If you did something like this to start out your stay in Thailand, even though you are over 50, would it have an effect on moving to a non-o visa later?
I have Navy Federal Credit Union here in Washington, it's nationwide and they charge $25 for international transfers. I use Wise until I reach the threshold of $25 and the use my credit union.
I really don't want to be rude here, but these questions have been asked and answered interminably. Searching on this particular site would give you your answer many times over. You gave no mention of your financial situation or age until asked later. If you can't help yourself, even a little bit, moving here might be a bigger challenge than you bargained for, given the requirements to live peacefully without IO problems.