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What is the retirement visa protocol for expats over 50 years old wishing to live in Thailand?

Mar 6, 2026
2 months ago
Jo ***********
ORIGINAL POSTER
I’m 63 from U.K. & want to retire to Thailand. What is the protocol please?
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TLDR : Answer Summary
To retire in Thailand as a UK citizen over 60, you typically need to apply for a Non-O visa, which can be initiated at a Thai embassy in your home country. Additionally, you must demonstrate proof of financial means, such as having 800,000 THB in a Thai bank account for at least 60 days before applying for a one-year extension of stay. It's essential to scout different regions in Thailand to find a suitable living environment, as it varies significantly across the country. Many recommend renting before committing to a permanent location. Joining expat communities can provide valuable insights, but be cautious about financial dealings, especially in personal relationships. Always refer to official resources for the latest visa regulations and 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.
Kou ******
Stay in your native nation will be better. However you can go to Thailand and spend your vacation with a happy ending but no relationship, no string attached, no real estate, and save some money for an emergency to buy your ticket back to your country.
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Eric **********
Go there 4 months per year it’s enough !
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Petr *********************
First question, why not Spain or Italy? Much cl9ser and more beautiful, and easier language to learn
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Scott ******
Personally I would retire in Philippines 🇵🇭.

I have experience in Thailand and Philippines is much nicer. No problem with visas you can extend every 2 months
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Michael *******
Go to cambodia easy to get a retirement visa not as many hoops to jump through
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Le *************
Bring all your money 💰 🤑 to Thailand 🇹🇭
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Andre *********
I think it's also possible to get one retirement visa and have your spouse on it as a dependent. If so that would require one bank account.
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Coburn ******************
Any person you meet will need money to take care of their old mother, father, children, buffalos or even elephants.
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Coburn ******************
First thing is to find a Thai lady or boy half your age, give them all your money and promise them to buy them a house and adopt all their bastards from previous tricks. Then the Thai immigration will see thru it that you are an honorable man and may give you a retirement visa which need to be renewal every year with more and more money.
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Scott ******
Pattaya is sleazy place no good
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Dragan **********
By the look of his replies to comments I think he knows Thailand and acting stupid to see comments. That’s all .

I barely help these types of people .

They already know enough or can look online for help .
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Pat *******
Click Bait!
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Jo ***********
ORIGINAL POSTER
@Dragan *********
thank you kindly for your contribution!
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Jo ***********
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Robin *******
Pay, pay, pay
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Neil *****
Same .. and same!
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Jason *****
I am just looking into this. Surprisingly not a difficult process but as all things administrative, it is important to strictly follow the established process. Ideal approach is to get an agent to handle this for you. There are several visas retirees can use depending on individual circumstances.
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David *******
Google for facts.
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Simon **********
Ware a nice plce. Near sea ?
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Simon **********
Is it cheap. To buy a flat , or Rent ?
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Jo ***********
ORIGINAL POSTER
Simon Demaline yes
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Jo ***********
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Braulio *********
Go to the Thai immigration website
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Kevin *******
Contact Thai Visa Centre.
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Eddie *********
Get a brain transplant
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Barbara ************
Research
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Pat *******
Chap gpt can give you a very comprehensive answer. On here you will only get conflicting information from bitter and twisted expats. Good luck.
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Jan **********
I don’t understand and maybe I missed something.

I read al comments and you wrote that you have lived before in all seasons in Thai. And you ask about what’s the protocol for retirement and visa? 🫣🤪.

I have been only for 3 weeks last January in Thai. And the protocol is easy to read on the Thai website. Just follow these steps I guess 😉🤗.

Get a visum for 90 days. Go to Bangkok - get and bank account and drop money or proof you got every month money on it and let te 90 days visum change in a 1 year permit. Something like that.

