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The Thailand Retirement Visa Guide

This post will provide you with all the information you need to obtain your retirement visa, and answer all the nagging questions to which you have seen conflicting answers for all over the Internet.

Let's get started.

What is a Retirement Visa?

In truth, there is no such thing as a retirement visa, per se. However, when we talk about a retirement visa, we refer to it as such because people applying are generally retirees intending to spend their retirement in Thailand.

Moreover, you can't work on this type of visa, so it's generally for those who've stopped work and entered the sunny side of life.

What most refer to as a retirement visa is officially known as an extension of stay based on retirement.

The way the extension of stay based on retirement is obtained is by entering Thailand on a Non Immigrant O Visa, which we will discuss a little later, and then by obtaining the retirement extension from an immigration office – provided you meet the requirements.

thailand-retirement-visa

Retire in Thailand, enjoy the good life.

What If I Don't Meet the Financial Requirements?

Perhaps you don't have an ฿800,000 lump sum of money to put in a Thai bank account, or a monthly income of 65,000 THB. In this case you can still meet the financial requirements by combining the two. 

For example, let's say that you earn 50,000 a month. That would equal 600,000 THB a year.

In this case you would only need to deposit 200,000 THB in your Thai bank account to make up the required 800,000 THB. However, you would need to provide both the letter from the bank and the proof of income letter from your embassy

(British and US nationals are currently unable to obtain this income letter). 

What Documents Do I Need for a Retirement Visa?

To obtain the extension based on retirement, you will need to attend an immigration office, such as the office located at the Ministry of Foreign affairs in Bangkok. On the day you will need 5 things, as follows:

  1. Passport with Non Immigrant O Visa inside. Photocopies of: photo page of passport, page showing visa, page showing last entry date into Thailand.
  2. TM.7 (extension of stay form completed and signed). Attach a passport photo and include phone number by your signature.
  3. Departure Card (TM.6) (make a photocopy)
  4. 2 passport size photos
  5. Proof of funds and or proof of income (letter from bank/embassy). Bank letter cannot be more than 3 days old. If using the lump sum application route, you'll need an updated photocopy of your bank book page that shows the balance. Obviously take your bank book along too.
  6. Proof of address (copies of rental agreement, and utility bills (if you have them))
  7. Application fee of ฿1,900 THB

*Sign all photocopies. 

90-Day Reporting

Once you have your retirement visa,  there are two important rules that you must follow to ensure that you do not overstay your visa or invalidate your visa.

  1. You must conduct 90 day reporting. This means you must report to an immigration office in Thailand every 90 days.  This is because Thailand has a law that states that a foreign national must produce his/her address if staying in the kingdom for 89 or more days. The address is reported on a TM48 form.
  2. Perhaps the most common mistake foreign nationals make when living in Thailand on a retirement visa is leaving the country without getting a re-entry permit. A re-entry permit can be obtained from an immigration office or the airport before leaving the country.

This permit will be stamped in your passport and protects your visa from  expiring while you are outside of the country. If you do not get a re-entry permit, then your visa will be invalidated and when you re-enter Thailand you will get a standard 30 day exemption stamp.

As noted, you can obtain a re-entry permit as you are leaving the country. However, if you are able to plan in advance, it may be better to get one a few days before you leave to ensure that you get it done in time and don't miss your flight if you are in a rush to the airport. The re-entry permit form is known as TM13.

I have written extensively about the re-entry permit in this post here.

How to Renew Your Retirement Visa

Your retirement visa (extension of stay based on retirement) will last for one year. But don't wait until that year is almost up before you start planning to renew it. In fact, you can renew your visa up to 45 days before it expires.

Remember that you need to ensure that your Thai bank account balance does not fall below the 800,000 THB threshold three months prior to renewing your visa. 

Also consider that if you need a proof of income letter from your embassy, you should plan this at least a few weeks before you apply for your visa.

Some embassies require you to make an appointment and they may be busy at the time you apply. Don't worry though, the letter from your embassy will be valid for six months, so is perfectly fine to obtain the letter up to a couple of months before you need to renew your visa.

Rules for Those Retiring with a Spouse (Dependent)

It may be the case that you're a foreign couple who want to retire to Thailand. In this situation, there are two possibilities for obtaining a visa:

  1. Each partner obtains a retirement visa by following the financial requirements laid out above: that is 800,000 THB in a Thai bank account two months prior to applying; or proof of 65,000 THB income per month, as verified by your embassy; or a combination of the two.
  2. One of you obtains a retirement visa and the other receives a visa as his/her dependent.  The visa holder is generally the male party.

The easiest route is for you to both independently get visas. One reason for this is that if the main visa holder were to pass away then the dependent's visa would be immediately void.

This could be problematic because it would  present you with a visa issue to overcome at a time when you would be going through a lot of grief and having to sort out a lot of other things in your life.

In this situation, you could essentially leave the country and come back in on a 30-day exemption stamp, or get a tourist visa from a Thai embassy in a neighbouring country. But this still might not give you the time you need to get all your affairs in order and take care of probate.

It sounds quite morbid, but it is worth considering – because at a time like this you would not want the hassle of sorting out visa issues.

I have a comprehensive article on eligibility and requirements for a dependent visa here.

Spouse Under 50 or Ineligible for a Retirement Visa

If your spouse is under 50 or doesn’t meet the qualifications for a Retirement Visa, they can still accompany you by applying for a Thai Dependent Visa.

Key details to know:

  • The visa is renewable annually.
  • It will be revoked if you and your spouse file for divorce.

Requirements include:

  • A passport with at least 6 months' validity.
  • Proof of relationship (such as a marriage certificate).
  • Financial documentation showing the spouse can support the dependent.

The applicant can apply for a Non-Immigrant O visa based on spousal dependency either at the Thai embassy or consulate in their home country. Alternatively, if already in Thailand on a Tourist Visa, the Non-Immigrant O visa can be processed locally, provided all requirements are fulfilled and the current Tourist Visa has at least 21 days of validity remaining. To extend the Non-Immigrant O visa for one year, the application must be submitted to the immigration office within 21 days before the 90-day stay period expires.

Note that as a dependent, immigration requires the financial aspect of the extension to be provided by the retirement visa holder (not the dependent), and not through a joint bank account.

Similarly, if you are using a letter from your embassy to prove your income to extend your visa, this must solely be in the retirement visa holder's name and not in joint names. 

