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Thailand or Vietnam: Retirement choices

Thailand offers foreign retirees a clearer legal route to long-term residence than Vietnam, but Vietnam can cost considerably less for those able to manage more complicated visa arrangements. For people deciding where to spend retirement in Southeast Asia, the choice in 2026 often comes down to predictable paperwork and healthcare versus lower rent and daily spending.

Thailand has developed visa options specifically for retirement. The Non-Immigrant O visa allows foreigners aged 50 and above to stay for one or more years, when renewed, for retirement purposes.

Applicants generally need a valid passport, basic medical certificate and depending on initial visa, Thai-recognised health insurance. They must also show either 800,000 baht in a Thai bank account or a monthly income of 65,000 baht.

Vietnam has no retirement visa

Vietnam does not have a dedicated retirement visa, nor a visa category based only on a person's age, pension income or retirement status. Retirees seeking a long stay must instead pursue a Temporary Residence Card through eligible work, investment or family-tie routes, or use investment and family-reunion visas.

That can involve more legal complexity than a retirement move to Thailand. Investment-linked residence may require a compliant local company, along with continuing tax filings and audits, obligations that may not suit someone who has stopped working.

For foreigners who want an established route without relying on a job, investment or family sponsorship, Thailand's retirement visa framework is therefore a major practical advantage. Conditions, including financial evidence and insurance, should nevertheless be checked before applying.

Vietnam's advantage is everyday cost

Comparisons cited by Travelbinger put Vietnam around 20-30% cheaper than Thailand for a similar expat lifestyle. Rent is estimated to be roughly 40% lower on average.

Modern one-bedroom apartments are quoted at US$300-500 in Ho Chi Minh City and US$200-350 in Da Nang. Comparable rents are put at US$400-700 in Bangkok and US$350-550 in Chiang Mai.

A comfortable retirement budget is estimated at US$800-1,200 a month in Vietnam, compared with US$1,200-1,800 in Thailand. Annual estimates put comfortable expat spending at US$22,000-30,000 in Vietnam, against US$30,000-40,000 in Bangkok.

Street-food meals are estimated at US$1-3 in Vietnam and US$2-4 in Thailand, while restaurant dinners are US$5-12 and US$8-15 respectively. Domestic beer is also said to be cheaper in Vietnam.

The gap can narrow for retirees dependent on imported food and Western amenities, which can be significantly more expensive in Vietnam. Those happy with local food are likely to see the largest savings.

Healthcare, property and daily life

Thailand's established medical-tourism sector attracts more than two million medical tourists each year, including visitors from the United States, Australia, the Middle East and Europe. Its private hospital network includes JCI-accredited facilities, English-speaking staff and short waiting times.

Vietnam does not require health insurance for any visa category. Government figures put Vietnamese medical services at about 30-50% of the cost in Singapore or Thailand, but the country currently has four JCI-accredited hospitals. The health ministry aims for at least 15 internationally standard hospitals by 2030, including five public hospitals; retirees currently rely heavily on private hospitals in Hanoi and Ho Chi Minh City.

Neither country lets foreigners buy land outright. Vietnam permits foreign apartment purchases on 50-year leasehold terms, while Thailand has condominium ownership rules for foreigners and an established rental market.

Thailand has also applied tax rules since 2024 to foreign-source income brought into the country in the year it is earned. Retirees moving money to Thailand may need advice on tax exposure and their home country's double-taxation treaty.

Thailand offers more established expat infrastructure, English signage, public transport and retirement services. Vietnam offers lower costs, but busier traffic, less consistent English outside major cities and a more energetic pace. For many retirees, the decision is whether those savings outweigh Thailand's clearer long-term setup.

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18 August 2026

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KhunHeineken Diamond Member

KhunHeineken

Advanced Member
2 hours ago, Yellowtail said:

Only as long as he does not care about the law.