But I think you must know this after all your years in Thai 🤣😉🫣
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Neil *****
Jan Verwoert quite clearly says it’s been 20 or so years - and things can change in a week here so best not to worry yourself too much on the why’s etc
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Neil *****
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Phil **********
Go to Thailand in all seasons and see if you like it first, I to would love to live in Thailand But from March on it gets very hot, so for me it would be from October to March. Come back jump in my Motorhome cross to Europe and drive, I have a Thai wife of 20 years and the Motorhome, so I got the dream just need her permission.
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Gordon *******
Phil Stanbury Good suggestion
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Jo ***********
ORIGINAL POSTER
Phil Stanbury yes I’ve lived through all seasons in Thailand so I too would probably be popping in & out.
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Jo ***********
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Nongnuch ********
Well, there are several roads leading to the 90-days Non-Imm-O Retirement Visa and to the subsequent 1-year extended stay permit based on retirement.

We are talking about the most common and persisting misunderstandings regarding the rules that come with applying for the “retirement visa” and the subsequent “one-year extension of stay permit based on retirement”. Misunderstandings happen because a “retirement visa” can mean 7 different visas and stay permits

The best way is to enter Thailand on a 90-days single entry Non-Imm-O Retirement/over 50 Visa”, as it will get you a 90-days stay permit stamped. On this visa, you can get a Thai bank account opened. Within this 90-days period, you have plenty of time to arrange for the application to the “1-year extended stay permit”

On a Non-Imm-O Retirement Visa, there is no mandatory health insurance, no police report and no medical check needed. These are requirements if you apply for the 365-days Non-Imm-O/A Longstay Visa.

In order to apply for the “90-days single entry Non-Imm-O retirement visa” through the online E-visa system at the Royal Thai Embassy of your home country, you can use the proof of income of a monthly minimum of 65,000 THB, by using your original pension or other income documentation.

Or you can use a deposit of a minimum of 800,000 THB or the equivalent in your home country currency, or on your home bank account, or on a Thai bank, or just anywhere in the World – as long as it is in your sole name

However, for the application inside Thailand to the “1-year extension of stay permit” out of the initial 90-days Non-Imm-O Retirement Visa, if you are a citizen of a country whose embassy in Thailand does not issue an “income affidavit” any more (these are the embassies of USA, U.K., Canada and Australia), you would need a “12 months bank statement”, showing that for the past 12 months, you have been transferring from abroad to your Thai bank account a minimum of 65,000 THB, consecutively month for month.

If your embassy still issues an affidavit of income, you can use this method for the financial proof, which needs a monthly income or pension of a minimum of 65,000 THB

For British, Australian and U.S. citizens, in the first year there is no other way around, than depositing a minimum of 800,000 THB in your Thai bank account and use this deposit for the financial proof which is required for the application to the “1-year extension of stay permit based on being over 50/retired”

The alternative would be, if you don’t have that kind of money or are not willing to deposit in a Thai Bank account is, paying an agent to “arrange” the requirements, which I, however, do not recommend

Or, as soon as you have accumulated 12 consecutive months of 65,000 THB transfers, all you need to do is apply for the next 1-year extension of the stay permit, using the 12- months bank statement. After you get the second 1-year extension issued, you could withdraw the 800,000 THB.

This application to a 1Year Extension costs a 1900 THB fee and you can theoretically do it all by yourself, or accept the help of an agent for the simplified legal service.

NOTE: It is income OR deposit.

There is a third method, called the “combination method”:

A combination mix of income and deposit. Some immigrations don’t allow the combination method in the first year.

And some Immigration want the deposit part to exceed 400,000 THB.

The combination method means that the sum of the deposit AND the monthly income exceeds 800,000 THB in one year.

But let’s continue with the “normal method” (visa issued in your home country, followed by the application to the 1-year Extension inside Thailand):

On the day of application to the 1-year extension, the 800,000 THB need to have “seasoned” in your account for two months, and this has to be proven with the “bank letter of guarantee” (in Thai: rab roong thanakan).

You need:

*** an up-to-date TM30 registration of your accommodation in Thailand

*** your passport. Copies of passport detail page and page with the entry stamp

*** your updated bankbook and the “bank letter of guarantee” and an receipt of an ATM withdrawal of a small amount on the same day

*** a TM7 form (you will get it on Immigration)

***you sign in blue ink on all copies

*** you sign forms STM2, STM11 and STM9

*** maybe you get asked for a copy of your TDAC (digital arrival card)

*** 1900 Thai Baht application fee

*** 1000 Thai Baht fee for the single entry permit

After been issued the “1-year Extension of the Stay Permit based on Retirement”, the 800,000 THB need to remain in the account for 3 more months. After these 3 months, the deposit shall never go under 400,000 THB. Before the application to the next “1-year Extension of Stay”, a minimum of 800,000 THB must have seasoned in the account for two months, again

On the day you get issued the “1-year extension of stay permit”, you should buy a re-entry permit for it.

