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Answered6 months ago

When does the 90 days on a Non-Imm-O visa start: from issuance or arrival?

Dave ******
asked Apr 30, 2026
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Hi guys. I'm leaving for Thailand in July with the non immigrant O type visa. I'm minded to apply now but was wondering if my 90 days starts from issuance or arrival. Anyone know?
Answer summary
The 90-day Non-Immigrant O visa validity starts upon arrival in Thailand, not the date of issuance. Upon arrival, you will receive a stamp that allows a 90-day stay. It's important to remember that while there are various ways to manage the requirements for extensions, such as financial proof and bank account stipulations, the 90-day period is strictly based on your entry date into Thailand.
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Andrew ********
Andrew ********
Go to a Thai agent

Facebook experts are few and far between !
Dave ******
Dave ******
OP
Andrew Burtonstruck gold with Greg Alexander though. The stuff I already knew he was exactly the same, the rest? I absolutely trust his advice.
Gordon **********
Gordon **********
It’s hard to follow this. So basically if you apply online via the Thai E-Visa for your own embassy for the 90 days Non-Imm-0 Retirement Visa you have to show proof of
*****
baht income per month for original pension / income or show you have
*****
0 baht equivalent in your personal bank account (non Thai bank account) and also show 3 months banks accounts (Non Thai). If Visa is granted you have 90 days in Thailand. If your plan is to extend for 1 year. On this 90 day Visa you should setup Thai bank account asap and deposit
*****
0 baht. Probably easiest. Leave in Thai bank account so it seasoned for 2 months, that’s why it’s important to open Thai bank account asap on 90 day visa. Apply for 1 year extension of stay. Is this via Thai E-visa? Get a single or multi re-entry permit.

Where do you apply for 1 year extension of stay permit. Is it via the Thai E-Visa for your own embassy? For retirement have to be over 50 years of age?
Jay *******
Jay *******
You have 90 days to use the visa which starts on the issue date. If you enter Thailand any time during that 90 days you will be stamped in for 90 days.
Marianne ********
Marianne ********
Your visa is valid for 90 days.

Means you have 90 days to enter Thailand.

Upon entry you will be stamped in for 90 days regardless of how long is left of the validity of the visa.
Greg ***********
Greg ***********
in brief: When you enter Thailand on the 90-days “Non-Imm-O retirement visa”, you get stamped in for a 90-days stay permit. The visa has a 3-months validity to be used for the entry, and the visa itself will become invalid or “used” when you enter. You will be in Thailand on a stay permit, not on a visa.
Dave ******
Dave ******
OP
Greg Alexander so I could apply early so long as my arrival is within 90 days of granting. The two months in the bank and all that malarkey is a separate issue?
Greg ***********
Greg ***********
Dave Owen NO. On most Immigrations, the earliest date to apply for the 1-year extension is up from 30 days before your 90-days stay permit expires. On some Immigrations like Bangkok, Chiang Mai and Khon Kaen, you can apply up from 45 days before. When you use the 800,000 THB deposit method, then on the day you apply that money must have been sitting in your Thai bank account for a minimum of two months, and you need the bank letter that confirms it
Greg ***********
Greg ***********
There are several roads leading to the 90-days Non-Imm-O Retirement Visa and to the subsequent “1-year Extension of Temporary Stay Permit based on retirement”, which is a long-term stay permit

MIND YOUR WORDING:

you do not apply for the “retirement visa” on Immigration after you have entered Thailand on the “90-days Non-Imm-O Retirement Visa” you obtained through the E-Visa online system outside of Thailand.

When you enter Thailand on the 90-days “Non-Imm-O retirement visa”, you get stamped in for a 90-days stay permit. The visa has a 3-months validity to be used for the entry, and the visa itself will become invalid or “used”. It cannot get “extended”. This is technically just not possible. Don’t fall for the 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 for 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 seven (!) different visas and stay permits, but please let’s remain on topic. The most erroneous wording is from people who call the 1-year extended stay permit a “retirement visa” – a mistake that always makes me cringe.

*** The best way is to show up in Thailand on a “90-days single entry Non-Imm-O Retirement/over 50 visa”. It will get you stamped in for 90-days stay permit. Within this 90-days period, you have plenty of time to arrange for the application to the “1-year extended stay permit”.

The 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 since February 2025. Only a handful of agents offer a service around the law, and it costs up from 60,000 Baht and I have already been quoted 90,000 Baht.

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

You will need the Thai bank account in case you want to convert the 90-days stay permit into a “1-year extension of the stay permit”.

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 “90-days single entry Non-Imm-O retirement visa” through the online E-visa system at the Royal Thai Embassy of your home country or any other country, you can

EITHER

use 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.

Most Thai embassies will require 3 months of account statements. You need to check the website of the embassy you will use for the exact info.

ATTENTION! . . .For the application inside Thailand to the “1-year extension of the stay permit based on retirement”, the financial proof will be slightly different. You cannot use any original income/pension documents from your home country.

