What is the easiest visa option for a 52-year-old expat moving to Thailand?

May 28, 2024
6 months ago
Mark ********
ORIGINAL POSTER
Hello everyone. First time post here. Im 52, looking to make the move very soon. What Visa is the easiest for me to obtain? I'm able to show proof of steady income to meet requirements. Also, will that proof be taxed as well? It's just me btw. Any thoughts and help would be awesome. Appreciate y'all.
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TLDR : Answer Summary
A 52-year-old expat seeking to move to Thailand has several visa options available. The most commonly discussed options include the Non-O (for retirees), Non-OA (retirement visa requiring significant financial proof), and METV (Multiple Entry Tourist Visa). It is noted that to qualify for a Non-OA visa, one generally needs to show proof of at least ฿800,000 in a Thai bank account. Taxation on retirement income appears not to apply, provided the individual is from a country with a tax treaty with Thailand and pays taxes at home. A newly proposed Digital Nomad Visa (DTV), providing longer stay periods, is generating interest, though details are still speculative. The immigration process can be complex and seeking help from a local agent might simplify matters.
DTV VISA RESOURCES / SERVICES
Eric ******
The rules just changed! That DTV visa looks pretty enticing unless I'm missing something. 180 days + 180 days for up to 5 years! Allows you to travel around Thailand and perhaps not be locked into a 12 month lease? Hopefully it's that easy and anyone can qualify as a digital nomad. Fingers crossed.
Radost **************************
@Eric *****
180 + 180 days in a 5 years period of time not every year
Bob **********
Will see,I hope for all of you
Bob **********
@Eric *****
nothing has been made law yet everything is speculation wait until you read it in the Royal Gazette
Eric ******
@Bob *********
I read that it had passed through parliament and the King had signed off on it.
Chris ****
I’m willing to bet won’t be taxed.
Eric ******
@Chris ***
If they are from a country with a tax treaty with Thailand and paying taxes in their home country, no taxes due in Thailand, from what I've read.
Bob **********
You still working??
Jim ********
You won't be taxed on pension income, but will need to transfer 65k baht into a Thai bank account each month. However, this is yours to spend as soon as you get it. It's the best and simplest process by far
Eric ******
Yea, but at least after 2 years, I could be more sure if I want to permanently move to Thailand. I've pretty much given up on jumping through all the OA hoops. I'm anxious to see what the new visas entail when they go into effect on the 1st. That DTV sounds kind of interesting. I also like the 90 days total you can get with the exemption.
Bob **********
@Eric *****
there talking about lightning up on insurance so give it a couple months and see what happens
Bob **********
@Jim *******
unfortunately for your first visa an extension you’ll need 800k in a Thai bank in your name only showing it came from a foreign transfer ,2 months before you apply then 3 months after then it can drop to 400k
Jim ********
@Bob *********
The smart way to do it is via OA visa. Get the two years from that using proof of funds in your home country, and during that two year period start the 65k/month process. When you're ready to do the border bounce and come back on an exempt entry, go to immigration and apply for the non-O using the 65k transfers as proof of meeting the criteria. That's the only way to avoid the 800k crap
Eric ******
@Jim *******
Love that idea. But more difficult and confusing than getting the O in Thailand. Still worth pursuing though if I can figure out the places to get the "official" criminal history, the "official" medical certificate and if I need a Thailand insurance policy if I already have a better Blue Cross retirement plan with in network in Thailand.
Bob **********
@Eric *****
after paying for worthless insurance you’ll switch to the non-o although there talking about lightning up the insurance rules but after your two years you will need funds in Thailand good luck
Jim ********
@Eric *****
Criminal history you get from police, medical certificate from your doctor. Yes, I agree the insurance is a pain but you can get a high-deductible policy for around $1000. How much interest will you lose by putting 800k baht into a Thai bank account?
Eric ******
@Jim *******
The wording on the evisa site makes it more difficult than just going to the police and just a Dr. Read the requirements. I wish it was as easy as you said it was! I called the State Highway Patrol today because others had said they got one from the Illinois and Washington HP, but mine said I I had to call the FL Dept of Law Enforcement, and the number she gave me was disconnected.🤦🏻‍♂️ Not sure what you meant about the interest unless you were referring to the interest you would be losing by taking from my high yield account and put into a 0% Thai account, buy the answer is $91.67 per month. I'm about to just give up and get the O in Thailand or the METV. It wasn't the interest I was worried about losing, it was more that I'm not sure I will want to stay in Thailand for good, and with the OA, I could give it a try for a year or two and then transfer the money. What would happen if you get the retirement visa and transfer the money then leave after let's say 10 months and I go back home and pull the money back? Would I get red flagged or just have to repeat the process next time I want to come back, or would they even let me apply for the retirement Visa again?
Jim ********
@Eric *****
I never had a problem but I think things are easier in Australia. Australian Federal Police check was about $50, the health certificate from my doctor was free.
Eric ******
@Jim *******
So it isn't as specific as they make it sound on the site? I thinking an FBI check or State Police certified only, not my city or county, and it said something more official sounding than just my Dr. He would do that easily. That the prob, don't want to chance doing the easy thing and get denied and back to square 1. I envy all of you that have done it.
Bob **********
@Jim *******
you cannot use the 65k a month method for a new non-o visa it needs to be 800k
Jim ********
@Bob *********
Actually you can. If switching from OA to O with no break in the 65k monthly transfers you don't need the 800k lump sum
Bob **********
@Jim *******
well they wouldn’t accept mine and had monthly for years had to come up with the 800k in Jomtien all offices are different
Jim ********
@Bob *********
Aha! Jomtien are well known for making up their own rules! Bad luck! Bangkok no problem!
Bob **********
@Jim *******
yes I’m all good again
Jim ********
@Bob *********
Yeah I've been on legitimate (ie, not agency obtained) "retirement" visa for ten years. Never needed the 800k lump sum. You just got to know how to work the hack!
Ian ********
************************************************


