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Retirement extension - split income ?

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(Uk state pension) - if you have Thai bank bank statements showing monthly payments received from DWP each month for the preceding 12 months, totaling say 500,000 baht, and have 300,000 baht balance in the same Thai bank for 12m plus - Does that qualify you to renew your retirement extension ? 

 

or is it just 65,000b per month or 800,000b kept in the account ......

 

 

OP, you are asking about the combination method. 

More details required. 

Which immigration office. 

What is current situation. Meaning in Thailand on what type of visa/extension. 

Not really important monthly transfers from "pension" 

Background in Thailand required. 

 

Some discussion here. 

https://aseannow.com/topic/1333603-what-is-the-combo-method-for-a-non-o-visa/

 

  • Author
4 minutes ago, DrJack54 said:

OP, you are asking about the combination method. 

More details required. 

Which immigration office. 

What is current situation. Meaning in Thailand on what type of visa/extension. 

Not really important monthly transfers from "pension" 

Background in Thailand required. 

 

Pattaya immigration

living in Thailand over 10 years

Non O visa, based on retirement - renewed for 7+ years with 800,000 baht in bank method

thinking of "split" income per the OP, if that's possible, so only have to have 300k in the bank rather than 800k

 

Would that work ?

 

 

  • Popular Post
5 minutes ago, piston broke said:

 

Pattaya immigration

living in Thailand over 10 years

Non O visa, based on retirement - renewed for 7+ years with 800,000 baht in bank method

thinking of "split" income per the OP, if that's possible, so only have to have 300k in the bank rather than 800k

 

Would that work ?

 

 

 

Bear in mind that DWP payments will be made every 4 weeks, not every month.  That could easily confuse immigration.  I'd be inclined to maintain 400k rather than 300k, i.e. ensure 12x your incoming payment + the account balance exceed the target 800k.

28 minutes ago, piston broke said:

 

Pattaya immigration

living in Thailand over 10 years

Non O visa, based on retirement - renewed for 7+ years with 800,000 baht in bank method

thinking of "split" income per the OP, if that's possible, so only have to have 300k in the bank rather than 800k

 

Would that work ?

 

 

So for your current extension have you maintained the requirements for money in bank method. 

Meaning for date of last extension (current) did you maintain the 800k for 3 months after extension approval. 

BTW: follow advice re two points @Upnotover pointed out.

49 minutes ago, DrJack54 said:

OP, you are asking about the combination method. 

More details required. 

Which immigration office. 

What is current situation. Meaning in Thailand on what type of visa/extension. 

Not really important monthly transfers from "pension" 

Background in Thailand required. 

 

Some discussion here. 

https://aseannow.com/topic/1333603-what-is-the-combo-method-for-a-non-o-visa/

 

No, he is NOT asking about the Combination Method, which says that if the monthly income plus that in the bank adds up to over 800k, then you are (should be) OK. 

  • Popular Post
7 minutes ago, KannikaP said:

No, he is NOT asking about the Combination Method, which says that if the monthly income plus that in the bank adds up to over 800k, then you are (should be) OK. 

Embarrassing post. 

The OP is asking if combination method is an option OR is only income method and money in bank method an option. 

Fortunately most immigration offices allow combination method as they should. 

A few do not 

 

3 minutes ago, KannikaP said:

What has the DWP, or any other source of income got to do with it. You either have 800k in the bank, send 65k per month as an Interantional Transfer, or use the Combination of both. 

 

The DWP has F**k All to do with it until you are 67, increasing yearly.

 

 

Not very helpful....and also factually incorrect. I can guarantee that if the DWP payment is going straight to Thailand then the poster will have advised his residence in Thailand...........no annual increase.

3 minutes ago, DrJack54 said:

Embarrassing post. 

The OP is asking if combination method is an option OR is only income method and money in bank method an option. 

Fortunately most immigration offices allow combination method as they should. 

A few do do. 

 

The OP mentioned the DWP, who have nothing to do with it. 

Can you get State Pension from UK at 50?

It does not matter WHERE your monthly International Transfer is earned, as long as it IS designated as such.

1 hour ago, DrJack54 said:

Fortunately most immigration offices allow combination method as they should. 

A few do not

Huh??

2 minutes ago, KannikaP said:

The OP mentioned the DWP, who have nothing to do with it. 

Can you get State Pension from UK at 50?

My first post stated this.... 

"Not really important monthly transfers from "pension" 

 

Give advise or don't post.

3 minutes ago, hotandsticky said:

 

 

Not very helpful....and also factually incorrect. I can guarantee that if the DWP payment is going straight to Thailand then the poster will have advised his residence in Thailand...........no annual increase.

