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Switching from savings to fixed deposit for retirement extension

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Currently I meet the financial requirement for my annual retirement extension by using a Thai baht savings account at a Thai bank with ฿800K in it. I will also use that same savings account for my next renewal coming up in early 2026. After that next extension is granted I want to begin spending the funds in that savings account for my daily expenses immediately, if I can.

 

I also have a fixed deposit account with already another ฿800K in it that I opened up earlier this year. My plan is to use that fixed deposit as the financial proof for my following retirement visa extension in 2027.

 

My question is this. Once I receive the 2026 extension stamp in my passport can I then immediately begin using the money now in my savings account without risking any issues during that extension period or when I apply for the following extension again in 2027, given that the fixed deposit account already contains the required ฿800K now?

 

Thank you. 

6 minutes ago, nowonline said:

My question is this. Once I receive the 2026 extension stamp in my passport can I then immediately begin using the money now in my savings account without risking any issues during that extension period or when I apply for the following extension again in 2027, given that the fixed deposit account already contains the required ฿800K now?

I suggest caution. 

Certainly run your plan past immigration at your next extension. 

The next extension you obtain will use the savings account and I don't believe immigration will be happy that you change accounts albeit same bank. 

Certainly ask immigration as offices vary. 

 

  • Author
1 hour ago, DrJack54 said:

I suggest caution. 

Certainly run your plan past immigration at your next extension. 

The next extension you obtain will use the savings account and I don't believe immigration will be happy that you change accounts albeit same bank. 

Certainly ask immigration as offices vary. 

 


I do my extensions at CW.
 

I've also changed accounts at least 3 times already on this visa. Started with 800K equivalent in an FCA at SCB, then went over to a baht account at BBL. Now in baht with KBank. 
 

Yes, both the savings account and the fixed deposit I'm discussing here are at the same bank, so I'm not changing banks again this time. Only accounts. 
 

But the question was about spending out of one account immediately when you don't plan to use that account again for an extension the following year.
 

Thinking back now, I think I probably already did that once or twice in the past when I switched banks. I may have not started using the money in the account immediately, but in most cases, shortly after getting the visa extension stamp, I closed the account that would no longer be used for the next extension. So far, no problems.

31 minutes ago, nowonline said:

Thinking back now, I think I probably already did that once or twice in the past when I switched banks

So no real need to ask. The thing is you will be attending immigration for next extension and can outline your plan with the io. 

I suggest you do that. 

There are reports, of people using one bank account to meet the 800k proof of funds for an extension, but during the three months after the extension was granted the balance fell below the threshold 😮 , and even though they had a different bank account that shows the combined total between the two were above the 800k threshold they were given a hard time and in some cases told to exit, come in on a fresh visa exempt entry and start the whole process all over .  😕 

I'd say keep the 800k in the account you used for the extension for 3 months after it was issued <- so you meet the post extension seasoning with that account.

Definitely  check with an immigration officer before you start running the account you used for the extension down, no matter how much you have in other bank accounts

1 hour ago, Tod Daniels said:

I'd say keep the 800k in the account you used for the extension for 3 months after it was issued <- so you meet the post extension seasoning with that account.

This is exactly what I would do ^^

 

I'm one of the guys you describe in first para. 

From what I could tell the immigration officers (plural more than one) were saying that I obtained the previous extension using bank account A and that the 3 month post approval needs to be maintain the 800k in account A. 

Would not even look at my additional account to cover the 2k shortfall for 2 days. 

Last year I had an issue. I always used Citibank, but it was taken over by UOB. So the year-report consisted of two accounts, with different numbers. Even though it was easy to see by date and balance it was not accepted. Fortunately I had another account with Krungsri which was accepted without ado. Last week I went for extension and just to be sure got statements from both banks. I submitted UOB, no problem. So it looks like you can easily use different accounts as long as the requirements for minimum balance etc. are met.

On 11/22/2025 at 8:45 AM, DrJack54 said:

This is exactly what I would do ^^

 

I'm one of the guys you describe in first para. 

