Can I withdraw my funds from a Thai bank account after meeting retirement visa requirements?

The 65.000 baht option, will not be possibel the first year for most applicants.

Untill you have proff of one year monthly deposits of at least 65.000 Baht, you cant use that option.

And be prepared that you don’t just walk into a bank and get a bank account easily.

They want to see you have been staying at least 3 month on a long term visa, before they would even consider giving you a bank account.

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Assuming you are getting a retirement extension of 12 months in November?

-800k thb has to be in the account a full 2 months before applying for the 12 month retirement extension (so, had to be in there SEPTEMBER).

-You can continue to deposit your 65k (shown as International Transfer) and withdraw it straight away and spend it.

- you need 12x of these 65k monthly deposits before you can touch the full 800k.

- 3 months after successful 12 month extension you can withdraw and spend some of the 800k thb, as long as it does not go below 400k thb.

Suggest you read up more on official Thai Embassy websites.

If you want to get around leaving the 800thb in a Thai Bank, suggest you go look for a Visa agent.

I've no idea what Res O is so I assume it's a typo and you actually mean a Non-O 90 day visa based on retirement?

That being the case you need to have 800k in your Thai bank for 2 full calendar months prior to applying for a 12 month extension of stay.

The 65k is irrelevant at this point but if you have a full 12 months of transfers from overseas you can use that for your subsequent extensions