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  • But we all have to do it. The scale of it is huge. You can bet your bottom dollar a huge amount of that was expats funding their Thai bank accounts, and of course sending money to Thai partners. We all know banks are a scam, but hiding your money under a mattress isn't exactly a safe bet these days, not that it has ever been. So because they have you by the short and curlys, they are free to slap on big fees when you want to transfer money.

    In short, it sucks.

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    You are charged to withdraw your own money! Okay, so you are abroad, you expect to pay a small fee, but not for them to make a big profit out of it.

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    And we're nowhere near done with fees yet. Receiving Fee After the transfer fee, you get hit on the other end by the receiving bank for another amount of about the same. Bangkok Bank, for example, charge Baht. So you've already paid twice to transfer your own money.

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    Currency Conversion Charge But here's the nasty one. Most people presume you get the regular transfer rate. You know, the one you see on XE. But then you do the math and realise that you've been shortchanged, massively! You can offset the loss slightly by choosing to send money in your home currency. But many people sending money to Thailand make the mistake of converting to Thai Baht at their source bank instead of at the Thai end.

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    Transfer Times So, you've had your pockets skimmed on all fronts. You paid two transfer fees, and a currency conversion charge. But even after they've dipped their finger in your honeypot multiple times, the banks still can't promise the money will be there within 48 hours.

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