@Ling ****

So how do you have a Thai bank account if you don't live there?

@Gary ******

Thanks. That's very helpful

@Ling ****

So you transfer AUD to your wise account with no fee and then from your wise account to your Thai bank account in Baht? Or do you have a Baht account on wise and then transfer from there to your Thai account?

@Bob *********

Wasn't talking about ATM withdrawal. With wise you can store money in any currency and use the card to pay in the local currency wherever it's acceptable. So instead of carrying coins and notes I can pay with the card at in Baht without any fees

@Brook *******

That's right. And from my comparison, wise is giving you the highest exchange rate and guarantee you that you can lock it on a higher rate if you wish. The only fees they charge are a percentage on the transfer. But even then the bottom line is what you ACTUALLY transfer in order to land the amount of Bahts in your Thai account. And for the 0B transfer they were definitely the best by far! AU$210 for the whole amount. Nothing else

@Jan ******

No problem with me. Already opened an account and it allows me to use up to 20 different currencies, which means wherever I go I just top up my debit card with the local currency and use it instead of cash! Only cost me $10 for the card. No hidden fees. Looks great so far

@Ling ****

From your own experience, was it smooth sailing and how long did it take to clear in your Thai account? Assuming you're From Australia 😊

@Marty ********

You can't compare transfer of $100 and determine that wise is no good. They guarantee a high exchange rate and that's the big point. But each to their own

@Marty ********

see my comment above

You can't compare transfer of $100 and determine that wise is no good. They guarantee a high exchange rate and that's the big point. But each to their own