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Should I apply for a retirement visa in Thailand or at a consulate?

Jan 27, 2025
a month ago
Floyd ******
ORIGINAL POSTER
I'm a 77-year-old retired individual I have military retirement and social security I want to apply for retirement type Visa before I go to Thailand if possible should I go to the consulate with the paperwork and get it done there or should I wait and go to Thailand tourist visa and do it in Thailand thank you
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TLDR : Answer Summary
A 77-year-old retired individual inquires whether to apply for a retirement visa before going to Thailand at the consulate or to first enter with a tourist visa and apply locally. Responses suggest applying for the 90-day NON-O retirement visa via the Thai embassy or consulate before arriving, as this allows easier access to open a bank account in Thailand and meet the financial requirements. Many commentators recommend using an agent once in Thailand for efficiency, despite concerns about potential bribes or complications. It’s emphasized that applicants must have 800,000 THB in a Thai bank account to qualify, as the U.S. Embassy does not provide income verification.
NON-O RETIREMENT VISA RESOURCES / SERVICES
  • Go to the Retirement Visa Section for information on requirements, including age restrictions, financial requirements, and necessary documentation.
  • For immediate assistance, contact Thai Visa Centre directly via LINE at @ThaiVisaCentre or Email them.
  • Explore recent discussions by using the Non-O Retirement Visa tag in the search box at the top of the page.
  • Join the Thai Visa Advice Facebook Group to ask your questions, and get advice from others.
Stuart ******
Don't be silly.

They get your
*****
0 and some how you gonna have to fight like hell to get it or some of it .

They know what they are doing with your
*****
0.

Kom, me, we don't have a clue.

Good luck amigo
George’s **********************
This 800,000 does it have to stay in the Thai bank for the entirety of the visa. Or can the bank account holder take it out at some point in time. Then deposit it back when the visa is due for its renewal.
George’s **********************
following
Henrik *****
First read the website of the Thai Embassy in your country, then you probably have to apply online at:

***************************
Richard ********
I too, was unable to open a bank account while there and refused to pay an agent. I have a retirement income of more than ฿65,000.

I returned to the US in December. Before leaving Thailand, I had my 'Medical Exam' completed at a hospital in Ubon. Went online and paid 10,000 baht for a medical insurance policy and $20USD to the State of Alaska for my background check.

Once back in the US submitted everything required online for a multi-entry OA Visa (12 mo) to the Thai embassy in LA (Alaska resident) along with $200 US for the application. Visa approved in 10 business days...
Floyd ******
ORIGINAL POSTER
Thank you
Winston ********
Try the new DTV. Simpler n valid for 5 yeas
Winston ********
Paythe agent 16k Thai baht n you are good to go or 1 year.if yu want multiple entry pay 4k more. Or pay in advance at immigration 1k fo a re-ntry permit as n when needed. I did mine for yeaes hen lwft Thail.and. if in Thailand, you need to do a NonB, 18k for 90 days. Then they will do your 12 month retiree visa for 16k. They will show the 800,000 baht for you but you need an SCB bnk ccount. Aother bank account means extra charges.you dont even need to go to the immigration. Or apply in your home country for NonA visa n agent will do your retiree vsa while you are in Thailand.
David **********
Get a 90 day non o visa before you come and get the retirement visa here
Steve **********
In Thailand now, will return June of next year to live. My situation is unique but I have done a ton of research, for simplicity I would suggest using an agent. Quick, clean and efficient.
Colin *********
@Steve *********
tell us why it's more simple using an Agent.

If you're asking the Agent to use their money and not yours, the money is only in your bank account until the visa/Extension is approved, then they take it out again. What the Agent is doing is paying an illegal bribe to a single corrupt Immigration Official. If that Officer is investigated for any reason and your bank statements don't show that the required funds have been in your account as they are legally required to be, then your visa/Extension would be cancelled.

The Visa application requires documents to be provided. The Agent will still require YOU to provide them with the documents, to lodge with your application, just as you would if applying yourself.

How long would it take you to go to your local Immigration Office and lodge the application? Maybe an hour or two, depending on what time you arrive at the Office. An Agent might get it done in 20-30 minutes because they're paying a bribe to expedite the application. If you are retired and not illegally working in Thailand, what is so hard about getting a few documents together and spending an hour or two in the Immigration Office?
Steve **********
@Colin ********
I did not say not to use your own money, only using an agent is simpler, use an agent using your own money. I trust you know what ASSuming makes you.
Colin *********
@Steve *********
I guess that the 3 Capital letters that you used might apply to some, perhaps even yourself, because I wasn't assuming anything. Just pointing out that there's a l fair number of people who do things illegally through an agent, or recommend that path without spelling it out. All I'm doing is making those that aren't aware of the potential dangers of not using one's own money, whether that be you or anyone else. But I guess that you're at least smart enough to not to admit to going an illegal route.