Ahhhh, one of those Holier than thou members now, are we. Yes, I'm sure you came to Thailand for the temples, and not the happy endings. I'm sure you've always been licensed on a motorbike here, and always put on your helmet. No way would you or you missus ever offer a bribe for a service. 😂 😂

KhunHeineken Diamond Member

KhunHeineken

Advanced Member
57 minutes ago, NanLaew said:

It's easy being married to a Vietnamese lass? Tell us more please.

Taken out of context.

A 5 year marriage visa for $50 in Vietnam is easier that what Thailand offers. Get it?

KhunHeineken Diamond Member

KhunHeineken

Advanced Member
52 minutes ago, NanLaew said:

Meh....about the same amount that jumped ship to Cambodia! Bloody lemmings everywhere these days.

Nah. The tourist are voting with their money. Expats will do the same.

KhunHeineken Diamond Member

KhunHeineken

Advanced Member
53 minutes ago, NanLaew said:

Got you good, did she?

Said it many times. I've never been in a relationship with a Thai women. Never sent money for a sick buffalo. Never got involved in property or a business here.

I did not come to Thailand to marry a Thai hooker and adopt her extended family, nor do I feel the need to buy a worthless property or business here.

NanLaew Star Member

NanLaew

Advanced Member
1 minute ago, KhunHeineken said:

Taken out of context.

A 5 year marriage visa for $50 in Vietnam is easier that what Thailand offers. Get it?

You want context.

I had a very good friend who got married solely to garner better accomodation, benefits and allowances of a married contract on a very lucrative, long-term construction gig in Singapore. They eventually returned to Thailand where they had a daughter, but he treated both her and her mother poorly. He ultimately divorced his wife, quite acrimoniously, and she was sent on her way on a pittance, struck out of his Will with no chance of ever entering his grand retirement pool villa.

Several years later, before he passed away, still an angry and bitter man, he bequeathed his home, his pride and joy, to his daughter. Within a month, his ex-wife, who probably hated him as much as he hated her, was living in his home. Poor bugger is probably still spinning like a top in his grave.

Marriage shouldn't be the lynchpin of one's legal immigration status unless it's your homeland.

KhunHeineken Diamond Member

KhunHeineken

Advanced Member
53 minutes ago, NanLaew said:

You miss my point. Cambodia has been the bolt hole for many a dodgy farang for a long time already. They have a far lower bar than Thailand when it comes to turning a blind eye to dodgy fooks.

You are missing the point.

Vietnam offers a better product than Thailand for retired expats, and at a better price. Vietnam just doesn't have a retirement visa class yet, but you can bet it's on it way.

What you are suggesting is, because Vietnam is more affordable, only the dodgy foreigners will move there, but I disagree.

A lot of smart foreigner money has already moved to Vietnam, big companies also.

Cambodia has one small stretch of coastline, and they allowed the Chinese to destroy it. Vietnam has many nice beach cities.

NanLaew Star Member

NanLaew

Advanced Member
10 minutes ago, KhunHeineken said:

Said it many times. I've never been in a relationship with a Thai women. Never sent money for a sick buffalo. Never got involved in property or a business here.

I did not come to Thailand to marry a Thai hooker and adopt her extended family, nor do I feel the need to buy a worthless property or business here.

But you are touting a Vietnamese marriage as an economical entry to an otherwise limited long-term residence there.

KhunHeineken Diamond Member

KhunHeineken

Advanced Member
48 minutes ago, PhilipHabib said:

maybe — just maybe — the country that literally created a visa category for retirees is the one built for retiring in?

Wild concept, I know.

Do you think Thailand is the only country that can create a retirement visa class? 😂

Same question to you, if next week Vietnam announces the introduction of a Thailand style retirement visa, what impact, do you think it will have on Thailand in the short to long term.

People post like it's an impossibility Vietnam will ever have a retirement visa, when there's every indication they are gearing up for it.

marin Platinum Member

marin

Members
12 minutes ago, KhunHeineken said:

Said it many times. I've never been in a relationship with a Thai women. Never sent money for a sick buffalo. Never got involved in property or a business here.

