he is confusing the requirements, he would need 15 days left on his stay permit stamp if he applied for the "change" to the initial 90-days Non-Imm-O visa inside Thailand. He doesn't need to follow this requirement because he got that visa outside of Thailand and entered on it
correct. You see, a change of adress for a bank account is absolutely no problem. Thousands of Foreigners have yet had bank accounts opened in City X, then if they later moved to City Y, they were able to register their bank accounts under their new adress at the bank branch in City Y. It is absolutley no problem, as this is exactly what a TM30 accomodation registration is used for. It enables you to receive a certificate of residence from Immigration, which you take to the bank branch in City Y to get your account address moved, making the branch in City Y your new managing bank.
you are overcomplicating the matter. He can open an account in Pattaya, and re-register this account at the bank branch where he lives under his local adress. Why do you insist that this is not possible? Thousands of expats have moved within Thailand and changed their bank branches to their new locations
if your friends register you properly under the TM30 system, you can get a "certificate of residence" from Immigration for their adress. With this you will be able to get a bank account opened in Pattaya. Alternatively use an agent, it takes only one day
the advantage being on a Pattaya adress is, in Pattaya there are a multitude of agents who can legally open a bank account for you on a Non-Imm-O Retirement visa. This service usually costs between 5000 and 7000 Baht. If you try it by yourself, you will most probably get turned down by the majority of the banks, some will make you contract an accident insurance as the prerequisite, others will simply tell you "not possible". If you want to streamline the process, use an agent
in the place where you live, you just visit the bank and show them your "certificate of residence" from Immigration. They will register any account you opened in Pattaya under this adress. They will be your main bank branch from then on
Max, you like to overcomplicate things. He won't have any problems with the Kbank in his area, he can move the "main branch" to where he lives after having opened the account on a Pattaya adress. I opened my SCB account in Hua Hin and now my SCB branch is Sisaket where I obtain the bank letter of guarantee for Immigration