Are you starting to do the 12 65k montly international transfers for your extension next year? That is how you free-up the 400k for withdrawal (and the 65k can be withdrawn immediately after deposit).
yes but he specifically asked about a retirement visa extension which has a higher financial requirement but less documentation etc. required which is why some prefer it
Some Immigration Offices require that the bank account is in your name only but if they do accept a joint account then the financial requirement (800k for retirement) will double