I did not come to Thailand to marry a Thai hooker and adopt her extended family, nor do I feel the need to buy a worthless property or business here.

Pity you never took the time to meet a nice Thai woman. Makes all the difference. You sadly seem to lump them all into one category thus proving you have never met a "real" Thai woman.

Rather than spending all day trumpeting how wonderful Vietnam is I really think you should go. You have nothing to hold you here, go to a beach or a mountain and enjoy yourself. As you said you have no interest in Thai women what is the point of staying here. You dont seem happy at all.

KhunHeineken Diamond Member

KhunHeineken

Advanced Member
49 minutes ago, NanLaew said:

As long as he's not a member of Tweed Heads Lawn Bowls Club, I don't care what Walter claims.

I prefer The Brus Pub to the Tweed Bowlo. 😂

KhunHeineken Diamond Member

KhunHeineken

Advanced Member
(edited)
50 minutes ago, Yellowtail said:

I know it's a lot of money to me as well, but the cost of keeping it in Thailand is not that much.

One of The Big 4 banks in Australia is offering 5.30% interest.

800,000 x 5.30% = 42,400 baht.

What's Kasikorn offering, 1%.

800,000 x 1% = 8,000 baht.

It's costing you 34,400 baht to have your 800,000 baht here.

Agreed, that's not much, but that's more than the cost of the agent, and it's in a bank in a country where you have rights.

That's why I p*ss myself laughing at guys that proudly say their extension ONLY cost them 1,900 baht. No, it's costing you over 30,000 baht, and for the privilege, you get to queue and wait around. 😂 😂

Take the agents fees out of the 42,400 baht and I'm still way ahead, and that's just bank interest. My fund makes more that 5.30%.

The 800k is nothing more than a donation to a Thai bank.

Edited by KhunHeineken

KhunHeineken Diamond Member

KhunHeineken

Advanced Member
25 minutes ago, NanLaew said:

You want context.

I had a very good friend who got married solely to garner better accomodation, benefits and allowances of a married contract on a very lucrative, long-term construction gig in Singapore. They eventually returned to Thailand where they had a daughter, but he treated both her and her mother poorly. He ultimately divorced his wife, quite acrimoniously, and she was sent on her way on a pittance, struck out of his Will with no chance of ever entering his grand retirement pool villa.

Several years later, before he passed away, still an angry and bitter man, he bequeathed his home, his pride and joy, to his daughter. Within a month, his ex-wife, who probably hated him as much as he hated her, was living in his home. Poor bugger is probably still spinning like a top in his grave.

Marriage shouldn't be the lynchpin of one's legal immigration status unless it's your homeland.

I fail to see your point?

Many Thai women can not live in my home country, Australia, unless they are married / defacto to an Australian national. The usual progression is spouse visa, PR, and for some, they go on to get citizenship.

Vietnam simply has married to Vietnamese nation, you get a 5 year visa for $50.

Thailand, you still need 400k in bank baht blah blah blah.

KhunHeineken Diamond Member

KhunHeineken

Advanced Member
25 minutes ago, NanLaew said:

But you are touting a Vietnamese marriage as an economical entry to an otherwise limited long-term residence there.

Nooooooooooooooooooooo.

Where did you get that idea from??????????????

I am simply saying, if a foreigner marries a Vietnamese national, they get a 5 year visa for $50.

The foreigner doesn't even need a bank account in Vietnam. 😂 😂

Now, I did meet an expat who has a sham marriage for visa purposes, put I am not putting that forward as any type of viable option. It's something I would never do.

I hope the above has cleared this up.

Yellowtail Star Member

Yellowtail

Advanced Member

1 minute ago, KhunHeineken said:

One of The Big 4 banks in Australia is offering 5.30% interest.

800,000 x 5.30% = 42,400 baht.

What's Kasikorn offering, 1%.

800,000 x 1% = 8,000 baht.

It's costing you 34,400 baht to have your 800,000 baht here.

Agreed, that's not much, but that's more than the cost of the agent, and it's in a bank in a country where you have rights.

