***you should apply for the 90-days Non-Imm-O Retirement Visa in your home country, before you come to Thailand, because you will need to have entered on this visa to be able to open a Thai bank account

***the 90-days Non-Imm-O Retirement Visa is valid for use within three months from the date of issue. It doesn’t make sense to apply for it earlier then three months before your planned date of departure

***each of you will need to apply for the Non-O Visa, because most embassies have discontinued to issue “dependent” visa based on retirement. You need to ask the Thai embassy in your home country if they are willing to issue a “dependent” (or “trailing spouse”) visa and what the conditions and requirements are

*** in Thailand, if you are a citizen of UK, USA or Australia, your embassy does not issue an income affidavit any more. So, you cannot use any income for proof of finances, at least in the first year, for the application to the “Extension of Stay Permit based on Retirement”. You will each (!!) need a minimum of 800,000 THB in a Thai bank account in your sole name, to fulfill the requirements for an application to the “1-year Extended Stay Permit based on Retirement”

*** there is no minimum stay requirement once you have been issued the “1-year Extension of Temporary Stay Permit”. You however must be inside the country for the application on Immigration to the next “1-year Extension of Stay Permit” before the previous one expires

***once issued the “1-year Extension of Stay Permit”, if you plan to exit Thailand or plan to travel abroad, you need to buy a “re-entry permit” on Immigration or at the airport, in order to keep your most recent stamped extended stay permit alive.

@Bill ********

the OP wrote that Immigration does not accept a joint account

@Dany *******

even with an Euro account, the ATM has a daily limit and that's surely not a five digit number. A five-digits amount you can only access over the counter, and not even then with all banks without having to pre-order cash with them. The bank rules have tightened all over Europe, I think your insight is obsolete already

@Dany *******

Thai banks maximum daily limit usually is 200,000 THB and only over the counter. On ATM's the limit usually is 100,000 THB within 24 hours

@Tony ********

I set up my Thai Last Will according to the Thai Civil Code all by myself - in three languages. Wasn't what I would call easy. However reading that you had your Thai Last Will set up by a lawyer, THAT of course is easy! 😄😄

@Kabir ******

a POD is not possible in Thailand with a Thai bank

@Tony ********

I have heard stories that the Thai court executor approaches the beneficiary, asking for tea money. Without the court order, the beneficiary has no access to the bank account. Don't forget, this is Thailand, ranking pretty high on the list of corrupted countries

@Randy *******

important, not only name her as the "beneficiary" but also as the "executor" . . . Thai Last Will according to the Thai civil code

@Tony ********

withdrawing funds is illegal until a Thai court has acknowledged your Thai Last Will

@Tony ********

not as easy as you think . . . read my post, please. The Thai Last Will first must be acknowledged by a Thai court, and this can take up to 6 months. And the court executor might ask for tea money.