Don’t forget u have to factor in the Fees Wise charges.

@Ivan ***********

it’s possible they waived the fee for me since they told me over the phone it wasn’t a charge. But even though Schwab only charges $25 for international wires ($15 if online) and free if u have a certain minimal balances on some larger accounts.

@Ivan ***********

I just did the transaction a few weeks ago. My bank never charged me a fee since it was domestic. Not sure how the actual coding was done but I wasn’t charged a wire fee. Schwab said it was considered Domestic wire. Either way I wasn’t charged a fee.

Use Bangkok Bank. Set up a FCD account. (Foreign Currency account). Use your back to send a free domestic wire transfer to Bangkok Bank.

The amount will arrive in the same currency as your home country. No fees from your home country bank. And Bangkok Bank only charges a .25 fee to deposit foreign currency w a max of 500 Baht

Then u can park the foreign currency and exchange it when it’s at its best for u. The exchange rate is at their “TT Rates” quote which is highest rate given at the bank. They charge .25% fee to exchange it in Baht. Minimum 500 baht fee but no maximum.

I transferred $180,000 USD and that was the cheapest way for me. No fee from my USA bank as I used my domestic wire to Bangkok Bank NY. Bangkok Bank charged me 500 Baht to deposit it. And .25% to exchange it into Baht.

I did the calculations between Wise, Bangkok Bank FCD and also Xe. After calculations the FCD account was the cheapest.

Following.

@Angelique ****************

if she’s been in USA for 50 year u should get her usa citizenship. Keep the Thai passport as well and have dual citizenship.

@Jackie ********

another reason NOT to go there. Big tourist trap frequented by tons of foreigners

Skip Phuket. Head straight to Samui instead and either stay in Chawang or Lamai beach.

Per month?

@Annie ***********

And use a VPN w a Thai location when logging into their app and they will never know u r not in Thailand.