Malcolm Pogue it's literally same thing, marriage requires even less money, 400k, both still need to do 3 month reports, so what's your advantage on the retirement one? You lock more money in a currency that's not as stable as the gbp, rather than just locking 400k not touch it as long as you stay in thailand and keep your savings in a british account in gbp, just take cash out, 150thb fee for 30k withdrawn. 5th grade economics. Not to mention british banks offer options to lock those money for 12 months and they give you at Least 3% of the amount yearly, some even more. Ofc in his case might have personal reasons not to get married, but far more better financial wise. Not to mention you need to pay tax to any amount you transfer into a thai bank account, better to pay on £9450 than £, isn't it?