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What should I do if I need a Thai bank account to apply for a Non-Immigrant O-X Visa but can't open one with my tourist visa?

Aug 4, 2025
8 hours ago
Peter ***********
ORIGINAL POSTER
Hi everyone. Thank you Admin for letting me in.

Forgive this question as I'm sure it's been asked a million times but:

I am from the UK want to retire to Thailand and am in a long-term relationship with my Thai girlfriend.

I have been to Thailand 6 times over the past 2 years and now wish to spend summers in the UK and winters in Thailand.

I want to apply for a Non-Immigrant O-X Multi-Entry (5+5) Visa and qualify in all eligibility except the Thai bank account (my 3m bht is waiting to be deposited).

To get the Thai bank account I need a visa (can't open one with a tourist visa).

Catch 22!!

What do I do?
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TLDR : Answer Summary
The user seeks advice on how to obtain a Thai bank account necessary for applying for a Non-Immigrant O-X visa, but is facing challenges due to needing a visa to open the account. Community members suggest alternatives like applying for a Non-Immigrant O visa, which allows for easier access to a bank account after arrival in Thailand. Some also recommend looking into other visa types that may suit the user's retirement plans better.
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.
Stuart ***********
Definitely get the non-O visa instead of OX before travelling to Thailand, because of the reasons Brandon gave. Enter Thailand and ensure immigration stamp you in with that visa. Open a Thai bank account and deposit 800,000 baht in your first couple of weeks. Go to immigration and get their list of requirements to extend your stay for 12 months. Once your money has been in the bank for 2 months, take the documents on the list and extend for 12 months. At the same time buy a re-entry permit, so that you can exit and re-enter Thailand and your visa/extension stays valid when you leave/return. You can repeat the extension every year for 1,900 baht. It's really easy, no need for agents, extending your stay takes me about 45 minutes on average at the immigration office. Good luck.
Ingvar *******
Try first with Visa exempt, today you can stay 90 days and with a trip t/r abroad you can at least one time stay a couple of month longer. Unde this months you can try to planning your future life little more. If you are healthy and rich, Thailand can offer you much.
John **********
Get a 90 day Non-O visa based on being aged over 50, come to Thailand open a bank account and deposit the money and apply for the Non-OX visa inside Thailand (you'll still need the police check & insurance). Alternatively just extend the Non-O for 12 months or get the Non-OA before you travel which gives 12 months multiple entry
Ben *******
Welcome to Thailand where nothing is easy and straightforward for foreigners and you will always be made to know that you're just a farang
Stephen ********
G’day Peter, I came in on a non-o 90 day visa with a single entry, once here, I went and seen Anna’s visa in Hua Hin, their a one stop shop, Thai SIM card as you need this both for immigration and the bank, retirement visa, multiple re-entry, drivers licence and bank account,
Chris *******
Choose another visa, if you want ease and have the money Thai Privilege/Elite

Otherwise non OA doesn't require any money in Thailand (unless you want to extend(

Simplest, cheap, easiest, NON-O 90 DAY.
Bruce ****
Thailand has been freezing Thai Bank accounts

.Due diligence suggested
David *******
When you apply for the none "O" visa at your Thai embassy in your home country you need to show thar you have the required amount in your own currency and has been there for a minimum of 3 months.

Once you arrive in Thailand with your "O" visa then a Thai bank will open you an account.

With your "O" visa you'll get 90 day's which you must open a bank account then you extend those 90 day's to another 12 months.

So deposit your money ASAP and you'll get 15 months on tour first visa.
Adam *********
@David ******
O-X need to have the funds in Thai bank ready prior to application.
Jodie *******
You can search any FB page by the magnifying 🔍 glass at the top of original page.
John *********
It’s not a Catch 22. You apply for your chosen visa in your home country. Apply online, not in person. When you arrive in Thailand, open and fund your Thai bank account.
Peter ***********
ORIGINAL POSTER
@John ********
You need evidence of your Thai bank account with a 3m bht that's been there for over a month!
Spencer *******
@Peter **********
the O retirement is a much simpler route
Brandon ************
These are the financial requirements for a non-OX visa directly from the London embassy website.
Brandon ************
An OX visa requires 3 million baht in a Thai bank account. The only embassy in the world that lets you use money in your home bank account is Sydney. I'm not sure where you're finding this 80,000 baht number but it has nothing to do with an OX visa. The only people who actually use this visa are from Australia.
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