Still, you didn't answer the question that I posed to you, because of there's an easier way to do it legally than in aware of, I still invite you to enlighten me 🤷🏼
Steve **********
Kenny ******************
Just use an agency. No money in the bank required. Many agencies in Pattaya
Floyd ******
ORIGINAL POSTER
Thank you for the info
Kenny ******************
@Floyd *****
once in Thailand on a 60 day visa, you can go to a visa service agency snd they will take care of everything for you to obtain the 12 month extension based on retirement. All you need is your passport indicating you are over 50 years of age. All Is legit if you use a common, reputable agency. I recommend Manareet Travel and Visa service on soi Post Office in Pattaya. They deal with high volume applications. Everything is legit becsuse the process falls in line with what immigration at the Jomtien office wants.
Floyd ******
ORIGINAL POSTER
But no bank money required?
Floyd ******
ORIGINAL POSTER
Kenny ******************
Not needed. The agency walks you through that bank process. Documentaton is done at the bank showing money deposited with bank book, photos for immigraton, etc. Then walk you thorugh immigration, sign documents, and wait about 2 weeks for your extension, Multiple entry extnsion can be given for extra fee.
Colin *********
@Kenny *****************
you should also tell the OP the facts: that doing this, the Agent is paying a bribe to an Immigration Official to do it this way and if the IO is investigated for some reason, the bribe could be uncovered, resulting in the Visa/Extension of Stay being cancelled and the foreigner being forced to leave Thailand.
Kenny ******************
And immigration won't accept the 800K as legitimate if that money was deposited in Thailand and not having been transferred by international wire transfer. They have to know the source to prevent money laundering. I had a friend who had been deposting money into his account, money he earned while working in Myanmar and coming to Bangkok sometimes to change his dollars into Batht and deposit into his account. The bank wanted to know the source of the money deposited before issuing a certified letter by the bank manager attesting to his 800k in his account.
Kenny ******************
Since the major changes in 2019, the criteria/policies for applying make it a catch 22 situation, which makes it very difficult to apply on your own. First, if applying based on monthly income, you have to submit 12 consecutive Thai bank statements showing monthly income being trasnferred via internationak wire transfer from a known source- government pension, privte penson source, investment source, etc. So, what or where do you hang out waiting 12 months. Cambodia? Philippines? And you must already have a bank account in Thailand in order to transfer the 800k Baht. This requires paying an agent to assist in opening an account. If applying baed on 800k in the bank, well, you still have to go through an agent while on a tourist visa to get the account open, then transter 800k from your home country to your new account. It has to be seasoned for 3 months before you apply. There are some issues with trasnferring that much money out of the U.S.A.. Documents or forms have to be completed and signed in a bank for you to trasnfer that much ($25k or 800k Baht at one time. I know that Bank of Hawaii requires physical presense at a bank branc and requires U,S. Customs or U.S. Treasury documentaton to be completed.
Brandon ************
@Kenny *****************
or just do it the way it's meant to be done. You get a Thai visa from a Thai embassy before traveling to Thailand. There is no catch 22
Kenny ******************
Vast majority of retirees in Pattaya and Hua Hin are using agencies. I did before and know of many who are still using agencies. Too much money going into Chonburi district Immigration hands for them to discourage applying as an individual and not via an agency. They actually prefer agents. Money rolls up hill and the top dogs get a cut, as well.
Mike **********
Come to thialand and get a visa agency to do it all its fast and way better for you . You don't need the headache or stress
Bill ********
E-file....
Steve ********
Do it when you get here. Apply for a tourist visa (60 days) before you come.
Carl *************
Lemme know how it goes
Mark ************
If you qualify for the LTR for wealthy pensioners it is good for 10 years and only annual reporting.
Marty *********
@Mark ***********
Also you can satisfy the health insurance requirement with $100,000 in your home country bank.
Kool *******
Apply for the type O visa before you come to Thailand. As long as you have the equivalent of bt800,000+ in your personal bank account, and a few other details, you get the 90 day visa before you enter Thailand. This gives you the correct visa in order to open a Thai bank account in your name, and then transfer in the bt800,000+ needed when you apply for your one year extension. Without this visa you are going to have a real hard time opening a Thai bank account, and need an agent to do it at a cost of bt6000+ or more. The 90 day visa gives you time to get the money into your Thai bank account,cans have it there for two months before you apply for your one year extension. It is the easiest visa extension to get, requiring the least amount of paperwork. You could hire an agent to do it all, but they cost between bt30,000-bt60,000 each year.
Gordon *******
@Kool ******
can you transfer
*****
0b four times as bank stops big amounts getting transferred out of account in UK .as long as it gets to the
*****
0b
George’s **********************
Go into the Halifax. Sit down with them. Explain the situation. And surely they will transfer 800,000 Thai baht in one lump.. If they don’t, change banks. i think some uk banks are giving an incentive of around £175 if one does their business with them….
Colin *********
@Gordon ******
are you still in the UK, as your profile shows, or are you already in Thailand with the intention of applying for a 'Retirement' Visa from within the country?

