Please note that other Thai government agencies don’t have access to the immigration system, including the MOFA and Thai embassies abroad. So if they want the data on your previous stays in Thailand for any official purposes (for example, visa application abroad, tax, work permits, etc.), you may want to have the stamps…
My partner applied for the 90-days spouse visa from abroad. We only put in 100k and it was enough. The 400k requirement only applies to 1-year extension within Thailand.
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