I have savings but I also earn money, I'm a remote worker (and with a visa for remote workers: the DTV). I get my salary deposited every month on my home country bank account (where I must pay taxes for it). I always pay everything here using Thai QR, Alipay+(for
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as they don't take Thai QR) or credit/debit cards (in that order). My country (South Korea) banks have agreements with Thai banks so we can use our native Korean banks apps to pay here using either Thai QR or Alipay+. We can even use the app to get cash at any SCB ATM, but I don't really need to.
I've heard that not only Korea, but many Asian countries (Japan, China, Singapore, Taiwan maybe even Russia?) also have this kind of agreements. And no, I don't need to remit any money first to use it, I just use the regular QR scan and then the money is deducted real time from my bank account, without extra fees.
Side note: I first moved to Thailand with a DTV. Never lived here before that.
You'll be fined if you try to do it now or later (until here, a fact). But, and this is something not verified by me: If you leave before the 180 day mark (assuming you're a DTVer), and then reenter later, "nothing" will happen. Immigration would still know you didn't file it, and they'll impose a fine IF you ever visit Immigration (not the airport) for any reason. But if you don't, nothing would happen. Again this is not any personal advice, just what I've heard.
for regular transactions it's not a remittance. For ATM withdrawals, it could be, yes. I only used it to withdraw money once to try if it worked (it did), and it was like for 20K bath only. And my country (where the card is from) doesn't share any type of data with Thailand, either.
yes, like me. I don't work for a Thai company. I don't have (nor have had) a Thai bank account, I haven't remitted any money, and I don't pay rent to a Thai person or entity (I pay rent with my non Thai-card to Airbnb, which is foreing based).
I've heard many people that were rejected by the tax authority itself when trying to get a TIN. For me, that means 100% they didn't need to pay taxes here.
very difficult and NEAR to impossible especially if you don't use an agent, but it's not 100% impossible, as lots of people are getting accounts everyday, including yesterday and today 🤷🏻