How does the 800k deposit transition to 65k monthly income work for retirement in Thailand?

You're asking good questions which means it's time to have a consultation with a Visa agent. They can discuss and provide answers to all these questions and lay out a timeline and action plan going forward. I'll always use an agent for anything related to immigration as that saves a ton of time and stress. I much prefer to outsource such tasks to the experts that do it every day rather than me spending time researching it.

You got most of it right. If you use an agent to open à bank account, it will cost you about 35 000thb. Simply go to your local immigration office request à ketter from them to help you get said bank account open (cost 500thb) and if you ask jicelt (500 to 1000thb more), they will tell you to which branch and bank to go to. I did it in 2 hours including time spent at immigration.

As for the 65 000bht it's à luttle trickier. You have to show 12 monthly deposit (with mention of international transfer on your bank book) ar least before 60 days prior to the renewal of your extension. Basically, as soon as you have your bank account open, make 2 transfer , one of 800 000thb and à second one of 65 000bht (to keep it simple) your 90 days non-o gives you time to do it (90 day + 1 year minus 60 days). A pièce of advice, ask Immigration what else they need it may vary from one agent to the next. In my case, I will have to get à letter from my source of revenu confirming where the money comes from (retirement, not saving).

I hope this helps

What about the timing between buying a flight and applying and acquiring the non-O 90 day visa? Do you get the visa first and pay through the nose for the flight? Or buy the flight and hope the visa comes through before you fly?

The ฿65k a month is really a year 3 standard

The reason why is this

Year one you get the bank acct and deposit the money but you already have the visa so you’re already 2-3 months behind the 12 month requirement

Year 2 renewal you can’t show the ฿65k a month for 12 consecutive months because it doesn’t line up with the visa

Year 3 renewal you can show the 12 consecutive months of ฿65k a month

It’s the rulebook

You shouldn't need an agent to open a bank account.

Switching from 800k to 65k method is as simple as providing the statements etc from your bank. I switched last year with no problems and then promptly withdrew the 800k. Good luck.

On a Non-O visa you should be able to open a bank account yourself with a residence certificate from immigration and a Thai SIM registered against your passport.

It's not 60 days seasoning for the 800k baht it's 2 full calendar months date to date