You can spend it. That is proof you can survive here. Just make sure it’s every month from abroad in a Thai account in your name only. Been doing it for 7 years.
The answer I’m sure hasn’t changed. Go to your local immigration office and get a list of the documents needed, as there’s over 70 different immigration offices here and some requirements differ from office to office.
Yea, it’s a new COVID-19 era thing. I was told If you leave and return you need coverage up to when you renew your next extension of stay, then the NON IMM 0 won’t require insurance. I was also told I’ll only need 3 months worth of coverage on my return so still researching which of the two is correct
said use Bangkok bank is because transferwise uses a third party bank in Thailand and the transfer will not show up as international but as domestic which doesn’t count. Using Bangkok bank somehow gets around this. If you just did a direct bank to bank international transfer then SCB Bank is ok. This is very important to understand as just one wrong transfer will mess you up for another year.
Money sitting in an account and untouchable is not an economically viable choice. Ask any financial specialist if you just can’t figure that one out on your own. 65k a month if you can afford it, is by far the smart choice.