It's not clear what you are asking. What does it mean to cover yourself in regards to Thai authorities? Are you talking about tax implications? Ownership? Asking if someone could think you are working illegally?
I think you have previously told me that IF your country's embassy still does the income affidavit, then you HAVE to use that or 800K banked. No monthly transfers accepted alone then.
At the same time some offices want to see that the money also actually gets transferred to Thailand.
My father for example uses the affidavit from the Danish embassy. And sometimes they (Buengkan IO) want to also see his bank book with the transfers shown. But not every time, which is weird. His transfers are always every month and always above the required 65K.
Don't know what would happen if they weren't.
They have never commented on it, but just occasionally want to see his bankbook too.
Edit: He never gets asked for a bank letter or bank statement though.
If the Thai embassy in the country where you are applying from (where you physically are) only accept card payment, then get a friend/college/family to pay with a card and give them cash. It's not a fortune.
there is no chance of visa type, he is already on yearly extension. He apply for the 60 day visit family extension, and then again a yearly extension. It is all based on the same reason (marriage to a thai) and is perfectly doable. He is not applying for a new visa when doing this.
he is not asking about monthly transfer, but using an affidavit from his embassy. And as he is from Italy, if they ever did it, they probably still are. Danish Embassy still doing them. Only a few stopped. If you have that, you don't need either monthly transfers or a lump sum.
my experience with them was very positive. But yes, they will look for reasons why the applicant will travel back to Thailand. Being your girlfriend and you covering the trip doesn't cut any ice. They want to see her connections to Thailand. Reasons why she won't just go there and try to stay there. Job. Kids in school. Owning a house. Etc. If married it's much easier though.