Have a look on The Thai visa website.

You can create an account and apply for a Non O visa for the purpose of retirement, then once you have a 90 day visa, opening a bank account is much easier when you arrive.
Damo ******
You can get an METV ( multiple entry tourist visa) from your home country,gives you a max of 9 months in Thailand( but you'll have to hop over the border every 90 days ) You can check out the country,travel around,see if its for you without making the big commitment of a Non O. Just apply online. Hope this helps.
Eric ******
@Damo *****
is that the name on the evisa site? I would just as soon get that one, not have to worry about transferring money over and just spend a few months in the Philippines, Japan and other countries (or go back home for a bit) to finish out the year.
Damo ******
@Eric *****
On the Official Thai e visa site just click tourist visa then multiple entry. It costs around £150.
Eric ******
Good Luck. Going through the same thing now. A bit confusing, but lots of people on here to help. I'm getting the tourist visa to get to Thailand, then once there, going for the retirement visa. Trying it on my own at first, but kind of resigned to using an agent to grease the wheels with the bank account or if I run into any issues.
Brandon ************
@Eric *****
why don't you get the retirement visa before you go to Thailand which makes getting the bank account much easier?
Frances ********
@Brandon ***********
my hesitation with getting the retirement visa before going to Thailand is the mandatory health insurance requirement. I’d rather self insure.
Brandon ************
@Frances *******
most embassies don't have an insurance requirement for the 90 day non-O visa. And even those that do, is a trivial amount that can be covered by even a basic travel insurance policy.
Eric ******
@Brandon ***********
That too, med insurance. I have a very good retirement insurance plan. But I still need Thailand insurance? I found a policy with AXA, on 399 baht a year...but a minimum 100,000 baht deductible?? 🤷🏻‍♂️🤦🏻‍♂️

