If you apply for an extension based on being married to a Thai, there is no requirement that funds have to be internationally transferred. You just need to have maintained 400K baht for 2 months as of the extension application day.
Q. can I come with Visa exemtion and confert it to extension of stay based on retired?
-> No. You cannot apply for an extension based on retirement directly to your visa-exempt entry.
First, you need to apply for an initial in-country Non-O visa based on retirement for 90 days. Then apply for a 1-year extension based on the same reason when your Non-O stamp is remaining for 30 days or less. This initial visa and the first extension have to be applied to the same immigration office.
As you said, if you can get an affidavit from your embassy in Thailand, it's possible to apply for an in-country initial Non-O based on retirement. Check with your local immigration office for detailed requirements with timeline once you arrive there.
The steps seem to be legit. You need to keep both balances more than 400K baht during switching.
You need a transaction report from your old bank from the application date until the transfers are completed. That shows you meet the requirements: keep 800K baht for three months after a new extension is approved, and keep 400K baht for the rest of the year.
Q. 1. Do i need to keep the old bank open until the extension renewal, or showing the overlap of transactions between old and new bank is good enough? (Will not keep old bank)
-> You don't need to keep both accounts; logically, you need the new one. BUT, I'd keep both account until the new extension is approved with using a new account. I don't know what'd happen if the immigration office asks for more documents or information, but the account has already been closed.
Q. 2
That is totally up to you, and sadly, this group doesn't advise about "which bank should I get an account?" type questions. Sorry..
Yes, if you want to apply for an initial in-country Non-O visa based on retirement, you have to prove your funds are internationally transferred. That is in the requirements (police order).
You can also apply for a Non-O single-entry for 90 days in a neighbouring country or before you fly to Thailand, to enter Thailand on it.
Not anytime. Depending on your local office, you have to wait until you have
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days or less remaining at the earliest.
Most offices accept 1-year extension applications within the last 30 days. There are some offices, such as Bangkok, Chiang Mai, and a few more, that allow you to apply for it when you have 45 days or less with your stamp.
You can apply for a 30-day tourism extension first, then apply for an initial in-country Non-O visa.
Be careful to count remaining days if you want to get a 30-day extension. Chiang Mai has a policy of remaining days of stamp that is actually 15 WORKING days, and there are several holidays in December - January.
As you entered on a visa-exempt, you can just forget about that part.
That stamp is used for ANY extension of stay, including long-term ones, and generally means you need a re-entry permit if you want to keep your current permitted stay stamp "alive" when you make a trip to another country within the period.
A re-entry permit wouldn't give you any extra days than the current stay stamp (in your case, 5 Nov). And I don't think immigration officers would sell you a re-entry permit on a visa-exempt entry stamp.
You just leave Thailand by midnight on 5 Nov, then you will be fine.
Very good of you to read the stamp carefully and try to clear any uncertain points, which many people don't do often, then go into some trouble later.
You can apply for a re-entry permit at the "re-entry visa" counter on the day you leave, after check-in and going through the security check. The counter is open
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The easiest is going to the International Departure Gate 2. There is a counter on your right when you go down the escalator after the security check. If you go through another departure gate, you tell the officer at passport control you need a re-entry permit, then go all the way to the re-entry permit counter at Gate 2 from the airside.
You may want to add 15-20 minutes to get one. Sometimes several people are waiting. When no one is waiting, it may take a few minutes, but it may still take about 10 minutes.
The official fee is the same, 1000 baht for a single re-entry permit, 3800 baht for a multiple re-entry permit.
If you don't have a photo (passport size), you may be required to pay an extra service fee of 200 baht.