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What are the costs and requirements for obtaining a Retirement visa in Thailand for foreigners over 50?

Feb 10, 2025
11 days ago
Ali *******
ORIGINAL POSTER
Hello

About how much will be required for a Retirement visa for a 50 + foreigner with Immigration and visa agent charges?
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TLDR : Answer Summary
To obtain a Retirement visa (Non-Immigrant O visa) in Thailand, a foreigner aged 50 or over must meet certain financial requirements, which include either a monthly income of at least 65,000 THB or a deposit of 800,000 THB in a Thai bank account. The costs associated with the visa process typically include application fees (around 2,000 THB for the visa and 1,900 THB for the extension) and additional charges if using an agency, which can range from 25,000 to 30,000 THB for the first 15 months. Renewal fees for subsequent years vary and can be around 10,000 to 12,000 THB. It's emphasized that the process can be handled independently to avoid ongoing agent fees.
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.
Jonny *********
It's not that difficult to get a retirement visa/extention. It is actually the easiest visa to obtain without alot of hassle. All you need is money in the bank (800K) or confirmation of 65.000 Baht monthly income. A leasing contract for your recidence, and your passport. Done in less then a day
Paul *********
Get OX before you leave your home country
Greg ***********
@Ali ******
the VERY IMPORTANT part now is, on February 1st, Thai banks introduced a set of new rules, making it impossible for people on tourist visa or visa-exempt stamps, to open a bank account, even NOT by help from an agent. SO, BE WARNED !!! You better arrive in Thailand on a Non-Imm-O visa issued in your home country. DON'T show up on a tourist entry, unless you already got a Thai bank account!
Brandon ************
@Greg **********
if that was true, visa agents in Pattaya wouldn't be taking new customers because they wouldn't be able to get them an account to convert their tourist status to retirement, yet they're gladly taking new customers. Just saw someone post a price sheet they got after visiting TikTok in Pattaya yesterday and sure enough they're still offering retirement visas.
Greg ***********
@Brandon ***********
until next notice
Greg ***********
@Brandon ***********
. . when it is over, it is over, Sir
Greg ***********
@Brandon ***********
and pray tell, what does this mean, and why have Maneerat und Mot's confirmed opening bank accounts on touristic entries, and applying for in-country 90-days Retirement Visa is NOT POSSIBLE any more, even if you buy their package? I am sick of being confronted with doubt, when I post 100% reliable info . . . . . stop that, please! I got my sources, reliable sources. I DO NOT and NEVER post the usual Facebook perp bullshit
Greg ***********
@Brandon ***********
and the same person who posted the price sheet from Tik Tok, wrote that people on tourist visa entered the office, wanted bank accounts opened, and Tik Tok told them they can't do it any more . . you maybe missed this part! The agent in Pattaya I know told me the same
Michael ********
25,000 baht for a single entry, 29,000 baht for a multi entry visa for the first year. Maneerat Soi
****
Pattaya.
Gorgon *****
Exactly the info I had been looking for...well done
Andy ************
Visa is 2000 baht, extension is 1900 baht. For those who are so helpless they need someone to hold their hand, about
*****
baht! 😆😆
Deb ********
@Andy ***********
Or those with money...
Andy ************
@Deb *******
Those with money would get the LTR visa
Henrik *****
Take control of the new life, and do it yourself, it isn’t rocketscince, and you will save the agent fee.

No need to support corruption.
Deb ********
We got this from Tik Tok services today, it includes their fees.

