You are looking at the wrong ANZ section re charges.. 3% is charged in the in stance you are overseas from your home country and use your credi card to make a withdrawal on y our home account, (plus tlhe receiving bank charge, usually 500 baht in Thailand( Thats the normal fee most banks worldwide charge Im told.
To make an Intermnational Money TRANSFER (as distinct from on overseas TRANSACTION) the ANZ bank charge is FREE if sending less than A$10,000, or $32 for other amounts . It is always best, Ive found to send in Australian dollars, as banks in Oz have low exchange rates.. OK your fee is $32... plius 500 baht in Thailand bank charge.
.png.3b3332cc2256ad0edbc2fe9404feeef0.png.8488ab72b8bb2e508209bfe3211b6e08.png)
