@Jeremy *******

same. I think of it as my moving money in the unlikely event I get bored in Thailand. Separate account for daily spending

@Brenda ********

my bank lets me. Bangkok bank. But it might depend on your bank branch.

If someone wants to be really sure, they could transfer the 800k thb in a calendar year when they are in Thailand 179 days or less.

I never planned to switch to 65k thb since I don't want to risk a monthly transfer not arriving on time etc. I keep a separate account for my daily spending and I don't bother with letting the balance drop below 800k. I try to keep my visa as simple as possible.

I use Allianz global. Pricey but seems reputable about paying claims

i am able to change the amount in my Bangkok Bank app. Hoping it stays that way. Luckily my landlord has (transfer)wise account, so I am able to pay him via that from my (transfer)wise account with funds from my USA bank or my singapore bank account. If your large payment is for rent, maybe this method will help you.

I use Allianz since they seem reputable related to large claims but even with no claims, my rate increased 11% in year 2 and another 5% in year 3 and year 3 was going to be a bigger increase but I was only able to get them to reduce the increase to 5%. At some point, they will likely be too expensive for me. Uggg.

@Suzene ****

90-day reporting is for those of us on long-term visa. For example, my visa and extensions is the age 50+ nonO retirement visa. My extensions allow me to stay in the country for an entire year if I choose to do so. The 90-day reporting has nothing to do with those people that are just tourists.

Also plan to be dropped or priced out as you age or make any large claims

The key for my retirement visa is to make sure I am back in Thailand to do my extension. Mine expires in jan so I will be sure to come back in December to start the process of my next extension.

@Brandon ***********

thanks for the clarification