Getting Your Non Immigrant O Visa

The most common pathway to getting the extension based on retirement is to obtain a Non Immigrant O Visa (90 day validity) from your home country before you arrive Thailand. You can do this via the E-Visa system.

You can obtain this visa in Thailand, but then that's an extra step that you will have to go through with immigration before applying for your extension of stay based on retirement. It really isn't difficult to get from your home country either, so it is advisable that you do this.

Here are the requirements for the UK Thai Embassy. Please note that requirements may differ slightly from country to country.

  • Passport or travel document with validity not less than 6 months and at least 2 blank pages, as well as the photocopy of passport. The actual passport must be submitted with visa application form.
  • Two (2) recent photos (taken within the past 6 months)
  • Supporting documents for the purpose of visit to Thailand. (Please see details for each type.)
  • Financial evidence showing monthly income of no less than 65,000 THB (£1,500), or a current balance of 800,000 THB (£18,000). Applicant’s bank statement must show name and address (screenshots are not accepted). 
  • Health insurance policy for the 90-day period that covers 400,000 inpatient and 40,000 outpatient treatment.

Once you have your Non Immigrant O Visa,  you can enter Thailand and stay for 90 days. You will have to wait 60 days before you can file your retirement visa application at the immigration office and follow the steps laid out in this post.

Getting a Retirement Visa (O-A) Instead

You should also know that you can obtain a long-stay visa (generally known as a retirement visa) inside your home country. It's known as an O-A visa.

Rather than include all the details in this post and confuse the two options, I wrote a separate post on this. 

In a nutshell, there's more paperwork involved and it requires you to have a specific insurance policy. Though it does have some benefits that the extension we have discussed here doesn't have.

+ Read more on the O-A visa here

Have I missed anything? Still got a question? Leave it in the comments below.

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  1. Dave says

    Do you have to fly into Thailand to get tourist visa or can you get it via road border like Laos or Cambodia? Do you need to do any paperwork before at Thai embassy in either country?

    If that is OK ....will either visa be acceptable to change to O visa based on retirement after 60 days...(I have a thai account with enough cash i it!

    Just wondering best way to get O visa if already in thailand on OA visa which runs out in a few months.
    Ideally I would like to pop over to Laos for a few days as my OA expires....then come back on a tourist visa and then go to immigration and change to O...then apply for 1 yr extension after 60 days.

    Is there any difference in going to Laos or cambodia...or any suggestion for somewhere close and cheap!!! Will I need a city with a Thai embassy (I have a UK passport).


    I can fly ...but am only a few hours drive from Laos border hence the question.

    Thanks in advance
    Reply

    • Robert B. Morton says

      You are doing the correct thing by exiting Thailand, if you are trying to get off the OA and convert to the O. Without a Re-Entry Permit, that will effectively cancel your OA. Insofar, as the rest of your question(s): i. You can only get a Tourist Visa from a Consulate/Embassy, not a Border Crossing. ii. At a Border Crossing you will get your Visa Exempt Entry Stamp (I am presuming you are from a Visa Exempt country), which is 45 days until end of this month (and thereafter 30 days, unless the Govt. extends the 45 day). iii. Since you already have the required money in Thai Bank for retirement visa, you should have no problem converting to Non-O, and then subsequent annual 1-yr Retirement Extensions. Here are instructions for that: STEP-BY-STEP DO-IT-YOURSELF INSTRUCTIONS -- APPLYING FOR RETIREMENT STAY AFTER ARRIVAL IN THAILAND (Must be over age 50): i. You may arrive either Visa Exempt (currently 45-days), or on a 60-day Tourist Visa. ii. Then, immediately after your arrival, you must promptly open a Thai Bank Account, and transfer 800,000 Baht into Thai Bank Account (if married, some Immig. Offices like CM, accept Joint Account with 1.6 Mil. Baht. Also Note, that either Passbook Savings or Fixed Deposit is acceptable, but not Investment Account. Finally note, that some Immig. Offices, but not all, require proof of foreign source of funds (e.g.- CM does not). WISE is an inexpensive, easy & reliable service to transfer funds). iii. Then, you apply for a 90-day Non-O Visa at local Thai Immigration Office. If on Visa Exempt, you use Form TM87, if on Tourist Visa TM86. You are required to apply with minimum 15-21 days remaining on permitted Stay, depending on Office (Chiang Mai, requires 21 days). Requirements: TM87 or TM86 (Note: Fear not, only 1-page Form simple to fill out in English with only basic info., name, address, passport info., arrival info, and stated purpose: "For Retirement"), Must be Over Age 50, 2000 Baht, Copy of all relevant pages of Passport (i.e. Facepage, and Entry Stamp); copy of TM30 (that is the required arrival form that is either completed by your Hotel or Condo, or you do yourself at Immig. Office w/i 24 hrs of arrival); copy of proof of residency (Rental Agreement, or Hotel Reservation -- some offices may not allow if only staying at a HOtel); and most importantly proof of the money in Bank (Copy of Bank Book, and a certified Letter from the Bank usually costing 100 Baht). Above is all simple and straightforward, so no need for spending money on a Visa Service. iv. If all docs. in order, Immig. Office will put a Sticker in your Passport that you are "under consideration", and a date to return to pick up your Visa Stamp (prior to your Stay expiration). v. Next, when you have 30 days remaining on the Non-O (and your Bank Money has "seeded" 60 days -- i.e. stayed on deposit), you go back to Immig. Office to apply for the 1-yr Retirement Extension. Requirements.: TM7 (Req. for Extension of Stay); 1900 Baht, and all other same docs. as above (newly updated of course). And, you will receive 1-yr Extension of Stay -- usually same day, if you arrive in morning. Note: For both processes above, your Bank Passbook Balance must be updated same date as application, and the Bank Letter should be no more than 7 days old -- easiest just to do both same day just before going to Immig. Office). vi. Finally, you should/must get a Re-Entry Stamp -- easiest/best to just do immediately after you get your 1-yr. Extension stamp. It can be single Re-Entry for 1000 Baht, or 3800 Baht for unlimited multiple Re-Entry. The Re-Entry Stamp allows you to leave and return to Thailand, without invalidating your 1-yr Extension. If you fail to do that, then your Extension of Stay is nullified, and you must start the process again. (IMPORTANT: If you want or need to leave Thailand while on the initial 90-Day Non-O, same thing -- must get Re-Entry Stamp.). Hope that is all clear.
      Reply

      • Dave says

        Thank you Robert for such a full reply!!!

