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Answered2 months ago

Will I be taxed on my UK state pension and the 800,000 baht if I live permanently in Thailand?

Colin ******
asked Aug 24, 2026
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Hi i am a non tax payers in uk and the only income is my state pension. I have an o visa and visit thailand 6 months in a year.if I decide to live permanent in Thailand will I be taxed on my small pension. ALSO is the 800,000 baht you have to have in bank also being taxed. Appreciate any help anyone can give me thanks
Answer summary
If you live permanently in Thailand and spend more than 180 days a year in the country, you may become a tax resident and your UK state pension will be considered taxable income in Thailand. The Thai tax laws have provisions regarding the assessment of income, and while your state pension may add to your taxable income, it is essential to know that you can claim certain exemptions. The 800,000 baht required in your Thai bank account is not considered taxable income itself, but any interest earned on that amount may be subject to withholding tax. It is advisable to consult with a tax professional familiar with both UK and Thai tax regulations to understand your liabilities and options.
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Daktari ******
Daktari ******
For first extension, there is no option other than the
*****
0 deposit, seasoned in bank as the UK embassy does not provide the income certification.

May be possible to switch to income after a full year of international bank transfer to the Thai account, but it's risky as a missed month, or late transfer can unravel the whole arrangement. Much safer to stick with the deposit and not touch it.
Vivian *********
Vivian *********
Bull Shit too many scroungers in Thailand they blame the boat people back home they are worse than the boat people.george(Swansea Jack).
Joe ******
Joe ******
Best advice I can give you is to go and see ms Fon and Nan, they will take away all your headaches, even when my retirement Visa expired and my new passport hadn't arrived
Colin ******
Colin ******
OP
Thank you for all your replies much appreciated
Philip *********
Philip *********
No
Ben *******
Ben *******
The answer is no and no
Adrian *********
Adrian *********
The same year the 800k goes in do not stay a full year. If they say mai pen rai. Then definately leave for 6 months. 🤣
MNathalie *********
MNathalie *********
No to both questions
Philip *****
Philip *****
If you spend more than 6 months in Thailand, you’ll pay approximately £600 to £700 per annum on your UK state pension in Thailand.
Mike ******
Mike ******
Your biggest problem is, your State pension will be frozen IF you tell DWP. I did and receive less than 50% of what I should get IF there was a UK Government with any sense of fair play.
Christopher ******
Christopher ******
Mike Bell I know a few who haven’t informed DWP of their living status, my fear would be of DWP finding out & stopping my Pension
Ian ********
Ian ********
When they find out a big fine plus reduced pension until the overpayment is recovered
Graeme *******
Graeme *******
Well if you spend 180 days in Thailand and bring in the pension, then you will be required to furnish a tax return, there are quite excemptions that ate available to you so my guess would be little to no tax to pay. Further the UK has a DTA with Thailand so if you pay tax back in the old country, you will pay nothing here. How you show that you have already paid tax in UK sorry I have no idea, but maybe someone on this site knows the answer.
Kev *********
Kev *********
Graeme Drake I submit a UK self assessment every year. HMRC send me a bill and receipt of UK tax paid.
Graeme *******
Graeme *******
Kev Raymond ok that's easy guess just show the recept to Revenue when you do the return. Mines to complicated so don't worry about DTA with NZ.
Paul ********
Paul ********
Look the Thai government only tax9% of their own people don’t fret over it. I have brought in 10 million baht for the last 13 months from England and pay my personal tax in England. To many accountants saying you need to do a return just to rip you off of your money
Ian ********
Ian ********
Why do people who don’t understand the uk DTA arrangement feel the need to comment.John stammer is correct with his advise .The best advise is to retire here after July so the 800k is not taxed
Siggi *******
Siggi *******
Ian Carman the 800.000 is not taxed as it's not income. Otherwise every transaction for condo sales would have to be taxed by 30% the last problem you have in Thailand to pay tax. 90% of all Thais never payed income tax. And you not have to pay tax on money you bring in, you have only theoretically pay income tax on earnings this year. And noone can proof what is earnings. They don't know what the ladybar or the noodle shop make but you think they can prove what a foreigner earns outside Thailand? And if they would force it by law they must give access to social security same like for Thais. So they will open open this box.
Glennstev ***********
Glennstev ***********
I keep seeing the DTA being mentioned but it doesn't apply to your case...It's only for those lucky enough to have a proper government pension or military pension.not state OAP
Mark ********
Mark ********
Pat *****
Pat *****
Bring the 800k in a year where you re not longer than 179days in Thailand. Or prove that this money was owned before 2024
London *****
London *****
Interest on your 800k wil suffer a small amount of thai tax - auto deducted by bank. You can claim it back if its worth the hassle.

