What is the process for obtaining a Retirement Visa in Thailand as an expat, and should I hire an agent?

Jun 24, 2024
5 months ago
John ********
ORIGINAL POSTER
I am retiring to Thailand in March 2025 from America. I am 54 and will have my 800,000 Baht in my Thai bank account. I will be staying in U-Thong, Suphan Buri District. I am looking to hire an agent to help me with the Retirement Visa the first year so I don't make any mistakes. Can someone recommend an agent to me? Thank you in advance. šŸ™Please DM me
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TLDR : Answer Summary
The user is retiring to Thailand in March 2025, having the required 800,000 Baht in a Thai bank account, and seeks advice on whether to hire an agent to help with the Retirement Visa process. Comments from the community suggest that the process is straightforward and can often be handled without an agent, especially if the individual meets the financial requirements. Various commenters provide insights about specific agents, the potential pitfalls of using an agent, and the necessary documentation needed for the visa application. There are also discussions about recent taxation laws affecting expats.
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.
Daniel *********
Thai Visa Centre is very helpful.
David ********
Be aware of the new taxation laws coming in effect in Thailand.
Steve **********
@David *******
so little, if any affect on expats unless your doing business here.
David ********
No, not the new ones soon to go into effect. It depends on your income and taxes being paid in your home country.
Taketo *********
Just do it by yourself like other said above sir,

1,900 fee can become 19,000++ with agent
Steve **********
@Taketo ********
most immigration offices have English speaking volunteers to assist.

They really are helpful
Bruce ***********
Easy as, do it yourself
James ********
Why use an agent ā€¦. Also because the rules on tax on transfers into the country remain vague , I would advise you sent your
*****
0 in this years tax year , then provided you are not staying more that 179 days in Thailand this year it could not be assessed for tax .
Angelo ***********
@James *******
Sending money is not taxed. Income is taxed.
James ********
@Angelo **********
I suspect you are wrong there ā€¦. All Remittance will be assessed for tax according to my advise from a Bangkok based professional
Angelo ***********
@James *******
Assessed does not mean taxed.
James ********
@Angelo **********
ā€¦. Do your own thing Angelo ā€¦. Donā€™t drive me mad ā€¦. Youā€™ll find lots of Thai tax rates far higher than those in the UK for instance ā€¦. And as such even with double tax treaty will still be subject to tax ..
Angelo ***********
@James *******
if you think so, do not live in Thailand, facepalm.
James ********
@Angelo **********
donā€™t Fā€™in tell me where I can or can not live ā€¦. Twat
Steve **********
@Angelo **********
Thank you, so few know this !
Angelo ***********
@Steve *********
Because they have not even common sense or brains at all.

EDIT: the tax laws are about income tax. And they are mostly targeted at rich Thai that have overseas property and income from overseas..
Steve **********
@Angelo **********
But many predators instill fear into farang for profit.

The 'ave' farang won't be effected at all with new laws, unless invested or working here.
Angelo ***********
@Steve *********
Depending in situation, it will effect Farangs. But bottom line to their benefit. As the tax here is much lower than in the "homeland" - I guess most foreigners managed to pay no taxes in their country of origin, and now they have to pay a mediocre tax here. Must suck to have a public school around next street - oh which street, wow someone paved a street here - and a hospital 1km away - wow someone build a hospital here in this desolate area? /saecasm
Steve **********
@Angelo **********
I'm a guest ( albiet long term ) so learn to deal with the changes.

I said 'ave' farang will se no change.

Pensions, SS, Retirement etc is pretaxed money.

I believe, as does do most, the tax laws are affecting funds earned here, or from here.