Looks like a non O with multiple entry is the way to go.
Brandon ************
@Greg **********
see? Still offering bank accounts and retirement visa conversions as of today.
Greg ***********
@Brandon ***********
the agent I know ushered that they hope banks for make a turnaround when they see that their revenue is sinking. A similar move had happened way back in 2023, it lasted for two months, after that banks went back to the old rule
Greg ***********
@Brandon ***********
that's the OLD odd price sheet. No more bank account opening possible on tourist visa since Febraury 1st. They cannot service any demands. You need a Non-Imm visa class to open a bank account
Brandon ************
@Greg **********
the op clearly says it's from today. And they couldn't offer retirement visa at all if they couldn't open a bank account.
Greg ***********
@Brandon ***********
did you read the other poster - he was inside the office and witnessed Tik Tok telling people on tourist visa that they are unable to open bank accounts for them
Brandon ************
@Greg **********
but they can magically open accounts for people on tourist visa that want a retirement visa? It's just about money
Greg ***********
@Brandon ***********
if Immmigration doesn't insist that the applicant has an account at all, yes, money makes it possible. Immigration is in bed with the agent
Brandon ************
@Greg **********
that's not how agent retirement visas work.
Greg ***********
maybe THIS is why ?
Andy **********
@Greg **********
Brandon Thurkettle the issue with agents in Pattaya opening bank accounts, apparently it's Bangkok bank, they are now saying you can't open a bank account on a short-term visa if you are under 50 years old, I believe some agents can still open an account regardless of visa status or age, but apparently things have changed a lot even just in the past few weeks.
Greg ***********
@Andy *********
is what I am saying
Greg ***********
@Brandon ***********
what would you say about this comment ( written a few hours ago) ?
Brandon ************
@Greg **********
like I said. They can do it clearly. They just won't do it for people who aren't willing to shell out for the visa too. It's all about money.
Greg ***********
@Brandon ***********
it is like I said - no more bank accounts on tourist visas or visa-exempt entry, and no more "greased" Non-Imm-O retirement visa
Greg ***********
@Brandon ***********
same with Mot's
Greg ***********
@Brandon ***********
it is definitely not possible any more
Greg ***********
@Brandon ***********
give them call. I guess they will confirm what I am saying
Greg ***********
@Deb *******
so actually using Tik Tok in the first year, you need 35,000 THB for the first 15 months visa & extension, because you need the bank account (!) and then top up with either 1500 or 4500 THB for a re-entry permit. And ech yearly renewal costs 15,000 THB plus the re-entry permit
Deb ********
@Greg **********
Yep. That sounds about right. That's the no hassle way. I'm sure it's cheaper if you want to do it yourself and I've heard that's all good until something goes tit's up.
Nongnuch ********
@Deb *******
there are no multi entry Non-Imm-O visa any more! There are only 12-months extensions of stay permits for which you must buy a multi re-entry permit for 3800 Baht
Deb ********
@Nongnuch *******
it's 15 months actually.
Nongnuch ********
@Deb *******
it's 3 months visa and 12 months extension = 15 months. You can buy a multi entry permit for both, but it doesn't make much sense to buy a multi re-entry permit for the 90 days stay permit. It rather is advised only if you plan to exit Thailand more often than three times during the 12 months extended stay permit. If you plan only two holidays outside of Thailand during this period, then buying a single re-entry permit each time before you exit, is more economical
Lim ***********
@Deb *******
thanks for the list. Do you have contact details for this firm?
Deb ********
@Lim **********
***********************************
Ant ***********
@Deb *******
Thanks for sharing these costs

I’ve started shopping around

First one I visited was higher than that đŸ€©
Deb ********
@Ant **********
We did quite a bit of research before we came and this firm stood out. After visiting them we felt very confident they knew their stuff. Some tourists walked in wanting to open a bank acct but they refused them saying the law had changed a week ago and they didn't qualify.

Here's their details, they're in Jomtien, southern end

***********************************
Ron ********
Visa agency around 25-
*****
b for 15month.

Then you have to go the same way evry year about 10,
*****
b for renewal.
Matthew *********
@Ron *******
you can do it yourself on year 2 . What's make it mandatory to using the agent. I did it myself on year 2 my first time after using agent. I used agent again after leaving for medical emergency but no need for second year if I don't want to.
Greg ***********
We are talking about the most common and persisting misunderstandings regarding the rules that come with applying for the “retirement visa” and the subsequent “one-year extension of stay permit based on retirement”

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

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,

you can use the proof of income of a monthly minimum of 65.000.- THB, by using your original pension or other income documentation.

