@Julane ******

exactly

But you can’t get long term visa without bank

Account. Unless if you have non o and applying for retirement visa they make exceptions

Here we go again with the 5% interest. That is around baht. So, your going to lock in with an agent while interest rates will never be 5% forever. Next year you be lucky getting 3.5%. Still enough to pay agent but if your worried about losing interest on so little money that is crazy argument. I’m sure you were not worry about interest rates pre-Covid. You know half the people don’t have there money in an account getting interest. Many people have $20,000 sitting in a USA checking account getting 0%. In 2026 your 2% interest not getting you much. Use an agent and be locked in. As far as trust. That comment can be made about many banks. Use agent if you don’t have 0 and only SS or convenience. Not interest rates. Because no out 100% of there money in an interest account. If was 2M baht I’d say ok maybe use agent. But for 0. I vote for do it alone. If requires your time yes to fill out forms and go to offices. If plan is one year or two i probably use an agent if 5 years + do alone. But I always see the one person with the interest rate comment.

I wonder what people said before Covid when rates were like 0%. I keep hearing the interest rate story, sorry but those rates are temporary. 2025 probably 3%. The exchange rate is 36.7 if it goes above 37 again I think better to bank 0 baht in a Thai bank. More likely to be 35 next year and maybe 34 in 2026. So the 2 baht increase gets you more than your 5% CD. But it is a gamble. Because if deflates by 2 to 39 you lose money. If after six or nine months you decide you will leave start spending money in your account. Your allow to drop it to 0 baht three months after extension. So, you could pull half out for 6 months and put into CD. But if you renew the 0 needs to be back in account I think 3 months before. You do have transfer fees but my bank only charges $25 which is good for a large transfer. Better to do without agent otherwise getting out of using them is difficult. But the interest excuse seems silly because we temporarily have high rates so everyone is worried about the interest income lost. Plus it is a simple process to do without agent as long as you have time and 0 baht to hold. Me I would gamble and say the $ today will be worth $ next year.

I have a better and cheaper app. $.01 to USA from Cambodia. Not sure if WiFi is required because sometimes it works when I am not on WiFi. But usually I use the app over WiFi. Can. Any line or toll free number. Crystal clear too. Love it.

@Scott ******

can the 90

Day be entended or do I have to do a border run and get new visa

$ is a lot of passive income so not probably for everyone

@Brandon ***********

was told by agents in pattaya they can do the dependent add on. One said she had to leave once I had my extension and apply at embassy

@Brandon ***********

why the change? Guess we can try they say no will bounce around Asia for a while. Maybe Philippines. They have a program that might work. We can do Vietnam for 90 days

Any idea how many months bank statements they require