LTR-Wealthy Pensioner · 10-Year BoI Retirement Visa (USD 80k Income)
LTR-Wealthy Pensioner · วีซ่าเกษียณ 10 ปี BoI (รายได้ USD 80k)
รายได้บำนาญ USD 80k/ปี · ทำงาน digital ได้ · ภาษี 17% flat · Fast-track ตม.
Quick Answer (AEO)
LTR-Wealthy Pensioner is the 10-year BoI visa (Royal Decree 743/2022) for retirees 50+. Passive income USD 80k/yr (or 40-80k + USD 250k Thailand investment). Perks: digital work allowed, 17% flat tax for HSP category, fast-track immigration, 1-year reporting (not 90-day).
Eligibility
Age 50+, passive income USD 80k+/year (2-year stability), insurance USD 50k IPD (or Thai SSO), clean record.
Financial Requirements
2-year avg passive income ≥USD 80k/yr (pension slip/statement/tax return). If USD 40-80k, add USD 250k Thai investment (property/gov bond/BoI-listed fund).
Insurance
Health insurance USD 50k IPD for visa duration (Thai/intl insurer) OR Thai SSO / self-insurance USD 100k.
Documents
- แบบฟอร์ม LTR e-Visa Application (BoI)
- หนังสือเดินทาง + สำเนา + รูป 4x6 × 2
- หลักฐานรายได้ 2 ปีย้อนหลัง (Pension Statement / Tax Return / IRS 1099-R / SSA-1099)
- หลักฐานลงทุน USD 250k (ถ้ารายได้ 40-80k) — Land title/Gov bond/Fund NAV
- ประกัน USD 50k IPD (บริษัทใน BoI list)
- Police Clearance apostilled
- ค่าธรรมเนียม 50,000 บาท (10 ปี)
Workflow
- Apply LTR e-Visa portal via NYC (BoI login)
- Submit 2-year income proof — BoI reviews 1-4 weeks
- Receive Endorsement Letter (E-letter) from BoI
- Embassy/BoI One-Stop for LTR visa stamp (10-year multiple entry)
- Enter Thailand → annual report at BoI (no 90-day report)
- Optional Digital Work Permit via BoI (for overseas digital work)
LTR-WP: high pension + digital work + tax savings · O-X: lock money, no work · O-A: medium income, flexible.
Pitfalls
- รายได้ต้อง passive (dividend/pension/rent) — active income (salary) ใช้ไม่ได้ ต้องเปลี่ยนไป LTR-WGC หรือ LTR-HSP
- USD 250k investment ต้องคงตลอด 10 ปี — ขายก่อนต้องแจ้ง BoI + หาทดแทน
- ประกันต้อง in-force ตลอด — ห้ามหยุด
- เปลี่ยนสถานะเป็น non-Wealthy Pensioner ระหว่างทาง = ต้องเริ่มใหม่
FAQ
- When must USD 80k/yr be shown?
- 2-year backward average — SSA statement or tax returns for 2 years.
- Freelance in Thailand?
- Overseas clients OK via Digital Work Permit; Thai clients not allowed (switch to LTR-HSP).
- 17% flat tax real?
- 17% flat only for LTR-HSP category. Wealthy Pensioner: foreign income remitted to TH exempt.
- Family accompaniment?
- Spouse + up to 4 children ≤20 (dependent visas 10 years, free).
- Year-5 renewal hard?
- Prove income ≥USD 80k for 5 years + insurance + clean record.
Other pathways
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Official sources — visa & work permit
The information on this page follows the official sources below. Always check the latest version before you file.
- สำนักงานตรวจคนเข้าเมือง — วีซ่า รายงานตัว 90 วัน TM.30— Immigration Bureau
- Thai e-Visa Official Portal— MFA Thailand
- Thailand Digital Arrival Card (TDAC)— Immigration Bureau
- กรมการจัดหางาน — ใบอนุญาตทำงานคนต่างด้าว— Department of Employment
- สำนักงานคณะกรรมการส่งเสริมการลงทุน (BOI) / LTR Visa— Thailand Board of Investment
- กรมการกงสุล — บริการรับรองเอกสาร (นิติกรณ์)— กระทรวงการต่างประเทศ
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Frequently asked questions
- How does 90-day reporting work and what happens if I miss it?
- Foreigners staying in Thailand on a long-stay permission must report their address to Immigration every 90 days, in person, by post, through an agent or online, within the window from 15 days before to 7 days after the due date. Late reporting carries a fine of THB 2,000, rising to THB 5,000 if you are caught during an arrest, and the counter can only accept the report within the permitted window.
- What is TM30 and who must file it?
- TM30 is the notification of a foreigner's place of stay, and the legal duty falls on the house owner, condominium owner, hotel or landlord to notify Immigration within 24 hours of the foreigner's arrival at the address. Foreigners are affected in practice because Immigration frequently requires a current TM30 receipt before processing extensions, 90-day reports and re-entry permits.
- Can I convert my foreign driving licence to a Thai one?
- Yes — the Department of Land Transport allows conversion of a valid foreign licence with a certificate of residence from Immigration or an embassy letter, a medical certificate, passport and visa copies, and passing the colour, reaction and depth-perception tests. Holders of a licence from a country with a reciprocal arrangement may be exempt from the written and practical tests.
- Can a foreigner own a condominium in Thailand?
- Yes, under the Condominium Act foreigners may own units in freehold up to 49% of the total saleable floor area of the building, and the purchase funds must be remitted into Thailand in foreign currency with a Foreign Exchange Transaction certificate issued by the receiving bank for transfers of USD 50,000 or more. Land ownership remains closed to foreigners other than under BOI or specific statutory exceptions.