That's why I p*ss myself laughing at guys that proudly say their extension ONLY cost them 1,900 baht. No, it's costing you over 30,000 baht, and for the privilege, you get to queue and wait around. 😂 😂

The 800k is nothing more than a donation to a Thai bank.

You never tell us what agent you use or what you pay, but I'm sure it's at least B20K

I have no interest in breaking the law to save about B1,100, and I can take the money out any time I want.

In any event, your B800K in Australia getting 5.3% and paying an agent means you've lost money as the AUD is off over 10% against the THB

AUD.png

KhunHeineken Diamond Member

KhunHeineken

Advanced Member
26 minutes ago, marin said:

Pity you never took the time to meet a nice Thai woman. Makes all the difference.

I have not ruled this out. I retired younger than most. I have time.

27 minutes ago, marin said:

You sadly seem to lump them all into one category thus proving you have never met a "real" Thai woman.

Wow. I'm sure many Thai women would be offended by your comment.

Enlighten me, what, exactly, is a "real" Thai women?

Or, do you simply mean, as opposed to a ladyboy? 😂 😂

28 minutes ago, marin said:

Rather than spending all day trumpeting how wonderful Vietnam is I really think you should go.

Why?

There's no nightlife on the planet like Pattaya. I have a great lifestyle here.

I merely pointed out that because I haven't imprisoned myself here, and can go if / when the Thai government really wants to start treating farang like sh*t, I draw the criticism of guys who are locked into Thailand.

32 minutes ago, marin said:

You have nothing to hold you here, go to a beach or a mountain and enjoy yourself. As you said you have no interest in Thai women what is the point of staying here. You dont seem happy at all.

I have a great lifestyle holding me here.

What I don't have is a worthless Thai property and / or a relationship with a Thai women. It's called freedom. It empowers me over Thai government hoops.

Like I said, Thailand can crackdown all they want. They can change the goal posts. They can up the 800k / 65k, whatever. if I don't accept it, I'll move to Vietnam. I don't have to jump through their hoops.

You are another one that carries on like Thailand is the be all and end all. It's not.

I have said before, I did not come to Thailand to marry a Thai hooker and adopt her extended family. I like to party with the girls, and happy to pay for the service. Unlike many, I pay them to leave, when others pay them to stay for the month. Not much difference.

I have no idea why you think I am unhappy here. Just because I say Vietnam is my Plan B, and defend my reasons for it being so, why do you think I am unhappy in Thailand?

KhunHeineken Diamond Member

KhunHeineken

Advanced Member
14 minutes ago, Yellowtail said:

You never tell us what agent you use or what you pay, but I'm sure it's at least B20K

I have no interest in breaking the law to save about B1,100, and I can take the money out any time I want.

In any event, your B800K in Australia getting 5.3% and paying an agent means you've lost money as the AUD is off over 10% against the THB

AUD.png

I'm still ahead, and have the security of knowing my money is in a country where I am a citizen, and there is a reasonable rule of law.

You can't take the money out anytime you want because you have to have 800k for your extension.

I laugh at the guys saying their extension ONLY costs them 1,900 baht.

Yellowtail Star Member

Yellowtail

Advanced Member

54 minutes ago, KhunHeineken said:

I'm still ahead, and have the security of knowing my money is in a country where I am a citizen, and there is a reasonable rule of law.

You can't take the money out anytime you want because you have to have 800k for your extension.

I laugh at the guys saying their extension ONLY costs them 1,900 baht.

I laugh at the gut that claim they use an agent ONLY because they claim save a bit of money doing it.

KhunLA Star Member

KhunLA

Advanced Member
48 minutes ago, Yellowtail said:

I laugh at the gut that claim they use an agent ONLY because they claim save a bit of money doing it.

Yea, a we bit too obvious, they don't have any money to be saved. Living out of a box, concerned about cheap beer, along with can't afford to have a real relationship. Most gals or guys, realize right away, they have nothing to offer in a relationship.

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