Or you 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 a Thai bank, or just anywhere in the World – as long as it is in your sole name

However, for the application inside Thailand, for the “1-year extension of stay permit” out of the 90-days Non-Imm-O retirement visa, if you are a citizen of a country, whose embassy in Thailand does not issue the “income affidavit any more

(these are the embassies of USA, UK and Australia)

you would need proof by 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

If your embassy still issues an 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 “one year extension of stay permit based on being over 50/retired”

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 a hefty sum (mostly in the range of 30.000.- THB) to “arrange” the requirements (which means bribing an Immigration officer to look the other way)

The downside is, you will get stuck with the agent for a while. You will have to pay to get an agent to help with bank account.

Then you will need an agent to fix your 800k issue. You will be trapped in the agent’s hamster wheel.

To qualify you will need the 800k fronted by the agent the first year and simultaneously deposit 65k per month for 12 months without fail, to qualify the 2nd year for income method.

If you use an agent you will not qualify for the 2nd year as you did not have the money in the first year . . . . So will use an agent, again and again.

The only way to escape the agent’s wheel is:

As soon as you have accumulated the 12 consecutive months of 65.000.- THB transfers (and this will be some time during the second "agent-year") all you need to do is exit Thailand without a re-entry permit. This will kick the agent from the plate.

By this you will invalidate the current "1-year extended stay permit". And once you re-enter Thailand "visa-exempt", you will get stamped in for 60 days. You can then immediately apply for the "change of visa type" from the "exempt entry" to the "90-days Non-imm-O retirement visa" all by yourself, using the bank statement proof of income of 12 months transfers.

This application costs a 2000.- 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. And 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 Immigration want the deposit part to exceed 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 Extension inside Thailand):

On the day of application to the 1-year extension, the 800.000.- THB need to have “seasoned” in your account for two months, and this has to be proven with the “bank letter of guarantee” (rab roong thanakan).

After been issued the “Extension”, 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 your 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 for it.

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

ATTN:

There is another road to the “1-year ‘Extension of Stay based on retirement”

You can arrive visa-exempt or on a 60 days single-entry Tourist Visa, you will get stamped in for a 60 days stay permit.

You visit Immigration and show them a bankbook with proof you got 800.000.- THB in sitting in your bank account, and a proof that this money came from abroad.

This must have either been organized during a previous holiday, or a bank account needs to be opened ASAP, and the money transferred from your abroad account onto you Thai bank account ASAP

You apply for the “change of visa type” from the touristic entry to a “90-days Non-Imm-O retirement visa”

To be allowed to apply you need a minimum of 15 days left on your entry stamp. And you need to show a rental contract, at least on most Immigrations

They will issue the visa for 14 days “under consideration”

After this period, you pick up the 90-days Non-Imm-O visa stay permit stamp

ATTENTION: if you plan to reside in Pattaya and use the Jomtien Immigration, you should be aware that they make up their own rule, which differs from the official police order.

Jomtien Immigration requires a 2-months seasoning for the application to the in-country initial 90-days Non-Imm-O visa!

That's why it is always better to apply for the Non-O visa in the e-visa online system in your home country before flying to Thailand

From up to 30 days (in some places 45 days) before the 90-days stay permit expires, you can apply to the “1-year extension of stay based on retirement”

The financial requirements for this application are the same as explained above.