If you are a citizen of a country whose embassy in Bangkok does not issue a certified “income affidavit” any more –

(which are the embassies of USA, Canada, UK, Norway 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, not missing a single month.

If your embassy still issues a certified affidavit of income, you can use it for the financial proof. You would need a monthly income or pension of a minimum of 65,000 THB.

For British, Canadian, Norwegian, 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 - 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 24,000 Dollar in a Thai Bank account, is paying an agent to “arrange” the requirements to get around the law.

As soon as you have accumulated 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. After been issued the next extension, you can theoretically take your 800,000 THB out of your bank account.

There is a fee of 1900 THB for the application to a 1-year extension, and you can theoretically do it all by yourself. You are free to 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 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 “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 must have “seasoned” in your account for two months, and this has to be confirmed with the “bank letter of guarantee” (in Thai: rab roong thanakan).

After been issued the “1-year Extension of the Stay Permit based on Retirement”, 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 “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.

A re-entry permit will keep your 1-year stay permit alive and valid in case you want to travel around and exit Thailand before the expiry of the extension.

A single re-entry permit is 1000 THB on Immigration. A multi re-entry is 3800 THB. On a multi re-entry permit stamped, you can exit and re-enter as many times as you wish during the whole 1-year stay permit period.

Again, watch your wording, because many people fail in doing so: the re-entry permit is not a “re-entry visa”. It is just a permit.

Good Luck and a great time in Thailand
Kent ********
Kent ********
Thanks for the clear cut advise. I have a couple of months to sort it out so I will see about doing it in Chiang Mai and eliminate the trip to KL.
Kent ********
Kent ********
Greg Alexander Absolutely the clearest explanation I have ever read! I already had a Bangkok bank account and did the 800K transfer on March 17 from US.

I entered on a tourist visa and exited March 30 to Nepal and just got back and entered on a tourist visa 60 days. What would be the simplest way to convert to the 90 days Non O.imm.retirement in your opinion?

ChiangMai immigration or fly to Kuala Lumper? I plan on doing itmyself without an agent and have looked at both websites. I couldn't do it this time since the deposit hasn't had the required 3 months yet. One last question since the deposit was on the 17th do I need to wait till the 17th of June or does the month of March count as a full month towards the mandatory 3 months?
Dave ******
Dave ******
OP
Kent Wrighthow did you get the Bangkok Bank account without a ''full'' visa?
Greg ***********
Greg ***********
Kent Wright there are mandatory three months of account statement only required when you apply for the Non-Imm-O Retirement Visa outside of Thailand. Kuala Lumpur and Penang are known as very complicated by-the-full-book embassy and consulate, and they take a very long time to process an application. This would mean you need to stay in Malaysia until the visa gets issued. . . . . Hanoi and Vientiane are know as easier to handle embassies, and so is Ho Chi Minh. . . .but why overcomplicate it, since you can do it via the "change of visa type" route inside Thailand as well
Greg ***********
Greg ***********
Kent Wright no seasoning proof needed when applying for the change. Only when up from 30 days (or 45 on some Immigrations) you apply for the 1-year extension, this is the moment you need the "bank letter of guarantee" (rab roong thanakan) that confirms you deposit has already been sitting in your Bangkok Bank account for 2 months. The DOWNSIDE BIG DOWNSIDE is, BkkBank has changed their rules. This has NOTHINGto do with the Immigration requirement. Bangkok Bank will only issue this 2-months letter if the deposit was in your account for FOUR (4!) months. But they should offer that you can get the 2-months letter issued if you sign that the funds remain untouched in your account for 4 more months (a 3-months upkeep of the 800,000 is a requirement o Immigration anyways, so that won't bother anybody) . . . . if you run into too many blockades, I would give it asecond thought if it is not worth while to use the help of an agent. You already have a bank account and you are using your own funds, so such a fully legal service should cost no more than 12,500 to 18,000 Baht
Greg ***********
Greg ***********
Kent Wright for the "chenge of visa type" from the 60-days tourist visa to the initial 90-days Non-Imm-O visa, you could do it on any Immigration serving the location where you are TM30 registered, all by yourself, it is not rocket science. You need 15 days left on your tourist visa stay permit in order to be able to apply. You already have 800,000 THB sitting in your bank account, which is the requirement, a seasoning is not needed at this point. You can show an updated bankbook and a small ATM withdrawal and that would serve as proof on Immigration. The only weak point might be the lack of a rental contract . . you need to ask the Immigration where you like to apply. . . . check number 9 on this Immigration website list of "change of visa type" requirements. A .pdf with the requirements will open. Keep in mind that not every Immigration is willing to do the "change" . .this is the website, click on number 9 . . . .
*******************************************
Doc ********
Doc ********
Greg Alexander Thanks for that mate well written so thanks for taking the time to do it much appreciated.