But TIT...mai-pen- rai
Derek ***********
Contact the nearest Thai Consulate where you live and they can help you get started
Edward ******
I did it by myself. But using an agent the first time is ok. Pay attention and diy the next time
John ********
ORIGINAL POSTER
@Edward *****
That is my plan.
Giorgio *********
Do you mean the extension of stay ? Because the visa you get in your own country. And the annual extension of stay that you get at the immigration office is very easy if you have 800.000 baht in your thai account.
Bob ******
Ok, call PDC Visa. They offer a great service at a very competitive rate. They have 5 offices nationwide and have been in business for 19 years. Otherwise, you can do it yourself.
VP *********
Congratulations .
Mike ******
Do it yourself. Not so hard. Save the $20 K for beer!šŸŗ
Gregor **********
there might not be any agents in Supan Buri, because this is not a very touristic area or an area used by many Expats. I recommend you take accomodation in either Hua Hin, Pattaya, or Bangkok, and proceed from there. After you got issued your 1-year Extended Stay Permit, you can register your accomodation in Supan Buri and use their Immigration for all future extensions
Jack ****************
Better to do it yourself with the officers. If you are fully on the upandup just go in and let them help you.
Marcus ************
When someone states they wish to hire an agent, to make things easier for them, why do 100 numbnuts need to and say ā€œdo it yourself.ā€ News flash! He doesnā€™t want to.
Colin *********
@Marcus ***********
"numbnuts"? Can the 101st numbnut please tell me why they shouldn't, from their experience and the experience of a thousand other "numbnuts" say 'do it yourself', when they've done it themselves and know that it's a simple process? I haven't done it myself yet, but when the Immigration Offices provide a list if exactly what is required (a list of documents, copies etc.), it seems pretty straightforward to me and I believe an Agent is going to ask an applicant to gather those same documents for them to do the job anyway. If you don't have the required funds (THB800k), or can't open a bank account yourself, then using an Agent can definitely be beneficial. Maybe the OP "doesn't want to", or he thinks it might be hard to do and doesn't have the confidence. Heck, I'm far from the most confident person, but I think I can gather a few documents and follow some simple instructions, asking for a bit of advice if I'm not really sure about something specific.
Marcus ************
@Colin ********
because they donā€™t FEEL LIKE IT thatā€™s why. The problem with being a numb nut is that you automatically expect everyone to do things just like you.
Paul *****
VIP Visa in Jomtien are excellent
Henrik *****
Take control over your future life, and do everything yourself.

Then you know excactly what you have signed up for.

Itā€™s not rocketscience.
John ********
ORIGINAL POSTER
@Henrik ****
I was only planning on seeking help the first year so I didn't make a mistake. Thank you.
John ********
ORIGINAL POSTER
Thank you for the warning
Henrik *****
Most agents will make it in a way that locks you to use the samme agent forever.
Nongnuch ********
John Patton . . You can do everything by yourself, no agent needed

Do step-by-step

You apply for a single entry 90 days Non-Imm-O retirement visa in your home country.

You enter Thailand on this visa and will get stamped a 90-days stay permit.

From up to 30 days before the 90-days stay permit expires, you can apply for the ā€œ1-year extension of the stay permit based on retirementā€.

Thai Immigration calls this process ā€œvisa extensionā€, however this is just bad English ā€“ they are extending a stay permit. A ā€œvisaā€ cannot get extended.

On the day of your application to the 1-year extension, a minimum of 800.000.- THB must have seasoned in your Thai bank account for two months, and you need the ā€œbank letter of guaranteeā€ (in Thai: rab roong thanakan) to prove it.

After being issued the ā€œ1-year Extension of Stay based on retirementā€, a minimum of 800.000.- THB must remain in your account for at least three months.

After this, you could theoretically take out some of the deposited money, but it cannot go under 400.000 THB in the remainder of the year.

Two months before your next application to a new 1-year Extension of Stay Permit, a minimum of 800.000.- THB must be back in your account

Every year, you will need to apply for the next ā€œ1-year Extension of Stayā€

NOTE:

When Immigration issues your extension, always buy a single re-entry permit for 1000.- THB on top of it. Bring at least two passport pictures for the application to the re-entry permit.

A re-entry permit keeps your stay permit alive, should you exit and re-enter Thailand during the validity of your stay permit.

Should you plan to exit Thailand more often than three times, buy a multi re-entry permit for 3800.- THB. It allows you unlimited re-entries into Thailand during the stay permit validity.

For the application to the ā€œ1-year extension of stay permitā€, the following is required:

