Okay I have the next dumb question. My buddy is trying to transfer money from Bank of America to Bank of Thailand. He's doing a wire transfer and he's not using wise so let wise go. When we went to do the transfer it asked did we want to use Thai baht, US dollars or euros. We did an experimental run of a thousand US dollars. We chose Thai baht and it gave us an exchange rate of 31.61. not a great exchange rate. Now the question is should we have picked US dollars and then let Bank of Bangkok convert it. Please let us know what you guys think would be the best choice in this quest to bring money to Thailand.

On the TransferWise topic that was closed. TransferWise now supports sending US dollars to USD denominated accounts in countries outside the US, including Thailand. The cost for this is quite low- $3.20, which is probably less than your bank charges. You could use this to send to a USD FCD account in Thailand. It goes through the SWIFT network so should appear as a regular international transfer whichever bank you use. I haven't tried it, but I suspect it MAY also work sending to a THB denominated account, in which case your Thai bank would automatically do the conversion on arrival, this is what happens with regular USD SWIFT transfers to a THB account.