Do I need it if I already have a much better plan? This is why it's so confusing!
Eric ******
@Brandon ***********
I have the same question as Kevin below. Everything I've read and watched vids on say to get the Non O Visa first. I'd love to know an easier way. I'm searching for Thailand visa agents in the US now, hoping I can find one that can expedite it for me. I was hoping to find a bank that does business in the US and Thailand and open an account in the US and it would be in the Thailand branch upon arrival, but no so such luck.
Brandon ************
@Eric *****
why do you need a visa agent in the US? It takes 15 minutes to fill out the evisa application and they are generally issued in about 15 days. Why do you need anything expedited? It's all done online now, there's no expediting
Eric ******
@Brandon ***********
It does seem straightforward, and mostly doesnt seem that diificult, but I'm a little confused on the criminal history and medical exam wordings. If I can go to my State FHP office and get it, easy. But if I have to go to the FBI and get it, it could be 4 months. If I can go to my Dr and get the certificate, easy. If I have to go to the Ministry of something or some other federal agency, that's more difficult. I wish there specifics on what to do. I don't want to jump through all the hoops and still get it denied and have to start all over again, and lose the application fee. I like the idea of getting the OA visa in my country because you only need bank statements and letters. If you have any shortcuts or clearer info, I would really appreciate it!
Kevin **********
@Brandon ***********
Hi...How does one get the retirement visa before coming to Thailand? My countries immigration center?
Brandon ************
@Kevin *********
if the Thai embassy in your country has adopted evisa the link is here
****************************
Joseph ****
@Kevin *********
Through the official Thai consulate in your country. Beware of many shady agents using websites designed to look authoratarive (which Google sel-selfservingly returns as results before showing the official Thai government site.)
Eric ******
@Joseph ***
I still don't understand how you get the money in the Thai bank from the US when filling out the retirement visa application on the evisa site. I'm using that site now to do the Non O visa...am I missing something? I'd rather get one visa than a Non O AND a Retirement Visa. Someone else mentioned a 9 month Visa. That would work too. I could spend the rest of the year traveling g around Asia or coming back home.
Joseph ****
@Eric *****
See Brandon's answer below, though he was a bit gruff today in his reply.
Brandon ************
@Eric *****
you show money in your home country to apply for a visa. Why would they ask for money in a Thai bank account? That makes absolutely no sense. You get the visa from the embassy then you go to Thailand and open a bank account within 30 days of arriving and transfer your money. After it's been in the account for 2 full months you can apply for the 1 year extension at the immigration office.

If you go without the non-O it will basically be impossible to open a bank account without an agent because you won't be on a long term visa, you'll just be a tourist, and you need the 800,000 in the account to apply to convert to the 90 day non-O visa.

