You can't avoid swift. What you can do is minimise your cost. Use a service like wise to send money to your Thai bank account

@Jeffrey ******

so they missed that over 20kusd need to be declared...

@Florence ***********

in Hua Hin is like. I haven't moved. Ok here is your new date...

Learn to live on a dime in the US and save as much as possible in an index fund.

Learn to travel cheap.

You are going to need 300 times your monthly budget. Geo arbitrage gives you advantages. A starting point can be numbeo.com .

Learn to live like a local. Remember that most Thai live on less than 400 THB a day.

Even in a relatively expensive place like Hua Hin you can find rooms for 3.000 THB as a foreigner. Breakfast 20 THB, lunch 30 THB .

@Kim ********

unfortunately not Palma is 6 in Thailand. So there isn't that much money left.

@Kim ********

with a gdp per capita of 240.000 THB, and a Gini of 36 that 89k per month is totally impossible ....

@Phil *****

I am really fascinated that there are so many people that actually pay an agent ....

@Phil *****

absolutely. I have never been even close to that cost to open an account anywhere in the world. Especially not in a country that has a median income of 400 THB a day...

@Phil *****

one reason is that the agent cost is pretty ridiculous...