@CN ***

yes, your bank uses a code to differentiate the method of transfer..local or international. Wise and Remitly transfer only from abroad to Thailand.

@CN ***

my SS deposits go directly to my US bank account after which I use WISE or Remitly to transfer my monthly baht to my Thai bank account after which I withdraw for living expenses.

The baht I transfer monthly can be withdrawn which in my case covers my monthly expenses.

The options are to deposit 800,000 baht in a Thai bank account or transfer baht monthly for 12 consecutive months that was the method I've used for the past 7 years. The mistake I made was failing to make my October 2023 baht transfer that disqualified me for a new 12 month extension. I'm in the process of obtaining a new Non O immigrant visa followed with a 12 month extension. Essentially I had to start over with a new retirement visa.

Thank you..

The other option is to open a Thailand bank account and transfer 65,000 baht from your US bank to your Thai bank for 12 consecutive months plus an additional 20,000 baht to bring your annual Total to 800,000. This will qualify you for a Non-O retirement visa

No need for an agent, best to do the retirement visa yourself