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What type of visa can I apply for as a retired expat wishing to spend 9 months in Thailand and 3 months in Belgium?

Nov 11, 2025
a day ago
Mario *********
ORIGINAL POSTER
Hi. I'm retired this year and would like to stay in Thailand. I want to make a combination of 9 months Thailand and 3 months Belgium to see my kids. June, July and August I would be gone. I can prove I have 65.000 Baht every month but I not have the 800K to put in a bank. What kind of visum should I ask?

Thanks, Mario Belgium
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TLDR : Answer Summary
The user is seeking advice on which visa to apply for, as they plan to stay in Thailand for 9 months while visiting Belgium for 3 months. They meet the income requirement of 65,000 Baht monthly but do not have 800,000 Baht to deposit. The community provided various suggestions, including applying for a Non-O retirement visa based on their income, utilizing an agent for visa processing, and the importance of opening a Thai bank account to facilitate their visa extension and compliance. Key points include the need to demonstrate financial stability and understanding the difference between the visa types and extensions available.
NON-O RETIREMENT VISA RESOURCES / SERVICES
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Stuart ***********
I can see two options for you. 1. If you can get the income affidavit from your Embassy (I think you can, but I could be wrong) that's the best option. Apply for the non-O retirement online at the Thai Embassy before coming to Thailand. 2. Failing that you can apply for a non O-A visa instead, it requires insurance and police checks, but means you don't need to deposit 800k in a Thai bank. When in Thailand you can open a bank account, deposit 65,000 per month and for the next year use that method instead (I think that would work, but someone correct me if not). There is the third option others have mentioned getting an agent to use their money, but that would not be a good idea at a time when banks and visas are being scrutinised. Good luck.
Mario *********
ORIGINAL POSTER
@Stuart **********
Thank you Stuart 😊
J **************
Go to the Thai embassy website in your home country for accurate visa information
Dimitry ***********
Ik stuur je pb.
Dean **********
ļæ¼ I. Bc
Nongnuch ********
the amount of ill-informed people who are not realizing that you, as a Belgian citizen, can use your income as a financial proof both for the 90-days visa AND for the 1-year Extension, , and don't need money in the bank, is astounding

. . .and to add insult to injury, somebody recommended you get those 9 months stay out of visa-exempt entries, which is absolutely irrational, as this person cannot give you any guarantee that you will succeed

(I say you WON'T succeed to make more than two visa exempt entries within a 1-year period except maybe if you don't maximize each stay with a 30 days extension and stay abroad for some time in between the entries)
Andreas *********
@Mario ********
sadly, your thread is only 1 hour old and you have already received a heap of MISINFORMATION and wrong advice . . . . . some people just cannot get their heads above the sand and achieve the knowledge it takes to give CORRECT visa-related advice
Mario *********
ORIGINAL POSTER
@Andreas ********
So what might be or where can I get good advice about my problem Andreas?
Andreas *********
@Mario ********
I MUST CHANGE MY REPLY!! Just had a long talk with the "Visa Guru" about this topic that some offices additionally require you holding a Thai bank account and showing proof of some transfers into it . . . . . FACTS CAME UP: THERE is NO SUCH RULE . . it is EITHER income affidavit OR 12-months of bank transfers, and NOT BOTH
Peter ****************
@Andreas ********
I also read from a 'Visa guru' (Maybe the same šŸ¤·ā€ā™‚ļø) that IF y'r Embassy still issues an income statement, that it's even not possible to use 12 month deposits for the year extension. Besides the 800kąøæ path ofcourse.
Andreas *********
@Peter ***************
yes. It is "either-or". EITHER income affidavit, OR 12-months of proof of transfers. OR the deposit method. I had a PM with Tod Daniels this morning. We see more and more backwater and provincial Immigrations bending the rules, ignoring the official police orders. They seem to be pulling out of their noses random extra requirements. You have the right to file an appeal to the Headquarter in Bangkok
Peter ****************
@Mario ********
Well, look to the (very long šŸ‘) answers of Andreas.

Especially the answer on an income statement from y'r Embassy in Bangkok. That prevents you from putting 800kąøæ in a Thai bank.

However I would open a bank account for sure (with the non imm. O visa) and start transfering 65kąøæ-plus, in that account every month. You can use it immediately after it is in. I mean you need money to live in Thailand anyway ofcourse. This I mention also as a tip because more and more Embassies stop giving such an income statement.

