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What is the process for obtaining a retirement visa and a bank account in Thailand?

Aug 13, 2025
3 days ago
Sharyn ***********
ORIGINAL POSTER
Interesting, a retirement visa is required for a bank account, and a bank account is required for a retirement visa, go figure.
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TLDR : Answer Summary
The discussion revolves around the procedural intricacies of obtaining a retirement visa in Thailand, highlighting the need for a Thai bank account to hold 800,000 THB as part of the visa process. It emphasizes the logical sequence of obtaining a Non-Immigrant Visa before entering Thailand, which allows one to open a bank account and subsequently apply for a retirement visa extension. Many comments reflect on the complications arising from misunderstandings about the requirements and banking processes, especially post-COVID, as well as the challenges faced by expats navigating the system.
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.
Tom ***********
Brilliant!
Jesper *******
It's only after covid that creates this catch22 before covid one can open a bank acct easily with tourist visa (without agent) then apply for a retirement visa here in thailand.....
Steven ******
A bank account is indeed required for a retirement visa but it doesn't have to be a Thai bank account for your initial 3 month Non O visa. Then on that 3 month Non O you can open a Thai bank account, Bangkok bank wouldn't open one for me on the 3 month visa but K Bank did.
Ken *******
It's easy! Non O visa from home country gives you 3 months then get bank acc. Deposit
*****
0baht then apply Retirement or whatever visa you require
Graham *****
@Ken ******
at last someone talking sense
Doug ********
Welcome/ not Welcome to Thailand.
Mark ********
Easy. I've got both. What's the problem?
Damo ***********
Do more research… you will work it out.
Andrew ********
You can use your home bank to verify deposits savings / income requirements to obtain the visa just extra steps to it
Jeremy ******
Oh no the terminology police are going to have a field day with the OP
Tony *****
@Jeremy *****
🤣🤣 absolute. I figured with the author was trying to say immediately. Sometimes this group is hilarious
Max *************
@Jeremy *****
It's sometime totally impossible to help someone who uses the wrong terminology.
Jeremy ******
@Max ************
"sometimes " being the operative word.Most if the time it's straight forward enough to understand but rather than help too many people jump all over the terminology.
Michael *******
Maybe go figure in another country - and guess what same rules apply - no resident no bank accounts - not that hard really……..
Graham *****
@Michael ******
but you can get bank account in the UK

Overseas student etc figure that one out
Michael *******
Students get special dispensation as temp residents, have to close when they leave like most of us, mine got nailed 8years ago….wouldnt accept my sisters address….😡
Charles *******
I must say ……. I just received a Visa for 12 months in one hour…. The immigration contacted a man who was waiting for me in my Thai bank. The Man had the bank register 800 000THB on my account . The Bank issued a Certificate stating the money on my account . The Bank then cancelled the transferred money. I returned to Immigration. I was asked for

15 000THB + 3 800 THB.

And my passport was stamped until October 14 2026.

I would not have suspected Immigration would/could liaise with obvious oblique procedures …….

Surprising Thailand
Stefano ****
@Charles ******
That's how it is if you don't have the
*****
0 BHT you have to pay the favor it has always been like this
Jim *******
@Charles ******
Good for you. Then, you are all set.
Michael *******
It’s called corruption you just bought a whole bunch more uniforms 😂😂
Charles *******
@Michael ******
I know of the malice “Agents” use, but practically the end user is not aware of what really happens.

I prepared the long list of documents asked by the Thai Administration on Internet . None of these documents were asked to me this morning and it was the Administration which connected with a ……

“Lubricator “
Michael *******
@Charles ******
which is why it gets harder for the rest of us, they throw obstacles in the way to deter us and encourage use of agents to line their bank accounts…..downward spiral mate……3 month wait list for a driving license now…why ?.?
Max *************
@Charles ******
I guess you didn't meet the 800k in a bank account requirement.
Max *************
@Charles ******
How did you think it worked between agents and immigration? Every agent pays immigration for the service. The only thing that's borderline not ok (at for example Bangkok Bank) is the 800k transfer to your account.
Peter **********
Interesting indeed. Even more so because a “retirement visa” doesn’t exist.

You use some arbitrary wording for two completely different things, and then you can’t figure it out.

I’d say “Duh!”
Max *************
@Peter *********
It's a simple way to explain visas "based on retirement".
Bob **********
This is the way it’s supposed to work but as of late with all the banking issues it can be easier said than done
Sharyn ***********
ORIGINAL POSTER
@Bob *********
lots of banking issues here, my previous 'Retirement Visa' used Bangkok Bank through an agent, no longer possible
Tony *****
@Sharyn **********
I think you need to reword your post.

