Why just KBank and only in Pattaya? You can also try KBank on Jomtien Beach Rd. Just take the baht bus from Pattaya straight to the bank. If you're on a 90 days Non-O based on retirement but staying in another province than Pattaya, you'll have some logistic problems doing 1 year extensions.
When sending large amounts the fee is actually lower compared to small amounts. It's not linear if you understand what I mean. Again,just compare fees.