E.g. Canada and I thought Norway already did this year.

Then you have no real problem to get a new year extension should the Belgian Embassy also stop.

Continue this also when you are those 3 months in Belgium.

The route I followed: (8 years already)

Bought a non imm. O single entry

Arranged an income statement from the Dutch Embassy in Bangkok (For Netherlands it's called 'visumondersteuningsbrief' šŸ™„)

Gathered all needed forms for a year extension, like TM7, STM2, etc.

Went to imm. office after 60 days in Thailand and got the year extension for 1,900ąøæ.

(If you want to leave and come back on this extension, you also need a single re'entry permit to keep y'r extension alive. Form TM8 and costs 1,000ąøæ)

Then every year you have to come back to Thailand before y'r expiration date of that year extension and repeat everything concerning the year extension and re'entry permit.

Good luck ! šŸ™
Andreas *********
@Peter ***************
exactly, a very correct warning to all those whose embassies STILL issue income affidavits. We never know what will be around the corner in the years to come
Mario *********
ORIGINAL POSTER
@Peter ***************
Dank je Peter. Eventuele verdere info mag je ook in Nederlands doen. Groetjes Mario
Peter ****************
@Mario ********
Snap ik. I understand, but I think it's nice to stay in English, because of some other respondents.
Andreas *********
Well, there are several roads leading to the 90-days Non-Imm-O retirement visa and to the subsequent ā€œ1-year Extension of Temporary Stay Permit based on retirementā€, which is a long-term stay permit

MIND YOUR WORDING:

In Thailand, you do not apply for the ā€œretirement visaā€ on Immigration, after you have entered Thailand on a 90-days single entry Non-Imm-O ā€œRetirement Visaā€ you obtained through the E-Visa online system in your home country.

When you enter Thailand on this 90-days ā€œretirement visaā€, you get stamped in for a 90-days stay permit. The ā€œretirement visaā€ itself will become invalid or ā€œusedā€. It cannot get ā€œextendedā€. This is technically not possible. It is just wrong wording used by Thai Immigration, for whom a visa and a stay permit erroneously are the same thing.

(I am talking about the most common misunderstanding regarding the rules that come with applying for the ā€œretirement visaā€ and the subsequent ā€œone-year extension of stay permit based on retirementā€. Misunderstandings happen because a ā€œretirement visaā€ can mean 7 different visas and stay permits) but let’s remain on topic.

The best way is to show up in Thailand on a 90-days single entry Non-Imm-O Retirement/over 50 visaā€ as it will get you a 90-days stay permit stamped. Within this period you have plenty of time to arrange for the application to the ā€œ1-year extended stay permitā€.

The MOST IMPORTANT fact is, that entering on this visa-type, enables you to get a Thai bank account opened. If you enter on a tourist visa or visa-exempt, you cannot get a Thai bank account opened any more easily, since February 2025.

There is NO mandatory health insurance or a police record check or a medical checkup required for this visa-type. These are the requirements only, for the application to the 365-days Non-Imm-O/A Longstay Visa, which is a completely different visa-type.

If you have arrived on this 90-days single entry Non-Imm-O Retirement Visa, you can get a bank account opened on it. You will need the account in case you want to convert the 90-days stay permit to a ā€œ1-year extension of the stay permitā€.

You can theoretically fly on a one-way ticket because this visa allows you to receive a long-term stay in Thailand. Some airlines might not accept this explanation and will ask you for an onward travel proof out of Thailand within these 90 days, that’s why you should communicate with them by email and see what they say

In order to apply for the ā€œ90-days single entry Non-Imm-O retirement visaā€ through the online E-visa system at the Royal Thai Embassy of your home country, you can

EITHER

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 your Thai bank account (if you got one), or just anywhere in the World – as long as it is in your sole name

However, for the later application inside Thailand, for the ā€œ1-year extension of stay permitā€ out of the 90-days Non-Imm-O retirement visa, the financial proof is different.

If you are a citizen of a country whose embassy in Thailand does not issue a certified ā€œincome affidavitā€ any more – (these are the embassies of USA, Canada, UK, Norway and Australia) you would need a ā€œ12 months bank statementā€, 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 a certified 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 ā€œ1-year extension of stay permit based on being over 50/retiredā€, at least in the first year

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 ā€œarrangeā€ the requirements, which I, however, do not recommend

As soon as you have accumulated the 12 consecutive months of 65,000 THB transfers, month for month, you can apply for the next 1-year extension of the stay permit, using the 12- months bank statement, in the second year. After being issued the next extension, you can theoretically take the 800,000 THB out of your bank account.

