@Paul *******

for me. I found sending in USD and letting Thai bank convert to THB got me mud-market rates (mid closing the day before).

@Jesper ******

why don't you send in your home currency?

@Jesper ******

SWIFT is flat rate so (unlike Wise) larger amounts are lower cost. My monthly transfer used to average about $26 in fees from wise (small amounts like ฿70-฿100k). Large amounts like ฿800k would be excessive. It costs me flat rate of $15 to send via SWIFT regardless of amount. Always send in USD and I usually get near mid-market rate from Thai bank.

Long term stay

@Barney **************

thus is highly bank dependent and also depends on what currency you transfer in.

@Jesper ******

send in your home currency and let Thai bank convert. I seem to get mid-market rates doing it that way

@Todd ********

it's both. I seem to get mid-market rate when sending in USD. If I send in THB is horrible.

@TG ********

web site, not the app. You can call, but then the cost goes up to $25.

@Maxim **********

one of us missed the point of the post. The OP stated that he had to have visa money in the bank for several months BEFORE the bank would issue a letter. Bkk bank does freeze funds AFTER giving a letter.

@Kim *******

standard investment account. Give them a call