        I have UK passport so I guess I get the Visa exempt...been so long since I had to get a tourist entry having used OA for last few years.

        Only thing you did not answer...Does it make any difference if I walk across border or fly....I seem to recall certain countries get funny if you don't fly in...but I am hoping Thailand is not one of them!!

        Popping in to do 90 report next week so will run this by Immigration but always good to know you are right before discussing it.
        Just feels scary to "kill" a visa that was so convoluted to get in the first place....Bloody Dr would not sign that I did not have Elephantisis or Syphillis....They said they will only write letters for illnesses I have had....so had a major issue until I found a sympathetic Pharmacist who did it for me.

        Thank you
        Reply

        • Robert B Morton says

          Max is correct. You get the Visa Exempt Entry by air or land -- provided the Border Crossing is open. And, also fully agree with Max, you should have gotten rid of OA long time ago. Don't know you are going to get much helpful advice from Immigration Office, but best of luck with that. Max and I have already given you your best advice here.
          Reply

          • Dave says

            Thank you for the advice..I will be doing just that.
            But I fail to understand why I should have gotten rid of a perfectly good visa before it ends though? I do not see any difference other than the insurance which was bought and paid for last year... far cheaper than the quotes for this year.
            As for immigration...They could not be more helpful...BUT I would rather check here first so I am talking from a point of knowledge and checking they see it the same way.
            Reply

            • Max says

              Dave, both Robert and I are talking about getting rid of your O-A years ago. The O-A and O-X have for many years forced people to buy expensive crappy health insurances from Thai insurance companies. Why do you think thousands of expats with an O-A killed their extensions last year by leaving without a re-entry permit and started all over again but instead with an O?
              Reply

              • Dave says

                I got my visa under covid regs when the insurances were a req for entry to thailand for all...I think?
                I just renewed it last year and the insurance was very cheap.
                This year it is markedly higher and I am looking to deal with it.
                Your comment about Why do I think thousands of expats killed their visa last yaer is fairly rude..it had no great effect on me and I do not know 1,000's of expats.... I was only concerned with my own situation and was happy with the reqs..My insurance only cost about 9,000 baht and was sorted out by my friends in immigration....The insurance have now changed and I am looking for a few answers to specific questions about the process I intend to follow.

                Max you may have a lot of knowledge but It would not kill you, to not talk down to people with less experience than you. It demeans you. If those of us with less knowledge annoy you so much...stop replying to us...or does your ego stop that? I do not need sarcasm from a halfwit.

                Robert..Thank you for your courteous replies
                Reply

  2. Simon says

    Good afternoon and a Happy New Year to all.
    I have 2 questions, please, on the 'Non Immigrant O Visa (90 day validity)' applied from in the UK (which is where I am located).
    1. For how long is it valid from its date of issue? That is if, for example, I get the visa on 1 February this year, dated 1 February this year, then within what time frame do I have to use it and get on a flight to Thailand? A week, a month, three months or what?
    2. Entirely seperately, is this first 'Non Immigrant O Visa (90 day validity)' a single-entry visa or can I request a multiple entry visa instead in my initial visa application?
    Thank you again in advance for any help on these issues (especially Question 1).
    Reply

    • Max says

      1) It's valid 3 months.
      2) The 90 days Non-immigrant O is a single entry visa because the whole idea is to extend it 1 year or leave the country after 90 days counting from the day of entry. When having a multi entry 90 days visa, you must leave the country every 90 (actually 89) days.
      Reply

  3. Simon says

    Hi there: a quick question on something raised in your editorial above, to which I cannot find the answer.
    As background, I am looking to follow your advice on the 'retirement' visa and go initially on the 90-day Non-Immigrant O Visa (with 90 days validity) and then convert it when there to the one-year OA visa (I am 55, have the British passport, £10,000+ in a personal bank account, have the visa application form, have two recent photos).
    HOWEVER, you say here that you need 'supporting documents for the purpose of your visit' and say to see details later but I can't find them.
    QUESTION: what supporting document/s do I need if I am going there to retire?
    Thanks in advance for your help.
    Reply

    • JamesE says

      You've got a couple of things wrong. First, you don't convert the Non-O (Retirement) into an O-A, you extend it for a year. The O-A is only available for issue in your home country. Second, the financial requirements for the extension are much higher than £10,000 - more like 19,200 at today's exchange rate. Plus, that amount has to be in a Thai bank account for at least two months before you go for your extension. Read through the comments (particularly Max's) as there has been a lot of discussion about this.
      Reply

    • Max says

      Simon, you're not converting your visa when going for the 1 year extension based on a 90 days Non-immigrant O at the local immigration office. You're just extending your stay, and it's not an O-A. About documents, just check out the requirements on the UK embassy website if you need proof of being retired when applying for the 90 days Non-immigrant O visa based on retirement.
      Reply

    • Robert Morton says

      You are a bit confused. If your intention is to get the Retirement in Thailand, you may arrive either Visa Exempt (currently 45-days), or on a 60-day Tourist Visa. Then, immediately after your arrival, you must haul arse to open a Thai Bank Account, and transfer 800,000 Baht into Thai Bank Account. Then, you apply for a 90-day Non-O Visa at local Thai Immigration Office. If on Visa Exempt, you use Form TM87, if on Tourist Visa TM86. You are required to apply with minimum 15-21 days remaining on permitted Stay, depending on Office (Chiang Mai, requires 21 days). Requirments: TM87 or TM86 (stated purpose: "For Retirement"), 2000 Baht, Copy of all relevant pages of Passport (i.e. Facepage, and Entry Stamp); copy of TM30 (that is the required arrival form that is either completed by your Hotel or Condo, or you do yourself at Immig. Office w/i 24 hrs of arrival); copy of proof of residency (Rental Agreement, or Hotel Reservation -- some offices may not allow if only staying at a HOtel); and most importantly proof of the money in Bank (Copy of Bank Book, and a certified Letter from the Bank usually costing 100 Baht). Above is all simple and straightforward, so no need for spending money on a Visa Service. If all docs. in order, Immig. Office will put a Sticker in your Passport that you are "under consideration", and a date to return to pick up your Visa Stamp (prior to your Stay expiration). Next, when you have 30 days remaining on the Non-O (and your Bank Money has "seeded" 60 days -- i.e. stayed on deposit), you go back to Immig. Office to apply for the 1-yr Retirement Extension. Requirements.: TM7 (Req. for Extension of Stay); 1900 Baht, and all other same docs. as above (newly updated of course). And, you will receive 1-yr Extension of Stay -- usually same day, if you arrive in morning. Note: For both processes above, your Bank Passbook Balance must be updated same date as application, and the Bank Letter should be no more than 7 days old -- easiest just to do both same day just before going to Immig. Office). Finally, you should/must get a Re-Entry Stamp -- easiest/best to just do immediately after you get your 1-yr. Extension stamp. It can be single Re-Entry for 1000 Baht, or 3800 Baht for unlimited multiple Re-Entry. The Re-Entry Stamp allows you to leave and return to Thailand, without invalidating your 1-yr Extension. If you fail to do that, then your Extension of Stay is nullified, and you must start the process again. (Also, if you want or need to leave Thailand while on the initial 90-Day Non-O, same thing -- must get Re-Entry Stamp.). Hope that is all clear.
      Reply

