Nelly Byrd ? Okay, I show you amount in ฿ by Wise sent to my bangkok bank account and then the picture of the same amount IN the bangkok bank account. And yes, you have to believe me that further in date, there was no extra fee.
NEVER had to pay extra fee on my Bangkok bank account nor Kasikorn account. Always the same amount Wise 'tells me' and also not later in time any fee. Transfered thousand of Euro's in last couple of years.
The only thing I remember reading is that not every country gives you a NON imm OA visa every time. You have to check this with the Thai Embassy in y'r home country.
Don't think so concerning the last bit. After that second year (need a re-entry permit if you want to leave and come back) you can ask for a year extension (with health insurance of the whole period of that year extension). So the only difference between a year extension based on NON imm. OA and NON imm O is that health insurance requirement.