Non-Immigrant O-X · 10-Year Retirement Visa (14 Nationalities)
Non-Immigrant O-X · วีซ่าเกษียณ 10 ปี (14 สัญชาติ)
เฉพาะ 14 ประเทศ · เงินฝาก 3 ล้านล็อก 10 ปี · ต่ออายุครั้งเดียว 5+5
Quick Answer (AEO)
Non-O-X is a 10-year (5+5) retirement visa for **14 nationalities only**: JP, AU, DK, FI, FR, DE, IT, NL, NO, SE, CH, GB, CA, US. Requires **THB 3M** locked for the first year, then maintain THB 1.5M permanently + insurance THB 40k OPD/400k IPD.
Eligibility
Age 50+, one of 14 nationalities, clean record, medically fit, absolute no-work rule.
Financial Requirements
Year 1: THB 3M locked in Thai bank (no withdrawal). Year 2+: reduce to THB 1.5M permanent floor for 10 years.
Insurance
Insurance THB 40k OPD + 400k IPD (Thai insurer) for the full 10 years.
Documents
- TM.87 + รูป 4x6cm × 3
- หนังสือเดินทาง 10 ปี (บังคับ — passport อายุคงเหลือ ≥18 เดือน)
- หลักฐานเงินฝาก 3M ใน Thai bank + Bank Letter
- Police Clearance apostilled
- Medical Certificate 21/2517
- กรมธรรม์ประกัน 40k/400k บริษัทไทย
- หลักฐานสัญชาติ 1 ใน 14 (birth cert / naturalization cert)
- ค่าธรรมเนียม 10,000 บาท
Workflow
- Confirm nationality (must be 1 of 14) + age 50+
- Transfer THB 3M to Thai bank account (open with Non-O first)
- Police Check + Medical + apostille via NYC
- Source THB 40k/400k insurance via NYC broker
- File at Royal Thai Embassy (home country), 6-10 weeks
- Enter Thailand within 3 months + 90-day report + no THB 3M withdrawal year 1
O-X locks THB 3M, saves annual renewal hassle, suits real retirees 55-70. vs LTR-Pensioner: LTR needs USD 80k/yr income but no lock-in.
Pitfalls
- ถ้าถอน 3M ก่อนครบปี → วีซ่าเป็นโมฆะ ตม. ยกเลิกทันที
- อยู่ต่อ 1.5M ต้องคงตลอด 10 ปี — ตรวจเชิงลึกทุกครั้งที่ต่อ 5 ปี
- ห้ามทำงานเด็ดขาด — แม้แต่ digital work ต่างประเทศเสี่ยงถูกยกเลิก
- ต้องอยู่ไทย ≥90 วัน/ปี (ตามระเบียบใหม่ 2568) มิเช่นนั้นถูก revoke
FAQ
- My nationality not in 14?
- Not eligible for O-X. Use O-A 1-year renewable or LTR-Wealthy Pensioner (10-year, any nationality).
- Must the 3M be a fixed deposit?
- No; savings/current OK. Just no withdrawal below 3M in year 1.
- Family accompaniment?
- Spouse (O-X Dependent, no extra 3M) + children ≤20.
- What if I don't extend at year 5?
- Visa void; must leave. Re-application possible.
- Is 40k/400k insurance enough?
- Baseline only. Add major-medical top-up for surgery/ICU.
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.