      • Max says

        Robert, I think you're abit confused as well. Arriving on a 90 days Non-immigrant O Visa based on retirement is a third option. It's doable and works fine as long as you open a Thai bank account straight away and transfer the 800k. That's the only critical part and you don't need any changes from visa exempts or tourist visas to a 90 days Non-immigrant O visa. Just one application for the 1 year extension.
        Reply

        • Simon says

          Yes, and once you arrive on that Non Immigrant O Visa with 90 days attached to it you have 30 days to find and open a Thai Bank account because, to apply for the extension when in Thailand, you need to show THB800,000 in your account for the previous 60 days ONLY, not 90 days, right? Although, obviously opening one asap is a priority anyhow.
          Reply

          • Max says

            The 800k "must" be in your account 2 months prior to the day you apply for the 1 year extension. This is not negotiable at immigration. You don't have 30 days to open a bank account and transfer the money. Just do the math.
            Reply

            • Simon says

              You wrote in November the following, a direct quote: 'If you arrive on a 90 days Non-immigrant O, then you have up to 30 days to open an account and transfer money from back home.'
              I think we are quibbling over days here.
              The point seems to be that there is some breathing room to open an account. As you also put, you need to find an address that is not a hotel and so on, so it is tight, but it does not need to be done the second I step off the plane. That was all I was saying.
              Reply

              • JamesE says

                Max's key words are: "up to". Every day you dawdle on the front end is a day you've removed on the back end to handle any unforeseen delays (which there will be), or requests for extra documents (which there will be) or having a run of bad luck finding a bank branch to open your account or find a place to live (which there may likely be). So, yeah, you have 30 days but only if you are feeling really, really lucky.
                Reply

        • Robert Morton says

          Max, I am NOT confused at all. I provided clear and absolutely accurate information and instructions, for arriving Visa Exempt &/or Tourist Visa, and the process for obtaining Retirement Stay thereafter: i.e. Change/Conversion to 90-Day Non-O; and then the final 1-yr Retirement Extension. I fully understood OP's initial suggestion to first get the Non-O Outside the Country. But, believe that is not the easiest nor best course of action. I prefer the IN-Country Method, because it does not require Medical or Criminal Check. Following my Instructions, is guaranteed to succeed at any Immigration Office; and as noted is not difficult. (I also understood and agree with both you and James, that OP was confused with reference to "O-A").
          Reply

          • Max says

            You wrote there were only 2 options. But there are 3. I know a lot of people arriving on a 90 days Non-immigrant O based on retirement that opened an account the first week. Everything is about planning and a bit know-how. IF you don't know where to stay when you arrive, it might be tight when it comes to time. As I said, opening the bank account is the only tricky part,BUT if picking the correct bank, in my opinion Bangkok Bank, it's still doable. The location is also important, because bank branches in Thailand don't work the same way and they don't care the least about changed requirements,they follow the ones they've followed for years. Meaning, many Bangkok Bank branches still prefers the Resident Certificate from immigration, and it works perfectly. Believe me, my branch works that way. Another way is to go a big mall or two and try banks there, they are well known for not following requirements,and people are still reporting about being able to open accounts when on tourist visas.
            Reply

            • Robert Morton says

              Max, I did NOT say "there are only 2 Options". I merely provided clear and totally accurate information & instructions for obtaining Retirement Stay upon arrival with Visa Exempt or Tourist. Of course, I understand that another option is to apply for Non-O outside Thailand at a Thai Embassy/Consulate. BUT, in my opinion, it is better/best option to do it the way I suggested, so as to avoid the necessity of Medical & Criminal Check. True, you are given a little bit more time to open Bank Account if you apply for the Non-O outside of Thailand, but I don't think an extra week or so is a big deal, and still enough time to do it my way, as many including myself have done successfully many times. FYI -- There's also a 4th Option you neglected to mention: Applying for an O-A Visa outside of Thailand, to get 1 yr stay (that can be "stretched" to 2 years), and then thereafter following my instructions for further 1-yr extensions. But, again, I do NOT recommend, for same reasons above, as well as additional requirement of Medical Insurance for O-A Visas. Now Max, kindly stop being so argumentative (and apparently defensive). You are not the only one around who has good advice to give to people about Thai Visa stuff.
              Reply

            • Robert Morton says

              James, you are correct that no Medical nor Criminal Check req'd for Non-O outside Thailand (only for O-A/X). My bad. BUT, for Non-O outside country you ARE required to get Health Insurance for duration of your Stay, which is still an additional expense / hassle you don't have when applying In-Country. And, as mentioned I do understand that applying outside country provides a little more time to open your Thai Bank Acct., deposit money and obtain docs. But, I say still simple and easy to apply inside Thailand, and still sufficient time to get it done provided you "haul arse" as I originally advised. That being said, our Moderator/Host Peter is right, we are all basically "on the same page". Several Options, and everyone has to decide for themselves what works best.
              Reply

  4. John says

    May have been dealt with already but I cannot find any info on whether the income option of 65000 baht a month for an over 50 extension of stay MUST be sourced from a pension or can you remit deposits from overseas from savings accumulated from interest and rental income. I do not receive a pension
    Reply

