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Who is responsible for the transfer fees when sending 65,000 THB monthly?
Thailand VisaTHB Transfer FeesInternational Money TransfersExpat FinancesBanking in ThailandThai Bank Requirements
Nov 25, 2025
5 months ago
Jim *******
ORIGINAL POSTERI repeated my question for those chosing 65,000 THB a month method. Who pays the transfer fee? Could well be 1,000 THB for each transfer, the destination gets a tad less than 65,000 THB but enough to ruin the round sum of 65,000 THB.
I am sending 22,000 THB yearly for the building maintenance of our condo. For that amount I have to add 500 THB atop. For 65,000 THB may well be more.
65,000 THB monthly transfer does not pop up just like that. There are fees.
I am sending 22,000 THB yearly for the building maintenance of our condo. For that amount I have to add 500 THB atop. For 65,000 THB may well be more.
65,000 THB monthly transfer does not pop up just like that. There are fees.
TLDR : Answer Summary
The conversation centers around the need to ensure that when transferring 65,000 THB monthly to a Thai bank account for visa purposes, one must account for any potential transfer fees. Contributors emphasize that it is prudent to transfer slightly more than the minimum required amount to cover these fees effectively, ensuring that the net amount received in the Thai bank account remains above the required threshold. Several individuals recommend using services like Wise for lower transfer costs and suggest adding a cushion to the transfer to prevent falling short due to fees.
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Peter *******
Seriously who do you think pays for it?
Jarle *******
@Peter ******
If you've been kind, maybe Santa will pay.Yo***
@Peter ******
he thinks, thai government should pay for his fee to transfer his money to Thailand. 🤣 even he said 500 Thb for a month transfer fee, after 12 months, it will be 6000 THB. So he can live with this for half month in Thailand. What a cheap Charie is he??? 🤣🤣🤣Actually I can not blame on Thai immigrations and their stupid actions against foreigners. because there are so many stupid foreigners in Thailand, who are far behind of the common sense like the Author here.Jim *******
ORIGINAL POSTER@Yo***
Morons like you see 65,000 THB fly from overseas over to Thai for free. Nobody mentioned the fees, they even went after those who have 800K THB sitting in a Thai bank with no interest.Peter *******
@Jim ******
people like us recognize that we have to ensure the correct amount hits the bank account, regardless of exchange rates and fees.You still haven't answered my question, who pays for it?
Jim *******
ORIGINAL POSTER@Peter ******
You have to tell me who pays for it. To get clear 65,000 THB in your Thai bank account.That is the whole point of my post.
Peter *******
@Jim ******
Jim, seriously take an invoice to immigration, highlighting how much you've spent, the exchange rate and how much you've lost.Im sure they will pay.
Or you can do like the rest of us and accept the costs of international bank transfers as a negative side to living in a country with a cheaper cost of living.
And chose your timing to transfer that you offset the fees with an improved exchange rate ( like i do) but im not sending
*****
, im sending 450,000 whenever I think it's beneficial to me.Or as my old boss used to say, suck it up buttercup.
Yo***
@Peter ******
he thinks or dreams, that he is invited by Thailand as VVIP. so he accepted this generously for Thailand, but he see that there is fee every month, and he thinks why I have to pay for it?? because I am the VVIP and invited by Thai government. So why i pay this by myself??? Thailand must pay for it!! I am the VVIP in Thailand!! I generously transfer so much money already 65,000 THB!!! a month !!!so much money to Thailand!!! Thailand must thank me!! But I pay the fee??? Why???? his thinking process goes like this. So funny man🤣Jim *******
ORIGINAL POSTER@Yo***
It is the idiots here that think 65,000 THB monthly appear out of the blue, in that exatct sum, nobody pays the transfers.Peter *******
@Jim ******
we all know who pays the transfers. The strange thing is you don't seem to realise that it's you. And for a man supposedly as successful as you are, you seem to think you are educating us, when in fact you are not.Yo***
@Jim ******
Everyone told you many times!! Who pays for it?? It is You!!! noone else. Everyone pays for that. How to get clear 65,000 THB in your Thai bank??, It is your money, it is your bank. it is your choice, it is your life. You chose this way and Thailand. If you do not like or disagree, just go to other place you like. so many people here commented like this but you do still not understand at all.Reply to
Yo***
Reply
Mark *********
wise always puts the transfer fee on top of the amount that is to be sent. if I tell them I want $65,000 baht to arrive in my account then they add the fee on top of the $65,000 baht. The same thing happened with the swift transfer. You specify the amount that you want to have arrive in the designated account.
