Thailand Retirement Visa (Non-Immigrant O / O-A)
Age 50+ 🌴 — iVC 2025
The Thai Retirement Visa comes in two forms: (1) Non-Immigrant O (Retirement) filed inside Thailand, granting 90 days initially and then a 1-year extension of stay at Immigration; (2) Non-Immigrant O-A filed at a Thai embassy in the applicant's country, granting 1-year multi-entry immediately but requiring mandatory health insurance. Both require age ≥ 50 + Thai bank deposit THB 800,000 (seasoned 2 months before + 3 months after approval) OR monthly income ≥ THB 65,000 OR a combination totalling THB 800,000. iVC handles both routes end-to-end including Bangkok Bank / Kasikorn account opening, TM.30 filings, and 90-day reports.
Quick answer: Thailand Retirement Visa (Non-Immigrant O / O-A) — Age 50+
"วีซ่าเกษียณ (Non-O / O-A) 50 ปีขึ้นไป · Fees THB 35,000–95,000. Suited to: Foreign nationals aged 50+ retiring in Thailand — both in-country applicants (Non-O 90-day → 1-year extension) and origin-country applicants (Non-O-A 1-year multi-entry with mandatory health insurance)."
- 01Non-O vs Non-O-A: which to choose?
- Non-O = filed in Thailand, 90-day first + convert to 1-year at Immigration, no mandatory insurance, cheap fee (THB 5,000). Non-O-A = filed at origin embassy, immediate 1-year multi-entry, mandatory insurance (40k/400k), fee USD 200. Already in Thailand → Non-O. Still abroad → Non-O-A.
- 02Do I need to keep THB 800k for the full year?
- No. Keep it seasoned 2 months before + 3 months after approval + maintain ≥ THB 400,000 for the rest of the year (RTP Order 26/2565). Top up back to 800k + season 2 months again before the next annual renewal.
- 03Which insurers qualify for Non-O-A?
- Only MOPH-accredited insurers listed at longstay.tgia.org. iVC typically recommends AXA Thailand, Cigna, April International, Pacific Cross — policy must explicitly state 'OPD 40k + IPD 400k'.
- 04US Embassy no longer issues income affidavits — now what?
- Since 2019 US Embassy stopped. iVC packages 'notarised affidavit + 12-month bank statement + Social Security award letter + pension statement' — accepted nationwide. Alternatively use the THB 800k deposit route.
แหล่งข้อมูล:iVC — International Visa Center · ข้อมูลปรับปรุง 2026
Eligibility
- 1.Age ≥ 50 at date of application
- 2.Thai bank deposit ≥ THB 800,000 seasoned 2 months before + 3 months after approval + ≥ THB 400,000 maintained thereafter
- 3.OR monthly foreign pension/income ≥ THB 65,000 (income letter from origin embassy)
- 4.OR combination: deposit + annualised income ≥ THB 800,000
- 5.Non-O-A only: health insurance covering OPD THB 40,000 + IPD THB 400,000 (per MFA Notification 3/2562)
- 6.Non-O-A only: Police Clearance Certificate + medical certificate (free of 6 prohibited diseases)
- 7.No serious criminal record
Documents required
- 📄Passport valid ≥ 18 months (O-A) or ≥ 6 months (O)
- 📄4x6 cm photos ×4
- 📄Bank book + bank letter confirming THB 800,000 balance
- 📄OR income affidavit from origin embassy (US Embassy stopped issuing in 2019 — use 12-month statement + notarised affidavit instead)
- 📄TM.7 extension form + TM.30 arrival notification
- 📄Lease / house registration or hotel booking
- 📄Non-O-A: certificate of health (no leprosy, TB, drug addiction, alcoholism, elephantiasis, tertiary syphilis)
- 📄Non-O-A: Police Clearance Certificate (apostilled)
- 📄Non-O-A: insurance policy stating OPD 40k + IPD 400k
Benefits
- ✓1-year stay renewable indefinitely (subject to continued age + funds)
- ✓90-day reporting (online via Immigration app)
- ✓Multi-entry (O-A) or re-entry permit (O) at THB 1,900/3,800 per year
- ✓Dependent spouse may apply as Non-O Dependent
- ✓No day-count minimum — stay year-round
- ✓Access to Thai bank accounts, condo purchase, and Thai driving licence (2-year → 5-year)
Compliance & Legal Basis
