I have an account with Chase and for a SWIFT transfer of $5,000 to an Indian bank the difference was $450. They sent INR. They said there was no fee. But their conversion rate was lower than market.
I just opened a savings account with Bangkok Bank in Pattaya with my DTV. I have an ATM card, NetBanking, an app to make cashless payments. And I’ve transferred money to it from my US and Indian bank accounts. I went through Siam Legal in Bangkok.