If you are still in the UK and don't yet have a Thai bank account, you would be better to apply for the visa through an Embassy or Consulate there, as you can use your funds in your UK bank account as 'proof of funds', for the initial visa, then enter Thailand on that visa. It just makes it easier to open a Thai bank account if you already have the long term visa.

If you are already in Thailand and have a Thai bank account, then the answer to your question is yes, you can transfer 200k Baht at a time, as long as you have the minimum of 800k Baht in your Thai bank account a full two months before you apply for the first one year Extension of Stay.
Gordon *******
@Colin ********
no still in UK .I was just wanting to no if it's got to be a
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0 b lump or four lumps of
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0 b .then when in bank I shall apply .would you no if it's ok on this way as the end of the day I have reached the
*****
0b
Colin *********
@Gordon ******
do you already have a Thai bank account? Then yes, you can transfer the funds in 200,000 baht lots if your UK bank limits how much you can transfer at one time. I have no idea if your UK bank has a limit on how often you can make those transfers though. I guess every country and bank makes it's own limits.

As I pointed out in my previous reply to you, if you don't already have a Thai bank account, it would be best if you got your retirement visa from the Thai Embassy in the UK, which will make it much easier to open a bank account when you arrive in Thailand and then you can hopefully get 4x 200,000 Baht transfers done two months before you would apply for your first 1 year Extension of Stay.
Gordon *******
@Colin ********
thanks.thats easy to follow.yes you were right my Halifax bank stops me doing big transfers.thanks again
Terje ***************
@Kool ******
You don't need 800.000 baht in a bank account to get one year extension on a non-o retirement visa. All you need is proof of at least 65.000 baht income every month. I just got my extension and don't even have a bank account in Thailand.
Colin *********
@Terje **************
does the Embassy in your home country still do Income Affidavits? That would be the only way around not having 800k Baht in a Thai bank account. Most Embassies don't do Income Affidavits anymore.
Terje ***************
@Colin ********
Yes, my country does. But as I replied to Kool, both proof of income and bank deposits are accepted. How many countries that do affidavits I have no idea. But Kool's statement was that ONLY bank deposits are valid, and thats wrong. And still he call my statement bs...
Colin *********
@Terje **************
I'm not going to claim to be an expert or close to it. I can only say what I've learnt on reading countless comments on hundreds of posts in, I think 3 Fb groups over the past two years, taking my knowledge mostly from Moderators who know there stuff and a few who seem to consistently provide information backed up by a number of others. As many will know, and moderators point out, among the 80 something Immigration Offices, there's always some that decide to make up a rules for themselves, which isn't consistent with other Offices, or the official Immigration laws/rules. Personally, from what I've seen
@Kool ******
provides very good accurate advice and I would tend to think that the Immigration Office that you deal with, has one of these 'exceptions to the rule', because I've never heard of anyone not having had to open a Thai bank account and have money as "proof of funds" go into that account, whether it be the full amount of funds, or monthly income. It certainly would be helpful to foreigners, if those high up in Thailand Immigration were to instruct all Officers in all Immigration Offices across the country to follow the rules/laws and not make up their own rules.
Terje ***************
@Colin ********
I'm no expert either, but my experience is the opposite of yours. I'm a member of several groups regarding visa issues in Thailand, and although I also have noticed the same as you, that officers interpretation varies, the admins and moderators who has been living in Thailand for decades says that for an extention of stay, the general rule are that a proof of income is more than enough. They do have encountered officers who claim you have to have a bank account too, but then they just went to another office in the region and got their extension there. Bank account are in other words the exception to the rule. But there is one thing many people do wrong, and I made the same mistake; Always bring the original affidavit from the embassy. Immigration will not accept a scan/copy!
Kool *******
@Terje **************
quit lying. Even if what you say was true concerning monthly income, immigration only accepts Thai bank statements, and without a Thai bank account you could never prove it to immigration. I call BS. You are talking out your ass
Terje ***************
@Kool ******
No they don't. I literally got my 1 year extension a few days ago. NO BANK ACCOUNT. So you're the one talking bs. Now, I acknowledge that there might be exceptions. But the general rule is proof of income OR bank account. Not both.
Hubert *********
@Kool ******
I have been doing visa extensions for 15 years now and use the proof of income ( affidavit from my embassy ) and no IO ever asked for my bankbook .😁

