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Bountyhuntr

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Posts posted by Bountyhuntr

  1. Just transfered cash from nationwide yesterday arrived this morning 51.65

    fee?[/quote

    20 pounds actually just checked got 51 84 to the pound

    Yeah better of using Western Union...save yourself £15.

    Has anybody got experience of getting credit card payments out here? Western Union only give 51 for using credit card, and for £1500 would lose 1500 baht, £30.

    I'll look into world first

  2. Rudest immigration officer I've ever had was at Poi Pet border, old guy with receding hair line!

    Yes I know this guy very nasty guy,thinks everyone is a naughty child,shouts at people. I threw my passport on the desk at him like I had watched him throw passports back at people. <deleted>.

    But you must report these people ( after you have got what you came for) make them feel some pain for your often public humiliation.

    Lol yes that's the guy, shouted at me too. Check PM for photo, has be same guy!

  3. New rules to increase the required study would be great news. Would Make it harder for the people that have no interest in studying and are just it in for visa. Awesome.

    However 4x days a week should be changed to 4 hours for 2 days per week. 2 hours per day is a bit silly.

    So because you are in a position to have a visa you think its ok that people under 50 who do not wish to be an ATM (marry) or have Thai children should not be allowed to stay ?

    Typical of the mean spirited expats who are lucky to be able to get a visa for long stay. I hope they tighten up on retirement visas like making you apply yearly from your home country including police checks etc.

    No wonder Thailand wants to get rid of long stay falangs, reading on Thaivisa shows how petty westerners who live here are. Better of with just 30 day max tourists should help clean up the sexpat scene

    Are you someone that abuses the visa for study but doesn't actually study? You're the person making hard for people that genuinely want to study, thailand doesn't need people like you.

    p.s I'm no on a retirement visa, your posts tells me the person you are.

  4. Western union for me has NO fees (I'm from UK). Though they have a lesser exchange rate. However the lesser exchange rate still beats ATM withdrawals.

    I suppose that depends what kind of ATM withdrawals you're doing.

    My ATM withdrawals carry no foreign currency fee from the banks that issue my cards. And, the Thai ATM withdrawal fees I incur are reimbursed fully by my card issuing banks. So in effect, the net overhead cost for my ATM withdrawals is ZERO, and the exchange rates are the full VISA or MC network rates with no deductions.

    If Western Union really is more economical for you compared to ATM withdrawals, perhaps it's time to consider what kind of home country bank cards you're using abroad, and what kind of fees they're charging you.

    ATM machine withdrawals are 150-180 baht standard if you use your bank card from abroad. If your bank back home refunds this money I'll be very surprised. That's why everybody use to withdraw from AEON as it use to be free withdrawals.

    Regarding fees charged from your actual bank back home, someone else from UK also confirmed what fees he pays, which are very high. Maybe western union is not good for your country/you, who knows. Most if not all banks abroad especially England will charge you heavy fees for using it abroad. For example, Natwest charge you using it abroad(that fee is capped at £5) and a % fee for converting the money when you withdraw(like 3%). It use to cost me around £18(excluding atm charge) in fees to withdraw about £480. So around 4%. I know moneygram you're going to have to pay a hell of a lot more. I can get the money in my thai bank in 1-2 days with no fees with WU, so the best alternative for sure.

    50.7 THB per £ and you claim "no fees"?? Are you missing a part of your brain?

    Simple calculation.

    Transfer £100 via WU and receive 5070 baht.

    Withdraw the equivalent of £100 from an AEON ATM with a fee free card(such as the Halifax Clarity) and receive 5288 baht minus 150 baht. 5138 baht.

    Withdraw a larger amount and the ATM rate improves, whilst the WU rate stays the same.

    Now all you need is a fee free card wink.png

    Even if you cannot obtain one from N&P or Cumberland, you can look at the Halifax Clarity.

