@John *******

technically no advantage (you DON'T need a 90-days insurance, you will find this out once you apply by the E-visa system). The financial proof however on immigration is 800.000.-THB instead of 10,000.- US$ . . . . . "Required documents to upload in the system (Large and clear JPEG or PDF format):

Passport Biodata Page (Must be valid within 6 months)

Photograph of the applicant, taken within the past six months.

Flight itinerary to Thailand. Itinerary must include the applicant's name, flight number, and date of traveling.

Checking or saving bank statements (every month in the past 3 months) with an ending balance of no less than $10,000 that shows the applicant name.

Passport pages containing all travel records for the past 12 months. "

@John *******

" I would get a non o except there is an insurance requirement in my country for a non o" . . . . . . . . gladly to say, then you probably missed that the 90-days health insurance requirement for application to the "90 days Non-imm-O retirement visa" has been discontinued

@Vernon ********

you are right!

@Alistair *********

😎😁Good Luck in trying!

@Alistair *********

after 9 months with the multi entry Tourist Visa, it is OVER for a while. You cannot do visa exempt entries right after these 9 months on a METV. You will most probably be denied entry.

@Alistair *********

et al! You most obviously DON'T understand the DKB bank card system.

I got a VISA-CARD - a real friggin' credit card

For this VISACARD there EXISTS an account. In this credit card account I park money (as of today there are 25.000.- Euros) So my credit card account balance never falls below zero

So if I purchase anything using my VISACARD, or withdraw money at an ATM with my credit card, I pay ZERO INTEREST and ZERO PROVISIONS, because the money already is in my credit card account.

If I purchase something for 3870.- Thai Baht, it would set my credit card balance back 100.- Euros. From 25,000 to 24,900.- Euros. And that’s it.

No interest, no 1,75% provisions

My credit card account is always in the plus!

I would only have to pay interest, if a run the account balance into minus! However this does not happen. I can always shift money from my giro account onto my credit card account to keep it in the plus.

I could run my VISA-CARD into minus 4000.- Euros, and then, only then, would I need to pay interest.

And at the same time I got a giro account with the DKB bank. If I wanted to use this giro account for purchases and withdrawals, I would need to use the “DKB Visa Debit Card” that I got issued by the DKB bank, NEXT to my DKB VISACARD

Then, and only then, I would have to pay a provisional percentage on purchases and withdrawals.

Why I don’t use this “DKB Visa Debit Card”?

Because my REAL credit card, the DKB VISACARD, offers provisions-FREE foreign purchases and charge-FREE foreign withdrawals

The ONLY charge I pay to keep the VISACARD, are 2,49.- Euros monthly fee

The “DKB Visa Debit Card” is issued for free

Is this UNDERSTOOD now?

If your bank doesn’t offer THESE wonderful conditions, I am sorry for you

@Todd ********

we are not talking on the same level. My DKB Visacard is based on my "credit card account" which I got next to my "giro account", and this credit card account is always in the plus, because I pay money into it. At the moment there is 25.000.- Euro in this account, earning interest, and when I withdraw 3800.- THB, my balance will end up at .- Euro in the plus and I still don't pay any interest! YOUR credit cards draw up a debt, which gets reimbursed only once a month from your giro account, that's why you are paying interest, because you have built up a debt for a short period. You owe that to your turbo capitalist U.S. banking system 😃 As I said: "U.S. Americans are SERVANTS (should I say slaves?) of their system, whilst Europeans are SERVED by their systems. . . best example the health system: In Germany, it serves everyone equally. In the U.S.A., it serves only the riches, and the poor are receiving only the lowest care. I know many of you call it wrongly "communism" but that's not what it is

@Todd ********

maybe in the USA with the credit cards issued there. Some European credit cards don't work like that. Myself I never have any negative balance on my DKB Visacard, as I am always in the plus. I do not pay any interest on any withdrawn Thai Baht amount as long as my credit card balance remains in the plus. . . I surely hope you understand this logic 😎

@Alistair *********

the exchange rate with a credit card (at least with THOSE European cards that do NOT charge a foreign remittance or purchase fee, like the one I use!) at an ATM actually is VERY good! It's better than an exchange with cash on a bank counter. However you need to spread the 220.- Baht ATM fee over a large amount, so you should withdraw a minimum of 20,000.- THB, or preferably the 30,000.- THB an ATM of the Krungsri bank allows

@Alistair *********

at an ATM, you actually receive the same exchange rate with either a Visa-Debit card or with a Visa-Credit Card. Both are based on the daily spot rate (i am not fluent with the correct term) You however always pay the Thai bank's ATM fee of 220.- THB. And you should be careful not to fall for the DCC scam