800,000 @ 5% interest is double what an agent charges and your money is in your control ! I personally wouldn't trust the thai banks or thai government for that matter ! Up to you !
If you get bitten by a dog owners are supposed to give you 300 baht and an egg ! My son and wife scarred for life ! Wife got nothing ! A teenager came past our house on a motorbike kicked my dog in the mouth and got a scratch ! Mom came down demanding 300 baht mother-in-law gave her 200 still bitching about it ! I wouldn't have given them anything!