    If for some reason, you cannot obtain a mainstream card, you can get yourself a Prepaid Mastercard, in the form of Kalixa Pay. Using this card for purchases, you get the full Mastercard rate(currently 52.88). For instance, shopping at Tesco Lotus. For ATM withdrawals, there is a flat fee of £2.25(119 baht). With this card, the trick would be to take the max out each time. In this case £300 (15864 baht) minus 150 for AEON and 119 for Kalixa. 15595 baht. Likely you would pull 15000 out, costing you £283.66 + £3 + £2.25. £288.91

    WU gets you 15210 baht for your £300.

    So you'll get better value from even a simple Prepaid Mastercard.

    I just looked and the internatonal exchange rate is 52.9, so if it's 51.4 right now then yup works out cheaper. 1-1.5 baht less per £ would not leave you £20 out of pocket compared to an ATM if you withdrew £400-£500 for example. You would still save atleast £5 on that.

    Think you have no brain let a lone missing a part of.

    p.s paypal exchange rate would be something like 50.

  5. i am actually on ED visa, and i am going to the class every time, and try to lern thai. (very difficult for me , i was not very quick in scholl also in my home country)

    but i think 4 days a week is a bit to much and of course they will increase the price of the course....

    I think if this is going to be true, i will buy a 5 years thai elite visa, and try to improve the thai with the help of my Gf and friends.

    8 hours a week is a bit much for you?

    I think you fit the criteria the crackdown is aimed at.

  6. Western union for me has NO fees (I'm from UK). Though they have a lesser exchange rate. However the lesser exchange rate still beats ATM withdrawals.

    I suppose that depends what kind of ATM withdrawals you're doing.

    My ATM withdrawals carry no foreign currency fee from the banks that issue my cards. And, the Thai ATM withdrawal fees I incur are reimbursed fully by my card issuing banks. So in effect, the net overhead cost for my ATM withdrawals is ZERO, and the exchange rates are the full VISA or MC network rates with no deductions.

    If Western Union really is more economical for you compared to ATM withdrawals, perhaps it's time to consider what kind of home country bank cards you're using abroad, and what kind of fees they're charging you.

    ATM machine withdrawals are 150-180 baht standard if you use your bank card from abroad. If your bank back home refunds this money I'll be very surprised. That's why everybody use to withdraw from AEON as it use to be free withdrawals.

    Regarding fees charged from your actual bank back home, someone else from UK also confirmed what fees he pays, which are very high. Maybe western union is not good for your country/you, who knows. Most if not all banks abroad especially England will charge you heavy fees for using it abroad. For example, Natwest charge you using it abroad(that fee is capped at £5) and a % fee for converting the money when you withdraw(like 3%). It use to cost me around £18(excluding atm charge) in fees to withdraw about £480. So around 4%. I know moneygram you're going to have to pay a hell of a lot more. I can get the money in my thai bank in 1-2 days with no fees with WU, so the best alternative for sure.

  7. Western Union is the best. They charge no fees if you send from bank to bank from overseas to here. The only 'fee' is the less exchange rate. This still beats PayPal(the worst) money gram and bank transfers

    My Banks western union action is certainly not free at a flat $9. dlrs and 1% plus exchange. Can't believe you regarding anything to do with western union no fees

    Western union for me has NO fees (I'm from UK). Though they have a lesser exchange rate. However the lesser exchange rate still beats ATM withdrawals.

    Maybe you're doing it wrong :)

  8. I transfer money frequently from Australia and UK. I have found it is very important to transfer the money in the local currency so that it gets converted to Baht in Thailand. I use Bangkok bank. Be aware some overseas banks will convert to baht before they send it even though it has been ordered in the local currency. (Australia) and it takes a great deal of pulling strings to overcome this. I discovered this when I opened an Australian dollar account at Bangkok Bank and found that the money was converted baht before it was deposited. Having the overseas currency account here in Thailand means that you can look at the exchange rate and transfer immediately when

    I agree, I transfer money from the Natwest UK now and again and I always transfer the sterling. I pay a one off fee of around £20 in the UK and the Thai banks give an extremely good exchange rate (only 1% below commercial rates) and there is no fee.

    That's to withdraw from an ATM here? That's not more than £500. They charge £5 cap for using their service and like 3% for exchange fee. You also pay £3 to withdraw from any atm here. no thanks

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