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What is the process for obtaining a Non-OA retirement visa for Thailand and funding requirements?

Oct 21, 2025
3 days ago
Jerome ***********
ORIGINAL POSTER
I have a few questions for you veterans in Thailand. I'm planning on moving there in the spring of 26 on a non OA retirement visa. I'm 60. Can anyone of you please tell me the process to do that. I will surely appreciate it. Also, how do one fund the Thai bank of the $20,000 USD? can I use my American bank to make a transfer into a Thai bank for the deposit of the visa requirements? can I apply for the non OA visa before coming there? I'm sorry for all the questions. I'm on a shortbus. I want to get everything situated before making that leap. thx in advance.
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TLDR : Answer Summary
The process for obtaining a Non-O retirement visa in Thailand involves applying online at the Thai embassy in your home country, ideally before your move. You need to be over 50 with sufficient income (~65,000 baht/month) or a lump sum (~800,000 baht) to deposit in a Thai bank for your visa. After moving, you should open a local bank account and maintain the required funds for at least two months for your annual extension. You can transfer funds from your American bank account to your Thai account, ensuring your US bank supports international wire transfers. It's also recommended to get familiar with various options for banking and remittance to minimize transaction fees.
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.
J **************
First thing go to Thai embassy website in your home country for accurate information
Steve ********
You can come over on a tourist visa and get it all done here. Easy
Greg ***********
@Steve *******
not an option anymore except if you already have a Thai bank account. If not, you must have missed the news of the recent months. You can't get a Thai bank account opened anymore on a touristic entry. A Thai bank account with 800,000 THB sitting in it however is the pre-requisite to do the "change of visa type" to a Non-Imm-O visa inside Thailand
Keith ************
@Steve *******
it's much better to have a non-o than coming on a tourist visa, as it's practically impossible to open a bank account here on a tourist visa.
Bill *********
It's an ideal time to get the services of a Visa agent who will lay out the whole framework for you and set a course of action. It's the way to make the process stress free and time efficient, speaking from personal experience.
Dennis *********
I just moved here from the US 11 days ago. I applied for the Non-O Retirement Visa through the Thai Embassy in Washington DC and had my approval in about 10 days. While I had the equivalent of 800,000 baht in my account and documents I sent to the Thai Embassy they still requested proof of retirement income from me. The day they sent their request I provided it to them via upload and I had my approval visa the next day.

Once you get to Thailand you will need to get a Thai Cell Phone Number and a Thai Bank Account. The Cell Phone Number is easy and all I needed was my Passport. However, the Bank Account is a bit more difficult and I've gone to immigration in Bangkok to get a Certificate of Residence 1 week ago today and I'm still waiting for them to mail it to me. Once I have this will go back to the bank and open the account.

Funding the account and transferring money depends on your circumstances. Swift transactions may be better for you or not. I looked into this and the fees through NFCU were higher for me than using Remitly, I would suggest you check various options -- Right now you are looking at about $25,000 U.S. to make the equivalent of 800,000 Baht.

If you don't know where in Thailand you wish to live I would recommend looking at renting Airbnb for 2-3 months in various locations to see where you enjoy, but if you start here I would make sure you complete your first 12 month extension of your retirement visa before going somewhere else. Personally I chose Bangkok for the time being because of everything it offers and the ease of travel from here to everywhere else. Good Luck!
Chris *******
Sir you have joined a Visa Advice Forum.

Your choice of visa, based on your idea is not the best path for you, based on your requirements.

The advice given is correct and the best path for most applicants.

The required insurance becomes problematic, especially as we age.

The non-o allows the use of any suitable insurance, tailored to your needs.

If your intention is to stay then the OA multientry 1yr visa, will work but is NOT your best path.

You will still need the money in Thailand in both cases for ectension and 90 day reporting is just a fact of life.

