I made a post yesterday about ATMs, I thought at the time I was just being informative, but it turned out to be War and Peace and a “battle of wits” between responders, that will be my last post 🇹🇭🇹🇭🇹🇭✌️✌️✌️

Has anyone worked out the cheapest way to transfer money from the UK to Thailand? Some say Wise, but that's 1% plus the ATM fee (and 1-2% Visa rate margin), or 2% bank to bank (in practise I'm charged 1.25% fee, but plus 1.5% or so on the rate). Some say Moneygram but their rate looks worse although I've not been able to register. Someone said normal bank Swift can be cheaper for large amounts. I haven't started to work that out bank by bank, but certainly in the past elsewhere Swift had been much more than Wise around the $10,000 mark and below. Bank of Bangkok also allow you to transfer by BACS to their London branch, although their rate probably has a margin added. Currently looking like Wise withdrawing as much as the ATM will allow. (Or bringing suitcases of cash for Superrich seems popular. They're margins are tiny but they charge 2.5% for cards.)

Hello, we live in Thailand and have access to baht. We want to go to Cambodia for a while. What currency is best or acceptable there?

Will they take baht?

Do ATMs there give both Riel and USD as I've heard?

Should I convert to USD here before we go?

Will any other country take or convert Riel?

Thanks

Is it better to change cash in my home country or in Thailand?