My US bank does not charge for international transfers. I’m sure they make their money somewhere but it wasn’t obvious that Wise would be better. My plan was to compare a $100 transfer using both my bank and Wise. In 2022 I tried setting up a Wise account. It was a bit of a disaster and a long story I won’t go into. Wise wasn’t much help fixing the problems. I gave up on Wise.
When I tried to do this with Kasikorn bank it meant literally opening a new account. I ended up just changing my mailing address. I now live in Sisaket province but my official Kasikorn bank branch remains in Phra Khanong, Bangkok
He said he was 45. Once he is 50 he can get a non-O visa as a retiree for 1,900 baht but I have met expats over 50 that have the Elite visa and are happy with it. I have a 10 year pensioner LTR.
I think you can carry as much as you want but you need to declare it at customs when it reaches a certain amount. I carried $9,900 USD into Thailand once and avoided the need to declare $10,000.
If you are asking about using the monthly income method to meet the 1 year extension financial requirements then you need to deposit at least 65,000 baht to your bank account each month. You have to show that the money came from outside Thailand (an international transfer).
If you are using the 800,000 baht deposit method then the whole 800,000 must be on deposit in your Thai bank account.