It does seem the wire transfer is cheaper. My only concern is the timing. We waited a bit long to get this going. The us banks open in a few hours.

Our 30 day extension of our visa exempt entry expires on Sept 15. From what I've read here we have to apply for the non-o by Aug 31? (Or do we have until Sept 1?) The wire transfer could take 2 to 7 business days to process. Wise would likely be within two days. The wire transfer could still be complete before that deadline, then we have to get the letter from the bank and have our passbooks updated.

If we don't make that deadline, we see this as our option: get the covid extension then get the non-o. I've also read here sometimes they won't allow that. Seems to vary. I'll bet Google (some people consider that doing your own homework, ha ha ha ha ha ha ha!) doesn't cover that. Any advice?

@Charles *******

- it's our money, I don't care about red flags. I thought that was only for cash anyway.

@Peter *******

- we are in Thailand now working on our non-o visa.

@John *******

- USA

@Frank ******

- the rate given to us at the bank yesterday was 32.84. For $ that is 0 baht. It's their TT rate. The USA bank charges $15 and the Thai bank charges 250 baht.

The wise rate given yesterday was 32.88 with the amount specified to reach the account 0 baht. Fairly sure the Thai bank will still charge 250 baht for that transfer.

I don't believe that wise can do anything about the receiving banks fees.

@Frank-Steven **********

- our accounts are with Krungrsri.

@Sammy ******

- that's one way of doing it, or we can use Thailand visa advise and everything else. Thanks for your input. 😉

@Stuart ********

- OK, thank you. How early must we apply for the visa? We are aware of transferwise (wise now). Do you know if a counter withdrawal from our American debit card can be deposited into our Thai account and will it be seen as a transfer from overseas?