So you don't consider for example Nakhon Si Thammarat being out in the sticks way down south? I do. But of course you need to ask the immigration office where you're staying. That's a given. I did that when I opened my first FDA.
Well, every retiree here doesn't stay out in the sticks in Isaan. I don't have to ask "my" immigration office about it because I already have my money in an FDA.
You can also open a Fixed Deposit Account and park your 800k there. Better interest rate and you never have to worry about going below 400k.It's accepted at most immigration offices.Then you can have another account for your daily/monthly spendings.
"Officially" it has to be income from pension and immigration has the right to ask for the source and proof of being officially retired. But, I know people sending 65k/month from accounts back home and have never been questioned. I guess it's just about karma and the immigration office. 😎
The government as you said, isn't tightening up anything when it comes to using agents. But Bangkok Bank is fed up with 800k showing up in bank accounts, then suddenly disappear. They are basically trying to make it harder for agents "lending" money short term.
800k, not 900k. If you can't afford 800k in a bank account after you've been working let's say 35 years or so, then you didn't save very much during those years. And you can actually spend up to 400k out of those 800k during 7 months every year and then top it up again for next 1 year extension. Stop whining just because you can't afford it.