hotandsticky

Keep digging Sandy???????? TT rates are used by Thai banks when they receive your Sterling. The £5 is £5 whether you pay it at the UK end or Thai end. Just to be absolutely clear are you saying that I am wrong by stating WISE is always cheaper/better value/cost-effective than HSBC for transfers to Thailand?

I know But keep trolling.

I will happily take a wager on that. Even Thai truck drivers don't usually reverse out of an "in" entrance! ????

I doubt that the truck reversed into the bike!

The latter.

I would certainly agree with that (and MAY have avoided this accident - but only one person was at fault in this case

The bike rear-ended the truck.........................was it too <deleted> small to see!

Turning left into Makro fron lane 2 of 4. How else would he get in that Makro entrance,. The bike rear ended him..........ergo, only person at fault.

Alcohol, stupidity, drugs, on the phone - perm any one from four.....

Nothing wrong with a bit of pedantry.... in fact it is not pedantry if it corrects another's mistakes.

Was that state pension?

I did similar but wasn't qualified for pensions and insurance.

Exactly what I do - I also can't yet see a reason to hold money in the Thai Baht account.

JCB Pension Fund did. They refused to pay direct to Thailand. I like the idea of contacting the ombudsman though if the matter cannot be resolved with the pension provider.

I am not sure how well you will get on trying to get the pension paid to a third party bank account. A WISE account has a UK sort code and account number.

Banking, pensions AND insurance .................................. couldn't you keep a job down? ????????

Don't worry you are not. In reality you could get away with using your old passport in Thailand (and for travel to neighbouring countries, (certainly by land crossing, as I did ) until Immigration become aware of your new passport (and as long as VfS do not cut the corner off the old passport - as they failed to do with mine).

That is incorrect. I traveled to Cambodia on mine. Once the corner gets snipped (when you collect the new passport) it is not valid.

Naaaagh....................... I am sure the hotel will have submitted TM30's

You are wrong Sandy. It doesn't matter to you that you are wrong because you are comfortable with what you do. I only point out that you are wrong because you are misleading others with your post. WISE is always better than using HSBC. On a transfer of £1,000 via HSBC £995 is sent after the £5 charge; that equates to 40,929.32 using BKB's TT rate of 41.135. Less the 200 Baht minimum @0.25% charge = 40,729.32. Same £1,000 with WISE gives a net transfer of £993.62 after their charge of £6.38. With their (always) superior exchange rate of 41.5684 yields 41,303.19. 583.87 Baht difference is not "too close to call". For me it is closer because as a former HSBC employee I don't pay the £5 charge......I am only 378 Baht better off......but my money arrives in 6 seconds normally. On larger transfers the saving is even greater:- On a transfer of £10,000 via HSBC £9,995 is sent after the £5 charge; that equates to 411,144.32 using BKB's TT rate of 41.135. Less the 500 Baht maximum @0.25% charge = 410,644.32. Same £10,000 with WISE gives a net transfer of £9.942.61 after their charge of £57.39. With their (always) superior exchange rate of 41.5684 yields 413,298.39. 2,654.07 Baht is certainly not "too close to call"

The 'cost' is less with Wise. As I have said before, I don't pay fees with HSBC but I receive more Baht every month by going HSBC to Wise to KBank. The gap has narrowed in recent times though. @sandyf ...... you may be interested in the new HSBC Global Money Debit Card ....sounds similar to the Wise card.

You are welcome.

I thought that you were struggling with IBAN numbers..

I took Amlodipine for a number of years......no issues.

https://www.ibancalculator.com/