some drive without license yes!! But police check ask tk see license so mainly only older people in the rural village. And of course same the world , no license automatically means no insurance
if you coming in and out of the country the immigration issue an exemption visa at their discretion. Better you apply for a visa as nay get refused entry
Depending the location you maybe able to open an account yourselves, especially as you already owe a property, you need to first register a TM30 on arrival, then ask for a residence certificate from immigration. If all fails please PM me for a excellent contact who can help you