Answers
Thailand questions, answered with sources
Each answer starts with a short reply you can act on, shows the date we last checked it and lists the sources behind every figure.
Visas
- Can I extend the 30-day visa exemption in Thailand, and what does it cost?
Yes, once per entry, for 1,900 THB in cash.
- Can I get a 60 day visa on arrival in Thailand?
No.
- Can I still apply for the DTV in Vientiane or Vietnam?
Not as a visitor.
- Can you renew the DTV visa after 5 years?
No official rule covers it yet: Thai authorities have published no procedure for renewing a Destination Thailand Visa, and the embassy pages describe a five-year visa and nothing after it.
- Do I need a new TDAC every time I enter Thailand?
Yes.
- Do I really need 20,000 baht to enter Thailand?
On paper, yes, although not every traveller is asked.
- Do I really need 500,000 THB in the bank for the DTV, and for how long?
Yes.
- Does leaving Thailand reset my 90-day report clock?
Yes.
- How do I get a 60-day tourist visa for Thailand and what does it cost?
You apply online before you fly, on the official e-Visa portal, thaievisa.go.th.
- How do you get a work visa and a work permit in Thailand?
You need two documents, and a Thai employer starts both.
- How long does a Thai DTV visa take to process?
From 5 working days to a month or more, depending on the embassy.
- How long is a visa free stay in Thailand since 15 September 2026?
Thirty days per entry, down from 60, for arrivals from 15 September 2026 on one of the 60 eligible passports, including the UK, the US, Canada, Australia, France and Germany.
- What is a re-entry permit and when do I need one?
A re-entry permit keeps your current permission to stay alive while you are out of Thailand.
- What is the 90-day report and how do I file it online?
The 90-day report is a free notification of address, form TM.47, owed by every foreigner who stays in Thailand for 90 consecutive days.
- Where do I file my 90-day report if I live on Koh Tao?
On the island.
- Who needs a police certificate for the DTV now?
Every new DTV applicant whose file was not both submitted and paid before 31 August 2026.
Taxes
- Do American expats pay taxes in Thailand?
Yes, potentially in both countries.
- Does holding a DTV make me a Thai tax resident by itself?
No.
- Does using my foreign debit card at a Thai ATM count as remitting income?
If you are a Thai tax resident, assume it can, because nothing published says it cannot.
- Is money I earned before 2024 taxable if I transfer it to Thailand now?
No.
- What are the Thai income tax brackets for 2025 and 2026?
Thailand taxes personal income on eight bands, from nothing on the first 150,000 THB to 35 percent on anything above 5,000,000 THB, and none of the sources we checked on 26 September 2026 shows a change to that table between 2025 and 2026.
- When is the Thai tax return deadline for expats?
The annual return is due by 31 March of the following year on paper or 8 April online, so 2026 income is declared by 31 March or 8 April 2027.
- Will I be taxed twice, in my home country and Thailand?
Usually not in full, but the relief is not automatic.
Cost of living
- Can I live comfortably on $2,000 a month in Thailand?
Yes, for one person almost anywhere in the country.
- Can I live on Koh Tao for 1,000 dollars a month?
Yes, but only in the island's low budget version: a fan room, Thai food and very little diving.
- Can you retire in Thailand on $1,000 a month?
Only just, and only in the cheaper cities.
- How long will $100,000 last in Thailand?
About six to ten years for one person at today's prices, if nothing changes.
- How much money should I take to Thailand for 7 days, 10 days or 2 weeks?
Count 900 to 1,500 THB a day on a backpacker budget and 1,800 to 4,400 THB a day in mid range comfort, flights excluded.
- Is $3,000 a month enough to live in Thailand?
Yes.
- Is Koh Tao more expensive than Koh Phangan?
Barely.
- What does a PADI Open Water course price on Koh Tao include, and what does it leave out?
At Siam Scuba the 12,000 THB Open Water course covers gear rental, boat trips, the certification fee and tax over two and a half days.
Housing
- How do I find a long term rental on Koh Tao?
Book one or two weeks of accommodation, then find the monthly place in person once you are on the island.
- How much is rent on Koh Tao for a month?
Monthly rent on Koh Tao runs from about 4,000 THB for a basic fan room or wooden bungalow to 30,000 THB and more for a modern air conditioned apartment.
- What is included in monthly rent on Koh Tao: electricity, water, wifi?
On Koh Tao, electricity is almost never included in a monthly rent: it is billed on the meter at a rate the landlord sets.
- What is the TM30 and does my landlord have to file it?
Yes.
- Where should I stay on Koh Tao long term: Sairee, Mae Haad, Chalok Baan Kao or Tanote?
For work, stay in Mae Haad or on the stretch between Mae Haad and Sairee: the piers, the banks, the hospital and both coworking spaces are close, and Sairee Beach is about a ten minute walk away.
