ask
Search
Ask
Answered6 months ago

What is the best visa option for retired Australians wanting to stay in Thailand for extended periods while minimizing taxes?

Lea ***********
asked May 1, 2026
7.2k
views
49
replies
10
likes
Advice sort (feel free to keep stupid comments to yourself 🙏):

We are retired married Australians (55 and 65 years old, one has investment income stream the other from his Superannuation - no money issues). We have been holidaying in Thailand for 1-3 months annually for 15 years (no issues). We have done some volunteer English teaching (yes only on tourist visa). We are wanting to stay for around 6 months in 2027 and probably the whole year of 2028. Then return to 3-4 months a year. Not seeking citizenship but wanting to minimise Australian tax (it’s out of control under current government). Keen to do volunteer work legally but if a huge hassle or expensive will sadly give it away. We speak Thai (courses at Patong Language School) but can’t read or write.

Would a 5yr privilege visa be best?
Answer summary
A retired couple from Australia seeks advice on the best visa options for extended stays in Thailand, specifically for 6 months in 2027 and possibly a full year in 2028. They are interested in legal volunteer work and minimizing Australian tax. Commenters suggest various options, including the LTR (Long-Term Residence) visa, NON-O retirement visa, and maintaining a Thai bank account to manage finances while avoiding double taxation.
49 repliesnewest first
20

Click comment and we will ask for your email, then OTP, then name.

Norma ********
Norma ********
🧐
Kim **********
Kim **********
Honestly, the LTR is the best one if you have a good income stream. You need US$80,000 passive income if you have that, that person can sponsor the other. You just need insurance in Thailand, but you can get very cheap insurance if you don’t care about it covering anything. It’s actually pretty straightforward and easy if you qualify. You only have to check in once a year if you don’t leave the country for a whole year., You’re tax exempt in Thailand, it includes reentry, which the retirement visa does not. And you don’t have to do anything for five years at which point you just prove you still qualify and you get another five.
Lea ***********
Lea ***********
OP
Kim Pfefferi thanks Kim, it’s good to have these thoughts in summary. Do you know, do they link your Thai no tax income with the ATO income somehow? I’m thinking it could work with our US money only going through Thailand?
Rocky **********
Rocky **********
Look for a DTV visa allow you to work, can stay 180day's 2x , its a 5yeaer visa
Graeme ******
Graeme ******
You could apply for a non o-a visa as this doesn't require you to have a thai bank account, just need health certicate, police checks and health insurance. This visa gives you 12 months unlimited access to thailand and if timed correctly can give you nearly 2 years (second year you would buy a multi entry pass that is not required for the first year).
Lea ***********
Lea ***********
OP
Graeme Mort thanks so much, I’m thinking I need a Thai bank account if I can direct non Australian earned income there and pay less tax than in Australia (but at some point it will build up and I will need to bring some/most into Aus so unless I can show I’ve paid it in Thailand they will slog me again). I think I need tax advice too.
Ruud **********
Ruud **********
Graeme ******
Graeme ******
@Ruud *********
yes I know its the IO that is requiring the information
Ruud **********
Ruud **********
@Graeme *****
good and i complete with my experience
Graeme ******
Graeme ******
@Ruud *********
I meant the person who needs the information on the visa is not me but the person asking the question, I already know what is required
Ruud **********
Ruud **********
@Graeme *****
embassy deliver the visa... 80 euro and IO must give the stamp when you arrived.
Jim *********
Jim *********
I do and have done something similar. I've had a house here in Rawai for 20 years now and I have a house in Santa Cruz California. I currently have a non-immigrant O based on retirement with permission to stay extended for one year. If you live in Thailand now more than 180 days a year, you are supposed to file taxes here. The law changed about two years ago. So take that into consideration. Thailand has a tax treaty with most countries so you should not have to pay much if anything I would think but I haven't stay 180 days since the law changed. My Thai wife has US residency and if she is out of the US more than 179 days, she has to be interviewed as to why for admission. Nothing is easy about living in two countries now, but I manage to take care of all the paperwork to do what we do. Good luck with your plan. Mine works for us. Cheers!
Lea ***********
Lea ***********
OP
Jim McGowan thanks Jim, so you have a Thai bank account that US funds go into but as you stay less than 180 days you don’t have to pay tax in Thailand (because you have already paid it in the US?).
Jim *********
Jim *********
Lea Australia I've had two Thai bank accounts for 20 years now. Currently I have to leave at least ฿800,000 in my account for 5 months, It's been there over two now. I just got my one year extension of permission to stay in the Kingdom a week ago. I got a re-entry permit as well. We are going back to our house in California on June 16. I arrived January 3. So I was here less than 180 days so I don't have to file income taxes in Thailand. Only if you stay in Thailand 180 or more days in a calendar year do you have to file income taxes here. One of the first things I have to do when I get to California is file my federal and state income taxes. I had my tax accountant apply for an extension as they are due April 15.
John **********
John **********
If you want to do volunteer work you would need a volunteer visa with documentation from wherever it is you want to volunteer for. I'd ignore that as a visa option. I don't understand why you would look at a Thai privilege visa which would cost 2 x 650k baht sunk cost yet have a problem with putting 800k baht each, which remains yours, in a Thai bank. If you seriously don't want to put money in a Thai bank then take a look at the Non-OA visa which is a 12 month visa you apply for in your home country using funds in your home country. It does require insurance, police checks etc but you can get almost 2 years out of it as long as you have insurance by bouncing out and back just before the validity expires. You may also be able to just get the visa for one of you and the other get a Non-O dependant visa with no additional funds although that would be a 90 day visa so would need extended in Thailand
Lea ***********
Lea ***********
OP
@John *********
thanks John, I think I do want a Thai bank account if I can direct US funds into it and pay less tax than in Aus. Eventually when I need to bring it into Australia I’m hoping it’s tax exempt as paid for on TH. However, I’ve heard it’s ’near impossible’ to get funds back out (ie overseas) of a Thai bank account? Any thoughts?
John **********
John **********
@Lea **********
if you can show that the funds entered Thailand from abroad you shouldn't have any problems getting the funds back out again, just keep proof of transferring them in. But you'll need to be careful around the Thai tax system and how the dual tax agreement between the US and Thailand affects the funds you bring in. And how the dual tax agreement between Australia and Thailand affects the funds you send to Australia. Seems to me you'd be wise to take some professional advice.
Norma ********
Norma ********
Todd Capron yes retirement visa is the easiest You both are great to be able to speak Thai👍🏻
Lea ***********
Lea ***********
OP
Norma Murray thanks Norma, it’s very slow at first but even 15 minutes a day on an app like Mondly is fun and cheap, about $120 a year! It even has a monthly competition for all Australians learning Thai shown on a point ‘Leaderboard’ to help with motivation. Remember once you learn a few phrases like ‘I would like a …’ (Chan yak daai …) you just need the word for coffee, banana etc. I highly recommend it.
Norma ********
Norma ********
Lea Australia thanks Lea,