You cannot get a DWP, State Pension, under 67 years old.

You can, however, get a Retirement Visa/Extension based on 65k per month, 800k in the bank or a combination of both. It matters not from where the money comes.

 

3 minutes ago, DrJack54 said:

My first post stated this.... 

"Not really important monthly transfers from "pension" 

 

Give advise or don't post.

OK, sorry. 

I am trying to give advice to those who DO have sufficient income/transfers, or sufficient in the bank, but are under 50, who think they cannot get the Retirement Extension. 

1 minute ago, KannikaP said:

You cannot get a DWP, State Pension, under 67 years old.

You can, however, get a Retirement Visa/Extension based on 65k per month, 800k in the bank or a combination of both. It matters not from where the money comes.

 

 

Correct.

 

...and what? ...you are rambling off topic  -  and I added to that by commenting on your nonsense statement about annual increases.

58 minutes ago, piston broke said:

 

Pattaya immigration

living in Thailand over 10 years

Non O visa, based on retirement - renewed for 7+ years with 800,000 baht in bank method

thinking of "split" income per the OP, if that's possible, so only have to have 300k in the bank rather than 800k

 

Would that work ?

 

 

I have read on here that a minimum of 400k is needed/recommended in the bank to warrant the Combo method, which then allows the total of bank plus transfers to be over 800k per annum

9 minutes ago, hotandsticky said:

 

Correct.

 

...and what? ...you are rambling off topic  -  and I added to that by commenting on your nonsense statement about annual increases.

ME? What are you on about?

The Ánnual Increases are nothing to do with how much you transfer to Thailand every month BEFORE you reach pensionable age....67..68...69. 

  • Author
12 hours ago, DrJack54 said:

So for your current extension have you maintained the requirements for money in bank method. 

Meaning for date of last extension (current) did you maintain the 800k for 3 months after extension approval. 

BTW: follow advice re two points @Upnotover pointed out.

 

800k in bank for 7y - never touch it ....

39 minutes ago, piston broke said:

 

800k in bank for 7y - never touch it ....

So for the combination method you will need to show a 12 month bank statement. 

Highlight the 12 monthly transfers. 

They need to be shown as international transfers. 

A popular combination is funds held in account 400k + monthly transfers of 35k (min). 

 

Personally I would maintain the balance of 800k till next application for extension. Clearly point out you are changing to combination. 

The balance of 800k simply covers both methods in case of any issue. 

 

Aside: don't be tied up on the word "pension" 

I just changed to income method from 800k in bank. 

I don't receive a pension. 

Just transfer 65k+ every month. 

I opt for 14th of every month. 

Some pensions are paid fortnightly. 

For those folks best to consolidate your finances in your foreign bank and do clear one transfer each month. 

A troll post was removed. Please explain why you disagree wiht a post, rather than making flippant remarks about other members. Thank you.

16 hours ago, KannikaP said:

You cannot get a DWP, State Pension, under 67 years old.

You can, however, get a Retirement Visa/Extension based on 65k per month, 800k in the bank or a combination of both. It matters not from where the money comes.

 

And many like me started receiving the UK state pension when I was 65.

 

Not every IO will accept the combination method, and the ambiguously worded order can be interpreted differently by different IO's.

At Roi Et, they insist the minimum funds of 400K are maintained throughout the year.

Also, if using the income method alone, or as part of the combination method, they always request proof the income is from a pension.

 

@piston broke would be best inquiring at Pattaya.

1 hour ago, Liquorice said:

And many like me started receiving the UK state pension when I was 65.

 

Not every IO will accept the combination method, and the ambiguously worded order can be interpreted differently by different IO's.

At Roi Et, they insist the minimum funds of 400K are maintained throughout the year.

Also, if using the income method alone, or as part of the combination method, they always request proof the income is from a pension.

 

@piston broke would be best inquiring at Pattaya.

I am so happy to deal with Phitsanulok IO.

Yes, the 400k in the bank must be maintained for 12 months

On 10/19/2025 at 7:21 PM, KannikaP said:

You cannot get a DWP, State Pension, under 67 years old.

Yes you can.

The UK state pension age will increase from 66 to 67 between April 2026 and April 2028

3 minutes ago, Bredbury Blue said:

Yes you can.

The UK state pension age will increase from 66 to 67 between April 2026 and April 2028

Oh, so sorry to give incorrect information.

To elaborate on your correct dates, it will then increase from 67 to 68 between 2044 and 2046. 

1 minute ago, KannikaP said:

Oh, so sorry to give incorrect information.

We don't want people to apply for their pension one year late, it's already difficult enough to get DWP to accept your pension claim and start paying 🙂

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