    • Max says

      Officially,the source of the 65k/month deposits must be from pension. People than can obtain income letters from embassies or consulates,must show those letters when extending their stay, and they don't have to transfer money monthly. Expats,though, from the US,UK and Australia might have to show proof (again officially) of the source of those 65k plus getting 12 months bank statements from their Thai banks when extending their stay. These are official requirements since January 1, 2019.
      Reply

  5. Paul Haynes says

    Hi l am in the UK and wish to get O/A visa can some advise on company that evisa will except is it only Thai company l do not want to buy the compulsory insurance for it to be rejected on the e visa site .Is there a list perhaps and l have to choose. Many Thanks
    Reply

    • Max says

      Why do you want an O-A Visa? Why not go for a 90 days Non-immigrant O Visa based on retirement and extend it another year at the local immigration office. No health insurance is needed for the 1 year extension,just for the first 90 days.
      Reply

        • Max says

          Paul, you don't need an insurance when on an initial 90 days Non-immigrant O visa when extending it another year in Thailand. Only O-A and O-X visas requires an insurance. Going for an O-A is not a smart choice especially when the insurance,from October 1 this year,must cover $100,000 or 3 million baht.
          Reply

        • JamesE says

          Do you need insurance for the visa or for actually using? The requirement for "retirement visas" is only for the length of time you will be stamped into the country for. Using Max's plan the O - Retirement only requires 90-days of insurance coverage as that's the length of time you will be stamped in for. Your one-year extension will fall under different rules so no insurance is required. Getting an O-A visa will get you stamped into Thailand for a full year, so that's how long your policy has to be valid for. As TTL says you can get a cheap policy to meet these requirements. However, if you want a policy that provides actual coverage that you can use, then you're free to pick whatever policy you want even if it doesn't meet Thailand's requirements. If it covers your visa requirements, fine. If not just get a minimum policy through Mr. Prakan to meet the visa req's and keep your preferred policy for actual medical needs.
          Reply

          • Max says

            If anyone needs an insurance that actually works in real life,you just stay away from expensive private hospitals in places like Phuket,Bangkok and Pattaya. That way you don't need an insurance with a very high coverage. There are a lot of very good government hospitals in Thailand where the costs are up to 50% less compared to very expensive hospitals. That means an insurance doesn't have to cover 3 million baht which is a ridiculously high sum. The worst problem with Thai insurances,in my opinion, is the annual cost when you are 66 years of age or older. From 66 years of age you are considered "over aged" which is a term insurance companies uses, and the annual cost suddenly gets much higher. Then every 5 year it gets higher and higher.
            Reply

    • JamesE says

      Paul, Max is correct on the best way to proceed. However, if you still wanted an O-A (to avoid the Thai bank requirement and keep your funds in the UK, for example) the rules are pretty clear: the insurance has to be issued by a Thai company (they're all approved) or by a foreign company who will complete the form stating that your coverage is valid in Thailand. When I ran into this with the COVID insurance I used a foreign policy underwritten by AXA - which does have a Thai subsidiary - and which provided me with a policy statement that included all the info, stamps, and signatures that would need to be on the Thai form. It was accepted for visa and immigration/public health no problem.
      Reply

  6. Gary Williams says

    My wife is Thai and i want to remain in Thailand with her. I am presently in the U.S. and as i understand it i should apply for a O-Retirement visa here in the U.S. before coming to Thailand. This requires i have 800,000 baht in bank in the U.S. with a letter from my bank stating i do have this amount in the bank. Also with this visa i am not required to have a health insurance policy ? Where do i obtain the application form for this visa ? Is there any other requirements to receive this visa ?
    Reply

    • JamesE says

      Almost, but not quite. You can get the O-Retirement (a 90-day visa) with the requirements here: https://thaiembdc.org/2020/11/17/nonoretirement/ Once you get to Thailand you have one month (a minimum of two months before the "until" date stamped in your passport) to deposit ฿800,000 in a Thai bank account in your name only. Then, two months after you put the money in the bank, you can apply for an extension of stay based on retirement. The extension gives you one year's stay in Thailand (with the 90-day report requirement). So, if you arrived on Sunday, January 1, 2023 you would be permitted to stay until Friday, March 31, 2023 (90 days). You would have to have your deposit done no later than Tuesday, January 31, 2023 (two months before your permission to stay ends) so that you can go to immigration and apply for your extension. The mixing of days (permission to stay) and months (bank account requirements) is a bit confusing. Just do that ASAP. The O visa comes with a minor insurance requirement for the 90 days you will be stamped in on arrival. After you extend the insurance requirement goes away. There is no application form anymore, it's all done online through the eVisa system (the link is in the page on the Thai Embassy's website I posted above).
      Reply

  7. Eric says

    Hi - if I understood this correctly, then the easiest approach for me to get a retirement visa would be to apply now for a non-immigrant O visa (ie also taking out a 90 days Thai health insurance and apply via e-visa here in Hong Kong), await confirmation via email, and then - after arriving in Thailand in Jan - open a local bank account, deposit 800k THB, wait 2 months, get the bank's confirmation and then apply in Bangkok for the extension based on retirement.

    My question: the e-visa application seems to allow multiple entry for non-immigrant O visa, so that means that I can leave Thailand and return as I please during that 90 days time window, or is there something I should be careful about, any pitfalls out there?
    Reply

    • Max says

      After 60 days into your 90 days Non-immigrant O you can apply for the 1 year extension. The 800k must be transferred from abroad and be in your account 2 months prior to the day of application.
      You need a bank letter from your bank to show a minimum of 800k and to verify it's your account. You have to get the letter the day (the latest) before you apply for the extension. About the multi entry 90 days Non-immigrant O visa. Your can stay up to 90 days and then you must leave and then you're able to re-enter. You should go for the single entry 90 days Non-immigrant O if you're going to extend your stay 1 year based on retirement . If you want to leave when you're on the 1 year extension, you just pay 1,000 baht for a re-entry permit at the local immigration office or at the airport.
      Reply

      • Eric says

        Thanks, Max. I will have to go back to Hong Kong regularly, so might choose the multiple entry version of non-immigrant O visa initially (for the 90 days period).

        Any views on the insurance? I looked at some links here but they all seem more suitable for longer term personal health (whereas I probably just need something for 90 days to meet the visa requirement when applying from outside Thailand)
        Reply

    • Ron says

      Somebody correct me if I'm wrong but can't you avoid a lot of headaches and having to purchase insurance if you do the following?