From what I could tell the immigration officers (plural more than one) were saying that I obtained the previous extension using bank account A and that the 3 month post approval needs to be maintain the 800k in account A. 

Would not even look at my additional account to cover the 2k shortfall for 2 days. 

So what was the outcome?

17 minutes ago, Peabody said:
On 11/22/2025 at 8:45 AM, DrJack54 said:

This is exactly what I would do ^^

 

I'm one of the guys you describe in first para. 

From what I could tell the immigration officers (plural more than one) were saying that I obtained the previous extension using bank account A and that the 3 month post approval needs to be maintain the 800k in account A. 

Would not even look at my additional account to cover the 2k shortfall for 2 days. 

Expand  

So what was the outcome?

 

Fortunately for me the head io let it slide.. 

The slip up was only 2k for two days. 

The two io below her made it clear to me that I was very lucky. 

On 11/21/2025 at 3:58 AM, nowonline said:

Currently I meet the financial requirement for my annual retirement extension by using a Thai baht savings account at a Thai bank with ฿800K in it. I will also use that same savings account for my next renewal coming up in early 2026. After that next extension is granted I want to begin spending the funds in that savings account for my daily expenses immediately, if I can.

 

I also have a fixed deposit account with already another ฿800K in it that I opened up earlier this year. My plan is to use that fixed deposit as the financial proof for my following retirement visa extension in 2027.

 

My question is this. Once I receive the 2026 extension stamp in my passport can I then immediately begin using the money now in my savings account without risking any issues during that extension period or when I apply for the following extension again in 2027, given that the fixed deposit account already contains the required ฿800K now?

 

Thank you. 

The short answer is yes, but I advise you to confirm that with your Immigration Office. Unfortunately, I’ve found that not all Immigration Offices follow the same rules.

I switched from 800K baht to monthly deposits over 65K baht about two years ago. Everything has worked out okay. And I don’t need "fixed" deposits, each of the same amount from the same source. I just have to make at least one deposit of over 65K baht during the month.

11 minutes ago, WDSmart said:

The short answer is yes, but I advise you to confirm that with your Immigration Office. Unfortunately, I’ve found that not all Immigration Offices follow the same rules.

I switched from 800K baht to monthly deposits over 65K baht about two years ago. Everything has worked out okay. And I don’t need "fixed" deposits, each of the same amount from the same source. I just have to make at least one deposit of over 65K baht during the month.

Which office?

 

3 minutes ago, Peabody said:
15 minutes ago, WDSmart said:

The short answer is yes, but I advise you to confirm that with your Immigration Office. Unfortunately, I’ve found that not all Immigration Offices follow the same rules.

I switched from 800K baht to monthly deposits over 65K baht about two years ago. Everything has worked out okay. And I don’t need "fixed" deposits, each of the same amount from the same source. I just have to make at least one deposit of over 65K baht during the month.

Which office?

Phetchbaun. It's the closest Immigration Office to me. 

9 hours ago, WDSmart said:

Phetchbaun. It's the closest Immigration Office to me. 

The closest immigration office doesn't matter.  You go to the office that matches your province, even if there is another one closer.

As I do not speak English well I see no problem. If you show 800 k, they can be on X accounts as long you stay inside the rules.

One other consideration when choosing an account as the basis for a retirement extension (money in the bank mode).  I am referring to my experience at IMMO/CW.

 

Some banks (e.g., SCB) won't let you update a FIXED deposit account by ATM -- you have to do it over the counter.

 

Thus, on the day you are going for your extension, you need to wait for a branch to open before updating the FIXED account bank book -- since IMMO/CW wants to see the account updated on the day you visit.

 

Not so if a regular savings account, or other banks which allow a machine update for fixed accounts.

7 hours ago, BrandonJT said:
17 hours ago, WDSmart said:

Phetchbaun. It's the closest Immigration Office to me. 

The closest immigration office doesn't matter.  You go to the office that matches your province, even if there is another one closer.

I have gone to the Immigration office in Pittsanulok, which is outside my province, Phetchabun. The one in Phetchabun is closer to me, so I go there.

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