Thailand · Retire or live on savings
Thailand Retirement O-X (10 years)
Income needed: ฿1.2M+ a year ≈ $36k
Non-Immigrant Visa Category O-X (Long Stay, 10 years)
First checked against official sources on Change log
Key facts
Retirement O-X (10 years) is a retire or live on savings route for Thailand. Applicants need income of ฿1.2M+ a year ≈ $36k. You can stay 5 yrs, renewable. Local work: limited. Checked 2026-10-11 against the official source.
- Money needed
- ฿1.2M+ a year ≈ $36k
- Government fees
- ฿10k ≈ $300
- First stay
- 5 yrs
Cost, time and long term
To apply: government fee ฿10k ≈ $300; income to show ฿1.2M+/yr ≈ $36k. No lawyer or agent fee is included.
Government fees฿10k ≈ $300
- THB 10,000 (≈ $300)Visa fee stated by the Department of Consular Affairs.
Shown, not spent฿3M+ ≈ $89k · +3 more
- THB 3,000,000 (≈ $89,200)Option A: fixed deposit in a Thai bank located in Thailand, kept for at least one year.
- THB 1,800,000 (≈ $53,500)Option B: fixed deposit in a Thai bank together with annual income of at least THB 1.2 million (≈ $35,700); deposits must reach THB 3 million (≈ $89,200) within one year.
- THB 1,500,000 (≈ $44,600)Balance to keep in the account after the first year; withdrawals only for expenses in Thailand such as medical care, a condominium, a vehicle or children's education.
- THB 1,200,000 a year (≈ $35,700)Option B annual income, with a deposit of at least THB 1.8 million (≈ $53,500).
RenewalRenewable
Stay is granted 5 years at a time within a 10-year visa, subject to annual checks of the deposit and insurance.
Department of Consular Affairs, Ministry of Foreign Affairs of Thailand
Where to applyAbroad or in-country
Apply through the Thai e-Visa system abroad or at the Immigration Bureau in Thailand.
Department of Consular Affairs, Ministry of Foreign Affairs of Thailand
Presence rulesStay rule
Holders report every 90 days and Immigration rechecks the qualifications each year.
Department of Consular Affairs, Ministry of Foreign Affairs of Thailand
Why this route may not fit
Check this before you apply.
- Work rights are limited
- Only for passports from 14 countries
- Only from age 50
What you'll need
Who can apply4
- The applicant is aged 50 or over and holds the nationality and passport of an eligible country.
- The applicant has no security concern and none of the prohibited diseases.
- A spouse and children under 20 may accompany on their own O-X applications.
- The spouse needs an eligible nationality; otherwise another visa category applies.
What you must show7
- Option A is a fixed deposit of at least THB 3 million (≈ $89,200) in a Thai bank in Thailand, kept for at least one year.
- Option B is a fixed deposit of at least THB 1.8 million (≈ $53,500) plus annual income of at least THB 1.2 million (≈ $35,700).
- Under option B, deposits must reach THB 3 million (≈ $89,200) within one year.
- After the first year the balance must stay at THB 1.5 million (≈ $44,600) or more.
- Withdrawals are allowed only for expenses in Thailand such as medical care, a condominium, a vehicle or children's education.
- Thai health insurance with outpatient cover of at least THB 40,000 (≈ $1,190) and inpatient cover of at least THB 400,000 (≈ $11,900) covers the whole stay.
- The visa fee is THB 10,000, (≈ $300) as stated by the Department of Consular Affairs.
Documents1
- Documents are a bank certificate and statements, a criminal record certificate and a medical certificate.
Steps1
- Apply through the Thai e-Visa system abroad or at the Immigration Bureau in Thailand.
After you arrive3
- Immigration rechecks qualifications each year.
- Permission ends if the balance falls below THB 3 million (≈ $89,200) after the first year or below THB 1.5 million (≈ $44,600) in later years.
- Permission also ends for non-qualifying withdrawals, no insurance, or unauthorised work.
What happens at day 180
How Thailand decides tax residence and treats foreign-source income, from its tax records.
- Stay on this route
5 years at first, renewable
- Tax residence
- At least 180 days in a tax year in which the income is earnedResident for Revenue Code section 41 purposes.