Jim *******
ORIGINAL POSTERThere we are. 65,000 THB do not pop out of the blue. Someone has to pay that fee, 12 times a year.
My bank (Japan) sends Japanese Yen (I calculate roughly + 1) what the amount is and Thai bank does their calculation.
As I said, above certain amount with my bank, SWIFT transfer is free.
So is their ATM card. No fee (there is 250 THB) but refunded.
Australia is near cashless society, my daughter buys ice cream cone or snacks from vending machines, minor money, no currency markup.
I tried that in Bangkok, same thing, street vendors accept my card. 50THB is calculated as that day Japanese currency exchange, not Thai rate.
My bank (Japan) sends Japanese Yen (I calculate roughly + 1) what the amount is and Thai bank does their calculation.
As I said, above certain amount with my bank, SWIFT transfer is free.
So is their ATM card. No fee (there is 250 THB) but refunded.
Australia is near cashless society, my daughter buys ice cream cone or snacks from vending machines, minor money, no currency markup.
I tried that in Bangkok, same thing, street vendors accept my card. 50THB is calculated as that day Japanese currency exchange, not Thai rate.
Ivan ************
@J**
the bottom line is 65,000 or more has to appear on your Thai bank statement. So you need to ensure that when you send, you send enough that 65,000+ will appear AFTER any fees. Sometimes with "free" SWIFT, the trick is they give you a bad exchange rate. Most of the way banks make money on international transfers is the exchange rate, not the fees, the fees are small comparatively. So when comparing you need to compare how much THB you get at the end for a given amount of money in.
Usually with SWIFT transfers even if "free" on your end, the Thai bank will take 0.25% min 200 max 500 receiving fee, so you would have to add this at least.
Wise will give you about the most competitive rate but will also guarantee an exact amount into your Thai account. If you say 65,000 in Wise, that is what shows up in the account, exactly. No 200-500 fee. They charge fees but these fees are best compared to the bank's exchange rate spread, and they are usually lower.
Some banks can be competitive with SWIFT transfers. It depends on the currency too, for example Thai banks give good rates for USD and some regional currencies like MYR so they can be competitive in those currencies. Usually though Wise is cheaper.
Neil ********
@Jim ******
YOU PAY IT!Bob **********
@Jim ******
your Thai bank will charge a fee up to 500 bahtReply to
Bob **********
Reply
Marty *********
Why are you trying to transfer exactly 65,000฿? The 65k is a minimum. You can transfer more than 65k to meet the monthly requirement.
Jim *******
ORIGINAL POSTERYes, that is it. Over 12 months transfers, it amounts to some significant money, only that extra could make you live and eat in Thai half a month.
Bob **********
@Jim ******
then just bring the 800k and park it in your bank why do you think you shouldn’t pay fees to transfer money are you special ??Neil ********
@Bob *********
I think he is lost or entitled!Ste****
@Neil *******
maybe one of the chosen people 😂Reply to
Ste****
Reply
Ossie *********
With wise you can say you need 65k to hit your bank the transfer fee is added on
Jim *******
ORIGINAL POSTERThen you see, you are paying for that. 12 months like that.
Ivan ************
@J**
it's very low. Well under 1%. For USD to send 65,000 THB Wise charge 0.68%, or $13.79. That's $165/year, or 5,300 THB. I think you need to see that as a "cost of doing business".Marianne ********
@Jim ******
Yes, that would be correct. And there is no way around that regardless of what method you use There will be a fee on all methods, every month.
Jim *******
ORIGINAL POSTER@Marianne *******
I would give you a kiss for your post. The only way to fcuk a bank is not to have anything to do with them.
I bought my properties in Sydney, Bangkok, Japan, cash, no bank.
Now, I have to deal with the banks in Thai, minor money but still.
Reply to
Jim *******
Reply
Ossie *********
Wise transfer fees are very reasonable 40 ,000 baht is about £6
Jim *******
ORIGINAL POSTER@Ossie ********
Who makes the 65,000 exactly 65,000 THB? You.Greg ******
@Jim ******
it appears you’ve answered your own question.Reply to
Greg ******
Reply
William ***********
They usually add the transfer fee on top of the cost. I did once do a transfer of 65,000 and it ended up being 65,000.25 baht. So now I add extra to the 65k just in case the transaction takes off .25 or something wonky.