      Arrive on a 45 day visa exemption

      Open a bank account bringing the required documentation such as proof of passport, residency, lease agreement, address, enough money for a deposit, and preferably a Thai speaker.

      Transfer money into that bank account (800000 but). That transfer needs to show the money came from outside of Thailand

      If you need more time, exit and re-enter on another visa exemption.

      Then apply for a non-o 90 day visa to avoid the insurance requirements.

      Then after 60 days apply for a one year extension.

      Then continue extending into the future. I've forgotten how many days you should apply for an extension prior to the current extension expiring. Hopefully someone here can fill in the blank of the matter
      Reply

      • TheThailandLife says

        You can open a bank account and deposit your money in those 45 days but you have to reside in Thailand for 60 days before applying for a Non O Visa. I'm not sure if doing a 30-day extension would count in this regard; it would be up to immigration. The easiest route is a Non 0 Visa, single entry, which doesn't require insurance at most Thai embassies.
        Reply

        • TheThailandLife says

          Having said that, I was just reading around and came across one visa company that says you can change from a visa on arrival to a Non Immigrant O Visa (90 day), so perhaps you can do as you said. Maybe Max or James have experience with this.
          Reply

            • Max says

              Eric,read my post where I described the procedure. You don't need any assistance from an agent or lawyer. You can change from a 60 days tourist visa or from a visa exempt to a 90 days Non-immigrant O at the local immigration office. Cost: 2,000 baht. The procedure is quite straightforward. You need 800k (international transfer) in a Thai bank account the day you apply for the change and same amount 2 months prior to the day you apply for the 1 year extension. The bank account is the most important thing and it has to be done as soon as possible. If you need more time than 45 days, you just extend the stay another 30 days at immigration. It means you only have 15 days to open the bank account if you chose to arrive on a visa exempt. You can always go for a 60 days tourist visa which is also extendable another 30 days.
              Reply

            • Max says

              This is the documents needed together with form TM86 (when changing from 60 days TR visa) or TM87 (arriving on a visa exempt):
              2 forms with a 4x6 cm photo on each form, with one set of documents with each form. Passport copies: the first page with photo and the page with the entry stamp. If arriving on a 60 days TR eVisa, one copy of the visa. Copies of the condo contract/lease. One bank letter from the Thai bank (cost:100 baht) verifying the owner of the account and showing at least 800k. A copy for the second set is allowed. The bank letter must be obtained either the day before if going to immigration early in the morning OR the same day if going to immigration later in the day. Copies from the bank book: The first page with name and account number and the page showing transactions and balance (at least 800k).The balance in the bank book must be same as in the bank letter. Update the bank book when asking for the bank letter. Every copy must be signed at the bottom in blue ink. Now you should have 2 sets of documents. Go to the local immigration office and get 2 forms at the front desk or Google TM86 or TM87 and download it and fill it in on the computer. I always copy my forms to a USB-drive and print them out (2-sided printout if the form has 2 sides) at the nearest photo shop. Don't forget to sign them in blue ink. Everything you need is in the passport (and in the eVisa if you arrived on a tourist visa). That's all. I don't think I have forgotten anything.
              Reply

              • Eric says

                That's very comprehensive - thanks a lot, Max. Both approaches seem doable with pros/cons - either getting the health insurance and applying for non-immigrant O visa from home right away, or arriving on visa exemption and changing to the O visa later on. (I could imagine opening a bank account might be easier when arriving with an O visa, instead of visa exempt tourist status).

                Is there actually any requirement to be physically in Thailand for the 2-3 months between getting the O visa, depositing the 800k and then applying for the one year extension? Or can I travel in an out during that time (assuming I have a multiple entry O visa)
                Reply

                • Max says

                  You can't do this in the wrong order. First arrive on a visa of your choice, I wouldn't go for the visa exempt option. As you said,it might be easier to open an account on a 90 days Non-immigrant O visa,but you must have an official address, a hotel isn't officially allowed. First find a place to stay,where in Thailand are you planning on staying anyway? What works in one place might not work in another place even if there are official rules and requirements. If you don't have a plan,then you might be screwed. You just have so much time to find a place to stay with a lease and to open a bank account. That's what you must do first. The easiest way to open an account is actually in big malls where almost every bank have a branch. For some strange reason some branches don't follow their own requirements. Try Bangkok Bank,Kasikorn Bank, Siam Commercial Bank (SCB), Krungsri Bank, or Krungthai Bank. There are more banks but not so many commercial banks. The 800k must be in an account the day you apply for the change of visa. If you arrive on a 90 days Non-immigrant O, then you have up to 30 days to open an account and transfer money from back home. You can't be late because this is not negotiable at immigration. I think you should concentrate about finding a place to stay and to open an account,not about travelling in the meantime. After 30 days into the 90 days Non-immigrant O, you must have the money and apply for the 1 year extension. You can't leave the country after that because you have filled in the date of entry in the application (form TM7) with a copy of the entry stamp in the passport. When you've got the 1 year extension, you can travel as much as you want using a multi re-entry permit.
                  Reply

                  • Ron says

                    Max this all is invaluable information. Thanks for the detailed summary.

                    One question if you could clarify. You said "After 30 days into the 90 days Non-immigrant O, you must have the money and apply for the 1 year extension."

                    As I understand it the money must be in the bank for 60 days prior to applying for the 1 year extension. So that part makes sense. But can't you apply within at least 15 days (I've read Chiang Mai requires 21) prior to the expiry of your permission to stay for the extension? I'm probably misreading your quote but it sounded from it that you'd need to be at immigration within 60 or more days prior to the expiration of your permission to stay. I just want to be sure because obviously timing is going to be tight even if the window is 15 or more days. Thanks
                    Reply

                    • Ron says

                      You wrote,"After 30 days into the 90 days Non-immigrant O, you must have the money and apply for the 1 year extension."

                      I'm saying you don't need to apply for a 1 year extension 30 days into the 90 day visa. Most offices the deadline would be 75 days or less into that visa with Chiang Mai requiring it to be 69 days or less.

                      You wrote it as you'd have to apply for an extension 30 days or less into that visa. The money needs to be in the bank by then but your application doesn't.