*** your passport

*** a copy of the passport detail page and a copy of the entry stamp

*** a copy of the previous extension of stay stamp

*** you need to sign all copies in blue ink

*** a few passport-size pictures

*** the ā€œbank letter of guaranteeā€

*** an ATM receipt of a same-day withdrawal of a small amount of Thai Baht

*** your updated bankbook

*** 1900.- THB fee for the application to the extension

*** you will need a screenshot or printout of your up-to-date TM30 accommodation registration

*** forms to fill out are available at the Immigration office

This list of required documents might not be complete for your specific Immigration. It is strongly advised to visit Immigration early, and ask them for the handout list of requirements regarding the ā€œretirement visa extensionā€
Warren *******
@Nongnuch *******
can you come in on 30 days and get another 30 days tourist . Then do retirement application yourself when there ?
Nongnuch ********
@Warren ******
I would apply for a 60 days tourist visa, as with an initial 60 days stay permit, you have enough time to get all ducks in a row: use the agent for opening a bank account, transferring 800.000+ THB from abroad to the account, look for a rental and make a minimum 3 months, better 6 months rental contract as this is needed for the "change". With a 30-days visa-exempt entry, the time will run out on you
Nongnuch ********
@Warren ******
here's the requirements listed in order to apply for the "change of visa type" from a touristic entry to a 90-days Non-Imm-O retirement visa, and later from the 90 days stay permit to the "1-year extended stay permit based on retirement". Click on number 9, the .pdf sheet with the requirements will open
*******************************************
Nongnuch ********
@Warren ******
you can theoretically start the "change of visa type" process from a 30-days visa exempt entry, however you need to be quick. I do not recommend it, I'd rather start it out of a 60-days tourist visa. You will need a bank account set up ASAP and need an agent for this, then transfer a minimum of 800.000.- THB into it, then you need a minimum of 15 days left on your entry stamp in order to be able to apply for the change. You need a rental contract over a minimum of 3 months (some Immigrations ask for a 6-month contract), you need your TM30 accomodation registration completed etc etc. As you see, you will need TIME because the clock starts running as soon as you enter Thailand
Kace *******
@Nongnuch *******
hello. i am reading a second reply from you and you really seem to know this subject very well. i am retired / disabled u.s. military and finishing a year on retirement visa in cambodia. super easy visa process. as i am carrying a lot of luggage and right next to thailand it would not be convenient to return to america to apply for a single entry 90 days non - imm- O retirement visa. so i can get the 30 days on arrival. btw , since i am carrying extra luggage, one being oversized, snowboarding gear bag, i am coming by way of private van to border from cambodia then a second private van from thai side to pattaya. i am a little anxious about that as well. but i have often seen an alternative to the 800k deposited in the bank or even the monthly deposits instead as being a statement/ certification of pension from embassies. i can get a declaration from the veterans services i have not yet seen one single person bring up this important information. can you explore this as an option please??šŸ™
Nongnuch ********
@Kace ******
there are plenty of agents in Pattaya who can help you with setting up a bank account, then apply for the "change of visa type" from the 30-days exempt entry, to the 90 days Non-Imm-O retirement visa, and from there to the "1-year extension of stay based on retirement". You must visit an agent ASAP because you need the deposit in the account of the day they apply for the "change" for you. And you will need a minimum of 15 workdays left on your "admitted stay" stamp when you apply. Watch out, as you cannot do this in Jomtien because they need a 2-months seasoning of the funds for the initial visa. The agent will know their ways around all those requirements (a condo lease is part of the requirement!). I can't recommend any agents but you should be able to find plenty of them in Pattaya. It would however be much better if you had the 800.000.- THB on your own, as that would save you a lot of agents fees they need to grease the wheels of Immigration
Kace *******
@Nongnuch *******
i heard agents break bank rules by removing funds from the account and later if the client tries to do it himself he gets refused based on the agents move. what about the documents proving i have a large $4,100 / month u.s. pension? another option is i renew my cambodian visa and save another 6 months to have the 800k before moving to thailand. not what i want but i would rather avoid problems.
Nongnuch ********
@Kace ******
this is true, if you go the agent route, you will have to use them every other year. Your plan staying in Cambodia and saving up until you got your own 800.000.- THB is better, it's ideal and the correct way to go
Kace *******
@Nongnuch *******
what if i go there and get a bank account and a tourist visa then get a bank account and a EDUCATION visa while i bank the 800 k? i have half the money already. i could study muay thai and thai language. 3 months of each would be great if that is possible.
John ********
ORIGINAL POSTER
@Nongnuch *******
I appreciate your thorough answer and explanation. I have 2 bank accounts there. ! for my 800,000 which I won't pull from and 1 for my monthly budget. Maybe I am just over-planning this out. I just don't want to make a mistake on my end. Thanks again for your answer.
Dee ***********
@Nongnuch *******
thank you very much Nongnuch I asked so many about this and no reply this is brilliant

