What steps should I take to retire in Pattaya, Thailand, regarding visas, banking, and housing?

Jun 19, 2024
6 months ago
Kieran *********
ORIGINAL POSTER
Morning all.

Myself and my wife will be retiring to the Pattaya region form the UK.

Just not sure how to start this, do we get visa's first then property then bank account last.

Or is it easier to employ a legal representative in Thailand.

Cheers

Kieran
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TLDR : Answer Summary
A user is seeking advice on the process of retiring in Pattaya, Thailand, specifically whether to obtain visas, property, and bank accounts in order, and whether it's advisable to hire a legal agent. Comments suggest applying for a Non-O visa in the UK for retirees over 50, using agents for convenience, and exploring short-term rentals before committing long-term. There are debates around the risks of using agents due to potential scams and corruption in the visa process. Several users advise to rent initially before buying property and to consider overall lifestyle before settling in Pattaya.
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Kieran *********
ORIGINAL POSTER
I have another question, if I'm retired and living in Thailand and my UK passport is coming up for renewal after say 10 years, do I have to fly back to England to get it renewed.
Keiton *****
@Kieran ********
Renew it at your embassy.
Gordon *********
@Kieran ********
no my taivisa will do
Harry *********
Don’t feel you need to buy a property . Renting is so cheap in Thailand and gives you flexibility to move . Buy and you’re stuck in one place which , eventually , you might want to move from . Not easy to sell quickly
Kieran *********
ORIGINAL POSTER
@Harry ********
might look into that
Chris *********************
Henrik *****
Start by making a testrun, ex. 60 days touristvisa + 30 day extension, with a budget similar to what you have to live for.

Everyday life can be much different from a short holiday.

Do not use agents, take control of your future life, by familiarize yourselves about the laws and rules relevant to the retirement.
Stuart ***********
1. Non O visa in UK.

2. Bank account in Thailand

3. Take your time, travel around and rent properties before buying

4. Apply for extension of stay based on retirement.

No need to use an agent or lawyers as it's really simple. Using an agent has big risks.

Out of interest, why Pattaya? There are much nicer places in Thailand (unless you want bar girls and you are already married).
Tim *******
@Stuart **********
with all due respect you need to get around pattaya more. most people that live here dont have a room above walking street.
Stuart ***********
@Tim ******
We used to live about an hour from Pattaya, so we visited Pattaya and the islands many times. It has the potential to be a nice place, but is blighted/dominated by the prostitution scene and the inevitable people that attracts. Everyone will have a different opinion on this and all I am saying is for them to consider other places before settling there.
Tim *******
@Stuart **********
nice reply agree
Detlef ***********
@Stuart **********
what are the risks involved with an agent Stuart as looking at similar scenario!
Stuart ***********
@Detlef **********
have a read through the replies here as Martin Home explained the risks before I got to it.
Detlef ***********
Detlef ***********
@Stuart **********
with respect to you , my question was in relation to the pitfall& "" big risks" , as you describe , of using an agent!!???????
Stuart ***********
@Detlef **********
did you read Martin's response?...

They bribe immigration officials, and to find a compliant official often get your visa in a remote / rural office, so you are then tied to that agency until you leave as the local office won't renew. Also the gov occasionally cracks down on widespread corrupt visas.
Detlef ***********
@Stuart **********
yes ! Cheers
Randy ******
@Stuart **********
what are the risks? Scam? Or agents doing something illegal on your behalf?
Martin ******
They bribe immigration officials, and to find a compliant official often get your visa in a remote / rural office, so you are then tied to that agency until you leave as the local office won't renew. Also the gov occasionally cracks down on widespread corrupt visas.
Kevin ******
@Martin *****
right, this is definitely an issue for ppl to consider.
Stuart ***********
@Kevin *****
yes Martin is correct. If the Immigration Officer is exposed then all of the visas they did incorrectly are cancelled. Not worth the risk to save an hours work filling in a simple form and providing a few documents.
Kevin ******
@Stuart **********
absolutely 💯
Lee ******
Why retire with the wife in pattaya 🤔 Have you seen what's on offer at half the price 😉😝 Thank me later
Robert *********
Buy nothing for at least a year
ALi *****
Come and rent first. Decide where you want to be. Travel to different cities and go from there.
Kieran *********
ORIGINAL POSTER
@ALi ****
want to be in Hua Hin
Ron **********
You've already visited Thailand a couple of times hopefully
Ryan ********
Chris *********
Get a agent when you get here. They will sort everything for you. Might cost you something in the region of 35,000bht
Kevin *********
@Chris ********
r you sure is 35,000
Chris *********
@Kevin ********
that's what it cost me. You might get it cheaper
Bob *********
Come to Pattaya with a carry on bag each and visit a few visa agents and get some pricing info. Make sure you can last a few months on a tourist visa with out getting bored
Michael ********
In my opinion get an OA visa from UK first this can last nearly two years and you can use your British bank account for this.

