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Ivan ***********
This is a summary of
Ivan ***********
's contributions to the platform. They have posed 13 questions and added 2158 comments.

QUESTIONS

COMMENTS

Ivan ************
@Roy ********
you can use baht but you pay more if you do, the visa fee is officially in USD and it's cheapest if you pay in USD.
Ivan ************
@Luit ****************
it's that you can type it right and it then changes it to wrong if it misreads your passport. It's not a great design, it should take the passport image first and then ask you to check the data. Not have you enter the data and then overwrite it. I can understand people missing this and this is not the first case, others have been caught like this as well, they entered data right but the system overwrote it wrong.
Ivan ************
@Nick **
it's there, check again. AFAIK it's an obligatory field and should be there on any passport. Second row, position 22-27. Possibly you had entered it right but then it misread from the MRV.
Ivan ************
@Jim *******
if you meet the criteria for being resident in Australia, but this means you need a permanent home or habitual abode in Australia.
Ivan ************
@J**
you realise that says that pensions are taxable in Thailand if the person is resident in Thailand (i.e. over 180 days per year). That state refers to the state of residence, read it carefully.
Ivan ************
@Pe***
most if not all Thai banks list their exchange rate online. If you are transferring in USD (most likely) it will be the Thai bank converting it. I linked Bangkok Bank above. Their rates for USD are good, but 33.
*****
.61 is still a spread of just under 1%. They usually skew to the buy rate. The current Wise rate of 33.53 is 0.66% better.

This is not a big difference or a terrible rate from Bangkok Bank but if you were transferring $25,000 (for a retirement extension, for example), 0.66% of that is $165. Not saying that's an unfair rate, it's competitive with Wise, but it's a lot more than $25. Thai Thai bank will also charge 500B to receive the money.

If you are transferring in THB, you'd look at the exchange rates for your home bank. This is much less common though and rates are usually much worse, the Thai bank rates are competitive with Wise for larger sums.
Ivan ************
@Nga *************
you can look up the banks foreign exchange online to try to calculate it. I suspect probably sending USD, most don't seem to have a TT buying rate for VND and the spread on VND notes is large. Good moneychangers like SuperRich or Sakol here in Chiang Mai do have good rates for VND cash so not necessary to change that before coming physically, although need to change at a good money changer not a bank. But transfer the USD rates are likely a lot better than VND. Banks have a spread on USD but it's lower. They also charge a fee 0.25% min 200 max 500B for receipt of international transfers. Wise transfers don't get this fee, you get the full amount.

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Ivan ************
@Peter ******
it's not the interbank exchange rate, it's marked up. The are different buying and selling rates and the spread is where there bank makes their money. That's where Wise saves you money, it is actually the mid market rate and they split out their fees explicitly. If you are sending a larger amount in USD (more than a few thousand) though Thai banks can be competitive. You may also be able to get free wires rather than $25 if you shop around. Much less so on the GBP exchange rate, it's a smaller currency and the Thai banks don't do as good rates on it.
Ivan ************
@Pa**
it was e-visa and they issued me the visa without my middle name despite having a copy of my passport. The form didn't have a box for middle name.
Ivan ************
@Pa**
Vietnam issued me a visa without my middle name and then I was denied boarding at the airport. I'd have preferred if they rejected it and I had to do it again.