You can find the requirements when you google for “change of visa type immigration Thailand” and click on the number 9 in the list

Good Luck and a great time in Thailand
Matthew *********
@Greg **********
that was the most thourough explanation ever.. but I would suggest for people that have huge savings or large 401k or in my case large CDs drawing 5 percent or more that it is smarter in the long run not to use the
*****
0 method of holding up funds for almost a half year. Thai banks don't pay any real interest. Let your interest pay the agent and just Hassel free.. well worth the money to pay somebody that the money actually goes to support someone living and don't have to play the game and hope you some female on her period or dude hungover and wants to take it out on you. Rules are based on someone attitude of the day rather than a national standard like in Japan or Korea. Money is king in this country and it's what keeps the wheels greased
Wayne ********
@Greg **********
ïżŒ best explanation that I have ever read and the most thorough. Every moderator should cut and paste this response so every question that it comes across their computer asking about non-o retirement visa, they could answer it by simply pasting your response. Very good.
Wayne ********
@Greg **********
we’re talking the same language, my friend. I might have to check the book out.
Greg ***********
@Wayne *******
yet some people in the groups love to pay 32,000 THB bribe money to circumvent the rules
Wayne ********
@Greg **********
that’s because most of them want to eat the steak for dinner, but can only afford a hamburger. In Texas we call that a guy that’s all hat and no cattle.
Greg ***********
@Wayne *******
😂😂😂 Like in Amarillo . . ."everybody wears a cowboy hat, but hey they don't own any cattle, not even a horse" . . . . . I am reading Kaplan's "An Empire Wilderness" at the moment . . . . an old book written in 1998, almost everything he assumed would America's future be, became true! The part with the cowboy hats I just came across 2 days ago
Garry *******
@Greg **********
excellent info and very concise, thanks for your effort.
John ******
@Greg **********
may I ask you sir

WHAT are the requirements for a 90 day non o visa from Uk to Thailand ?
Greg ***********
@John *****
Application to the 90-days Non-Imm-O, requirements for

*** retirement visa:

either

a minimum of 800,000 THB or equivalent in GBP in any bank account anywhere, in your name

or

proof of monthly income of a minimum of 65,000 THB or equivalent in GBP. Can be proven with original British income documents

*** family (married to a Thai) visa:

either

a minimum of 400,000 THB or equivalent in GBP in any bank account anywhere, in your name

or

proof of monthly income of a minimum of 40,000 THB or equivalent in GBP. Can be proven with original British income documents

ATTENTION: for the application to the 1-year extension of stay, for both family and retirement, on Immigration inside Thailand

*** as a British citizen you CANNOT use the income proof, at least not in the first year, because the U.K. embassy does not issue an affidavit of income.

You will need to use the 800,000 THB in a Thai bank account deposit proof
Sue **********
@John *****
all requirements for all kind of visa should be mentioned on the Thai Embassy website of your homecountry

******************************************************
Todd *********
@Greg **********
very true. Or just pay a reputable agent roughly 35k baht for 15 months and enjoy your life. And also save all that time at immigration and bank
 and lost money from the 800k deposit in Thailand.
Peter *********
FT result: Greg - Todd 0-7
Ziggy ********
Greg ***********
@Todd ********
didn't you read it? I mentioned the agent route! Why would you care about "lost" interest, do you not have enough money, then don't come to Thailand
Todd *********
@Greg **********
I doubt anyone read it. But if bored out of your mind and standing in immigration line it might pass the time.

Why would I care about the lost interest? People don’t tend to get wealthy by being financially foolish or naive. I make an easy 8.25% on CD’s in Mexico. So over 64,000 annually. 640,000 per decade. And about 2.5M not including compounding over a long retirement.

