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What is the best way to deposit 800,000 baht into a Thai bank account for visa purposes?

Thai Visa RulesBank Account Opening in ThailandForeign Currency Transfer800,000 Baht Deposit RequirementInternational Money Transfer OptionsWiseSWIFT TransfersThai Immigration RulesNon-O VisaRetirement Visa
Jun 14, 2025
3 days ago
Paul ********
ORIGINAL POSTER
Hi all, sorry this has probably been talked about a hundred times but I am still struggling trying to get my head around this depositing money into a Thai bank account, so you are one of the lucky ones that gets a bank account within the first few days of arrival, you have to deposit 800000 baht and have it in your account for 2 months before you apply for your year extension, can you bring that amount into the country, plus spending money, or would it be best to use something like wise and transfer the money but what happens if it takes to long to get all the money transferred over so you have all the money in for the 2 mouth dead line remembering you only have a mouth to sort it, sorry again if this angers some people asking this but it is a concern to me and probably a lot of people in the same situation, and please no comments about how easy it was for you when it was years ago and everything was easier, lol
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TLDR : Answer Summary
The conversation covers the process of transferring 800,000 baht into a Thai bank account for the purpose of obtaining a long-term visa, such as the Non-O or retirement visa. It discusses various options like bringing cash, using Wise for online transfers, and SWIFT bank transfers from abroad. Many users share their experiences with different banks' transfer limits and provide insights into what is required for the money to count as coming from overseas. It highlights the importance of having the funds in your account for at least two months and also addresses the challenges some have faced in opening accounts, including differing bank 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.
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Paul ********
ORIGINAL POSTER
Thanks for all the advice, my partner is Thai and has had a bank account over there for years , could it be possible to transfer the money into her account and then when I get there take the money out of hers and put it in mine,
2 days ago
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Steve ********
@Paul *******
 No. It needs to be shown coming to your account from overseas. If you transfer it to your partner, then they transfer it to you, that is an internal transfer, so does not fit the requirements.
2 days ago
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Steve ********
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Keith *******
My information is that it's 3 months prior to the application.
2 days ago
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Neil ********
If your intention is to place the required monies into your Thai account and then remove it again then just find the best rates for conversion. Then wise is one of the good ones.

I agree money in Thai banks is dead money but dependant on your risk profile you can also invest from that account
2 days ago
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Bent *************
Money must be transferred from abroad
2 days ago
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Mark *********
I just did it in September. Sounds like you want to avoid unproductive use of the money when that is the whole purpose of this system is showing the Thai government you have enough resources to not miss 800k baht for a year. There are rules that allow you to pull the money out for a few months and then put it back, of course if you are one day off they will cancel your retirement visa. The choice is yours. Call a bunch of highly rated visa agents in the city you will be returning to to for 90 day stay and annual renewals and see who has the connections to get the bank account open. I did the rest of the paperwork myself. Good luck!
2 days ago
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Peter ********
HSBC does not have retail accounts in Thailand. So no.
2 days ago
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Ian ********
@Peter *******
 Thanks for your quick response 🙏
2 days ago
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Ian ********
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Ian ********
Interesting post for me (thanks) which has raised 2 questions - if I open a HSBC account in Thailand does this meet the criteria for the retirement visa (I am already a customer in Qatar) plus for my and my wife I will have to transfer 2 x 800,000 (160,000) is that correct
2 days ago
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Ralph *******
Wise can do it at minimal cost. Or you can do bank to bank using swift, but it costs more.
2 days ago
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Marty *********
A direct wire transfer from my US bank to my Thai bank takes 1-2 business days. I can transfer any amount. I transferred the entire amount to buy my car. At the time I was using Kasikorn bank.
2 days ago
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Anna *********
You will be able to open a bank account without issue if you get a non - O visa before you leave your country. Once you arrive in Thailand open your bank account and transfer the money ( I did it bank to bank using Swift codes) Make sure you label the funds ‘long stay’ or equivalent on the transfer

