As I am learning...things change. When we asked Bangkok Bank to print out a yearly summary of my deposits into my checking account, the first deposit listed, one year ago, registered as a foreign deposit. Subsequent deposits, flowing into my account showed as coming from Krasikorn Bank. Was this a result of a change of routine by Wise??? They have promoted changes that lowered fees but I don't know the details. My wife talked to both bank's officials and they were adamant that current Wise behavior means that the deposits are now inter-Thailand-bank deposits, which tallies with my understanding of how Wise innately uses an information exchange to transmit a dollar figure in the US into a Baht figure in Thailand. I would like to pursue this further but my wife INSISTS that I now transfer direct from bank of America account into my Bangkok Bank account. Increased costs and time of travel but I can't really complain since my economy attempt has led to a huge hassle