                      That's what I'm talking about

                    • Max says

                      My bad,Ron and Eric. Blame it on FIFA World Cup. I was watching a game on tv while writing. It should of course be "after 60 days into the 90 days Non-immigrant O you can apply for a 1 year extension". Nothing else. I don't know how many times I have explained the procedure and when I wrote 30 days I saw 60 days in front of me.
                      Another thing immigration might ask for is the TM30 receipt. TM30 is the form used for registering an address. Officially it should be submitted within 24 hours after arrival except when immigration is closed,like Sat-Sun and holidays. They can actually fine you 1,600 baht if not submitting it.It's free and you just need the copies I mentioned before from your passport and lease. Signed at the bottom in blue ink. Plus form TM30,of course. Immigration will staple a receipt inside your passport.Keep it there. When applying for extensions make a copy of it and add it to the rest of the documents. Now I think I haven't forgotten anything 🤔. (Hopefully)

                  • Eric says

                    I agree and thanks for sharing all the details! Having to go back to Hong Kong once or twice every month makes it probably more tricky, so I need to figure out the best approach that allows me that.

                    I already got a condo lease under my name near Sukhumvit, so just a bank account is missing which I’ll tackle when I get there.
                    Reply

          • Max says

            Visa on arrival? You mean visa exempt? It's possible to change from a visa exempt to a 90-days Non-immigrant O at the local immigration office. It's the same procedure as when changing from a 60 days tourist visa to a 90 days Non-immigrant O Visa but instead of form TM86 it's form TM87. The only problem might be time when it comes to achieve an official address and a bank account. You also need 2 sets of documents instead of one when applying for the change. The fee is 2,000 baht. In my opinion arriving on a 90 days Non-immigrant O is the best way even with a 90 days health insurance. Just go for the cheapest option incl deductibles. This means only one visit to immigration which will cost 1,900 baht instead of a total of 3,900 baht and a lot of headache because of the stuff that needs to be done after arrival on a visa exempt.
            Reply

          • Robert Morton says

            Not True. Referring to the Nov. 21 comment, that said you must have resided in Thailand for 60 days, before applying for the 90-day Non-O Retirement. Just applied and approved in CM for change from initial 45-day Visa Exempt to 90-Day Non-O Retirement, with no difficulty.
            Reply

            • Max says

              You must have misunderstood those posts. Those posts were about a 1 year extension "from" an initial 90 days Non-immigrant O Visa. Then, after ~60 days into those 90 days you can apply for the 1 year extension. You are talking about the change from a 45 days visa exempt "to" a 90 days Non-immigrant O. That's a totally different thing.
              Reply

              • Robert Morton says

                Max, respectfully, I did NOT misunderstand, and am fully aware of the differences between the 2 processes. The Posts above, discussed BOTH. And, below I quote the Post dtd. 11/29/22 at 03:39am from Editor "Thailand Life", I was replying to, which you will see DID in fact erroneously state that a person has to reside in Thailand for 60 days before applying for the "Non-O" ( after arriving on 45-day Visa Exempt).

                "TheThailandLife says

                You can open a bank account and deposit your money in those 45 days but you have to reside in Thailand for 60 days before applying for a Non O Visa. I'm not sure if doing a 30-day extension would count in this regard; it would be up to immigration. The easiest route is a Non 0 Visa, single entry, which doesn't require insurance at most Thai embassies.
                Reply
                Nov 21, 2022 at 3:39 am"
                Reply

  8. Ron says

    Is there some out of date information here? The Thai Embassy DC site

    shows you need insurance with the 90 day non-o visa.

    But this site is indicating it is better to get the non-o 90 day visa rather than the non 0-A because you can avoid the insurance cost and hassle.

    https://thaiembdc.org/2020/11/17/nonoretirement/

    "The applicants must submit the following:

    Health insurance policy document issued by a Thai or foreign insurance company, stating that the applicant is medically insured for the period and with coverage as mentioned above:
    (a) In case of a foreign insurance company, the applicant must submit the original insurance policy document with 2 copies;
    (b) In case of a Thai insurance company, the applicant must submit 2 copies of the insurance policy document or, if available, the original insurance policy document with 2 copies. A list of Thai insurance companies participating in the scheme can be found here: http://longstay.tgia.org

    Foreign Insurance Certificate as stipulated by the Office of Insurance Commission and Health Insurance of Thailand, which must be completed, signed and stamped by the insurance company. The form can be downloaded here: Foreign Insurance Certificate Form"
    Reply

    • Max says

      In my opinion several embassies all over the world have misunderstood the part about Insurance requirements. Anyway,you just need the insurance for 90 days which doesn't cost much. When extending the stay 1 year at the local immigration office based on an initial Non-immigrant O Visa, you won't need an insurance. But if you go for an O-A you need a 1 year insurance covering USD100,000 or 3 million baht which isn't free, and you have to pay for that insurance every year.
      Reply

      • Ron says

        Thanks. I assume that the insurance requirement still applies when applying for a non-o in Thailand.

        My plan is to arrive on a 45 day exemption, open a bank account, extend the 45 day exemption if needed and then apply for the 90 day non-o. After that extend that non-o annually.

        I've read where this approach is possible. Is that right?
        Reply

        • Max says

          There's no mandatory health insurance when applying for the 90 days Non-immigrant O Visa in Thailand or when applying for the 1 year extension. Otherwise,you are correct. The bank account is important. The 800k must be in your account the day you apply for the 90 days Non-immigrant O Visa and 2 months prior to the day you apply for the 1 year extension. This is not negotiable.
          Reply

    • JamesE says

      This is a "check the fine print" situation. If you get an O - Retirement you have to have minimal insurance ฿40,000/฿400,000 for the "length of your stay"; AKA 90 days. You can then extend your permission to stay for a year with no further insurance requirement. If you go with an O-A you need a metric-ton of insurance US$100,000 (฿3,000,000) for the length of your stay; AKA 1 year. And the requirement doesn't go away with extension. Much cheaper to go with the O - Retirement.
      Reply

  9. John Baxter says

    I did my last 90 day report on 4 September 2022 and was scheduled to
    do the next one on 4 December 2022. At the time I was on a covid extension of stay. I now have an Non O Visa over 50 granted on 31 October 2022 with an expiry date of 28 January 2023. I take it that the January date is my new date for the 90 day report but would appreciate any advice in this regard. I note that the visa stamp says I was "admitted" on 31 October 2022
    Reply