And 30k baht is a ‘hefty sum’ for you lol? If you are that poor, don’t come to Thailand son. I like your enthusiasm though.
Greg ***********
@Todd ********
the 1 million Baht also is a good deposit in case of emergency. Just think of these many stories about Thai health insurances refusing to pay the hospital bill. Do you like to open a Go-Fund-Me page? Go ahead
Todd *********
@Greg **********
sure - great. But if you don’t have a credit card with a few million baht limit, your probably aren’t doing it right anyway. No need for a million in dead money. That’s just silly. You can bring it over and invest in the SET with no capital gains tax though. And use your CC for any emergencies. Better option
Greg ***********
@Todd ********
I don't care, I got 1 million THB on my bank account since 16 years, get my 1-year extension within 20 minutes for 1900.- THB. Why would I care for money that buys peanuts and support corruption?
Todd *********
@Greg **********
because it’s financially smart. But that’s not for everybody. And hey, who doesn’t love supporting good local business. Oh ya
 you.

So on that million - I would be making 80k interest annually. And getting renewal visas for 16k or so. Up 64k annually. Might cover some of the bar tab 🙂
Greg ***********
@Todd ********
feeding corruption is "financially smart" ? Oh yeah , just keep scrolling on
Todd *********
@Greg **********
thinks not using an agent is gonna save Asia from corruption. 😂😂😂. At least it saves you the ‘hefty sum’ of 16k. Some of y’all throw baht around like manhole covers. Cheep, cheep.

What’s financially smart
 is having your money well invested continuously. Not tying it up for 16 years at 0% for the right to stand in line every year at the bank and immigration
Greg ***********
@Todd ********
18 years ago I bought a 190 sqm house for 170,000 Euros. I lived in it by myself, saving me over 200,000 Euros in rental costs. I invested 50,000 Euros for some renovations. Then I sold it for 455,000 Euros, tax free . . talking about smart financing? phew 😆
Todd *********
@Greg **********
i'm super excited for you. Definitely played that smarter than your visa situation. But including your renovation budget and annual costs for holding company, you barely doubled your money in 18 years. That's 4% annual growth. Not very exciting at all. But smarter than leaving a million doing nothing for 16 years
George *******
@Greg **********
Crikey you like typing 😂😂😂. But you forgot to mention agents fronting the 800,000 THB
Wayne ********
@George ******
he only dedicated 90 words on the subject, understandably easy to miss if you’re blind or you don’t know how to read.
Greg ***********
@George ******
didn't you read it? I mentioned the agent route!
George *******
@Greg **********
Sorry Greg, I just went back and read it all. I tend to skip through comments sometimes, especially longer ones and so miss some content. If someone uses an agent, who fronts the 800k, I personally don't give a hoot. If that's the way they prefer to get an extension that is their business. There seems to be some opinionated people on FB resenting people using agents, it's none of their business and they should find something better to do with their miserable lives than ridiculing others. Also good advice if you use an agent until your in a position to deposit the 800k into your own bank account then go down that road. Actually if you've got the equivalent of 800k THB in some sort of investment bank account in your home country, it is earning you some interest as opposed to just having 800k sat in your Thai bank account depreciating every year, makes sense to me.
Greg ***********
@George ******
I suggest you read what happened to this guy, who used an agent to front the 800,000 THB and who now got into a small problem

“Hello all, I am trying to do my 90 Day report in person in Bangkok at Chaeng Wattana and gave them a TM 47 and a TM 30 from my landlord but they rejected it and told me to go to Counter B where they gave me a Notification Form for Housemaster to complete.

I had to do this form once before to get a certificate of residency for my driver’s license and it took 2 weeks to get it in the mail.

My 90 report is due in about a week so I don't have time to wait for that. Or perhaps they give you something immediately to go with your 90 Day Report?

Background information: I used Thai Visa Centre to get my retirement visa and even though I live in Bangkok they used the Trang Immigration office for that and it really messed up my ability to do my 90 day report in Bangkok.

Previously I was doing my 90 day reports online no problem. But it seems they changed my address to Trang so they created a big headache for me to do my 90-Days Report.

My Reply:

that's where the problems start, when one uses an agent to bypass a few rules for the retirement extension, and the agent bribes an Immigration somewhere in the provinces but not where the applicant lives

I almost added “som nam na!”
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