Good luck
2 days ago
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Doug ********
@Anna ********
I did this last week . Arrived from Laos with the non o 90 day. Was not east to find a bank that would open the account. I had every thing needed. Bangkok bank...k bank and SCB all refused. Krungsri let me and done in 30 minutes. All main branches in Udon thani....so is possible but not as easy as I thought it would be.
2 days ago
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Anna *********
@Doug *******
 wow that surprises me but glad you got it sorted eventually
2 days ago
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Doug ********
Anna Brodleyyeah I was surprised as well. Not sure why do difficult. I even had a letter from immigration confirm they have proof of residence TM30 ..thai girlfriend translated but didn't really need to as it was pretty much a no not interested as soon as seen ????.....Bangkok bank were adamant the 90 day non o was a tourist visa and said that is why they won't do it...
2 days ago
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Anna *********
@Doug *******
 so do find that sometime banks just say that sort of thing to get rid of you but it’s hard to argue with them even when we all know non o is nota tourist visa 😀
2 days ago
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Anna *********
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Steven ******
Carrying that much dough will get you a hospital stay.
3 days ago
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Jack ********
Luck has nothing to do with it
3 days ago
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John *******
Bring a bank draft with you And lodge it in bkk when you get there snd have an adress.
3 days ago
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Jason ******
Roll on XRP no fees and done in 2 seconds lol
3 days ago
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John *********
Code for banking
3 days ago
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David *********
@John ********
SWIFT stands for the “Society for Worldwide Interbank Financial Telecommunication”
2 days ago
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David *********
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Chris ******
Wise:

-has very bad exchange rate and commission

-almost all Thai bank don’t welcome wise (because they can’t get the benefit/FX spread from exchange foreign currencies to tbh)

-Thai gov don’t welcome wise, as they need to proof the money is BRING from outside , not arriving in thb after wise exchanged

If you have usd account in Thai bank. Swift usd to it
3 days ago
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Steve ********
@Chris *****
 You’re posting rubbish. What you have written is totally incorrect.
2 days ago
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Chris ******
@Steve *******
 what misleading? Is there any exchange rate better than FX broker ?

Using wise, cannot issued FET for investment …
2 days ago
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Chris ******
@Steve *******
 what make you think like that ? I am keep learning
2 days ago
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Steve ********
@Chris *****
 I don’t mean to be rude, but if you are learning, then learn before you post, because incorrect information can be misleading.
2 days ago
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Steve ********
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Julian *******
@Chris *****
 absolute crap. You spout nothing but nonsense
2 days ago
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Chris ******
@Julian ******
 I don’t mind that … many people don’t have idea of investment.. read the thread

Have you tried using MT4, (the most common FX tools) on ICMarkets to compare your rate ?

I used IBKR last Oct exchanging 10M tbh , only pay 2.5 usd aka internet rate
2 days ago
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Chris ******
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Chris ******
Wise and bank need business so , be honest if you shift that mind/bias…, try find a stock/FX broken to exchange money, as they focus on the commission of FX trading, usually 2 usd regardless you change million of foreign currencies 😉
2 days ago
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Giraffe *********
@Chris *****
 Where do you get that info
2 days ago
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Chris ******
@Giraffe ********
 it is in bot.or.th for currency exchange and the FET requirement for transferring money to invest in property and business
2 days ago
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Chris ******
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Ralph *******
@Chris *****
 Wise has a very good exchange rate and low fees on exchange.

I pay into Thai bank accounts regularly using wise. ฿44.70 fee.
2 days ago
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Paul ***********
@Chris *****
 your not factoring the really bad exchange rate your home banks only allow gives you in international transfers. They also will charge you a usually large fee for doing that transfer transaction. Then the Thai bank will charge another handling fee.

I advise everyone to do their own research before taking the advice of others on this platform, including mine.
2 days ago
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Todd *********
@Chris *****
 have you been day drinking?
2 days ago
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Russell ***********
@Chris *****
 what planet have you been living on ?
2 days ago
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Rok ********
@Chris *****
 what a load of tosh…. Wise does not have bad reputation and wise will always give you better rate and lower fees than a local bank. Transfers are instant to some countries and within pre-agreed time to others. Never had problems with Wise.
3 days ago
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Chris ******
@Rok *******
 have you try using stock or FX broker to exchange currencies ? Mean you got the internet rate eg ex.com (I recommend you to check that rate
2 days ago
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Chris ******
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Dildil *******
I get a privilege visa and they told me better tu use wise
3 days ago
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Dildil *******
@Chris *****
 Absolutly wrong. If I transfert 1000 chf from my swiss account using swift i get
*****
thb. With wise i will get
*****
thb
3 days ago
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Chris ******
@Dildil ******
 have you try using stock or FX broker to exchange currencies ? Mean you got the internet rate eg ex.com (I recommend you to check that at the same time for the rate )
2 days ago
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Chris ******
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Richard ********
@Chris *****
 Wise does not have a "very bad" rate. It is generally considered to be one of the best.