A re-entry permit will keep your stay permit alive in case you exit Thailand before the expiry of the 1-year stay permit.

A single re-entry permit is 1000 THB on Immigration. A multi re-entry is 3800 THB. With a multi re-entry permit, you could exit and re-enter unlimited times during the 1-year stay permit period.
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Michael *******
Jo first you must do visa in uk 🇬🇧 I used a company called Scott’s Visa thy were very good it cost around £250 I recommend very highly it was stress free

You don’t have to go to thai embassy in London thy do everything for you .. and if you live outside London you safe on train fare & travel ..
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Danny *********
Go to veitnam
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Stéphan ********
Hi, to tell you the truth i have heard a lot of sad stories but there are also beautiful ones... i have been maried with a wonderful and pretty thai woman for more than 13 years, we have a very handsome 9 years old son and we are all very happy together. Just don't go chase women in discos, tourist places and maybe you will get very lucky too... 😊🙏
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Fred **********
there are so many story's here. I can imagine that, when you all read this while you not know about thai visa at all, you not know where to start.

So the best way is the site of Immigration. They have the wright story and the latest news.

Or go to a visa office.

All people here are so kind and trying to help!!!! But all have other opinions and that surely is gonna confuse.

I even have my retirement Non OA for a few weeks and did all by immigration of my country. So I know how it works. But then still there were people here who said I was wrong????!!!!.
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Greg *****
Just bring 20 grand and try it, then go home in 6;months
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Chris ***********
Stay in the land of plenty. Maybe get used to daily call to prayer. Praise Allah
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Gordon *******
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Gordon *******
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Tony *********
If you’ve lived here before why ask, people like you are so arrogant to think that someone will give you all the information, your just taking the piss 🤬
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Andy *******
Avoid it at all costs

It’s a nightmare place to live
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Terry ********
Andy Smith the UK?
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Andy *******
Terry Horton

Yes, both places

But at least here is home

I lived and worked out there for ten years, nice at first, but good to leave
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Pete *********
Andy Smith depends​ on​ what​ part​ of​ Thailand​
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Pete *********
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Tomas *******
Bring enough money
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Jo ***********
ORIGINAL POSTER
Thank you John Stanners for your helpful & sound advice. Much appreciated.

Kind regards. 🙏🏼
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Chris ***********
That is Gospel.😀
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Shane *************
Use an agent it's a lot less hassle. Worth the extra cost for peace of mind, as everything changes constantly.
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Jo ***********
ORIGINAL POSTER
Shane F Campbell yes I know hence why I’m asking for advice.
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Jo ***********
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Harry ********
Go on the Thai immigration website
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James ********
Phone credit card passport , probably a spare pair of glasses at your age …. But once you’re here you’ll need a degree in patience to navigate the system …. Thailand is very bureaucratic … things happen their way or not at all … this is not to put you off just to forewarn you
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Dave ******
James Yarrow there are immigration rules and then there are immigration officer rules. The same question never ever gets the same answer. In Thailand it doesn't matter if your asking for a cinema ticket or a driving licence, it usually involves a visit to the village boss or a new motorbike.
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James ********
Dave Owen absolutely , I was warned off Nonthaburi immigration by what I had read on line , but have found them relatively straight forward , but without the queues of C Watthana 😉 .
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James ********
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Rudy ********
Depends where you like to live....
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Calum *****
Not being funny but this post is just lazy. Go on the Internet and look. Then if have a query about a VISA then ask.
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Jo ***********
ORIGINAL POSTER
Calum Don Thanks for your helpful advice!

