IDD. Uses a swift number. I was just surprised to see the change from last month to this month. I have had no issues with BBK but miss detailed statements such as US banks send. I am waiting reply from SSA. I use two accounts. One in the US for pension deposits and BBK for SSA deposits. After really going through a lot of this, I cannot see where Citibank is involved at all. It may be a very poor application of exchange rates. The baht rate has increased and my deposit decreased. Surprises do not please me unless it's dessert. Hopefully I get some information this week. Your explanations of the systems are invaluable. I learned a lot and really appreciate it.