Thailand Retirement Visa 2026 — Non-O, O-A, O-X

Where people get it wrong

01
30 days visa-free is not much time.

You can switch to a Non-O only while more than 15 days remain on your permitted stay and you have not overstayed. On a 30-day visa-free entry, that means applying within your first two weeks.

Source: Thai Immigration Bureau
02
The money has to be seasoned.

For a one-year extension, the 800,000 THB must sit in a Thai bank account for at least 2 months before you apply and 3 months after approval. After that, the balance must not drop below 400,000 THB.

Source: Thai Immigration Bureau
03
An O-A needs 3 million THB of insurance.

Your policy must cover at least 100,000 USD or 3,000,000 THB for your whole stay. You need it both to get an O-A and for every extension based on it.

Source: Thai Immigration Bureau; Royal Thai Embassy in Washington, D.C.
04
The account must be in your name only.

The bank letter and passbook must be in the applicant's name. Renting a deposit or using someone else's statements puts you at risk of refusal and legal liability. We do not use such schemes.

Source: Thai Immigration Bureau

Who can get a retirement visa

Conditions set by the Thai Immigration Bureau and Ministry of Foreign Affairs. Checked on 17 October 2026.

Requirements change. We check them against official sources before every application.

Aged 50 or over on the day you apply

Your age counts on the application date. Employment of any kind is prohibited on an O-A retirement visa.

Source: Royal Thai Embassy in Washington, D.C.
Funds: one of three options

A deposit of at least 800,000 THB in a Thai bank, or income of at least 65,000 THB a month, or yearly income plus a deposit totalling at least 800,000 THB on the application date.

Source: Thai Immigration Bureau
How long the deposit must stay

The deposit stays in the account for at least 2 months before you apply and 3 months after approval. After that you can withdraw, but the balance must not fall below 400,000 THB.

Source: Thai Immigration Bureau
Health insurance for O-A holders

Cover of at least 100,000 USD or 3,000,000 THB for your whole stay. A Thai policy is bought online at longstay.tgia.org. A foreign policy must be certified by your country's embassy in Thailand, or carry a notarised signature. In the immigration rules, the insurance requirement applies to O-A holders only.

Source: Thai Immigration Bureau
O-A from abroad

You apply online through the e-Visa system in your country of nationality or permanent residence. You need a police clearance and a medical certificate, both no older than 3 months. Embassies charge the fee in local currency: 200 USD in Washington.

Source: Royal Thai Embassy in Washington, D.C.
O-X for 5 + 5 years — selected nationalities only

The Thai Ministry of Foreign Affairs lists 14 countries: Japan, Australia, the UK, the US, Canada, Germany, France, Italy, the Netherlands, Switzerland, Denmark, Norway, Sweden and Finland. Some consulates publish a longer list, so we check it for your nationality. A deposit of at least 3,000,000 THB, or at least 1,800,000 THB plus annual income of at least 1,200,000 THB. Health insurance from a Thai insurer is required.

Source: Ministry of Foreign Affairs of Thailand; Royal Thai Consulate-General, Los Angeles
Report every 90 days

You confirm your address online, by post or at immigration, from 15 days before the due date to 7 days after. Missing it costs a 2,000 THB fine, or 5,000 THB if you are arrested.

Source: Thai Immigration Bureau
Re-entry permit

Before you travel, get a re-entry permit (form TM.8) at immigration or at the airport on the day you leave: 1,000 THB for single, 3,800 THB for multiple. Without it, your permission to stay ends when you leave.

Source: Bangkok Immigration

Which visa fits you

01
Non-O in Thailand + one-year extension

You are already in Thailand visa-free or on a tourist visa.

Timeline
2–3 months

Our fee
from 35,000 THB

Choose
02
O-A from your home country

Apply through e-Visa where you are a citizen or resident. You need insurance, a police clearance and a medical certificate.

Timeline
3–6 weeks

Our fee
from 30,000 THB

Choose
03
O-X for 5 + 5 years

For citizens of selected countries, including the UK, the US, Germany and Japan. A deposit from 3 million THB, or 1.8 million THB plus 1.2 million THB a year in income.
Choose
04
Need another option?

We'll compare it with LTR and Thailand Privilege.
Learn more

Documents for a retirement visa

Switching to a Non-O in Thailand

Form TM.87 (visa-free entry) or TM.86 (tourist visa)
Passport copies: photo page, entry stamp, any extension stamps
One 4×6 cm photo
Passbook and a letter from a Thai bank, in Thai: deposit of at least 800,000 THB, in your name only, dated the day you apply
Proof that the money was transferred from abroad
Or a letter from your embassy confirming a pension of at least 65,000 THB a month, with proof of the income source
Lease or condominium purchase agreement, a copy of the house registration, a location map of your home and 3 months of rent receipts
Proof of residence notification (TM.30)

One-year extension

Form TM.7 and a 4×6 cm photo
Copy of your passport with all stamps
Thai bank letter and passbook copy: 800,000 THB held for at least 2 months
If you apply on income: proof of income, such as pension, interest or dividends
O-A holders: health insurance policy — Thai from longstay.tgia.org, or foreign with certification by your country's embassy in Thailand or a notary

O-A from abroad (e-Visa)

Passport valid for at least 18 months
Photo taken within the last 6 months
Proof of residence in the country where you apply
3 months of bank statements showing at least 800,000 THB plus a bank letter — or proof of income of at least 65,000 THB a month
Police clearance issued within the last 3 months
Medical certificate no older than 3 months, on the form your embassy requires
Health insurance of at least 3,000,000 THB or 100,000 USD; for a foreign policy, a Foreign Insurance Certificate from the insurer

These lists follow the checklists of the Thai Immigration Bureau, the Ministry of Foreign Affairs and Thai embassies. At immigration you must apply in person and sign every page of your copies. Some immigration offices ask for extra documents. Thailand has joined the Apostille Convention, but it only takes effect for Thailand on 28 February 2027 — until then, foreign certificates are authenticated the existing way. Send us your documents and we'll check them before you apply.