Yes I am planning to learn well to be able to speak a little anyway,I stay here every year for 7 months, love it here, so peacefull and Thij people are so lovely
Lea ***********
Lea ***********
OP
Norma Murray honestly Thais LOVE it when a farang has invested time to learn to speak their language (beyond hello/how are you/thank you). I think it shows respect and I love how often they tell me the way I sound is very ‘cute’ 🤣🙏♥️👍
Michael ********
Michael ********
Get OA or OX visa from Australia but neither allows you to volunteer officially.

Look on website for more details a few pros and cons. Need insurance, silly medical but no need to have Thai Bank account. Just leave your money in Oz and withdraw what you need to live on
Lea ***********
Lea ***********
OP
Michael Dawson thanks for the advice but I’d pay a lot of tax in Aus to then use in TH?
Andrew ******
Andrew ******
Be aware that staying the whole year in 2028 or even 180 days in 2027 that you need to do tax return in Thailand and use Australia Tax as Foreign Tax Credits so you don’t pay tax twice. The one on super income stream may need to pay tax unless you only remit existing savings into Thailand and not the super pension payments.
Kim **********
Kim **********
Andrew Hall unless you do ltr. Then tax exempt
Lea ***********
Lea ***********
OP
Andrew Hall thanks Andrew very helpful!
Todd ********
Todd ********
Forget thai citizenship….wouldnt happen anyhow. Get retirement visas for both of you. Plenty Old enough . 🤨
Greg *******
Greg *******
Suggest non o retirement but this eliminates any work including any voluntary work. It’s getting much harder with the current government to become non tax citizens! Not sure if the law passed that makes you wait 4 years even if you have left permanently!
Alison *****************
Alison *****************
Make life easy get a 6 month tourist visa or a METV
Jim *********
Jim *********
Alison Cherry Standen Tourist visas are 60 days, with an extension 90. A METV would work if they left and re-entered and got another extension. But Thai immigration is frowning on people trying to live in Thailand on tourist visas now.
Alison *****************
Alison *****************
Jim McGowan no you are thinking of the visa exemption that’s 60 days METV is 6 months with leaving and returning every 60 days
Graham ******
Graham ******
Alison Cherry Standen people are being denied back to back entries on a METV to use it to live in Thailand for an extended period
Lea ***********
Lea ***********
OP
Alison Cherry Standen thanks Alison, I was thinking that doing that in the middle of the year stay with a little holiday to say Malaysia could be the go as we love the southern Thailand islands like Koh Lipe!
Dave *******
Dave *******
Have you considered a LTR visa? It provides an option ,depending on which option, to get a work permit
Lea ***********
Lea ***********
OP
Dave Allen thanks Dave I’ll look into that 🙏👍
BC ********
BC ********
Lea Australia I 100% support looking into LTR :

