If you wire Thai baht to Thailand from outside Thailand, the funds first go to the Bank of Thailand and then to Siam Commercial Bank. They deduct 1000 baht and then reroute the money to the final destination bank who helps themselves to a further 795 baht in Bangkok Bank's case. This is excluding the wire fee from the originating bank. If you wire USD to Thailand, it always goes via JPM in NY who takes $50 US to reroute funds to your Thai Bank, who again charge money to receive the funds plus make money converting the USD to THB. What a racket.