei Chen AI is much more likely to give you accurate info. Are you that old school😆

0

Fei-wei ******

Fei-wei ******

OP

Greg Slack Thanks. Have you personally tried remitting your funds from a Thai account out of Thailand? Was it subject to any fees (eg withholding taxes) other than wire charges?

1

Paddy *****

Paddy *****

Fei-wei Chen I didn’t have any problem, I use Bangkok Bank. A few years ago 1 million baht limit. Now 2 million baht limit. I did on the banking app. Just charged the transfer fees.

1

Fei-wei ******

Fei-wei ******

OP

Paddy Kan Thank you very much!

Another helpful answer!

0

Brandon ************

Brandon ************

I'm not really sure what you're asking. It's your money, in your bank account. You can do whatever you want with it. You just won't qualify for another extension if you remove it.

13

Fei-wei ******

Fei-wei ******

OP

@Brandon ***********

I'm asking for real life cases where someone has given up the visa and his/her experience repatriating the money out of Thailand not just internally to another account, whether there have been roadblocks etc. The way the Privilege Visa is being sold suggests that their fee is good for 5 years (or however long the corresponding visa is), but the THB 800,00 is locked up for as long as the visa needs to be renewed and implies that unwinding the deposit is not that straightforward.

4

Deslea ********

Deslea ********

Fei-wei Chen It’s only not straightforward if you still want a new visa at the end of your current one. Plenty of people have been unable to renew because they withdrew their money and didn’t replenish it in time to season it for their new visa, so it can’t be that hard. The bank will hold the money if they gave you an immigration letter saying it was being held, for the period they said it would be held (a few months), but that’s the only blockage.

1

Fei-wei ******

Fei-wei ******

OP

Deslea Selmes Thank you. Your reply concerns those who used the same THB 800k account for daily purposes (ie not massive withdrawals all at once reducing the balance to zero). My question (which was answered by two very gracious gentlemen) is very specific - any problems zeroing out the account to an overseas account via electronic means.

0

Jita****

Jita****

Fei-wei Chen simply not the case. After one year I switched to the monthly incoming foreign deposit method for maintaining the financial requirement to extend my stay. 4 years now no issues.

The 800k baht was wired back to a home bank and is now reinvested.

3

Alan **********

Alan **********

Fei-wei Chen Terrific. So now you have your answer. Time to lock the post/thread. 👍

2

Fei-wei ******

Fei-wei ******

OP

Thank you.

My question is quite specfic for which 2 people have been gracious enough to answer right to the point. It relates whether there were problems TTing the money out of Thailand all at one go.

0

Lisa ******

Lisa ******

Fei-wei Chen The 800k thb is your money, it is just for proof of income. You can even use it when it's in the bank account while you have the visa but you can't let ri drop below 400k at any point if you want to keep the visa. Since you're not wanting to keep the visa, it is yours to keep. It is not fee.

0

Fei-wei ******

Fei-wei ******

OP

Jitae929 Thank you for answering the THB 800,000 part..

0

Yo***

Yo***

Fei-wei Chen Most of farangs in Thailand are stupid and low educated. so they can not know what you meant. I think possible. Thai government can make it hard to take your money to outside. Yes it is totally and clearly yours. they just can make it hard. for example, bring your all tax return for 20 years like that, it is almost not possible to do this. several countries really do this. Stupid farangs do not understand this.

4

Jita****

Jita****

Young why are you imagining things like this will happen in Thailand?

0

Rick ****

Rick ****

Fei-wei Chen You are confusing 2 totally different things. A Privilege (formerly Elite) visa has no income or deposit requirements. You pay a one time fee.

As for transferring the money out of Thailand. There are no issues sending money out with a standard international wire transfer. What you hear people having problem with trying to send it out electronically with a wire service like Wise (to save some fees).

1

Fei-wei ******

Fei-wei ******

OP

Rick Ny I'm not confusing 2 different things.

My question remains:

Has anyone decided to give up or not renew the visa, and has subsequently successfully withdrawn all or almost all the funds?

0

Greg ***********

Greg ***********

Fei-wei Chen a 5-year Privilege Visa must be bought. You pay for it and then the money is gone. You get a 5-year stay permit for this money and that's what is to it

3

Jita****

Jita****

Fei-wei Chen sent mine back home through Dee Money. Your can also transfer out with a Swift type international wire

1

Fei-wei ******

Fei-wei ******

OP

Greg Alexander thank you. I'm not asking about the Privilege Visa, I'm asking about totally withdrawing the THB 800,000 using TT or other means from outside the country but not walking out of the bank with the cash, and if anyone has done it.

1

Brandon ************

Brandon ************

your bank account has nothing to do with immigration. You're making things up that don't exist. As long as you transferred the money into this account from overseas, you shouldn't have any issues transferring it back out.

6

Fei-wei ******

Fei-wei ******

OP

Jitae929 Thank you.

Which is why I asked for personal experience about closing out the THB 800k account.

0

Jita****

Jita****

Fei-wei Chen well the Privilege Visa fees are absolutely non recoverable and much higher. Of course they would say that about the non-o visa as it competes directly.

0

Fei-wei ******

Fei-wei ******

OP

Eric Alan The bank would of course say no problem etc. But when the instruction comes to liquidate the acoount, who knows, they could say the tax authorities want this and that etc. Would they put it in writing? Hence my question:

Has anyone decided to give up or not renew the visa, and has subsequently successfully withdrawn all or almost all the funds?

0

Eric ******

Eric ******

Fei-wei Chen You mean the people that are peomoting the selling points of the Privilege Visa at a very high cost are putting down a Visa that they make very little or nothing off of all? What was the question?? Are you wanting to withdraw your money? Why would you think it would be difficult? Have you even asked the bank yet? That might be a good place to start.

2

Fei-wei ******

Fei-wei ******

OP

@Brandon ***********

I'm not making up things that don't exist. One of the selling points of the Privilege Visa is that their fee is once for 5 years, but they imply that the THB 800,000 is difficult to recover when the Non Immigrant O visa holder no longer wants the visa.

0

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Can I apply for a Non-Imm O visa renewal and do my 90-day reporting on the same day?

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