Are you over 50 years? If so obtain a Retirement Visa for 12 months in Australia. In Thailand, Two months before visa expires have 800,000 Thai Baht in a Thai bank account, then apply for annual extension of stay based on being over 50. I have been doing this for over 12 years. Very hard to get an initial Retirement Visa when in Thailand because Banks will only open an account for you if you have a long stay visa,
. Not sure where you are from. I do not believe that 800,000 thb is a rediculous amount. If you do not have the funds to be able to place that amount in the bank then I wonder how you expect to live in Thailand. Perhaps you may be better remaining in your home counrty.
I leave the 800,000 permanently in the bank but it is a little flexible but must not drop below 400,000 and be back at 800,000 three months before renewal time.
You should be able to open a bank account yourself, even if you are on a tourist visa or visa exempt stamp. All banks have different requirements. All branches have different requirements. Even within a branch two staff members may give very different answers. Find a branch of the bank you want (I use Bangkok Bank in Doi Saket), in an area with lots of foreigners. Go to the bank with your passport and a friend who holds an account at that branch. Have 100,000 thb to deposit. Should work but many banks/branches will also require a certificate of residence from Immigration. But instead, you could offer a letter from your hotel/ hostel/ Airbnb/ friends house stating that you stay there. Doi Saket Bangkok will work with that.
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You will need -
Long term visa, if its a new e-visa, make copies, they wont do it for you ( no exceptions )
Certificate of Residency ( no exceptions ) they except a copy as long as you bring the original with you.
Copy of your lease ( sometimes they ask, if they ask and you dont have it, you will have to come back )
3 forms of government ID ( no exceptions ) 1 must be your passport, make copies of your photo page and latest visa stamp to save time
should be in english or thai drivers licence
Thai phone number ( no exceptions ) must be your thai number as they will send you verification codes during the process. If you dont have your phone or cant get the codes, youl have to come back.
You will need to download the SCB app and let them help you activate it or youll have to come back )
A sponsor ( someone with an account at that branch, thai or farang ) to make an introduction helps a lot. I have had an account at this branch for 7 years. Never a problem. Always great service. And if you are polite and respectful, they remember you, which always helps.
Remember folks, you are a guest here. The culture is different. Act properly, dress properly and respect the rules and things will always be easier, especially when you want something and its easy for them to say no...........
Your terminology is very incorrect. It is possible that arrived on a retirement visa (maybe) but you could not have had it for four years. If you had a retirement visa, it ran out after one year. Maybe you then obtained extension of stay based on being over 50 for the next three years. Then you possibly had extensions of stay based on being married to a Thai person for the next three years. The Visa exempt entry is for tourists coming to Thailand. I can see (and so will the Immigration officer) that by your 7 plus years of living in Thailand that you cannot claim to be a tourist, therefore I would expect that if you attempt a visa exempt entry, that the Immigration officer would rightly deny you entry into Thailand. If you want to come to Thailand you need a long term visa appropriate to your reason for stay.