Banks all have pro's and cons, as can individual branches of the same bank. When using the 800K funds method, many expats keep this in a dedicated account throughout the year for Immigration purposes. Open a Fixed Term Deposit (FTD) account, which offers a higher interest rate than a Savings account. These types of account do not offer a debit card, just a passbook, so accidentally withdrawing funds from the wrong account is eliminated. As you already have a Bangkok bank account, it would be easy to also open an FTD account at the same branch. I've had a Savings and FTD account with Bangkok bank for over 12 years without any issues. Use a bank that is convenient for you to access. Note, some banks are now requesting proof of a present or previous overseas address in the form of an original document, so it would be a good idea to bring such a document with you. I transfer as an when required to my Savings account, usually just twice a year. Other than the originally 800K deposited in my FTD account, I never transfer or withdraw from that account, interest is added annually. Only if you chose to use the monthly income method for extensions, would you need to make monthly overseas transfers.
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