Jim *******
ORIGINAL POSTERYes, something (more money) has to make the 65,000 THB exactly that.
Bob **********
@Jim ******
you can bring all you want as long as it’s 65k or more WISE shows you exactly what you get and what it costs you’ll need 12 consecutive months to use this for a non-o yearly extensionReply to
Bob **********
Reply
Jeremy ********
Send ฿90k a month then
Jim *******
ORIGINAL POSTERWhatever I send, from Japan, no fee, there are funds in my bank enough to zero any transfer fees.
Using my Japan bank ATM, there is a fee 250THB and I get that refunded.
Using my Japan bank ATM, there is a fee 250THB and I get that refunded.
Ivan ************
@J**
you need to check the exchange rate being used for the JPY-THB conversion. It could be good or could be bad that's where they are making their money.Jim *******
ORIGINAL POSTER@Ivan ***********
And whre does Vise make their money? They are not a bank. No way they could be eating banks lunch.Shaughn ***********
@Jim ******
wise make their money through high volumes of transfers at lower markup rather than low volumes at higher markups.Reply to
Shaughn ***********
Reply
Wayne ***********
I transfer from my UK bank to Thai bank via Wise. This month fee was £11.2 = 475 bhat. Just checked what
*****
bhat cost would be = £4.86 (206 bhat). Suggest you look to set up wise account for international transfers will work out cheaper than what you costs seem to beKeith *******
@Wayne **********
use wise!Jim *******
ORIGINAL POSTERThat is near to 500 THB per 65,000THB transfers. Someone has to pay that.
Ling *****
@Jim ******
i am retired and I send 65k baht per month directly to my Thai bank account via Wise from Australia. I always put 65k as the transfer then they make the conversion including the fee. It always works out just slightly better the the exchange rate at a booth for cash. The fee is around $20 aud and that is about 420 baht. Comparing that to using a bank transfer i come out well in front, no one beats Wise after fees.Wayne ********
@Jim ******
it’s very simple you send ฿65,000 plus the cost of the transfer fee. What’s so difficult to understand. If the transfer fee is bothering you that much just scraped together your 800,000 and make one transfer and then be done with it.Bob **********
@Jim ******
you pay it it’s your money your transferringJim *******
ORIGINAL POSTER@Bob *********
You pay for the transfer, not mickey mouse Vise or whatever it is called.Reply to
Jim *******
Reply
Damo ***********
@Jim ******
was that a joke reply? Want another farang to pay the fee for you? 🤦Paul *********
Who pays the fee ? Sorry I don't know any money exchangers or financial transfer services who pay the mid market rate inclusive of fees and are set up to make a loss as opposed to profit
Reply to
Paul *********
Reply
Jim ********
@Jim ******
yes youReply to
Jim ********
Reply
Marianne ********
Overshoot the amount to make sure all fees get paid and you still have above 65k on the other end of it.
Or, use something like Wise. If you use Wise you might need to contact the bank Wise deals with to prove that your transfers are international.
Or, use something like Wise. If you use Wise you might need to contact the bank Wise deals with to prove that your transfers are international.
Wayne ********
@Marianne *******
I believe that Wise now has an option when it asks you why are you sending this money? There is an option at the very bottom for applying for long-term visa or retirement or something like that but if you select that option, they show it as a foreign transfer.Frank **********
@Wayne *******
doesn't always show as a foreign transfer. I use wise and always us "Funds for long term stay in Thailand". Bangkok Bank does not show as foreign transfer because the funds are routed through Kasikorn Bank. So I opened an account with then about two months ago and does not show as a foreign transfer with them either.Marianne ********
@Wayne *******
Yes, but this is not fool proof. Read the part about International Transfers a bit down on this page.*************************************************************
*****
35/guide-to-thb-transfersReply to
Marianne ********
Reply
John **********
You need to show the 65k baht minimum in your thai bank account net of any fees you might incur. It's pretty unwise to try and cut it so fine anyway
Ian ********
Wize charges me 44.5 baht to transfer in THB to any Thai bank account.
Marianne ********
@Ian *******
it also has a minimal charge when converting your currency to THB.Reply to
Marianne ********
Reply
Is Wise the best option for transferring money to Thailand, considering its fees and exchange rates?
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