Not being funny but this post is just lazy!
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Calum *****
Jo llewellyn Your post was too far reaching. You want people to tell you everything would take weeks. Should of been more specific. I'm.not hating on you. Good luck with your Thailand life peace out. JO.
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Calum *****
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George *********
It’s best to ask people who have done this. It requires planning and finances.
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Gordon *******
George Joachim 💯%

Tax,finances etc

6 months a year is worth considering, NHS availability

Taxes etc
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Gordon *******
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Alexander *************
As 180 days a year resident you have to declare and eventually tax in Thailand. A DTA can be reduced or terminate tax but certificates have to be legalized- here the problem starts…
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Gordon *******
Alexander DThornerian That's one of the issues , different tax ways from UK

Check it out before anything else
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Gordon *******
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Allan *******
Yes you need money!
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Will ******
Personally think it might be wise to use a visa agent.
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James ******
The only one is you have to have enough money
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Mike *******
Relax everyone!!! Y'all know by now that the person posting the question has zero intentions of reading your answers.
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Jo ***********
ORIGINAL POSTER
Mike Ratel I’m reading them all!
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Mike *******
Jo llewellyn This is how you have fun in your country? Post questions on forums then disappear? Sounds like a boat load of fun!
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Jo ***********
ORIGINAL POSTER
Mike Ratel who’s disappeared?
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Jo ***********
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Richard ********
Western refugees are flooding Thailand...It will end up changing this beautiful country massively.
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Nigel *********
You need to spend time here first
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Tony *********
Nigel Vincent he has he lived here man’s a dick
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Jo ***********
ORIGINAL POSTER
Nigel Vincent got the T-shirt thanks just out of loop on visas & my circumstances have changed.
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Jo ***********
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Martyn *******
Try it first. It's a total culture shock. Personally I love it but it won't suit everyone
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Jo ***********
ORIGINAL POSTER
Martyn James I’ve got the T-shirt thanks.
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Jo ***********
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Jamie *********
Lawyers, money and guns
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Inem *******
Good adv is come as tourist first, learn basic Thai language, don't fall in love too easy, never married ex whore, never show off your wealth, keep low profile, behave like a poor guy and homeless.

Best woman to get married is (Isaan girl) @ northeast state of Thailand. Stop relation immediately if the girl ask for money. Disguise as poor man and become temple boy. Good Thai ladies usually visit temple frequently. Make fren first
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Giuse **************
@Inem ******
best girl is Isaan? You can't generalize like that!!
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Inem *******
@Giuse *************
I can't, but merely write base on my own experience. Anyway is for Jo to find out. We as a member of the grup hv some input fr him to decided his destiny
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Inem *******
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James **********
@Inem ******
you say best girl to fat is a Isaan girl ffs head in the sand
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Inem *******
@James *********
😁 my comments doesn't represent all, some people they are hunting fr ex whore and regretted later. So far fr me Isaan girl suite me well. I hv isaan gf but no luck she perished in TH Phuket crashed in 1986.
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Inem *******
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James **********
@Inem ******
😂 your clueless most girls and ladies who work in the tourist areas are from Isaan as it’s the poorest province here in the kingdom
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Giuse **************
@James *********
exactly, he doesn't know what he's on about!!
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Inem *******
@James *********
I am a Thai working here in Malaysia. Just a clue. Let him find out more since he is the one going
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Inem *******
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Paul_D******
I spent nearly 5 months here in 5 trips in the last 2 years. I retired here in January 2026. I think first you need to find what you like here and a place suitable to live that suits your lifestyle.

Places like Pattaya may be ok for a holiday but I would not live there knowing what I know now.
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Mike ******
What do you "know now" that means you wouldn't live in Pattaya?
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Paul_D******
Mike Mike I initially considered jomtien/pattaya but the more places I checked out, the less I was interested in the area.

In the longer term the lifestyle and tourist focus (the demographics of the tourists there) + traffic of Pattaya lacked any appeal.
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Paul_D******
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Jo ***********
ORIGINAL POSTER
Paul_Duci916 thank you kindly. I have lived in Thailand previously.
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Jo ***********
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Stani ***************
I coming first and last time February 2004 and never go back to Europe.