I have a visa OA .
Colin *********
@Hubert ********
if the Embassy in your home country still does Income Affidavits, then you're fine. Embassies in most countries these days don't provide them anymore. The OP is from the USA and Embassies there haven't provided them for a few years, maybe 3-5 I believe.
Kool *******
@Hubert ********
not every country's embassy offer wage certifications anymore. The US does not. The EU does not, Australia does not. Canada does.
Nongnuch ********
@Kool ******
EU embassies in Bangkok all issue income affidvits. Except the embassy of U.K.
Tom ***********
I’m getting confused; and that’s easy, is there a long term visa for over 50’s that does not need health insurance?

🍻🥸
Jeff *********
@Tom **********
not the O visa
Colin *********
@Tom **********
Non-O doesn't require health insurance as already mentioned, but the Non-OA visa does require health insurance as well as other requirements the standard Non-O doesn't. That's where a number of people get confused, especially if someone doesn't provide full details
Todd *********
@Tom **********
yes. Non immigrant O-Visa for over 50. Can only be acquired IN Thailand though
Kool *******
@Todd ********
actually you can apply for the actual 90 day type O visa outside of Thailand. You can only apply for the one year extension inside Thailand.
Todd *********
@Kool ******
good point! Yes
Kool *******
@Tom **********
the type O visa extension does not require insurance
Chang ******
Just come to Thailand 🇹🇭 applying here in Thailand its easy and fast just put
*****
0 thb in Thailand . your all set

Or you can hire the agent .

They can do real quick for about
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thb
David ******************
£19,150.
Stuart ******
You see how easy the thai government makes it to do almost simple commonsensical things.

And then an agent gets involved and more money paid out.

That
*****
0 used to be
*****
0 but they hope you kick the bucket and then they will confiscate your account.

It's like putting your head into the giant crocodiles mouth and hoping he already had lunch.

Seen that show. Only well trained croc caretakers get out alive.

Good luck or CHOKDII. You gonna need it
Matthew *********
Ken cameron-My bank in America. Navy federal. I have in CDs. My Bangkok pays almost nothing. My bank CD allow up to
*****
0 dollars at 5.2. I locked in 2 yrs ago at that rate. It's drop to 4.6 for new accts
Andy ************
@Matthew ********
yep same here it’s been good. Let’s watch the feds next move
Neil **********
@Stuart *****
ooh, nice cynical response Stu, with truth. I'm 77, with some health problems, never thought about the kicking the bucket //Thai govt stealing your money angle. Maybe my dear Thai wife can withdraw before I'm actually dead (he says seriously with a grim black humorous grin)
David ******
@Neil *********
that is a plan
Stuart ******
@Neil *********
sorry to be an alarmet but some of the stories about dollars and demise can do that to you.

Be careful and goodluck
Matthew *********
@Stuart *****
that's why it's worth paying agent. Thailand know that most embassy are not certifying income anymore. It's a ploy to make you deposit large sum with no interest. I won't reward the bank. I make enough off interest on my money to pay agency and keep my money secured in American bank gaining 5 percent
Ken *********
@Matthew ********
Would love to know which bank gives you five percent interest?
Michael *******
@Ken ********
we get 2.5% from SCB in Thailand, only slightly better options with UK banks right now and thats with higher withholding tax than here
Gordon *******
@Michael ******
💯 correct

About 4.5% minus your tax status now in UK
Nick ************
@Michael ******
Wise pays 4. Something but is not a bank. I'm not sure if I would trust them with a large sum.
Michael *******
@Nick ***********
great for transfers….😊
Nick ************
@Michael ******
works well for me.
Stuart ******
@Matthew ********
right you are about keeping your money
Jeff *********
Easy to do when you get to Thailand, then the mandatory insurance isn’t required.

