Drawing money from ATM, even spending it on credit card is technically a Remittance to Thailand however can you possibly see how this moves from "technically" to "practically"? Yet another loophole. Please remember all above only applies if you spend physically more than 180 days in Thailand in any (calendar = tax) year at which point you become a resident for tax purposes. Personally i stick to max 179 days per year and do not wory about the rest, The world is a big place.

@Paul ********

your Visa is non-o not non-oa. No health insurance required just TM30 and 800kbaht seasoned for 2 months on a Thai bank account.

@John ********

even if you regularise your tax status in Thailand there is a double taxation agreement between the UK and Thailand. You will never pay tax twice. Additionally the Thai taxable income is based on remittance and not worldwide earned income. But even when both principles are cleared there is currently a lot of loopholes and ambiguity and for the time being i would not worry too much. Search for some developments of last week on this matter (try TNT - Tim Newton).

DTV is only 1 year old. Must have been opened on a tourist visa.

@Chris *****

their FX rate is not very good - Due Diligence comparative calculation needed

Wise allows two fee free withdrawals per calendar month up to £200 in total - please check though current T&C. Anything in excess of above two criteria the charges apply. 220 baht is from the Thai Bank, unavoidable and hence always withdraw highest amount allowable (usually 20,000 but Krungsri Bank 30,000).,

Never stay 90 days or more. When you return the 90 days reporting requirement resets itself.

@Chris *****

what a load of tosh…. Wise does not have bad reputation and wise will always give you better rate and lower fees than a local bank. Transfers are instant to some countries and within pre-agreed time to others. Never had problems with Wise.

The only way around is non-o which does not require insurance. Even with no pre-existing conditions the Non-OA was so complicated i opted for non-o instead (even insurance agent advised me so).

Impressive … that you stayed at Travelodge.