If I’m correct you’re saying that once you’re in Thailand and want an extension of stay on your 90 day visa you need a bank account. BUT many of the banks are saying you must have the extension of stay before you can have a bank account.

Is that what you’re trying to say?
Sharyn ***********
ORIGINAL POSTER
Tony *****
@Sharyn **********
I thought so. ☺️ you’ll find some people here will crucify you for the wrong terminology 🤣🤣🤣. Did you get want you were looking for?
Max *************
@Bob *********
There are actually no "banking issues" when on the correct type of visa.
Bob **********
@Max ************
there asking about opening an account
Frank ****************
@Max ************
Not so sure about that now.

Asked in BKk and Isan for a bank account with my Non - 0 Retierement Visa.

They want a yellow book, work permit, marrige certificate, int. Driving licence and so on.

The yellow book can be issued when I‘m 6 Month in the country, was today the opinion at the amptor…

Like that my extention will not work out.

Everything else i have for it…
Max *************
@Frank ***************
Man,do you think they have a clue about requirements up in Isaan?
Sylvia ********
@Frank ***************
most generally need certificate of residence which you get from immigration. Many are here to retire so no work permit, renting a condo so no yellow book
Brown ********
Best thing is to get the non o for 3 months in your home country and then open your bank account in the first month to get your 800k in there with 2 months + before your extension requirement. Pretty easy still
Ken ********
@Brown *******
another correct one
Lynnette *******
It's not hard to figure. Get non immigrant visa from embassy, enter country, open thai bank account, deposit funds, get 12 month extension. 👍
Ken ********
@Lynnette ******
correct response.
Stuart ***********
If you think about it, the visa process is very logical in that you should apply for the correct long term visa (retirement/marriage etc) before coming to Thailand. If you do that you can open a bank account and extend your stay.

If you arrive as a tourist and decide to retire here afterwards, then obviously it's going to be more difficult for you and possibly involve having to pay someone to assist you.

I think the problem is that Thailand has been very lenient in the past allowing people to open bank accounts and apply for visas, but this has been abused by criminals and they have quite rightly tightened the rules.
Anna *********
Re read the requirements It is a perfectly logical process which you have failed to understand
Grandpappa **********
Amazing Thailand
Phil ******
@Sharyn **********
if in Thailand there are agents that can assist you
Max *************
@Phil *****
She has just totally misunderstood what a "retirement" visa is and doesn't understand that you don't need a Thai bank account when applying for it back home.
Peter **********
@Max ************
The problem is in the wording and people insisting on using “retirement visa” when Thailand doesn’t have anything called “retirement visa”.

The correct wording is “non-immigrant O visa based on retirement “ and the other thing is a “one year extension of stay based on retirement”. The latter is not even a visa…
Brandon ************
@Peter *********
technically it's still not based on retirement. It's purely based on being at least 50 years old. The translation from Thai to English is something like "visa for the purpose of living out your remaining years"
Peter **********
Max *************
@Peter *********
It's an easy way to explain visas "based on retirement". For example the 90 days Non-O and the O-A. Get it?
Peter **********
@Max ************
I am on a non-o 90 day. Not retirement at all.

So “retirement visa” is good for people who are to lazy to type and who like to confuse each other.

What is a “retirement visa” really?
Brandon ************
A visa is used to enter a country. Yes, a bank account is required. The bank account in your home country when you apply for the retirement visa through the Thai embassy there.

Then when you use that visa you purchased from the embassy showing proof of funds in your bank account back home, you can open a bank account since you entered with a non-immigrant visa. Then you use this bank account to apply for the subsequent extension.

This is the way the process is supposed to work, and the way it does work if done properly.
Doug ********
@Brandon ***********
is so easy to understand when worded like that, however lots of mis information is given in many groups,thai e visa website is black and white ...apart from the grey bits....lol.... Some banks are getting tougher even with the 90day non o visa .

But it's all doable
Max *************
@Doug *******
Maybe stop listening to rumours and gossip.
Cris ******
@Doug *******
@Brandon ***********
is the only one I will take solid information from. To much "I heard a guy at a bar say" shit going around.
Ron ******
@Cris *****
Yep the old bar stool lawyers!
Jim ********
@Cris *****
he is a knowledge bomb tbf
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