I use wise and Revolute .I can transfer from a high interest account into either of these almost instantly and then onto.my Thai bank account in seconds. Or in an emergency use a credit card and transfer later .
also Pay the equivalent of the typical insurance policy premium into your account with a million baht in it .. with a bit of luck ,in a few years you will have 1.5 million as a buffer and so on .
Half the Visas are done nudge ,nudge ,wink ,wink ! How does this obvious and detectable activity get through the last 25 years of audits ,throughout the kingdom .?