I know nothing about this but one question if I may : those on non-o based on marriage or retirement and use the monthly option - that would be considered bringing money in - right?
.Pay by scan with your phone with qr codes (I use that a lot in shops and lazada). 2.no atm fees - or up to 10 baht. 3 cardless withdrawal atm. 4.Instant payment to other Thai bank accounts. .Not depending on 1 bank card. I am quite happy with my 2 accounts