Canada is another country that provides these affidavits and it has worked great for us. We did it from 2021-2023 with no problem. We let our retirement Non-O's lapse last year to travel but are starting over again next month so hopefully the Canadian consulate in Chiang Mai is still providing them. 🙂 Is there a list of which countries still do the income affidavits? I know the US, UK and Oz stopped it a few years ago.
Depends where you are from. Some countries can get an affidavit of income from their embassy/consulate in Thailand instead of transferring $ for the Non-O retirement extension. Canada is an example of a country still doing this. US, UK and OZ stopped it a few years ago.
If you have a Thai bank account then you won't be stiffed 220 THB at the ATM. I think cashless is very popular with Thais. It seems like you can use PromptPay on your phone's bank app for pretty much everything these days.
How much would a person actually save, if any, by muling in $20K cash and exchanging at SuperRich vs using something like Wise etc. to transfer straight into a Thai bank account?
Non O Visa based on retirement for you and Non O visa based on trailing spouse for your wife. First both of you apply for 90 day Non O retirement visas from Canada showing your banks statements to get them. In Thailand near the end of the 90 days, take your Canadian marriage license and rev Canada statement of income to your local Canada consul/embassy and get an affidavit of income/proof of marriage (1250 THB) and take it to immigration when you apply for your Non O visa extensions. Then only you need to prove > 800K THB income and your wife slides in with you. 🙂 Repeat the Thai steps every year. You'll also need to do 1 in person 90 day report and the rest take 30 seconds online, every 90 days. This is what my Canadian wife and I do in Chiang Mai. Got all the details off the Thai Visa Advice FB group. Just search for my name in there for all the posts about it. You 100% do not need an agent.
What is "notarization etc."? I only had to book a consulate appointment online in CM and spent 20 mins getting the affidavit of income. Just needed to show my statement of income (available free online from rev Canada) showing over 800K THB annual income.