All looks pretty straight forward to me.

@Max **********

nothing negative about wanting to feel secure where an accident of some kind is so much more likely than in home country. I can get on with life knowing I will be well looked after should the worst happen.

@Max **********

you could find yourself unable or not allowed to fly. Then what?

You will be relieved to learn that your future 90 day REPORTS (TM47) will take about of the time it took you to write your post. If you get it set up correctly which is not difficult. Personally, if I had to go through what you did 4 times a year I would just pay the fine and have done with it.

All the people that I know with Elite visa now regret getting it especially after what has happened recently. I have no issues with having the non O based on being over 50 based on monthly payments into a Thai bank account. It also means I can choose whatever health insurance I like. Get the 90 day visa before you co.e to Thailand as it will make it easier to open a bank account. Then do the necessary to get a 12 month extension.

@Peter ***************

she wont listen!

@Nelly *****

look. I use Wise to transfer money from UK to Thailand on a monthly basis. Have done for 5 years. Wise tells me exactly how many baht will be sent to my Thai bank. Exactly the same amount of baht appears in any three of my Thai banks in around 23 hours. NO CHARGES HAVE EVER BEEN TAKEN FROM THIS AMOUNT BY MY THAI BANKS. You can listen to people on here who give you information or you can ignore them. Up to you. However, if you use an overseas card to withdraw from a Thai atm then you will be charged 220 baht on whatever amount you withdraw.

@Nelly *****

no they dont!

@Peter *********

rubbish

@Nelly *****

Bangkok Bank and Krngthai charge me nothing also. I get exactly what Wise says I will based on exchange rate with no bank fee.