"Almost all banks" and "the Thai government" don't like Wise???

You are just making up drivel.
3 days ago
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Chris ******
@Richard *******
 I have put my comment on other sub thread , regards
2 days ago
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Chris ******
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Dennis *********
@Chris *****
 may be a stupid question but can you explain Swift ?? I’ll need to do this in October.
3 days ago
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Bill *******
@Dennis ********
 swift is the international interbank codes used to transfer bank to bank. Also called a BIC bank identification Code. It allows you to send from one bank to another. With out using a non bank provider. Wise, Remitly, Western Union are not banks.

Swift is the system a bank will use to transfer international funds. When the money arrives its seen as being international. Money transfer companies look like a local deposit.

Receiving banks will charge a fee on a international transfer. Siam bank is 600 baht.

The advantage of swift is It's bank to bank. There fore governed by local and international law. It does give local tax authority a lot of visibility about the source. Money transfer companies tend to obscure that.

Most banks will have there SWIFT or BIC info on line. Works everywhere except Russia as they where kicked out when invading Ukraine
2 days ago
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Sally *******
@Bill ******
 Wise use a BIC code. There is transparency it shows its from UK for example even when tf baht. When I use wise to pay Euri bills in Spain, I still get charged the Brexit tax. So they obviously can see it's coming from the uk.
2 days ago
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Dennis *********
@Bill ******
 nice — thanks for the information!!

Perhaps you know whether or not you can set up automatic transfers using this?
2 days ago
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Dennis *********
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Nick ************
Do you have a Thai Bank account. If so which one as transfer limits apply as previous comment and its max of
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baht to all other banks using Wise. 16+ transfers in a few days might raise questions. Have you applied for the 90 day non O in your home country? If so you have more time to get things sorted.
3 days ago
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Wannikea *********
@Nick ***********
 the Wise 50,000 baht limit has been raised to 500,000 for qualifying banks, the big 3 remain at 2 million and 1.49 million Kasikorn, Bangkok Bank, SCB respectively.
2 days ago
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Nick ************
@Wannikea ********
 when did that happen? I had not heard about it before.
2 days ago
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Wannikea *********
@Nick ***********
 Few or a month ago
2 days ago
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Greg ***********
@Wannikea ********
 I reckon when the WISE webpage got updated, the web-designer added one "zero" too much, making 500,000 out of the 50,000. I asked a few people and they confirmed the 50,000 limit is still up and standing
2 days ago
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Wannikea *********
@Greg **********
 I reckon those few people aren't up to date as of May 6th
2 days ago
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Nick ************
@Wannikea ********
 I'm in the uk so I missed that one!
2 days ago
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Nick ************
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Graham ******
@Nick ***********
 The limit of 50,000 Baht in international transfers is ONLY for people who use WISE to transfer the money and ONLY for people using a bank OTHER THAN Bangkok Bank, Siam Commercial Bank or Kasikorn Bank.
2 days ago
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Nick ************
@Graham *****
 that is what I said.
2 days ago
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Nick ************
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Stephen ********
I did a bank transfer from U.K. 800,000 x 2 for two people . 24 hours max
3 days ago
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Jesper *******
Using Wise I transfered 800k in 3 transactions in 2days the daily limit for wise to bkk bank and kbank is 2mil baht per day SCB is 1.49mil baht so you will have more than enough time to season your 800k
3 days ago
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Peter **********
@Jesper ******
 why split it up into 3 when limit is so much higher ??
3 days ago
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Jesper *******
@Peter *********
 1st transaction was to test out wise with small amount after which I did 2 other transfer as my local bank have out going limit which I do not want to increase for safety reason
3 days ago
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Dava ***********
@Jesper ******
 I did that too!
a day ago
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Dava ***********
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Dildil *******
@Jesper ******
 Not complety true. The limit is per transfer not per day. You can do many transfer per day. Read the transfer limit on the wise web page .
3 days ago
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Paul ***********
@Dildil ******
 some home banks only allow a limited amount to be transferred per day
2 days ago
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Dildil *******
@Paul **********
 I was talking about Wise not hone bank. But your right can depend of your home bank.
2 days ago
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Dildil *******
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Jim ********
3 days ago
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Jim ********
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