One question I am heading to Thailand in July to start this journey I'm just wondering about the
*****
Bhat deposit every month does that go into the Thai account I set up for the
*****
0 deposit or can I have another account for that?
Greg ***********
Greg ***********
Doc Trevor the transfers can go into a separate account, but also into the existing account where you upkeep the 800,000 THB. The most imporatant part is that you ensure the 65,000 THB transfers are coded in your Thai bankbook as having come from abroad. If you use WISE, they have give you an option to tick the box that you want all transfers coded as foreign transfers. If you use direct SWIFT transfers, these are automatically coded as having come from abroad
Dave ******
Dave ******
OP
Thanks. My extension will be based on marriage not retirement but I catch your drift. Sounds like I can go ahead and apply fairly soon when my latest bank statement is issued and my new passport comes back. I'd rather get sorted earlier rather than later. As a secondary question do you have any experience of Surat Thanni immigration office. I understand Koh Samui has a satellite office, mine will be the actual Surat one.

As for your comment about single tickets I usually go on a one way ticket and blag it or just book a throwaway ticket to Vietnam if it should become problematical, it hasn't thus far.
Bruce ******
Bruce ******
Dave Owen it takes about 4 weeks to complete. So allow plenty of time. You’ll need a police check from your home country etc etc
Greg ***********
Greg ***********
Dave Owen oh, okay. Marriage Extension. Well, here is my prepared texted advice regarding it . . . . . . . . . .The 90-day single entry Non-Imm-O "family" visa and how to obtain a one-year extension of your stay permit based on being married to a Thai wife.

There is the "90-day single entry Non-Imm-O Family visa" option, which you can apply by the e-visa online system before you fly to Thailand.

You must provide a financial proof for both the 90-day visa and later at immigration for the application for a "one-year extension of the temporary stay permit based on being married to a Thai wife."

For the application to the initial visa, you EITHER have at least 400,000 THB (approximately $ 12,000) in a bank account in your sole name. In most countries, the e-visa application requires the upload of three months of account statements

(It is irrelevant for the visa application where the account is located – as long as there is a proof that the account is in your sole name)

However, when applying for the "1-year extension" from out of the 90-days stay permit you get stamped in upon entering Thailand, the 400,000 THB must have been in your Thai bank account for 2 months, and this “seasoning” must be proven with a "bank letter of guarantee" (in Thai: rab roong thanakan).

OR you use the income affidavit of your embassy in Thailand (only if applicable - as many embassies do not issue it any more. These are the embassies of the UK, the USA, Australia and Canada)

In case your embassy issues an income affidavit, you need to provide evidence of an income/pension of at least 40,000 THB (approximately $1200 USD).

For the application to the initial 90-days visa in your home country, you can use your original marriage documents.

However, for the application to the “1-year extension”, Immigration requires a Thai marriage registry printout - the Kor Ror 22 or 2 (whichever applies). This printout must be current, printed freshly by an Amphur office.

This is possible only if your marriage has already officially been acknowledged in Thailand. If you married outside of Thailand and your marriage has not been registered in Thailand, yet, you need to take action. It would require a legalization of your original marriage documents by the Thai embassy in your country, and this has to be co-legalized by the MfA in Bangkok, before you can register your marriage at an Amphur office.

The requirements may vary slightly between every one of the 85 Immigration offices in Thailand, this is why it is recommended to visit them right after you entered and ask for the list of requirements for the "extension of the temporary stay permit based on being married to a Thai wife."

What almost all immigration offices have in common is that they will only serve you if you have been properly registered at your place of accommodation via a TM30 registration.

Immigration normally will issue the "1-year extension of the stay permit" for 4 weeks "under consideration." They will ask for photos of the two of you together in front of your house, with the house number visible, a photo of you in the living room, in the bedroom, etc.

They will ask for a hand-drawn map of the route from your house to the Immigration office, or the Google Maps coordinates.

Some offices require not only the presence of your wife, but also of one witness.

Immigration will pay a visit at your home during these four weeks (with prior notice) and will question your neighbours about whether your marriage is "real."

After this visit, you visit Immigration and collect the stamp with your one-year extension of the temporary stay permit. (EOS)

NOTE: keep the 400,000 THB deposit in your bank account at least until you have gathered up the 1-year Marriage Extension stamp. You are free to spend the deposit, however the 400,000 THB need to be back in your account 2 months prior (some Immigrations ask for 3 months) to your next application for the 1-year extended stay permit.

NOTE: Always purchase a re-entry permit for your EOS.

A single re-entry costs 1000 THB, a multiple re-entry will be 3,800 THB.

The re-entry permit keeps your stay permit valid in case you leave the country. If you leave without a re-entry permit, your EOS will become invalid.
Dave ******
Dave ******
OP
Greg AlexanderI knew some of that but some I didn't and I will probably print your comment off and keep it handy when I'm back over permanently or at least trying to be. We've been married 20 plus years and that was in the Thai registry in Bang Rak in BKK, so all the gubbins about proving a relationship is no problem, although my nearest neighbour was none too thrilled with my pool being built right up to the party wall. Thanks for your kind advice.
Andreas *********
Andreas *********
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