This application to a 1-Year 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.

However, there is a third method, called the ā€œcombination methodā€: A combination mix of income and deposit.

Some immigrations don’t allow the combination method in the first year.

And some Immigrations want the deposit part to exceed a minimum of 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 ā€œnormal methodā€ (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 ā€œseasonedā€ in your account for two months, and this has to be proven with the ā€œbank letter of guaranteeā€ (rab roong thanakan).

After been issued the ā€œ1-year Extension of the Stay Permit based on Retirementā€, the 800K need to remain in the account for 3 more months. After these 3 months, the deposit shall never go under 400,000 THB. And before the application for the next ā€œ1-year Extension of Stayā€, a minimum of 800,000 THB must have seasoned in the account for two months, again.

On the day you get issued the ā€œ1-year extension of stay permitā€, you should buy a re-entry permit for it.

A re-entry permit will keep your stay permit alive and valid 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 can exit and re-enter as many times as you wish during the whole 1-year stay permit period.

Good Luck and a great time in Thailand
Paul ********
@Andreas ********
Confused by your 'theoreticalluly once you've got the one-year extension you can remove the 800,000 from your bank account'..

I thought at least 400,000 had to remain in the bank?
Andreas *********
@Paul *******
read before this sentence: "using the 12- months bank statement, in the second year. After being issued the next extension" . . . . . . . . . once you have changed the financial proof for the application from the 800K deposit method to the 12-months of bank transfer method, and after you got issued the 1-year extension based on the 12-months bank transfers, you can withdraw your 800,000 THB completely
Fortune ************
@Paul *******
Read again, that“s what he says.
Gardar ***************************
Apply non-o based on retirement before you travel give you 90 stay, then when you arrived start open bank and deposit the 800k then walk down to immigration ask for the list for 1 year extension, get that. Before you travel out get a reentry permit and when you return back to Thailand asks again immigration for the list and repeat
Fortune ************
@Gardar **************************
he don“t have 800k.
Gardar ***************************
Paul ********
@Gardar **************************
He said hasn't got the 800k ?
Gardar ***************************
@Paul *******
i oversaw that, apologies
Andreas *********
@Gardar **************************
he doesn't need to show any money in any bank account . . his income is enough to do the financial proof for both the 90-days visa AND for the 1-year extension . . As a Belgian citizen, he can get the income affidavit from his embassy in Bangkok
Gardar ***************************
Chris *********
I would apply for a Non O in your country. Then when here use an agent for your 1 year extension, (a lot will put the money in and immediately withdraw it to get you visa). I used Manareet in soi post office and they are very good. Open a bank account ASAP and start depositing your money each month and next year you can do yourself using that monthly criteria.
Andreas *********
@Chris ********
WHY do you give him any silly advice when you have ZERO knowledge???`. . . . he doesn't need a bank account in Thailand. As a Belgian citizen, he still can get an income affidavit from his embassy in Bangkok. He wrote that he makes more than the required 65,000 THB monthly. . . .WHY would you pay an agent 36,000 THB for fronting the money which he doesn't even need??
Eric **********
@Andreas ********
I am at immigration with the afidavidt … rules have changes this year… you have to prove the income of
*****
bath on your thai acount every month !! And have the afidavidt of course plus blue book or TM 30
Andreas *********
@Eric *********
I just finished a serious interview with Tod Daniels. We spoke about these ill practises of some Immigrations. . . do you want to know what his reply was? . . . . . . . . . . Here: . . . . . . . . . . . . . . . ā€žtotally NOT true

it's a b/s immigration office in Nakhon Nowhere

Bangkok/Chiang Mai accepts the income affidavits from countries whose consulates issue it without question

no proof of funds comin' in,

the reports are from bull shit back water immigration offices and people need to get a spine stand up for themselves and say they want to see that rule in WRITING

I hate that they just roll over and accept anything out of an immigration officers mouth as gospel

they need to say they want to file an appeal

IN WRITING

that they do not agree with that and that they want proof it is a real rule, AND they want the appeal to go to Bangkok to be reviewed

It is sad that people don't stand up for themselves

you have to realize the immigration officers are just low/mid-level paper pushing, passport stamping government workers,

I argue with them all the time when I interact with them, both in person and on the phone if I have to call an office to find out something.

