What steps should I take to deposit money into my Thai bank account after obtaining a NON-O retirement visa?

Most people use Wise because of their low fees and mid-market forex rates for the 800K transfer. You could also do a Swift transfer but you're at the mercy of the banks forex rates. Depending on the office you are using you might have to prove that the money came from abroad which is no problem using Swift but you have to make sure you have the right flags/reason for transfer if you're using Wise.

Set up a Schwab or chase checking account in the your home country… fund it with some cash… when you get to Thailand hit the ATM and withdraw 30k in baht… no fees as the refund them to you… now you have cash to set up your Thai bank account. Once setup … link the Schwab account and transfers take a day or 2 no charge.

I would tell you if you are comfortable carrying some cast with you to convert at a Super Rich — bring clean, unmarked $100 bills to exchange.

I transferred money from two banks I use in the U.S. Using Remitly which seems to offer really good exchange rates and transfer fee was $1.99 per transaction . But I was limited by how much I could transfer using my ATM card which allowed instantaneous transfers. Using my atm from stateside bank money moved with minutes. But for me using a transfer from bank account would have been three to five days.

I second Kasikorn bank and have my required money there for my 12month extension and use Kungsri for monthly account

Is that the one you should get multiple reentry on if you travel a lot?

I wire transfer from my US bank to my Thai bank. It typically takes 24-36 hrs for the money to show up in my Thai bank account. Note though that banks in the US and Thailand won't process the transfer on weekends and holidays and that there is a 12 hr time difference between the US and Thailand. That can increase the time to transfer. That has been my experience the past few years.

Stay clear of Bangkok Bank

Some people have set up a "wise" account before they leave their country. Then they transfer the money into that and when the account is opened add the money to the account via wise and it appears within hours. I have used it after i opened mine appeared within hours but was smaller amount and significantly less fees. I set up my kasikorn account with 1000 baht deposit only to open it.

Most banks would want some cash deposit like 3kthb or 5kthb, the other can follow. Aviod Bangkok bank if your going to get a visa extension, there too much trouble, KBank is a good bank.

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