Happy Thailand 22+ years.....
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Aileen *********
I’ve visited many times over the last 22 years, it’s my favourite place in the world 💖🇹🇭
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Aileen *********
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Jeff ************
Bring a bank card
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Don ********
Google.. thai embassy in the UK???!!!
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John **********
The first thing you need to do is which of the 5 or so visas all classed as retirement visas suit you. The most common is the 90 day non-o visa based on being over 50 which you obtain before travelling to Thailand. Once you get here open a bank account and deposit the required funds for a 12 month extension of stay based on retirement. The funds need to be in place for 2 months before you can apply for the extension so getting the bank account is a priority
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Jo ***********
ORIGINAL POSTER
@John *********
Thank you for your sound advice. 🙏🏼
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Jo ***********
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Onchuma *************
Wellcome 🙏🏡If there is a small modern garden house near the airport in Khon Kaen, price around 3M THB, would anyone be interested?
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Tachibana ******
Don't get into a serious relationship with young Thai women, they more than likely are going to use you for money, go out at night, want you to buy them expensive things, want you to send money to their family, cheat on you, and the list goes on. Just have your sex if you want, and send them away.. ...p.s. never buy a house in their name either, they will kick you out eventually and move their husband and family in.
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Robin *******
Tachibana Love he asked for visa advice, not a lesson in negativity,
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John ********
Tachibana LoveSolid advice! Rent by the hour. Keep moving to the next one. Too many romance scams. Let ‘em find another sucker!
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Bret *********
Tachibana Love I met my Thai wife in the US 15 years ago. She’s a US citizen now. We built a house on the land she inherited when her mother passed. Her family is free to use the house while we’re not there but they prefer to stay in their own homes. I have no desire to live there in the middle of rice land during the hot season or the burning season. The rainy season doesn’t bother me as much. We met under different circumstances and were older and wiser but I must say that she is the opposite of the Thai woman you’re describing. She is very frugal and practical. She is a devout Buddhist. She is honest to a fault and we have never had a serious problem in our relationship. I think the issue is that successful relationships are not often discussed because it’s not juicy gossip. Use common sense and don’t jump into a relationship. Thailand is like any country and has good women.
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Tachibana ******
Bret Miracle they are always exceptions to the rule, I'm a living testimony to that, but I do have a number of clients that have been taken advantage of, which why I would make such a statement. I do believe many foreigners are targeted as opposed to the Thai men that are there and many of these men end penniless or homeless dealing with Thai women, I've heard hundreds of stories of this happening, so therefore, this proception comes from somewhere. I wish you well with your relationship and continued happiness, I'm sure many men come there and want the same thing, but end up getting wiped out.
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Neal ***********
Bret Miracle agreed. My Thai wife is a practicing Christian and a loving wife and mother to our son. We have been married for many years. I think we and you 'swim in a different pool'. Kind regards Neal
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Neal ***********
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Dan *******
Went out for milk , huh ?

See ya 👋
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Ricardo **********
Tachibana Love - What a stupid idiotic answer
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Gordon *******
Ricardo Mihandro True though
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Gordon *******
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Steven *********
Tachibana Love wise advice indeed.

No matter how many warnings these gullible men recieve they just can't resist the lure of thai pussy. 🤣
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Russell ********
Steven Summers that's why im going to the Philippines for the second time, Cebu city
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Tachibana ******
Steven Summers exactly, they trying to simp for those women like they are angels and innocent, but I know the game, and I know those women. They looking for a "farrang" to save them , so they can have an easy life and show off in front of their family and friends.
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Tachibana ******
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Jo ***********
ORIGINAL POSTER
Tachibana Love I’ve lived in Thailand previously so fully aware of the games!
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Matt ************
Tachibana Love not much of this is true outside of bar girls.
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Tachibana ******
Matt E Bassett I've heard hundreds of stories that are true, and I've even had clients that have been traumatized by Thai women. I'm sure they are exceptions, but the vast majority of stories that I know are heart breaking. Besides, most foreigners are going to interact with bar girls, but I've heard stories also about women working in malls, cafes, stores, and even in 7-Elevens, so it's not just bar girls that shit on foreigners.
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Gordon *******
Tachibana Love 💯% correct
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Vikorn ***********
Tachibana Love you meant girls with low income
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Vikorn ***********
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Brook ********
Visit for 6-12 months before making any decisions.

Burning season.

Rainy season.

Hot season.
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Jo ***********
ORIGINAL POSTER
Brook Powers I have done all of the seasons in different areas.

