Your last paragraph mentions frustration that things are not consistently applied. The entire country is structured like that. It’s not done accidentally either.
It’s something anyone living in Thailand will need to get used to.
I think you’re confusing two different processes. Applying for a visa from an embassy or consulate, fees are non refundable, they are ‘processing fees’ not visa fees.
Applying for an extension in an immigration office, fees are paid when they give you the extension.
Luke you seem to think that there’s a connection between immigration and banks. There is no ‘they’ that can change bank policy to match what people on a certain kind of visa would like.
Thai banks aren’t interested in your difficulties at immigration.
I think they sent you that request first because it's a basic requirement without which they will not process your application further. Basically, they're not even going to look at it until they know you're in the country.
I just received a reply to my email asking if there’s an online top up facility and the answer was no. Currently the only top up for the card associated with this app is at a Kasikorn Bank foreign exchange booth.
I have further asked if that means on,y cash, or if foreign cars can be used to do that.