I transfer every month (9 years) from Chase Bank in the USA here to Bangkok Bank by swift and they charge a FLAT fee of $40, no matter what the amount is. I transfer it in dollars, so that when it arrives here the bank code is FTT. Which means it was transferred from outside of Thailand. If I transfer in baht, then the bank puts a different code which means it was a domestic transfer, which is what I don't want. As then I have problem with immigration when it comes time for my retirement extension. I have always receive decent exchange rates.