- Foreign-source income
Remittance basis (from 2024)
Foreign-source assessable income earned from 1 January 2024 is taxed in Thailand in the year it is brought into the country; income earned before 2024 is not taxed even if brought in later.
All tax rules for Thailand Tax records checked
What you need to arrange
- Health insurance
Thai health insurance with outpatient cover of at least THB 40,000 (≈ $1,190) and inpatient cover of at least THB 400,000 (≈ $11,900) covers the whole stay
- Bank account / funds
Option A is a fixed deposit of at least THB 3 million (≈ $89,200) in a Thai bank in Thailand, kept for at least one year
- Police certificate and civil documents
Documents are a bank certificate and statements, a criminal record certificate and a medical certificate
Taken from this route's requirements above. The authority's own list is the one that counts.
Full official text
Ten-year multiple-entry long-stay visa for applicants aged 50+ from eligible nationalities who keep a Thai-bank deposit, hold Thai health insurance and report annually; work is prohibited. 1
What you must show and pay
- Savings of at least THB 3,000,000 (≈ $89,200) · Option A: fixed deposit in a Thai bank located in Thailand, kept for at least one year. 1
- Savings of at least THB 1,800,000 (≈ $53,500) · Option B: fixed deposit in a Thai bank together with annual income of at least THB 1.2 million (≈ $35,700); deposits must reach THB 3 million (≈ $89,200) within one year. 1
- Savings of at least THB 1,500,000 (≈ $44,600) · Balance to keep in the account after the first year; withdrawals only for expenses in Thailand such as medical care, a condominium, a vehicle or children's education. 1
- Income of at least THB 1,200,000 a year (≈ $35,700) · Option B annual income, with a deposit of at least THB 1.8 million (≈ $53,500). 1
- A fee of THB 10,000 (≈ $300) · Visa fee stated by the Department of Consular Affairs. 1
Requirements
- The applicant is aged 50 or over and holds the nationality and passport of an eligible country. 1
- The applicant has no security concern and none of the prohibited diseases. 1
- A spouse and children under 20 may accompany on their own O-X applications. 1
- The spouse needs an eligible nationality; otherwise another visa category applies. 1
- Option A is a fixed deposit of at least THB 3 million (≈ $89,200) in a Thai bank in Thailand, kept for at least one year. 1
- Option B is a fixed deposit of at least THB 1.8 million (≈ $53,500) plus annual income of at least THB 1.2 million (≈ $35,700). 1
- Under option B, deposits must reach THB 3 million (≈ $89,200) within one year. 1
- After the first year the balance must stay at THB 1.5 million (≈ $44,600) or more. 1
- Withdrawals are allowed only for expenses in Thailand such as medical care, a condominium, a vehicle or children's education. 1
- Thai health insurance with outpatient cover of at least THB 40,000 (≈ $1,190) and inpatient cover of at least THB 400,000 (≈ $11,900) covers the whole stay. 1
- The visa fee is THB 10,000, (≈ $300) as stated by the Department of Consular Affairs. 1
- Documents are a bank certificate and statements, a criminal record certificate and a medical certificate. 1
- Apply through the Thai e-Visa system abroad or at the Immigration Bureau in Thailand. 1
- Immigration rechecks qualifications each year. 1
- Permission ends if the balance falls below THB 3 million (≈ $89,200) after the first year or below THB 1.5 million (≈ $44,600) in later years. 1
- Permission also ends for non-qualifying withdrawals, no insurance, or unauthorised work. 1
Stay
- Multiple-entry visa validity 5 + 5 years (10 years); stay is granted 5 years at a time subject to annual checks and 90-day reporting.
- Initial permitted stay: 60 months.
- Visa validity: 120 months. Validity is the window to use the visa, not the length you may stay.
- Renewable, subject to the conditions in force at renewal.
Nationality
Age 50+ and nationality and passport of one of the 14 countries on the Ministry of Foreign Affairs list: United Kingdom, Australia, Denmark, Finland, France, United States, Italy, Norway, Sweden, Japan, Canada, Germany, Netherlands, Switzerland. Open to: Australia, Denmark, Finland, France, Germany, Italy, Japan, Netherlands, Norway, Sweden, Switzerland, United Kingdom, Canada, United States.
