@Nick ***********
...They changed their policies about letter of guarntee for retirement visa application with Thai Immigration. I use the 65K baht international wire transfer every month for 12 months and get a annual bank statement to show proof of my monthly transfer to satisfy the valid financial requirement verses holding 400,000 (married) 800,000 (single) to be seasoned in bank. This year Bangkok Bank wouldn't give me a letter of guarantee unless I allowed them to freeze 400,000 baht in my savings account for 4 months. I had no choice but to agree to the upgrade. The immigration officer flat out told me that Bangkok Bank has aggresively been making it more difficult for long term expats to obtain visas and that they are the first to enforce new policies that were put into effect as of 2025. The Thai immigration officer also told me use any other bank but stay away from Bangkok Bank. He knows because he sees first hand how much of a problem they have made for expats. I use WISE for my international transfers from my USA bank to Thailand bank. Kasikorn is the main banking institution that WISE uses to complete the international transfer and if you use another bank the wire transfer can take 24 hours to 5 or 7 days (depending on holidays, weekends, etc.). Using Kasikorn you will get your wire transfer in minutes or same business day.