Another benefit of this visa is that you are exempt from taxes when you remit foreign income into Thailand.
Dave *******
Dave *******
Lea Australia
**********************
Dave *******
Dave *******
Lea Australia any questions ,please free to ask . I hold a LTR visa and processed the application myself, albeit a lot of documents but fairly user friendly process
Mariano *********
Mariano *********
Would be easiest for sure but you're in age to get a retirement visa too. One Elite visa is not extendable to the other,unfortunately, even if married. You need two Elite
Lea ***********
Lea ***********
OP
Mariano Cesario thanks for your reply. I think the thing that gets me with the Retirement Visa is the $30,000 each in a Thai bank account but I guess we would use it over the years.
เดแคลน ***********
เดแคลน ***********
Lea Australia after 1 year of retirement so long as you transfer in 65k per month (x2) you can change from the 800k to the deposit method.
Lea ***********
Lea ***********
OP
PS I guess I could direct some of my non-Australian income into the Thai bank account to minimise tax. Thanks! 🙏
Peter ********
Peter ********
You could also both get a non o retirement visa.
Dianne *****
Dianne *****
Peter Slaman to get a non O in Thailand they would have to deposit 800K baht in a Thai bank account each for at least a year while transfering 65K baht a month each into their Thai bank account until they qualify for the 65K a month. They may not want to do this, or may not be able to liquidate this much money from the income stream or want draw this amount out of superannuation for what may only be 6 months of the year in Thailand. They could come over on a a non immigrant O A visa applied for and approved in Australa, but would need Thai approved health insurance for the entire length of the visa, which is an added cost kind of wasted if you aren't in Thaland more than 6 months each year
Jim *********
Jim *********
Peter Slaman that's what I've been doing for twenty years now. It used to be a lot easier!

Activity

20 joined
Lea ***********
Lea ***********
Lea ***********
Lea ***********
Lea ***********
Lea ***********
20
people
Thai Visa Advice and Everything Else
Thai Visa Advice and Everything Else
...members60% approval
Member 1
Member 2
Member 3
Member 4
Member 5
Member 6
Member 7
Member 8

Related

25
What are the requirements for obtaining a Thailand visa for Tunisian honeymooners?
3.3k1064mo
What are some reliable companies for DTV applications in Thailand?
35685mo
What is the best visa option for an Australian retiree looking to stay in Thailand for 3-6 months?
11.3k272885mo
Can I open a bank account in Thailand with a 90-day Non-O retirement visa and leave before the 90 days expire without applying for an extension?
11.5k731888mo
What is the best visa option for someone over 50 wanting to spend 6-7 months in Thailand?
8.4k73868mo
What are my options to avoid yearly immigration visits on a retirement visa in Thailand?
5.3k43561y
What are the best options to convert a tourist visa in Thailand?
4.3k38351y
Do both spouses need separate bank accounts for the 800K deposit for a non O retirement visa in Thailand?
1.2k961y
What is the process for applying for a retirement visa in Thailand from Australia?
1.9k12192y
What are some recommended agents for obtaining a retirement visa in Pattaya and Jomtien who offer competitive pricing?
14.4k1201452y
Can I stay outside Thailand for up to 6 months on a Non-O retirement visa without affecting my renewal?
4.2k27542y
What are the requirements for obtaining a permanent visa in Thailand after purchasing an apartment?
26.1k2372442y
What are the best long-term visa options for a retiree moving to Thailand?
2k1873y
What visa options should I consider for retiring and living in Thailand with my family?
1.5k1263y
What are the requirements and next steps for applying for a 1-year extension of stay based on retirement in Thailand?
1.1k4135y
What is the 90-day visa in Thailand and what are the application options?
4.8k31645y
Should I choose a 5-year or a 20-year Thailand Elite visa when planning to stay long term?
25.2k2491916y
Do both husband and wife need individual $25,000 in a Thai bank for a retirement visa?
1.2k1057y
Is there a seasoning time for the 500,000฿ bank deposit when applying for a year extension using the Dutch combination method for retirement in Thailand?
32018y
What are the current requirements and challenges for renewing a NON-O-A visa in Thailand as an expat couple?
954568y
Do I need to submit a 90-day report after receiving a new yearly visa in Thailand?
562218y
Am I allowed to have conversational talks at a local school in Thailand without a work permit if I have a retirement extension and am married to a Thai national?
5.7k36878y
What are my visa options in Thailand for the next 6 years before I can get a retirement visa?
1.3k8129y
What is the process and requirements for obtaining a retirement visa in Thailand?
6.5k38949y
What should I know about retiring in Thailand and related visa questions?
49059y

Resources

Need help with your LTR visa?