However choose your own path.
Mark ********
If you go to Los Angeles you can get your OA visa there at the Thai consulate. They do a background check and you’ll need a letter from the sheriff or police showing that you don’t have a criminal record. You can get any medical insurance anywhere, as long as it covers you in Thailand. If you leave Thailand and then come back in before the first year, on your OA visa is finished you’ll get another year on the same visa without having to go to immigration. And when you arrive in Thailand you will be able to open a bank account easily because you’ll already have the retirement visa. You might still need to do ninety day reporting, to let them know you’re still alive and kicking.

Stay clear of Bangkok bank, lots of problems in the last year. If you use Wise to transfer money get a Kasikorn bank account, Wise uses them for clearing the overseas funds coming into Thailand. Or you can use your American bank to do an international transfer. It’s a bit more costly than Wise. The least expensive way to send is through Schwab if you have tgat account.
Mark ********
Ok, then that’s changed since I did it eight years ago.
Jack ********
@Mark *******
all Thai visas in the US are evisa. You don’t ’go to Los Angeles’ to apply
Anna *********
Get a non O visa not OA

Once you have a Thai bank account do a Swift transfer with a reason of long stay from your US account into Thai account

Then apply for 1year extension based on retirement
Jim *******
@Anna ********
Just get a Thai Bank account, SWIFT would not work (not allow) as simple as that. See my post above.
Jerome ***********
ORIGINAL POSTER
@Anna ********
with a non OA retirement visa, I need to get insurance and I'm gonna get it. I'm not planning on leaving there. This is gonna be a permanent move for me. I need to know the entire process and do u know of anyone that I can hire to get all the things done. Thx in advance.
Daren ********
@Jerome **********
You can get insurance with an O visa it just isn't required. An OA it is required even if it gets too expensive later.
Anna *********
@Jerome **********
you can still get insurance with a non o but it’s less hassle No police check etc

My parents 86 years old have non o plus extensions and have health insurance separately or just pay as you go

At the end of the day entirely up to you just offering an easier option
Jerome ***********
ORIGINAL POSTER
@Anna ********
what is the difference between the two options? I just want to be legal and able to stay there forever. Can u please explain it to me please
Jerome ***********
ORIGINAL POSTER
I just looked at the difference, with the non O, it's 90 days and u can file for an extension. Non OA is one yrs and some more requirements. I prefer the non OA visa. Have to report every 90 days. And I can apply outside of Thailand as well. Thx tho.
Pete *******
@Jerome **********
Non-O is simpler to achieve. Once in Thailand purchase health insurance from one of the many local providers.
Frank **********
@Jerome **********
NAN Services Pattaya. IF YOUR GOING TO PATTAYA
Jerome ***********
ORIGINAL POSTER
@Frank *********
that's where I'm planned on living. Thx Boss
Frank **********
@Jerome **********
I got the bank account only, Bangkok bank. 3 Years ago. Retirement visa, bank Account, maybe 30,000 baht,,look her up.$900 Us dollars
Jerome ***********
ORIGINAL POSTER
@Frank *********
thx and I just hit her up in Whatsapp and haven't heard anything as of yet. Hopefully she will respond soon. Where are u living?
Frank **********
@Jerome **********
Melbourne. CAN'T go for 2 more Years. BETWEEN 65,67 YOU MUST LIVE IN AUSTRALIA TO Receive your Pension. Working for 50 Years.I might as well Get Something for Free.Lol. Could go tomorrow, but I will wait.
Frank **********
Every year I go 8 weeks ,4 weeks in March and August
Jerome ***********
ORIGINAL POSTER
Where do u live there and how was the process and cost?
Marty *********
Make sure your US bank does international wire transfers. Once you get a Thai bank account you get their SWIFT code and you can connect your US bank to your Thai bank account. Do a small test transfer then you are all set.
Jim *******
@Marty ********
Not enough. There is more. Even Thai banks branch staff would not know all that.
Jim *******
@Marty ********
This is what my Japanese bank requires to register any foreign bank as a recepient:
Geoffrey ******
Get a Non O visa. Forget the OA. You must have health insurance with the OA, and you, being a retired military member have Tricare. Do you have a Thai bank account? If so, easy to transfer the funds here from your US bank. Easy process. Best of luck.
Jerome ***********
ORIGINAL POSTER
@Geoffrey *****
I'm not retiring military, so I need a non OA visa, because I need insurance to have the type of visa. I'm buying insurance. I'm a veteran, but I don't think I can use my VA medical there.
Graham ******
@Jerome **********
Your choice of insurance to meet the Non-OA will be very limited and maybe not meeting your needs fully so consider the Non-O and choose the best insurance to suit your needs.
Jan ******************
If you are planning to move more permanently to Thailand, it is recommended that you apply online for a standard 90-day Non O visa through the Thai embassy or consulate responsible for your region. This way, you avoid being tied to a Thai health insurance policy indefinitely related to a Non O-A visa.