You will have plenty time then to settle set up bank account etc first. Only downside is you need buy insurance from one of the approved vendors but they are on about bringing amounts of that down soon.
Nigel ********
@Michael *******
cheaper and legal
Kieran *********
ORIGINAL POSTER
My brother lives near Bangkok with his Thai wife so I'm hoping this will go in our favour when we retire there.
John **********
@Kieran ********
🤣🤣🤣
Michael ********
@Kieran ********
Well his knowledge will help, where near bangkok ?
John **********
@Michael *******
the other benefit of the OA visa is its easy to get a trailing spouse visa (dependent visa) for your spouse so she doesn't need to show money at all
Les ***********
@Michael *******
The OA requires medical insurance.

The Non O does not require medical insurance.

That way you can choose your own medical.

Not what immigration say.
Michael ********
@Les **********
yes thats what i said about insurance.

But upside of OA is that if after a year or so you find out Thailands not for you. You havent already transferred money into country. Seen lots of people come here through the years and find out its not for them. As i said just my opinion but have seen a lot since 1988.
David *******
There are different ways of doing it but I would suggest you each get a Non O on the basis of being over 50 from the Embassy in London before you travel. You apply online and you get an e-visa.

This will give you 90 days on arrival in Thailand.

If you’re not sure about accommodation just book hotel or short stay in condo to look around. Don’t commit to long term rent until you’ve tried different areas/buildings.

You can open a bank account each when you arrive. They’ve got more strict so you might need to use an agent just to get your accounts. It should cost just under 4000 baht each.

You’ll need to transfer at least
*****
0 baht into each account in order to get your annual extension of stay.

It needs to stay above 800k for 3 months afterwards and can’t drop below 400k thereafter. It needs to be back up to 800k at least 2 months before the following year’s extension.

It might be easier just to leave the 800k in each account.
Brett *********
@David ******
Does this Non-O visa allow multiple entry ? And how does it get from initial 90 days to 12 months?
David *******
@Brett ********
You get an annual extension, so 12 months at the end of the 3 months then 12 months annually from there. You need to have the stated cash in a Thai bank account (or use an agent). You can get a Multiple Reentry permit which allows you to come and go when you like during the 12 months.
Paul *******
@David ******
good advice well done
Kieran *********
ORIGINAL POSTER
@David ******
we are preparing to leave the money in an account permanently and hopefully get a 2nd account for food and bills
Bob **********
@Kieran ********
you’ll each need an account for the visa and can have a joint account for bills
David *******
@Kieran ********
As other reply says you’ll need an account each.
Gregory ********
@Kieran ********
2 separate accounts—one in each name with 800 k in each
Gordon *********
Ask imagration
Steve **********
@Gordon ********
believe it or not, IO's are very receptive to assisting farang.

It's farang telling you to avoid them.
Gordon *********
@Steve *********
agree but that's who make the rules
Steve **********
@Gordon ********
yes they do, and if you follow the rules, you'll have no problem.

Just do it in a Thai way, courteous and respectfully.
Ady ******
Use an agent so much easier and no hassle for yourself
Kieran *********
ORIGINAL POSTER
@Ady *****
that's what we thought as they would be much quicker,
Jeff *******
@Kieran ********
and illegal, not the best start
Colin *********
@Jeff ******
why is it illegal?
@Kieran ********
didn't mention not having the required funds for the Visas, in which case it would be illegal, to get an Agent to apply for the Visas using their own funds which are withdrawn from the applicants bank account once The visa is approved. Using your own funds, using an Agent to open a bank account and do The visa application is perfectly legal.
Ady ******
@Kieran ********
use these they in Pattaya and very good
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