I'm solo in Thailand (well, many nights I am 😆). I transfer 70,000 each month which covers all my Thailand expenses and also pays for a return flight to Australia once a year. But I didn't move here to count the pennies - I came for a better standard of living! 👍
I love it for other reasons than continually dipping into my wallet to pay bribes! But it's each to their own! I wonder why you even asked the question! 😂
Of course it's not legit! The money you pay to the agent is also passed on to the bank manager and the immigration officer. Yes it's a bribe, no matter how much people will try to say it's not. Just get yourself onto the 65k monthly transfers. Makes a lot more sense