As long as you have the 800,000 baht. Good luck
Brandon ************
Alternatively, if you don't want to keep 800,000 baht in a Thai bank account in Thailand, you could apply for the 1-year non-OA visa from the Thai consulate online. This visa has higher requirements but no money in Thailand requirement. You'll need mandatory health insurance from a list of Thai insurance companies, a health exam, a criminal records check, etc. But you can get 2 years in Thailand from one OA visa if you buy another year of the required insurance and then leave and return to Thailand right before the visa expires. You would need to return to the US every 2 years to apply for a new OA visa though.
Ken ********
@Brandon ***********
can't it be done by income nowadays Brandon, or , is that available after 12 months.
Brandon ************
@Ken *******
If you want to use non-O then you either need embassy certified income or 800,000 for the first year. After that you can move to income if your embassy does not verify.
Ken ********
@Brandon ***********
cheers Brandon, all good to know.

A big thank you to you ,Tod and everyone else who advises alongside you 2.

You do an excellent service I'm sure it's very much appreciated by all. THANKS
Brandon ************
First of all, you cannot go the consulate. All visa applications are now done online through the e-visa system, and foreigners are no longer allowed on the property of the Thai embassies/consulates.

****************************


Your retirement and social security don't matter, because the US Embassy in Thailand does not provide income verification. The only way for you get a visa in Thailand or to get an extension will be 800,000 Thai baht in a Thai bank account in your name.

This bank account will be nearly impossible for you to get if you travel to Thailand as a tourist, as the banks do not give bank accounts to tourists. Since you must have the money in the bank already in order to apply for the retirement visa in Thailand, you will end up paying an agent to help you open a bank account if you travel to Thailand as a tourist.

It's better if you get the 90 day non-O retirement visa before you travel to Thailand, and with that it will be relatively simple to open the bank account and deposit the money you will need in order to apply for your first 1-year extension.
Floyd ******
ORIGINAL POSTER
@Brandon ***********
if I marry a Thai lady can the bank account be a joint account?
Brandon ************
@Floyd *****
You would need to check with your immigration office. Some might accept a joint account while others will not. But if they accept a joint account it will require double the required amount of funds since only 50% of the money is yours.
Kim *********
@Floyd *****
if I may butt in : no it can't - in your name only
Floyd ******
ORIGINAL POSTER
@Kim ********
thanks but that's a rip off unless the bank honors a will
Neil **********
@Brandon ***********
very good answer. My small quibble re: "relatively easy to open bank account". Went through that not too long ago in Ubon, was not so "easy" until I got married, even then not so easy. From MY experience, and what I've seen on threads here, lots of folks get jerked around in a rather hit or miss, arbitrary, depends on the bank or clerk's mood, type stuff . Cheers
Thomas *******
@Neil *********
went through the same in Nong Khai with 90 day non-o Evisa. They had never seen the visa before, so they had a tough time accepting it. Turned down everywhere until a nice lady at Krungthai bank helped me out. Biggest drawback with Krungthai is you can only move 49,999 baht per transfer.
Tom ***********
@Thomas ******
is competitive interest paid by any bank on the deposited amount?
Neil **********
@Thomas ******
exactly Tom. They "had never seen the visa before", LOL. We finally succeeded at Bangkok bank with my clever talking Thai wife, plus a little bribe of buying some BS accident insurance for a year
Chang ******
@Brandon ***********
Best answer Barandon
Colin ***********
I had heard that if you apply outside Thailand you can provide verification of income via a bank statement. Is that correct? The downside is that you have to provide proof of health insurance and insurance at our age is expensive and not worth the paper it’s printed on.
Graham ******
@Colin **********
The health insurance requirement is for a Non-OA Visa not the Non-O which Brandon is outlining. Both these Visas require financial proof which can be via your foreign bank account statement.
Michael *******
@Colin **********
only if you apply for Non O-A , better to apply for O visa on line in home country then the retirement O visa when you get here provided you can show the 800k in Thai bank….
Tom ***********
Following 🥸
Colin *********
@Tom **********
I would suggest reading all the comments. Some will do things the legal way. Others will do things an illegal way,which, down the track, could have serious consequences.
John ********
@Colin ********
Oh WOW! Tell us all about the “illegal” way so we don’t do that.
Colin *********
@John *******
is that a serious question? I think from your reactions to my comments, you're just being a smart*ss‼️
John ********
@Colin ********
not unlike you‼️
Kel ********
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