Each IO is different and make their own rules.Been doing this on Udon for 10 years.

Guess you didn't read the entire post. Continue. I don't transfer monthly.

@David *********

Can you understand what you read. Reread my post again.

I stated, if you read correctly, which I am not sure you did, that when you use a non Thai issued ATM to with draw funds, you are hit with a 5% fee . This is in addition to the 220 baht. Was implemented by the banks here in November 2023. Pay attention.

@Todd ********

I'll make sure to attend your next class in economics if you let me know when it is.

@Todd ********

You conveniently forgot to mention the 5% that banks hit you for when you withdraw using a non Thai ATM. Guess it slipped your mind.

@Todd ********

It's obviously not yours.

@Todd ********

Never paid an agent for anything. Did on my own. I don't transfer money monthly. Having sitting in an account is not an issue for me. At least I never have to be concerned about any potential problems in staying here. Getting $ 750 interest on the money in the states barely covers the cost of an agent. I pay $ 25. To transfer money, regardless of the amount. Use Thai ATM card and no 220 baht fee when withdraw. That might be classified as Smart. Certainly paying 220 for every withdrawal wouldn't.

@Todd ********

Ah, so you like paying additional fees to withdraw your money. Makes sense. Smart

@Todd ********

Wheë does Wise send your money when you use them. Maybe your bank account here. You think.