@Todd ********
well I’m not disputing what you are saying, however, I just yesterday transferred Thai baht for a FEE of 31.7 baht cost of transaction to a friends account-as stated. If I use an ATM in Thailand I am charged 220 Baht by bank -plus- the Wise ATM fee of 528 baht ( on 30,000), thereby saving 716.3 baht. I’m talking FEES not exchange rate on transactions. Well worth finding a friend to transfer to.