KhunHeineken

Link please. Didn't you just said you can not be taxed, therefore, how can you be refunded? Another member posted a link to the thread, but here's the link to the actual youtube video. Also, a member has posted a screenshot. Have a look at around 18:50 minutes. It states there is no exclusion for the Australian aged pension in the DTA. There's also this from these from the ATO. https://community.ato.gov.au/s/question/a0J9s0000002ngF/p00172380 https://community.ato.gov.au/s/question/a0J9s000000O2y4/p00197245 In fairness, a screenshot was posted by a member that was from another ATO staff member who said no tax was payable due to the DTA, but it's a screenshot and I can't link it. Article 18 and Article 19 of the DTA relate to pensions. An aged pension is not a civil service pension.

I don't carry a virtual card on my phone. I don't do any financial transactions on my phone at all, so can't speak about shops. I have never paid with a physical card in a shop, restaurant, hotel etc, and I am the same with the virtual card. Mine is Visa, and is accepted by every online merchant that excepts a physical plastic Visa card. Flights, Agoda (hotels) etc, no problem. It's the same as sitting in front of your PC with the plastic card entering the details.

Just reread your post. I only have a virtual debit card. I'm not sure if you can get a virtual credit card. I have posted how I use it.

There are no limits on the amount of virtual cards you can generate. Obviously, if you were generating 100 a day it would raise suspicion and probably breach their fair use policy. Using your example here's how they can stop fraud. There are two ways. Firstly, you enter your virtual card number with Sri Lankan Airlines. It's a new merchant so triggers 2FA. This means you have to authorize the payment with a code. Say someone dodgy at Sri Lankan Airlines sells your virtual card details to someone in San Francisco, firstly, there's no magnetic strip to clone, but if they go shopping online it triggers the 2FA. So, straight away you know someone is trying to use your card details. Cancel the card immediately and generate a new one and you are up and running again. No messing around with a bank and postage. Second, say you are about to buy something from an online seller that could be dodgy. You purchase the item and cancel the card straight away. They still get their money and you get the item, but the virtual card is canceled seconds after you give it to the possibly dodgy website. You generate a new one and within seconds are up and running again. You can use pre paid Visa / Master Cards for this, like I used to, but with a virtual card you do it all from home. As an extra safety, I only move the amount of money for the item I am buying onto the virtual card before I buy the item. In your example, say the Sri Lankan Airlines flights were 20,000 baht. You move 20,000 baht from your savings account onto the virtual card and buy your flights. Then, the scammer in San Francisco gets "insufficient funds" for any attempted purchasing. Times are changing. Scammers are becoming more sophisticated. If you wanted to, as mentioned above, and within reason, after every single online transaction you can generate a new virtual card. That's something you can't do with a bank.

Sure, but had to ring the bank, go through security questions, cancel the card, order a new card, wait on the post, activate the new card. Virtual card with 2FA for every new transaction, and if ever compromised, or expiring, you cancel your old virtual card and generate a new card yourself within seconds. I haven't entered the number / details of a physical plastic card anywhere on the internet for a long time.

Yes, a shark bit the cable.

Not long to go now. https://australiandebtclock.com.au

On the 9am Leo again I see.

They are nothing new. They have been around for a while. They work the same way as entering the card number, your name, expiry date, and CVV into any online payment system, except there is no plastic card. They are popular in the USA, not so much in other countries because their banks are not offering them. At any point if you see your virtual card may be compromised, within seconds you have canceled the old one and generated a new virtual card. Same thing when the virtual card is due to expire, you just generate another one. No postage or plastic involved. WISE is popular with expats in Thailand. WISE do virtual cards. Read more about it here. https://wise.com/gb/virtual-card/

Please post the contact details of your wife's accountant.

If your credit / debit card details are held on a company's server, that's any company, anywhere in the world it's hosted, eventually that card is going to be compromised. Such is the amount of cyber attacks these days. I am now using a virtual card for every online company I have dealings with. If / when that virtual card is compromised, with a few mouse clicks I get another virtual card and then update my payments / subscriptions etc with companies with the new number. No more waiting for the bank to post out a physical card and having it forwarded to me. As cards near their expiry, you have to update them with companies anyway.

Correct. Lacessit thought he would avoid the tax by moving some funds late 2023. It's tax he should have always been paying, like most, if not all of us. He's now getting paid a pittance from a Thai bank, and probably losing more in interest than his tax liability in Thailand.

Well, Certificates of Residence are supposed to be free, but most pay 300 baht. Why wouldn't the bosses of TRD offices make up their own rules to put their own snouts in the trough as well? Said it before, most expat pensioners may not even have to pay any tax, but they MAY have to pay for a document from the TRD, and just like the free Certificate of Residence that is 300 baht, that goes straight into someone's pocket. We will get to see how it unfolds early next year, but they can change the rules on the fly to suit themselves. Irrelevant to foreigners living here. The government simply doesn't care. Relevance? And your point in relation to foreigners is???? The property market has been dead for years, due to oversupply. So do most Thai's.

So, nothing has changed then. Right?

Don't forget the pig farm.

It's going to be fun. Strap yourself for the ride. That said, depending on what the Thai authorities do, one should be prepared to at least consider that it may no longer be financially beneficial for them to reside in Thailand past 180 days in a calendar year.

Nest egg in Singapore, play money in Cambodia, and elsewhere.

Sure, and why pay 1400 baht when you can buy them for 348 baht?

Well, I thought Ego would "come out to play" but I guess not. I remember him posting something about me having my tail between my legs on this issue. Interesting he hasn't posted how wrong this guy is. He was quite vocal about Article 18, and how we all should "forget about Article 19." Article 18 and Article 19 of the DTA between Australia and Thailand was put forward as the big victory for Aussie pensioners, alas, at least one professional doesn't see it that way. Perhaps Lacessit can post about it. He claimed Article 18 and Article 19 clearly set out why Aussie aged pensioners will not be taxed. Maybe he will be more forthcoming on how this professional is wrong. It just leaves me wondering if the information from Jim Quinn, from the ATO, is accurate, or not, particularly as there were a few other staff members from the ATO that said non resident tax must be paid by aged pensioners living overseas. Hopefully Ego and / or Lacessit will be along soon to clear it all up.

Only half correct. VB popular in Australia, Fosters not.

Forgot to mention. I suspect the OP meant Aussie imported beer, not Aussie craft beer, but who knows?

No, up to you as in, up to everyone how they choose to answer. Many continue to their bank/s they are a resident for tax purposes, when they clearly are not.

Have you ever actually tried any craft beer?

Do you have any content to post?

I've never volunteered this information. My bank/s have always had to ask me for it. Maintaining a "domicile" in Australia, my reply to them is I am still a resident for tax purposes. How each member answers the question is up to them, however, making a false declaration is an offense. I suspect after the proposed changes are passed, it will not matter in the future anyway.