Healthcare
- Does travel insurance cover motorbike accidents in Thailand?
Only if you were licensed to ride that motorbike, which for most visitors means a home licence plus a 1968 International Driving Permit with the motorcycle category.
- How do you get from Koh Tao to a hospital on Koh Samui in an emergency?
You call 1669 or get to Koh Tao Hospital in Mae Haad, and the island's chain moves you: the hospital stabilises you, then arranges evacuation by speedboat or helicopter to Koh Samui or the mainland.
- How much is travel insurance to Thailand?
About 27 to 66 GBP for two weeks and 52 to 167 USD for a month, on the quotes we could find.
- Is health insurance mandatory for a DTV in Thailand?
No.
- Is there a hospital on Koh Tao?
Yes: Koh Tao Hospital, a small government hospital in Mae Haad, with outpatient hours from 08:00 to 16:00 every day, a 24 hour emergency service, around ten beds and its own ambulance.
- Is there a hyperbaric chamber on Koh Tao?
Yes.
- What does one doctor or ER visit cost in Thailand without insurance?
Seeing a doctor at a Thai private hospital costs 1,000 to 3,000 THB and an emergency room visit 3,000 to 15,000 THB.
Banking and money
- Can a DTV holder open a Thai bank account in 2026?
Usually not.
- Can a foreigner get a credit card in Thailand?
Yes, if you work in Thailand.
- Can I open a bank account in Thailand online?
No, not as a foreigner.
- Can I open a Thai bank account on a tourist visa in 2026?
No, in practice.
- Can I scan Thai QR codes with Wise?
Yes, if your Wise account is registered to a Thai address: Wise is rolling out PromptPay transfers and Thai QR payments to those accounts between March and October 2026, capped at 10,000 THB per transaction.
- Can I send money to Thailand with Revolut, PayPal, Western Union or Zelle?
Yes with Revolut, Western Union and Wise, no with Zelle, and only for purchases with PayPal.
- Can I use my credit card in Thailand?
Yes.
- Should I choose with conversion or without conversion at a Thai ATM?
Choose without conversion, every time, and take the amount in Thai baht.
- What documents do I need to open a Thai bank account as a foreigner?
Your passport with a long stay visa stamp (Non-B, Non-O, ED, LTR or Thailand Privilege), copies of the photo page and visa, a passport photo, proof of your Thai address such as a lease, a TM30 receipt or an Immigration certificate of residence, a Thai mobile number, and 500 to 1,000 THB for the opening deposit.
- Which is the best bank in Thailand for foreigners?
No Thai bank is best for every foreigner: the four big ones sell near identical savings accounts, and what separates them is the paperwork each asks for.
Family and schools
- Can my spouse and kids come with me on a DTV?
Yes.
- What visa do I need to move to Thailand with my family for a year?
For most remote working families it is the DTV: your spouse and unmarried children under 20 apply as your dependants at 10,000 THB each, and every entry gives 180 days over five years.
Coworking and internet
- Which coworking spaces are on Koh Tao and how much do they cost?
Koh Tao has two coworking spaces.
Getting around
- Do ferries to Koh Tao get cancelled in monsoon?
Sometimes, but rarely.
- How do I get to Koh Tao from Bangkok in one day?
Fly from Bangkok to Samui in the morning and take a Lomprayah boat from Maenam pier the same day.
- How do I get to Koh Tao from Chiang Mai?
Fly from Chiang Mai to Koh Samui with Bangkok Airways, then take a boat to Koh Tao the same afternoon.
- How do I get to Koh Tao from Phuket or Krabi?
Take a Lomprayah joint ticket, a bus across the peninsula and a boat to Mae Haad pier, on a single booking.
- How long is the ferry from Koh Samui to Koh Tao?
About 1.5 to 2 hours on Lomprayah, the fastest operator: 1 hour 30 minutes by speedboat and 1 hour 45 minutes to 2 hours by catamaran, for a crossing of about 65 km.
- Where is Koh Tao, and how big is it?
Koh Tao is a small island in the Gulf of Thailand, off the east coast of southern Thailand, in Surat Thani province.
Legal matters
- Do I need a motorbike licence to ride a scooter on Koh Tao?
Yes.
- How long is the ban if I overstay in Thailand more than 90 days?
One year, if you overstay by more than 90 days and hand yourself in at departure.
Remote work
- Can I work US hours from Thailand?
Yes, east coast hours work from Thailand if you keep an evening block, and west coast hours mean working nights.
Safety
- Is Koh Tao dangerous?
No, not for most visitors, but the island has real risks and a hard reputation.
Community
- How many days do you need on Koh Tao?
Three to four days cover the island without a dive course, and four nights is the minimum if you learn to dive.