You do need money in bank for Non O in Thailand can be in the same day you apply not seasoned then in last 30 days apply for retirement extension once 800,000 baht has been in account for 2 months.

Bangkok Bank with residence certificate and accident insurance purchase, no thank you/not needed did not change this. Of course this will vary by region and branch.

I think you have to apply for the non O and first retirement extension at the same immigration office. For address I believe just an up to date and signed TM30 - current address registration is fine for the Non O and for the retirement extension then on to 90 day reports....this is all based on info I received from Phuket immigration office so not sure if it will vary by office.

Oh I don't think that is a problem for immigration to transfer Thai baht from overseas into your Thai bank account

My understanding is just must come from overseas but as they state 800,000 Thai baht would set up the local account in baht...then use a company such as Wise which will convert your local currency to Thai baht before transferring. I believe if you transferred your home country currency it would just be converted to Thai baht by your bank in Thailand.

TD Canada Trust confirmed on phone call you can't set Wise up as payee and wire transfer can only be done in person.

Dale Wicks TD Canada Trust? how did you set them up as payee?

I think Scotiabank as well can be set up for Wise

And TD rate is horrible compared to Wise or the rate in Thailand.

Also if you bank in Canada be aware that many banks (TD Canada Trust for example) you can't set up Wise as payee and you have to physically visit bank for wire transfer. Wise tells us we can use debit card or credit card (have yet to complete this) so would need to talk to bank to increase debit limit if necessary.