I'd much rather make one single deposit of B800k and be done with it as opposed to hoping and wishing that monthly deposits happen perfectly without fail 12 times.
I set it up with Khungthai bank. Yes, easy transfer using SWIFT. For me it was the best option. I don't know about a pension as I haven't elected to start my pension yet. As for your other questions, I enlisted the services of a Visa agent who took care of the bank account and the application and all the associated paperwork, so I didn't have to figure this stuff out. I highly recommend going this route as it made things so much easier... much time saved and stress-free.
To me maintaining this capital in Thailand with a single deposit vs hoping a monthly deposit comes in on time to avoid immigration issues far outweighs the interest received elsewhere. It's not big money; easily replenished thru my income streams. My monthly expenses certainly exceeds B65k!
I personally do this: the simple solution is to deposit B900k and then tap into it for daily needs. You've given yourself a cushion as your balance fluctuates. And as you dip toward B820k, top off the tank with another deposit. This is far easier than dealing with the B65k monthly transfers that might develop problems.
Yes! I used an agent when I first set up my Visa and continue with my agent for anything regarding immigration. Saves a ton of time and is stress free.
I'm not clear why people go for the monthly transfers. They have to occur precisely on time with no delays. So why worry about this 12 times per year instead of a single deposit?
You're right...I've been taking advantage of BKK location relative to other SE Asian countries. The airfares/hotels are such a good deal. Just back from Phnom Penh. Good to hear HCMC is positive as that'll be a first time trip next month!
I guess I'm a little different breed in that I love Thailand
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/365! Certainly the winter is much more comfortable. But the heat and humidity does not bother me. Some rain here and there is fine as I do not live in a flood zone. Bangkok is set up that I can pretty much leave my room and be undercover and air-conditioned all the way to the shopping mall to enjoy a day of cinema and eating and socializing.