  10. Nick says

    Hi Guys
    I have an OA visa...I did annual renewal this March..so looking at the end in march next year.
    I have now made the permanent move to Thailand.
    I am 56.
    I "married" my partner at Xmas...full family Issaan wedding with Sin sot but we did not do any legal paperwork at the time. Have all my divorce paperwork here now so will do that soon.
    I am slightly confused about marriage visa and retirement visa and what I should be doing now...OA visa can only be renewed once?
    So now need to apply for O visa?
    Or is there an actual marriage visa.
    Do we need to get married? Neither of us in great desire to rush to gov office but also neither of us against marriage..just we both had difficult ones and are very happy together...had more important stuff to do this year on farm!!
    I have had a thai bank account for 2 years and can do the financial checks ok.
    We own our own house.
    Could you just clarify what my options are...thai friends are muddying the waters...everyone is an immigration expert it seems!!!!
    Thank you
    PS great website
    Reply

    • Max says

      To "kill" the O-A you must leave the country without a re-entry permit and come back again on a 30(45) days visa exempt or a 60 days tourist visa. You can then change to a 90 days Non-immigrant O at the local immigration office, or even better return on a 90 days Non-immigrant O Visa based on retirement. Then you can apply for a 1 year extension after 60 days.That's by far the best option. Less visits at immigration.
      You must be officially married to be able to use the marriage option,meaning you need to visit the district office (amphoe) where you got married and registered the wedding.
      You can extend the permission of stay based on retirement on an initial O-A annualy same as with the O. But if you go for the O, you won't need a health insurance. You need 400k in the bank if you go for the marriage option and 800k for the retirement option.
      Reply

      • Nick says

        Thank you for the reply...but why do I need to kill the visa...it will expire in 5 months?
        Secondly you mentioned extending the OA annually which I thought could only be done once..which I stated I had already done?
        Thirdly you talk about o visa then talk about Marriage or retirement OPTIONS so are you saying there are different versions of o visa? If so this is where the confusion is arising. I would have assumed the different visa options would have different names?
        Reply

        • Max says

          You can extend your permission of stay based on an initial O-A Visa as many times as you want. BUT, you must also have a 100,000USD or 3 million baht insurance when you extend your stay next year,and it's not free.
          A visa is what you have to be able to enter a country,but at the same moment it's used,and you're on a permission of stay. The only visa options for retirees or people that are married are: 90 days Non-immigrant O based on marriage, 90 days Non-immigrant O based on retirement and two Long stay visas based on retirement, the O-A and the O-X. These are the official "names". This is not hard to understand. Don't confuse a visa with a permission of stay. But,as I said earlier,if you want to do same as thousands of retirees have done this year prior to October 1, change from the initial O-A to O, then you must kill it by leaving the country without a re-entry permit and start all over again as I explained earlier. If not, stay with your O-A and pay a lot of money for the mandatory health insurance next year. I don't know who you've been talking to,but your O-A will not expire unless you're on overstay in March next year. So, you have a few months to think it over. It's basically just about money.
          Reply

          • Nick says

            Thank you Max that is a little clearer!
            Can I ask about the health insurance bit?...Do most people not bother with health insurance then? Obviously I started the OA visa during covid and travelled in and out quite a few times and huge ins at the time was a requirement along with the fun quarrentines.
            I am happy to pay for annual health insurance..last one was just a few £00 quid...as I had no real option i just paid for it.
            I have not seen anywhere that the OA visa goes on after 2 years...and if Health Ins is the only issue I am unsure why I would not just stay with it...I cannot kill it anyway as have multi entry.
            I just want least hassle for next 5 years then apply for citizenship.
            Thank you for your response.
            Reply

            • Max says

              You didn't pay for a USD100,000 or 3 million baht insurance last time. This new amount came into effect October 1 this year and you'll have to pay to a Thai insurance company. When you're on an O visa/extension, and you want an insurance you don't need that kind of coverage. You can pick one that suits you. The mandatory insurance is forced on you. To be honest, it's not very smart to go for an O-A and I have a hard time understanding how come you don't know how it works. The multi entry doesn't last forever,I think just the first year, and if you leave the country just before it expires, you get the second year for free when you re-enter. After that it works exactly same as an O,except for the mandatory health insurance when you apply for the 1 year extension. I also think you have misunderstood the citizenship part. I think you're confusing it with the PR-visa = Permanent Residency Visa. It's not something Thai authorities give away just because you're a nice guy. You better read up on it. It's harder to achieve than you think.
              Reply

              • Nick says

                I think your response is quite rude.

                I do not indeed currently have 3 Mill Baht insurance...I have 3.5 Million, the previous year I had 10 Mill. So please do not tell me what i do or do not have without any knowledge. Happy to send photo if you want.
                It is with a Thai insurance company recommended by immigration. It cost less than £300.

                Why do you say I do not understand how OA works?
                There appear to be numerous gaps in your knowledge
                I have been using one for 18 months and made 7 trips on it. I only did not understand the fact it can be renewed after 2 years as I have not seen that in writing anywhere.
                My renewal has multi entry as I requested it.
                I have been very busy on other projects and as i have a current visa working fine I have not devoted large amounts of time to march 2023. This was my first port of call to get an idea what other people have done. I will do my own research and get a Thai lawyer on the case at Christmas.


                The thing I asked you was what are people doing about their own health insurance ? Are people on O visas not bothering with health insurance then?
                I will have health insurance whether it is a requirement or not...hence my confusion on why not to just keep my current visa and not jump through new hoops for a differnt visa that does the same job.
                If it is purely financial based on the insurance cost ...that is not an issue for me.

                Finally Citizenship...why make a comment about being "a nice guy"? Utterly unnecessary on your part considering you know nothing about me.
                I have not asked for anyone's help on this. I know exactly what I need and have a 5 year plan to achieve it, thank you very much. You want to have a wager on my success? I am happy to put up cash into an escrow account for 5 years if you like? You name the amount....
                Reply

              • Max says

                First: You said an O-A Visa last 2 years and it will then expire, which it never does. Fyi, a visa is never renewed, your stay is extended. You're on a permission of stay, nothing else. That tells me you don't know how it works. Second: I told you about insurances. It's a huge difference between an insurance that's forced on you and an insurance you pick yourself after your needs. Why do you think thousands of expats have gone from O-A to O the last year? Third: A citizenship is not same as a Permanent Residency. A gentle piece of advice, knowing the correct terminology makes everything easier. I have been living in Thailand many years and there's not much I don't know about how everything works.
                Reply

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