@Henrik ****

rules continue to change, my point was the fact a good agent can open closed doors. Reading enough posts on here teaches us that exceptions seem to be as frequent as what was expected. I felt it was worth speaking to someone like Siam legal before living in Cambodia et al trying to get a visa that way. If I knew the correct answer I would not be reading the posts

I opened my bank account 3 months ago on a visa exempt stamp and paid the extra money to the legal company who were progressing my retirement visa through the non O route. I tried myself with a native Thai speakers help and all the correct documents ( same used in both applications) and was rejected went back with the legal team and magically came away with the bank account in Bangkok

Thanks everyone for your help it’s appreciated

I was told by my legal team that if I went to the airport and told them I would have a 2 day overstay they would fine me without consequence. As it happens I had to go to Malaysia so got the 60 day extension. I was in process of getting retirement visa and I took my docs with me but were not required at BKK

@Neil ********

thanks to all for your answers, I normally use wise but looked at Revolut and they have a maximum fee quoted as £5 but I have not tried yet. Also depends on currency rate between the outlets. I will feed back once I have tested all 3. But good to know I am not missing anything