Work
Employment is not permitted; volunteer work only if separately approved.
Family
Eligible legal spouse and children under 20 may apply separately with relationship documents; accompanying status ends if principal’s permission ends. Your spouse or partner may not work in Thailand on this visa.
Official sources
- Long-stay O-X visa (10 years): eligibility, financial-maintenance and family rules · Department of Consular Affairs, Ministry of Foreign Affairs of Thailand · checked 2026-10-10 · published 2025-12-23
Retirement O-X (10 years) and its alternatives
| Route | Money needed | Stay | Work |
|---|---|---|---|
| Retirement O-X (10 years) | Needs income of ฿1.2M+ a year ≈ $36k | 5 yr, renewable | Limited |
| LTR · Wealthy Pensioner | Needs income of $80k+ a year | 5 yr, renewable | – |
| Thailand Privilege (PE) | Fee from ฿650k ≈ $19k | 1 yr | With a permit |
| Retirement O-A (1 year) | Needs income of ฿65k+ a month ≈ $1,930 | 1 yr, renewable | No |
| Long-stay visitor (JPY 30M) Japan | Needs savings of ¥30M+ ≈ $189k | 1 yr | Limited |
Questions people ask
How much money do I need for the Retirement O-X (10 years)?
Savings of at least THB 3,000,000 (≈ $89,200). Option A: fixed deposit in a Thai bank located in Thailand, kept for at least one year. Savings of at least THB 1,800,000 (≈ $53,500). Option B: fixed deposit in a Thai bank together with annual income of at least THB 1.2 million (≈ $35,700); deposits must reach THB 3 million (≈ $89,200) within one year. Savings of at least THB 1,500,000 (≈ $44,600). Balance to keep in the account after the first year; withdrawals only for expenses in Thailand such as medical care, a condominium, a vehicle or children's education. Income of at least THB 1,200,000 a year (≈ $35,700). Option B annual income, with a deposit of at least THB 1.8 million (≈ $53,500).
How long can I stay on the Retirement O-X (10 years)?
Multiple-entry visa validity 5 + 5 years (10 years); stay is granted 5 years at a time subject to annual checks and 90-day reporting.
Can I work on the Retirement O-X (10 years)?
Limited. Employment is not permitted; volunteer work only if separately approved.
Can I bring my family on the Retirement O-X (10 years)?
Eligible legal spouse and children under 20 may apply separately with relationship documents; accompanying status ends if principal’s permission ends.
Who can apply for the Retirement O-X (10 years)?
Age 50+ and nationality and passport of one of the 14 countries on the Ministry of Foreign Affairs list: United Kingdom, Australia, Denmark, Finland, France, United States, Italy, Norway, Sweden, Japan, Canada, Germany, Netherlands, Switzerland. Open to: Australia, Denmark, Finland, France, Germany, Italy, Japan, Netherlands, Norway, Sweden, Switzerland, United Kingdom, Canada, United States.
How are Retirement O-X (10 years) holders taxed in Thailand?
No special regime in our records is tied to the Retirement O-X (10 years). The standard rules apply: A person present in Thailand for 180 days or more in a tax year is a Thai tax resident. Foreign-source assessable income earned from 1 January 2024 is taxed in Thailand in the year it is brought into the country; income earned before 2024 is not taxed even if brought in later.
More in Thailand
Retirement and live-on-savings visas elsewhere
≈ USD figures are approximate: daily reference rates from ExchangeRate-API, dated 12 Oct 2026, refreshed when the site is updated.
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How this was checked
Checked on 2026-10-11 against 1 official source. Status: verified against the official sources.
Every figure on this page comes from the official source it links to. The record was researched against these sources, then reviewed separately, with special attention to effective dates and amendments. Where a source does not state something, the page leaves it out.
- Long-stay O-X visa (10 years): eligibility, financial-maintenance and family rules · Department of Consular Affairs, Ministry of Foreign Affairs of Thailand · checked 2026-10-10
Tracked since 2026-10-10. Rule changes and corrections are listed on the changes page, and the methodology page explains how facts are checked. Found something out of date? Email contact@stayglobe.app with a link to the official source.