It’s just been 20 years since I was in the visa loop. Thanks for advice
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Jo ***********
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Jessie ******
He won't last long here

No clue

They will love / bang u long time
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Jo ***********
ORIGINAL POSTER
Jessie Bond thanks for your jocular words!

I used to live in Thailand. I’m just out of loop on retirement protocol.

Your helpful words @ least made me smile!
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Jo ***********
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James ***************
Come for a few weeks try different locations and accommodations and see if you like it before making a permanent move.
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Jo ***********
ORIGINAL POSTER
James Reid Patrick been there got the T-shirt! I’m just out of the loop on visas & now I’m in the retirement bracket.
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Jo ***********
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Stewart *********
Don't do it
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Simon *******
Please don't think you will retire in an area that looks good on the Internet, yes come to this wonderful country and rent before you decide where is best for you.

A non O 90 days,then extend it every year is a good place to start.
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Sammy *********
Simon Adams

Very difficult to get a Non O from a Tourist visa.. even agencies are having problems doing this
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Simon *******
@Sammy ********
I never said to get it from a tourist visa they should get a non O before they arrive, and yes agents are still getting non o and bank accounts but they cost
*****
bht for both
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Sammy *********
Simon Adams

And You also didn't mention to him about a Tourist visa he would get upon arrival but only mentioned the Non-O.. Now that you mention it he can get an O-A only in his home country which requires Health Insurance. Non-A can only get in Thailand which will have to be converted from a Tourist visa
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Simon *******
@Sammy ********
You don't get a tourist visa on arrival that's why I didn't mention it DOH!

He should get the Non O before he arrives.
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Simon *******
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Ant ***********
For over 50 years of age 100% easier & cheaper to apply for a Suitable retirement Visa from your home country

When you are ready to come - Apply for a Non-O 90 day Visa from the Thai Embassy in your home country about 30 days before departure.

When applying online you will need to show the required funds in any bank account , some personal details & Flight details & proof of accommodation .

Once approved & arrive in Thailand you have 90 days to organise for the 12 month extension

No.1 requirement is

Within the first 2 weeks one needs to set up a Thai bank account & deposit 800K Baht for at least 60 days to satisfy the extension

Go to the bank of choice & ask them what they require to open a bank account

You can also come to Thailand on a tourist Visa & get it converted to a Non-O retirement Visa for a much higher cost
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Neil *****
Ant W Tailor prob the best explanation I’ve seen so far. So a dtv is more suited to someone younger would you say ?
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Ant ***********
Neil Mac

The DTV has no age restrictions, it’s based on meeting “ soft power “ criteria . I would agree it is targeted mainly for those under 50 .
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Ant ***********
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Michael ********
Ant W Tailor good reply 90% of answers are gibberish
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Jenny *****
Ant W Tailor Thank you very much for your great advice
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Brett ******
Great advice, thanks
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Lorraine *****
Ant W Tailor great response. Can you advise….for a married couple both also in their 60s, can we open a joint bank account and if so, is it 800k each in a joint bank account or a lesser amount because we are doing this together?
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Jenny *****
Lorraine Hof an immigration officer said a joint account needs a doubled amount the cover 2 persons. In that case 800k x2
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Brandon ************
@Lorraine ****
Some immigration offices will not accept a joint account at all. There are also other problems that come with a joint account, primarily that only one person can have the account in an app on their phone, so the other person won't really have access to the account.

You would each require your own 800k, so if your immigration office did accept a joint account, it would need to have 1.6 million as only 50% of the money would be considered owned by each person. I believe accounts are only insured up to 1 million baht in Thailand by the government.
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Ant ***********
Lorraine Hof
@Brandon ***********
Can you assist pls ?
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Ant ***********
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Janice ********
Ant W Tailor Nice reply
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Maria ***************
Ant W Tailor thank you!!! 🥰🙏
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Jo ***********
ORIGINAL POSTER
Ant W Tailor Thank you kindly for taking the time to reply. 🙏🏼🙏🏼🙏🏼
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Jo ***********
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Roger ********
Money
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William ******
Sawadee ka 😂😂
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William ******
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Liam ***********
Easiest way is to look online to the Thai embassy website , it has all the questions and answers that you might need
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Peter ********
Ask you Embassy
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Peter ********
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