You can avoid thai tax form filling by spending less than 183 days in Thailand per Thai tax year.
Jason *************
Jason *************
London Joe so if you pop out and back every 6 months your fine.
Ant ***********
Ant ***********
London Joe

Yes

The 800K in a Thai bank

Is taxable by the Thai bank its in .
Ally ************
Ally ************
Ant W Tailor Your capital is not taxed.. you just incur withholding tax on any interest you receive.. which is in effect income tax.. that gets rebated if you submit a tax return showing your income is below the tax threshold 😉
Martin ***********
Martin ***********
Ant W Tailor No it is not, the 800k is not taxed, only the interest on it is taxable
John **********
John **********
I find it hard to believe that the state pension is your only income, do you not have savings or investments that pay you interest and or dividends, or other means of supporting yourself?

The full state pension is £12,548 or thereabouts, it counts as assessable income if you bring it into Thailand so that is currently 560k baht per annum. That means that for any year you spend 180 days or more inside Thailand, which makes you a Thai tax resident, you must complete a Thai tax return. Whether or not you will then pay tax in Thailand will depend on the Thai tax allowances you can claim against your income on that money. The same applies to the 800k you bring in but if you time it so you are not tax resident in the year you bring it in there will be no tax other than the withholding tax applied by thai banks on any interest you receive.
Colin ******
Colin ******
OP
@John *********
thank you for your comprehensive answer .No I do not have any investment s and yes some savings so only income is basic state pension .Will try and follow your advice thanks again
John **********
John **********
@Colin *****
interest also counts as income. But any savings you can show you had prior to 2024 can be brought into Thailand without being taxed at all
John **********
John **********
@James *********
your making a basic mistake. Paying tax in the UK doesn't mean you have no tax to pay in Thailand. What the DTA does provide is that when filing a Thai tax return you can claim a credit for any tax already paid on that income in the UK
Sticks'n ********
Sticks'n ********
@John *********
so even on a non o or non oa you still need to complete a Thai tax return?
John **********
John **********
@Sticks'n *******
I guess that's how tax accountants make their money. You need to read the DTA, some UK tax guidance (mostly to work out what qualifies as a government pension) and the Thai Revenue Department website. There are a few accountancy practices that publish guides, but they are only guides.
Sticks'n ********
Sticks'n ********
@John *********
thanks. This is a very complicated subject and I can't find anywhere that explains it fully.
John **********
John **********
@Sticks'n *******
if you bring 120k baht or more assessable income into Thailand in any year you are a Thai tax resident then you need to complete a Thai tax return
James **********
James **********
@John *********
the uk had a DTA with the UK 🇬🇧 a pension is taxed in the UK 🇬🇧 so no he won’t pay any taxes here in the kingdom,,,
Sharon *******
Sharon *******
In theory your 800k could be taxed if you are in country 180+ days so tax resident in the year you bring it over unless you can prove you had the savings pre 2024. In practise it doesn't happen, uk pension may qualify as assessable income when you remit it to Thailand you'll have to study the DTA but again in practice possibly not. There are different allowances depending on the individual which add up & Thai tax bands start at 5% so don't worry too much. Unless you're actually earning money in Thailand the revenue office is generally not interested
Ralph *******
Ralph *******
Sharon Brown You are taxed on income. The 800k is not income.
Ally ************
Ally ************
Ralph Tyson I think the point Sharon is making is that the transfer of 800k into a Thai bank account could be aggregated with any other regular transfers in said tax year.. and the total sum could be used in any assessment for liability to pay Thai income tax.. however, if the initial 800k lump sum transfer is marked as 'funds for visa extension' and that extension actually proceeds.. then i believe it will be exempted from any assessment.. the alternative is to move to Thailand after 5 July in any given year.. so you will not become tax resident by the year end 😉
Ant ***********
Ant ***********
No

Research this subject carefully

Thailand has a dual tax agreement with over 60 countries

My only advice is that

A Thai tax ID , if you want to obtain one , it’s 100% FREE

Many people will try and charge you exorbitant amounts to help you get one !!

Immigration an explain to you

Where & how to get a Thai Tax ID

If you are bringing in large amounts of $$ from your home country , have a business in home country , you may or may not be eligible for additional tax

General retirees with pensions - you will be fine
Nick *******
Nick *******
Ant W Tailor you are wrong. There is no exception. Plus the state pension is less than the tax allowance so he will have no tax in Uk to offset his Thai liability against. He will have a liability for any money remitted, although it will relatively small once allowances in Thailand are factored in.
Doug ********
Doug ********
@Nick ******
..mybstate pension will be over 13k..sona small amount WILL be taxable
Nick *******
Nick *******
Doug Powell so will mine when I can finally take it, in quite a few years, but I reckon they will increase the allowance so UK state pension will always be tax free
John **********
John **********
@Ant **********
the UK state pension is assessable income, there's no exemption for it in the DTA between the UK and Thailand
Ant ***********
Ant ***********
@John *********
Gosh - that’s harsh
John **********
John **********
@Ant **********
yep, it's also frozen so no annual increases either
Colin ******
Colin ******
OP
Ant W Tailor thank yuo

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