A big thank you will buy you a drink if we ever meet

Stay safe DJ
Geoffrey ******
John Patton. I am an American. Been retired for 9 years. Things are not always the same with each immigration office, so check the one where you intend to live. Don't recommend using an agent. Some say if you use an agent, you must always use one. Don't know this to be true or not. Easy to do yourself. Get a Non-O visa, Not Non-OA, as the OA requires insurance, which can become a tad pricey the older you get. You can apply for the visa through Thai embassy in the states. I got mine in Seoul Korea. Dropped paperwork off one day, next day picked up the visa. Cose was $80. My wife was with me. Visa was 90 days. Flew into Thailand 16 Nov2015. Visa was good till 14 Feb 2016. Went to immigration and they told me to come back when I had 30 days left on the visa and apply for a one year extension to stay. That is what I did, and have been doing annually every year since. Never an issue. Used the same IO every year. Give her a little coffee money. Cost of one year extension is 1900 baht. If you want a multiple reentry, you will pay 3800 baht. Single is 1000. Very easy. Best of luck.
Kim *********
@Geoffrey *****
some say that yes but that's only if you don't have the money in the bank
Geoffrey ******
@Kim ********
With all due respect, of course you use an agent if you don't have 800k. Why else would you? Process is quite simple. Just do what the immigration office where you live tells you, and be done with it. Not rocket science. Mr. Kamdee went into great detail what needs to be, however one never knows what an IO is going to tell you. Remember where we are. TIT.
Kim *********
@Geoffrey *****
yes that's what I say actually - agent if you don't have the money in the bank and a part of the fee is for bribing immi - I just replied to your remark "some say if you use an agent you must always use one. Don't know if that is true"
Geoffrey ******
@Kim ********
If you read my comment, I said I had heard that if you used an agent, you must always use one, inferring you were locked in regardless if you have the 800k or not at a later date. Don't know this to be fact. Probably just gossip.
Kim *********
@Geoffrey *****
I have read and answered it and no not regardless if you have the 800k or not - only if you don't have them of course. So let's say you use an agent for that - he deposits the 800k which should have been there 3 months before - bribes immi and takes the 800k out again which should have been there 2 months after. Then next year he will do the extension himself and when the immi officer checks the bank book he sees that the financial requirements were not met regarding the previous extension and the new extension is refused. That's why as far as I have read in this group and others. Enough of this
Christopher *************
The Thai visa centre
John ********
ORIGINAL POSTER
@Christopher ************
is am wanting to get Retirement visa
Christopher *************
@John *******
they are perfect for that
Christopher *************
@John *******
šŸ‘
John *********
If you are 54 and have the 800k, you are intelligent enough to do what is necessary without an agent. You got this.
Sasi ************
I am a Thai-American have seen many of my Americans friends and families do it by themselves without any hassle. Itā€™s transparent process , no need of agent. Just an FYI.
Robert ********
If you do at Suphanburi I think no agent there.

What type of retirement visa you need?
Christopher ******
Just be sure to send the money in a year when you stay less than 180 days if you can, to avoid any potential taxes given the evolving situation here.
Nongnuch ********
@Christopher *****
in case you can prove that you had already taxed funds in your home country before January 1st, 2024, you can transfer them tax-free to Thailand
Paul *******
@Nongnuch *******
I.m curious as I.ve been following different views on the new tax rules. If an American citizen , on a social security pension, files there taxes for 2024, but DOES NOT NEED to pay taxes on that income to the US because its a small amount, do you think Thailand would tax the money in the Thai bank? In other words, if a US citizen files taxes but doesnt need to pay taxes, will money in a Thai bank be taxed?
Nongnuch ********
@Paul ******
I am sorry, at the moment there is so much different info circulating. It's impossible to predict how the plans will be implemented, and if they will be implemented at all. It is going to turn out a bureaucratic monster for the Thais
Paul *******
@Nongnuch *******
gottcha...thanks for the reply
Christopher ******
@Paul ******
just be aware and alert to all possibilities, safest bet = transfer the $ in a year (if you can) when you stay less than 180 days. If you want to go down the rabbit hole of proving the money came from ā€œsavingsā€ funds prior to 2024 (or was covered by a dual tax agreement) it feels a lot more complicated than the easy way, but always at your own risk, you know the best choice for your situation ā€¦
Paul *******
@Christopher *****
right good point...however, I.m thinking that I.d like to stay there full time, or more than 180 days a year. Guess we.ll see in the end how much tax one would pay on the 800,000 bt, if any for retirees. Hopefully it would a low amount.
Angelo ***********
@Christopher *****
Wow ... you wrote a single sentence and made 4 mistakes in it. Taxes, is on INCOME. Moving your own money from A to B is not INCOME!
Colin *********
@Angelo **********
if you're going to pick up up on their mistakes, be sure not to make any mistakes in the past to them šŸ˜œšŸ¤£
Christopher ******
@Angelo **********
better safe than sorry especially if you can control the timing.
Martin *********
I used a agent in pattaya simple minaret in soi post office pattaya
Chris *******
It is a straightforward process.