Send documents for a check

Retirement visa prices

Approximate exchange rate

One-year extension

Our fee

16,000 THB

Government fee (paid separately)

1,900 THB (extension, TM.7)

Total

฿17,900
- Check of your statements and deposit timing
- List of letters to request from your bank, and the immigration file
- Completing form TM.7
- Going with you to immigration
- Reminder for your next extension
Timeline: 1–2 weeks
Choose this package
Most popular
Non-O in Thailand + extension

Our fee

35,000 THB

Government fee (paid separately)

2,000 THB (change of status) + 1,900 THB (extension)

Total

฿37,000
- Check of your stamp and deadline for the switch
- Funds plan: when to transfer the 800,000 THB
- Form TM.87 or TM.86 and the document file
- Going with you to immigration at both stages
- Your first 90-day report
Timeline: 2–3 months
Choose this package
O-A or O-X from abroad

Our fee

from 30,000 THB

Government fee (paid separately)

Consular fee at the embassy's rate
- Choosing the visa and the embassy
- Check of statements, certificates and insurance
- Help completing the e-Visa application
- Support until the decision
Timeline: 3–6 weeks
Choose this package

Pay in stages

30% at the start, 70% after the result. Longer projects are paid by contract stages.

Guarantee

If an application is refused because of our mistake, we refund our fee in full. We guarantee the process, not the authority's decision.

20+ years in Thailand
50 years minimum age on the day you apply
800,000 THB in the bank or 65,000 a month

We work with

Immigration Bureau
Department of Business Development (DBD)
Revenue Department
Ministry of Labour
Banks

Step 1

Request

Take the quiz or message us. We reply within 15 minutes.
Step 2

Case review

We look at your stamp, nationality, savings and income, and offer a Non-O, O-A or O-X with prices.
Step 3

Funds and documents

We tell you when to transfer the money and which letters to get from the bank. Checklist sent on Telegram.
Step 4

Immigration or e-Visa

We go with you to immigration — you must apply in person. Or we help you complete your e-Visa application from your home country.
Step 5

One-year extension

We prepare form TM.7 and the document file and file it with you. Immigration makes the decision.
Step 6

Reminders

90-day reports, re-entry and your next extension — tracked in our Telegram bot.

Step 1 of 5 · Location

LocationPurposeTermCitizenshipContacts

Where are you now?

Pick one — the next question opens automatically

Confidential
Reply within 15 minutes
Price before we start

How we differ from a typical agent

Criterion	Sabai Legal	Typical agent
Price	Fixed, published on the site	"Message us and we'll quote"
Government fees	Shown as a separate line	Hidden in the total
Payment	In stages	100% upfront
Company structure	Legal, no nominees	Nominee shareholders
Response	15 minutes, 7 days a week	"On business days"
Case status	In a Telegram bot	Only by phone
Language with authorities	Thai, in person	Through an interpreter

Frequently asked questions

How old do I need to be?

50 or over on the day you apply. If you are younger, we will find another option: a DTV, an education visa or a marriage visa.

Can I get the visa without leaving Thailand?

Yes. If you entered visa-free or on a tourist visa, you can switch to a Non-O at immigration. You must apply while more than 15 days remain on your stay and without any overstay. The fee is 2,000 THB and you can be allowed to stay for up to 90 days. Then we apply for a one-year extension, with a 1,900 THB fee.

Do I need health insurance?

For an O-A, yes: at least 100,000 USD or 3,000,000 THB for your whole stay, including at extension. If insurers refuse you in full or in part, immigration accepts a deposit of at least 3,000,000 THB held in a Thai account for at least 2 months before you apply, or a deposit plus other insurance totalling that amount, with proof of the refusal. In the immigration rules, the insurance requirement applies to O-A holders only — there is none for extensions based on a Non-O. An O-X needs a policy from a Thai insurer.

Can I withdraw money from the account?

For the first 3 months after approval, 800,000 THB must stay in the account. After that you can spend it, but the balance must not drop below 400,000 THB. Before your next extension, the account must hold 800,000 THB again for at least 2 months before you apply.

Can I use my pension instead of a deposit?

Yes, if it is at least 65,000 THB a month. Immigration accepts a letter from your embassy or consulate confirming the pension, with proof of where the income comes from. Many offices also ask for 12 months of Thai bank statements showing monthly transfers from abroad. Income is counted in baht, so leave a margin for exchange rates.

Can I work on a retirement visa?

No. Working in Thailand on a retirement visa is prohibited. To work, you need a Non-B visa and a work permit — see our Work permit service.

What is the 90-day report?

Every 90 days of your stay you confirm your address with immigration: online, by post, in person or through an authorised person. You can file from 15 days before the due date to 7 days after. Missing it costs a 2,000 THB fine, or 5,000 THB if you are arrested. We remind you and can file the report for you.

What happens if I leave Thailand?

Before you leave, get a re-entry permit: 1,000 THB for single entry, 3,800 THB for multiple. Without it, your one-year extension ends when you leave and you have to start again.

Do I pay tax on my pension?

If you spend 180 days or more a year in Thailand, you are a tax resident. Since 1 January 2024, foreign income that a resident brings into Thailand is taxable. A lot depends on the double tax treaty with your country — we cover this in our Personal tax service.

What if my spouse is under 50?

A spouse who does not qualify for an O-A can apply for an O visa as an accompanying dependant. You need a notarised marriage certificate. If your spouse is a Thai citizen, see our marriage visa service.