that is a one time introductory rate. The normal WU exchange rate is 36.37 but they are using a one time intro rate of 36.96. Without the intro rate, the amount received would be THB 72,740. Up to you.
but my question is how competitive is the exchange rate ? When I used WU before, the fees were low but the exchange rate was 3 to 5 % lower resulting in a substantial loss in received funds
very true. And each year it gets easier to get the application. I have never had to use an agent, but no worries if others decide to use an agent. Up to you.