If you have the money and somewhere to live.

Go to the local immigration, get the list.

Follow it and it's done.

2000b 90 day

1900b 1 yr extension
Joseph *********
Nongnuch ********
@Chris ******
why would you recommend the more complicated way to achieve the initial 90-days Non-Imm-O visa inside Thailand, followed by the "1-year Extension of Stay based on retirement"? It is much easier to apply for the 90 days Non-Imm-O retirement visa in his home country, before he wings his way here, and applies for the "1-year Extension" on Immigration by himself. More due to the fact that he already has a Thai bank account. . . . using the classical method, he doesn't have to show the money came from abroad. If he uses the way you propose, he will need to show that the money came from abroad (the exception being Immigration Jomtien)
Kace *******
@Nongnuch *******
šŸ‘‹ i am coming to Jomtien at the end of august myself and have a disability pension from U.S. army. they can send a dated statement of benefits and i can print out years of my bank statements from my iPhone showing my u.s. treasury checks deposits going back 5 years. i have over half the 800k thb when i arrive. do i qualify as described or should i get an agent? tia
Nongnuch ********
@Kace ******
no, as long as you don't have collected 12 months of money transfers from abroad to your Thai bank account of a minimum of 65.000.- THB, month for month, you need a minimum of 800.000.- THB deposit on your Thai bank account, in order to apply for the one-year extension of stay. If you cannot fulfill this, your only choice is to pay an agent to front the deposit for you . .the fees start at 30.000.- THB for the visa and then for the extension . . .
Kace *******
@Nongnuch *******
what requirements would i have to get an education visa? i am already wanting to study muay thai with regular classes plus private lessons. as long as i am actually studying and practicing muay thai is this a real option as i save another 400k thb? do you know how much the visa fees are for that? i would just go and find out when i get there except i have to carry so much luggage .
Angelo ***********
@Nongnuch *******
"It is much easier to apply for the 90 days Non-Imm-O retirement visa in his home country, " in Germany it definitely is not easier. And for some odd reason" I assumed the "home country" process is everywhere the same?
Nongnuch ********
@Angelo **********
and no, the application process differs strongly from country to country! For example for the application to a 90-days Non-Imm-O retirement visa by the Thai Embassy Vienna, one must be a "real" pensioner. For the Thai Embassy Washington DC, one only needs to be over 50 years old
Nongnuch ********
@Angelo **********
it is as easy as it gets, if he is German. The following are the requirements. Complete easy, you do not have to be a rocket engineer
Chris *******
@Nongnuch *******
he asked about using an agent, that is doing in country.

I advised as per the question.
Nongnuch ********
@Chris ******
that's okay, however it is still easier enter Thailand with a 90-days Non-O visa issued at home. And he could, at this point, still get help from an agent for all the next steps
Martin *********
@Chris ******
he wants to retire not extend a existing visa.
Chris *******
@Martin ********
sorry 2000baht for the 90 day

1900baht for the extension
Vin *********
@Martin ********
Correct. So he goes to the local immigration office for the list of items needed to file for the retirement visa. Which is managed by immigration....
Chris ****
Ask Immigration what they want, you dont need an Agent when you have the money. Its easy !!
Steve **********
Monthly income ( pensions, social security. Other country govt retirement plans )
Marcus ************
@Chris ***
the guy says he wants an agent.
Steve **********
@Chris ***
you dont need an Agent..throwing $ away. You have funds deposited, at Every Immigration office there are volunteers to assist, they are excellent.

It's not a difficult process, I suggest after 1st year switch to mo income method...very easy, and not leaving any large funds in a bank with no interest.....best of luck.

It really is easy, and the learning curve will be invaluable for your future.
Dee ***********
@Steve *********
100% Steve I did the same as Chris first year and then started asking people how to do and I was shocked how easy it is to do

Also the agent will not teach you how to do it and also as you said there is people at immigraton
Angelo ***********
@Steve *********
No idea what you mean with "no interest". The banks here pay interest. It is just not a lot. And with our days world wide low interest "season" you likely lose more money by an international transfer than you gain by having the money outside of Thailand.
Steve **********
@Angelo **********
1%....thats interest ?

actually 0.9 % in some.
Steve **********
Steve **********
@Angelo **********
monthly income
Rob *****
@Steve *********
What is "MO" income method?
Angelo ***********
@Rob ****
he meant monthly income.
Lynnette *******
I messaged one ( twice) that was recommended but they have not replied. Hope you get the help.
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