The non-O IS the retirement visa.
Joseph ****
@Brandon ***********
Your answers always are very informative, though maybe you had a bad day because you were a tad short with Eric Allen just because he's a newbie and doesn't know the ropes. The vast majority of these threads usually talk about the 800k sitting in Thai bank accounts and it's easy for a newbie to not realize that discussion is for those already in Thailand trying to convert their status.
Eric ******
@Joseph ***
I didn't take it personally, just appreciate the responses. It's definitely not as easy as it may seem in a website listing. WHERE do you get the "official" criminal history? Exactly WHERE do you have to get the medical certificate. If there specific departments or agencies on the evisa site, that would make it much easier. One thing wrong, and you're application is denied. 🤷🏻‍♂️
Brandon ************
@Eric *****
you're looking at the non-OA. That one has very high requirements. You should look at the 90 day non-O visa. This is the same one that you can get in Thailand and the only real requirement is the proof of funds. No criminal history, no medical check, no 3 million insurance. It's called pensioner visa in the evisa system.
Eric ******
@Brandon ***********
yes, that was the one I was going to get, but the other had the advantage of justbahiwing the money in a US account and u get a possible 2 years out of it. The non O does seem much easier and will probably be the one I go for, unless opting for the 90 days METV. 90 days and a run to Manila, the back to Thailand for 90 and a run to Japan...so next issue is hopefully finding some short term condo rentals, as most owners seem to prefer a year lease. Any thoughts on that? Thanks for the replies.
Brandon ************
@Eric *****
that one is difficult. If you're going soon, it's going to be low season so you might have better luck. Airbnb is always an option, there are Facebook groups for rentals, serviced apartments
Eric ******
@Brandon ***********
I think I'll look into the FB groups too. I've seen some nice Air BBs online but lots of people warn against then also, saying the pics aren't exactly what you'll get. May try one for a few days, and if it's legit, book it for a month a 2. When is low season? And could you recommend a good Thai medical insurance company. Thanks.
Brandon ************
@Eric *****
low season is when it's hot in Thailand and warm in other countries. High season is when it's warm in Thailand and snowing everywhere else
Eric ******
@Brandon ***********
Ah. I went last Sept/ Oct and it rained darn near everyday. I guess that was low season. I actually liked it. Have you seen the just announced changes in the visas? Looks promising, especially the DTV. Gotta find out what constitutes a 'digital nomad', but that might more beneficial than a Non O...no 12 month lease required, you're ok to travel around Thailand. Looking forward to seeing more details.
Brandon ************
@Eric *****
there's been dozens of times in the past where headlines like this have been made and then the reality is very different or is different altogether. Don't make any plans based on headlines.
Eric ******
@Brandon ***********
yep, seems like it's already getting sketchy. Gonna just go with the O. Maybe look into the DTV depending on what they consider a 'digital nomad' and 'freelancer'. Hopefully it's pretty broad.

And for clarification...if I'm on an exemption and I fly in and out instead of doing a land border run, is there still a limit on reentries in a year or if you fly it's not limited. Saw that in another forum so wondering if you can confirm that.
Pip *****
@Eric *****
I've read that Visa Exemption can be used 2 times per calendar year. This is stated in the Royal Thai Embassy in Canberra.
Eric ******
@Pip ****
is that flying in or land? Or both? Lots of people saying no limit to fly ins.
Brandon ************
@Eric *****
How you exit doesn't matter ever. There is no limit on entries by air using visa exempt, but it's up to the discretion of the immigration officer on how many times they will let you do that.
Eric ******
@Brandon ***********
OK. Thank you. I think I'd prefer to fly to other countries in Asia to visit for a few weeks at a time rather than doing doing Border runs anyway.
Kevin **********
@Joseph ***
Thank you...
Mark ********
ORIGINAL POSTER
@Eric *****
nice. Yeah, ill definitely try and obtain an agent. From research, it's my understanding the retiree has to show proof of either funds in the account or steady income of $$$$? Does that still stand ? Thoughts?
Brandon ************
@Mark *******
proof of income is only possible if your embassy offers income certification. Many have stopped offering this though.
Eric ******
@Brandon ***********
I have read that most stopped doing that too, as well as no longer allowing walk in appointments. I wonder if there are any that still do it. I'm in Florida and the Miami location is closed. I'm not sure what jurisdiction I'm in either, and it says you can be denied if you apply at the wrong location. 🤷🏻‍♂️🤦🏻‍♂️
Chuck *********
@Eric *****
Washington DC Thai Embassy. Did my 60 day visa thru them.
Brandon ************
@Eric *****
I'm not sure what office you are asking about. You can only use proof of income if the US embassy in Thailand offered income verification. That is your embassy. But the US embassy has not offered this for many years.

You cannot go to a Thai embassy in the US. There are only 4 left as all the honorary consulates were shut down during covid. Washington DC covers Florida. But they no longer allow foreigners on the property as all visa matters are handled through the evisa system. Anything else is handled by email. Only Thai citizens are allowed on the property of the remaining 4 Thai embassies/consulates.
Phil ******
Non o or non oa visa based on retirement but you will need ฿800k in the bank. The alternative is a Non O where they provide ฿800k and open a bank account for you. Recommend Bangkok bank.
Peter *********
Non o visa retirement and know one nows yet if it will be taxed
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