You apply on the basis of being over 50 years old, with either a monthly income equivalent to at least 65,000 baht or a lump sum of 800,000 baht in your bank account.

Shortly after arriving in Thailand, you must open a local bank account and deposit 800,000 baht, ensuring the funds remain there for at least two months before applying for your first annual extension of stay. You may use your American bank for the transfer.

***************************
Jerome ***********
ORIGINAL POSTER
@Jan *****************
I need insurance, so it's the non OA retirement visa for me. I don't have a problem getting insurance. I need it at my age.
Greg ***********
@Jerome **********
you keep your freedom of choice regarding the health insurance, when you start on a 90-days Non-O Retirement Visa. If you start out on a Non-O/A Longstay Visa, you will be forced to buy an almost worthlesss Thai private health insurance once you enter the third year after the first year on a Non-O/A visa. And these Thai insurances won't take you in anew after you passed the age of 70 (only some - and expensive ones! - do that until age 75)
Jan ******************
@Jerome **********
Health insurance is important, but it’s clearly an advantage to be able to choose the insurance you prefer, rather than being tied to a Thai health insurance policy approved by Immigration for the rest of your time in Thailand. That’s why most people opt for a regular Non O visa as the basis for a long-term stay in Thailand. There’s really nothing to gain from choosing a Non O-A visa when you plan to apply for an extension of stay in Thailand. In fact, you’re only making things more complicated for yourself, as you’ll also need to obtain both a medical certificate and a police clearance.
Jerome ***********
ORIGINAL POSTER
@Jan *****************
ok, that makes sense. I will consider the non O visa. How long can u stay with a non O visa compared to the non O a visa?
Greg ***********
@Jerome **********
entering on a Non-Imm-O Retirement Visa, you get stamped in for a 90-days stay permit. This stay permit you get extended on Immigration for a full year. And then every year, year for year, you apply for the next 1-year Extension, again- Actually the extension process is the same one that you need to do if you started out on a Non-Imm-O/A Visa, but after having started on a Non-Imm-O Visa, you keep your freedom of choice regarding your health insurance, because it is not mandatory. If you start on the O/A visa, a Thai private health insurance is mandatory for every yearly extension
Jerome ***********
ORIGINAL POSTER
Apply for an one yr visa extension every yr with all Visa's.
Per-Arne ***********
@Jerome **********
you can also check out the LTR visa, no yearly extensions
Jerome ***********
ORIGINAL POSTER
@Greg **********
ok, is there a visa out there that is longer than a yr for a retirement visa. So, u are saying that I would have to apply for a one extension With every visa.
Daren ********
@Jerome **********
I have heard that the insurance veterans get works in Thailand. Tricare I think. I could be wrong. Ask the moderator.
Brad ************
@Jerome **********
You can get insurance on a Non A retirement VISA, you are just not forced into insurance like the OA Visa. Need to do some more research how things work here.
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