in America, when you break transfers apart into smaller units to avoid the law it’s called structuring. And structuring is a separate crime which can result in jail, fines and seizure of the money.
Really bad advice.
I believe other countries have similar laws or everyone would avoid limits this way.
With my U.S. bank, you update your address in the app from your recliner.
Dear Bangkok Bank, if your app is secure enough to transfer all your money out of your account, why isn’t it secure enough to update your mailing address?
Using a dedicated, interest bearing fixed deposit account is a no brainer. Yes it’s just 2%, but that helps lessen the pain of 7% inflation slightly.
Protip #1: Open the new bank accounts before you close the existing account. Fund the account so the balances overlap by a few business days.
Protip #2: life is too short to fight bureaucrats. Hire a respected agent. In CM, this means one trip to the bank with the agent to flash my passport and bank book, and a second 3-5 minute appointment at immigration to sit for a photograph.