I don't want to be their friend, I want them to get their shit done

I feel so bad for people that happens to

BUT we are seeing more and more consulates here discontinue the affidavit of income service

It's sad when that happens to people out of the blue like that though, they are stuck, they feel powerless
Nick ************
@Andreas ********
you argue with them a lot because you argue with them a lot. Much better just to do as they ask and then you will find there is a lot less arguing and they might even help you.
Andreas *********
@Nick ***********
please be aware that you don't need to argue, you can SIMPLY say that you are filing an appeal. You have the right to file an appeal against a decison an Immigration officer just pulled out of his nose . . . . . . . . the topic was "income affidavit PLUS proof of transfers" - which is against the standing police order. The police order clearly states: It is EITHER income affidavit, OR it is proof of transfers
Chris *********
@Nick ***********
you can see from his first reply to me he wants to argue. Rather than just a polite correction or discuss he goes.all aggressive. He knows everything and if anyone else does it differently they are "Silly" and have "ZERO" knowledge. He's a muppet.
Andreas *********
@Chris ********
if you post nonsense, that's what you have to expect from me: ZERO respect
Andreas *********
@Eric *********
thank you for your report. You are now among half a dozen people who I know have confirmed this change of policies regarding applicants to the Extension of Stay who use income affidavits . . . . . THERE is NO SUCH RULE . . it is EITHER income affidavit OR 12-months of bank transfers, and NOT BOTH
Eric **********
@Andreas ********
I Just went to immigration in hua hin and it s like I said
Andreas *********
@Eric *********
you could file an appeal in writing which they will have to send to the Immigration Headquarter in Bangkok - and they will rule in your favour. There is NO official rule that you need BOTH the income affidavit AND the transfer proofs. The relevant written police order says EITHER - - OR . . why not ask them for a written/printed official police order ?
Nick ************
@Andreas ********
and once you have proved them wrong good luck with any cooperation from them in future.
Andreas *********
@Nick ***********
tell that Tod Daniels, the recommendations came from him this morning šŸ™‚
Chris *********
@Andreas ********
A lot if embassies stopped doing affidavits I didn't know his still did. It's not silly advice so chill out, I said what I would do. Also, it's nowhere near 36k bht and for something around 25k a lit of people do it just to make it easy until you learn more about it yourself
Andreas *********
@Chris ********
he is a Belgian citizen and he wrote that he doesn't have 800,000 THB but that he can prove an income of more than 65,000 THB monthly. The Belgian Embassy Bangkok is issuing income affidavits to their citizens. . . . . SO: he doesn't need an agent, he doesn't need a Thai bank account, he doesn't need 800,000 THB. He doesn't need toilet paper, and he doesn't need your advice. . . . All he needs is the income affidvit and 1900 Baht. . . I called your advice s...y because that's what it is, and we all see that you lack of knowledge, so please refrain from giving people irrelevant advice
Tom ********
@Chris ********
Using an Agent to put the funds into your account and then take them out is highly illegal and they are clamping down and investigating such cases, many have already been caught.
Wim ****
contacteer J&E concierge in pattaya. Ik heb hen steeds gebruikt en ze kunnen alles regelen. je kan best ook je bankstaten Voor echt laten verklaren, dat helpt ook veel.
Mario *********
ORIGINAL POSTER
@Wim ***
dank Wim. Maar met welk visum lom ik dan de eerste maal binnen? Moet ik een retourvlucht nemen? Ik zou in maart vertrekken naar Thailand.
Wim ****
@Mario ********
best gewoon toeristen visa en alles hier regelen.
Wim ****
Dat is het beste, laat die oelewappers die ergens het licht zagen branden maar doen. Moet je zelf maar eens lezen waar je allemaal aan moet voldoen en over hoeveel verschillende documenten het gaat. Neem daarbij dat je de taal niet spreekt, geen idee hebt over hoe het hier officieel allemaal aan toe gaat en dan ga je een visa regelen? Je zal dagen slijten met dit alles in belgistan als je eerst je visa aanvraagt en daarna dagen om alles uit te zoeken en vinden en dan ben je maar 50 euro kwijt en is het bijna tijd om terug naar huis te keren............... Of doe zoals het gaat in pattaya, waar geld niet meer rechtstreeks in de zakken van immi mag gegeven worden en waar de agencies alles regelen en iedereen is blij. Jij want met een minimum aan moeite is alles in kannen en kruiken, immi want ze worden dan vergoed door de agencies, de agencies die ook verdiend hebben en dat kost je dan zo een 500-700 euro. En je neemt de optie multiple entree ( anders moet je elke keer je thailand verlaat alles opnieuw doen als je de reentree niet had geregeld )
