@Dorlisa ********

has to bea Thai Bank

In order to proceed Retirement Visa, there is one common procedural matter which many people face these days.

It is the bank statement that you have to submit with visa application. However it is very difficult to open a bank account with tourist visa. This is exactly chicken-egg issue as you mentioned. The Immigration office requires bank statement but you can't even open a bank account.......

It is an unreasonable procedure but you will have difficulty for this first step. If you can solve this problem, you can visit immigration and do yourself easily.

Tell you my case,

I had to get help from a visa agent. It costs a bit but affordable. And they do quick and easy process without any headache.