How does currency conversion work when transferring money from a US Bank to a Thai Bank account?

When transferring funds, such as 800,000 THB equivalent, from a US Bank to a Thai Bank account, the currency conversion can take place either at the US Bank before the transfer or at the Thai Bank once the funds arrive. Opinions vary: some suggest that it is often beneficial to let the Thai Bank handle the conversion as they might offer better exchange rates compared to the sending bank. Additionally, using transfer services like Wise or Xe can also provide competitive rates. Ultimately, the decision may depend on individual banking policies, as some banks allow you to choose whether to convert the currency beforehand or upon arrival.