Andreas *********
@Wim ***
MIND YOU, Sir! . . . you cannot get a bank account opened any more on a tourist visa! Only a handful of agents have connections to do this, and their "full package" cost a minimum of 60,000 Baht. . . If you are not willing to spend that much for an agent, instead of arriving in Thailand on the correct vis (90-days Non-Imm-O Retirement Visa) and get the bank account opened on this visa, you should NOT advice him to use the agent road for a thing that is not possible any more since February 2025
Wim ****
@Andreas ********
did you see me write that he can open a bank account on a tourist visa? in case you should doubt my words here is the retitment visa extension done with J & E concierge. The good old thai way , because even i had all documents ready immi came up with each time something else to take care off................ and i prefer to pay for all of this than to waste days of returning and waiting.
Andreas *********
@Wim ***
your wording is wrong, you did not "extend a retirement visa" . . . . . your "retirement visa" expired and became invalid when you entered Thailand on it. The only thing you got extended was the 90-days stay permit which got extended for ONE year . . . and that's exactly what this stamp tells you . . I do my "retirement extension" every year, since 17 years, it takes me 25 minutes on my Immigration and 1900 Baht
Wim ****
@Andreas ********
this guy has no experience here, does not know anything and is asking already the most basic info, how on earth is he going to setup all himself? did you do it yourself also the first time alone? Ah yes it is the stay that is extended, holy moly it is a word game now. Ask anyone what it is and everyone will tell you that it is the retirement visa extension because it says retirement, not 90 days visa extension, but pardon me , it is the 90 day visa that is extended for 1 year. But let us all be fair and square, with your experience it will be no problem for you when mario arrives to guide him to the immigration and help him out in about 30 minutes........... and when all goes sour feel free to contact me, as i will help him to get it all officially and legally done trough an agency . I think you are mixing up small offices who just do whatever they can do to make some money, and they use less legal ways. Still what was impossible after feb 2025 according to some people is just the normal way of getting it easy hassle free done.
Wim ****
I do not know what thailand you live in or had visited, but i do live and work here now 11 year. If you want to inform people than at least inform yourself. Opening up all for retirment visa cost first time between 15.000 and 20.000thb if you use an agency, where do you get numbers like 60.000thb??? And as he said he has the means of more than 65.000/month so he can do it all the legal way himself , spend 2 to 3 days of returning and noticing that immi do not realy want to much that people do it themself , because there is no teamoney involved. So at the end you will go to an agency ,pay the little bit of money to them, and they share it with immi and every one is happy. He will spend a few hours of opening bank account and other formalities and done. Also these agencies can " arrange" the 800.000thb if that should be needed, of course for an extra cost ( between 2.000 to 5.000 thb ). And that empty statement of not possible anymore since feb ??? man man man , i had my retirment visa done in june. I could proove all , the monthy income, the savings, insurance proof.............. and than you need to start travelling to have all documents legalised, so i could go for the 1900thb do it yourself in a week or so if you are lucky, or pay an agency who are taking care of everything with a minimum of hassle and fuzz. I paid 14.000thb this year as it was an extension and was done in 2 office visits and they drove me to immi to arrange the visa what took in total 7 minutes. Now if you want to argue and talk bs here than i ask you very friendly to put 1.000.000thb on the table and than lets talk, i have a friend coming real soon and we will do this together, me you and him and after that let us talk again here. I will bring some tissues so you can wipe your tears and blow your nose when you have to depart from your million thb. So my advise, do not be the holier than the pope fool and just go with the flow of thailand. Do it all yourself if you have the time, know where to go, what docs you need, what additional papers, talk the language and the customs, not get upset or agitated when you return the 5th time and still you missed a comma somewhere and pay 1900thb or so. Or go to an agency with whatever visa you are on and let them take care of all of this and all you need to do is sign some documents and pick up your passport with visa without any hassle, frustration and trips to immi and elsewhere.
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