I applied for 90 day non O visa and was issued a visa based on Marriage. But I am hopeful that I will be able to change it to a Retirement, but it is no issue if I am not allowed to in the first year.
Thats not a problem. It only becomes a problem when the total number of days add up to over 180 days in total in a calendar year, then you become a tax resident of Thailand and you lose your tax resident status in Aust.
It shouldn't make any difference if you transfer from your bank account in Aust or direct to Thailand. As soon as it's transferred it becomes assessable to be taxed if you are a tax resident of Thailand.