John stop, re-read the original post. Your entire explanation of how it's different is irrelevant to what the poster asked. We know you have great knowledge but people really only need it when it's relevant. Otherwise feel free to mow the lawn, or some alternative distraction
44. something last time, Stuart. I'm sure any difference would add up over my remaining lifetime, but I'm enjoying my retirement too much to worry about a few baht here and there.
I understand that. It was clear in an email they sent me while I was applying from within the UK, as this poster is. I have posted that email here previously, but as I sit having a quiet coffee in my new home Bangsaray, my picture filing is crap and I can't find it again 🤣🤣🤣
I opened a current account with HSBC. You can also open a Global Account. The global account allows you to use the card and/or send money abroad with NO fees whatsoever from HSBC. It arrives in Thailand in Baht. Sadly, Bangkok Bank still deducts a fee before the money goes in, even though they do nothing but watch it all happen electronically. I will be taking this up with them.