- §Immigration Act B.E. 2522, Section 34(7) — Non-Immigrant O (Retirement)
- §Royal Thai Police Order 327/2557 (amended 26/2565) — THB 800k / 65k/month threshold
- §MFA Notification 3/2562 — mandatory insurance for Non-O-A
- §TM.30 accommodation notice (Immigration Act §38)
- §TM.47 90-day reporting (Immigration Act §37(5))
Timeline / process
- Week 0iVC screens age, funds source, and route (Non-O for in-country / Non-O-A for origin country)
- Week 1Open Bangkok Bank / Kasikorn account + international transfer of THB 800k with FET / bank letter
- Month 2Seasoning + Non-O-A dossier (health cert, PCC, insurance)
- Month 3File at embassy (O-A) or Immigration (O) — fee THB 5,000 (O extension) or USD 200 (O-A embassy)
- Week 1 after filingO = 90-day stamp → convert to 1-year extension at Immigration; O-A = 1-year multi-entry immediately
- Every 90 daysiVC files TM.47 online + reminder 60 days before visa expiry
iVC Edge
- ★iVC partners with Bangkok Bank Silom + Ekkamai — expat accounts opened in 1 day (vs standard 2–4 weeks)
- ★US-Embassy affidavit workaround: iVC packages notarised affidavit + statement + Social Security award letter accepted nationwide
- ★Origin-country filing supported in 15 embassies (US, UK, Germany, France, Australia, Japan, etc.)
- ★End-to-end: 90-day reports, re-entry permits, yearly renewal, insurance renewal
- ★Free re-file if rejected
Red flags to avoid
- ⚠THB 800k must be 'international origin' (transferred from abroad) — domestic transfers sometimes rejected
- ⚠Funds must be seasoned 2 months before filing — earlier filing = auto-reject
- ⚠Non-O-A insurance must be from a MOPH-accredited insurer (list changes periodically)
- ⚠90-day report late by > 90 days = fine THB 2,000–5,000 + blocks visa extension
- ⚠US Embassy stopped income affidavits in 2019 — use deposit route or combination method
- ⚠Working is prohibited — even remote freelance is a grey zone, iVC advises using DTV or LTR instead if you need to work
Frequently asked questions
Non-O vs Non-O-A: which to choose?
Non-O = filed in Thailand, 90-day first + convert to 1-year at Immigration, no mandatory insurance, cheap fee (THB 5,000). Non-O-A = filed at origin embassy, immediate 1-year multi-entry, mandatory insurance (40k/400k), fee USD 200. Already in Thailand → Non-O. Still abroad → Non-O-A.
Do I need to keep THB 800k for the full year?
No. Keep it seasoned 2 months before + 3 months after approval + maintain ≥ THB 400,000 for the rest of the year (RTP Order 26/2565). Top up back to 800k + season 2 months again before the next annual renewal.
Which insurers qualify for Non-O-A?
Only MOPH-accredited insurers listed at longstay.tgia.org. iVC typically recommends AXA Thailand, Cigna, April International, Pacific Cross — policy must explicitly state 'OPD 40k + IPD 400k'.
US Embassy no longer issues income affidavits — now what?
Since 2019 US Embassy stopped. iVC packages 'notarised affidavit + 12-month bank statement + Social Security award letter + pension statement' — accepted nationwide. Alternatively use the THB 800k deposit route.
Can I work on a Retirement Visa?
No — neither in-country nor freelance in Thailand. For work, convert to Non-B + Work Permit (requires Thai sponsor). Remote work for foreign clients is a grey zone — iVC recommends DTV or LTR (WFTP) instead.
Does the spouse also need to be 50+?
No. The spouse files Non-O 'Dependent' — needs marriage certificate (apostilled + translated) + THB 400,000 extra funds. Children ≤ 20 may study but not work.
Can Retirement Visa lead to PR?
Requires Non-Immigrant visa (including O) held continuously 3 years + specific qualifying category (investor, expert, family, humanity). Pure retirement O usually does not qualify — often converted to O Marriage/Dependent. iVC offers PR pathway consulting.