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13
Here's a new one
First thing I hear of having to send documents to head office and waiting for approval before opening account. It's either on the spot or not at all. Maybe just covering so she can claim it's a head office decision so she doesn't have to take the loss of face! -
94
ATM fee now 250bt
Actually, when using a credit or debit card to obtain cash at a bank, like a Thai bank ATM or at a Thai bank counter, the Thai bank "receives" a fee (i.e., a profit) for accomplishing the transaction. It's called an interchange fee but works the opposite to the interchange fee a merchant must pay when a person buys product/service with their card. If using a Visa debit/credit card (or really any foreign issued credit/debit card) to get funds (we are now talking getting cash and not talking about buying something) at an ATM the Thai bank receives from the card issuing bank some funds for accomplishing the transaction....and the amount received depends on how/where the cash is disbursed. That is, is it disbursed at an ATM without or without an ATM fee like Bt250 now being charged by Thai banks....and was the disbursement selected by the card-holder a Dynamic Currency Conversion (DCC) or not. Mastercard and other cards have very similar rules/fees. Below is a chart snapshot from the Visa rules/fees website regarding "cash disbursement" like getting cash from an ATM or a bank counter using your Visa debit/credit card. Issuer" means the bank that issued your card (does not mean the bank disbursing the cash) and Acquirer is the bank disbursing the cash like a Thai bank disbursing you cash at a ATM or bank counter when you use your card. Now since Thai bank "do" charge an ATM fee, and sometimes a counter fee, when using a foreign card the ATM fees the Thai bank will receive is Bt250 plus 0.15% if the card holder didn't choose DCC. So, if a person withdraws Bt30,000 then the Thai bank receive 0.15% which equate to Bt45 plus their applied fee of Bt250 for a total of Bt295. And if the cash disbursement happens at a Thai bank counter they get $1.75 which is around Bt56 plus 0.33%....0.33% of a Bt30K disbursement is around Bt99 plus the Bt56 for a total of Bt155 plus any counter fee disbursement the bank may charge. See below interchange cash disbursement fee table from the Visa Rules/Fees website for the cash disbursement fee that would apply depending on the situation. AND KEEP IN MIND BELOW INTERCHANGE FEES HAVE NOTHING TO DO WITH THE FOREIGN TRANSACTION/CROSS BORDER FEES YOUR CARD-ISSUING BANK MAY (OFTEN DO) APPLY ON THIER END....THOSE ARE SEPARATE FEES CHARGED TO YOU.....BELOW ONLY DEALS WITH WHAT THE BANK THAT IS DISBURSING THE CASH RECEIVE (LIKE A THAI BANK). And once again the cash disbursement interchange fees operate opposite from that of a merchant selling you something where that merchant does incur a Visa/Mastercard fee typically of a few percent....and once again you will still have routinely have foreign transaction/cross border fees on the card-issuing bank end. -
52
What Happens if Ghislaine Maxwell Testifies Before Congress?
BLM fan, Dan O, saami, all one and the same....haha, busted -
45
Don't chase happiness
Have to laugh at the thumbs down emojis. These guys must hate life. -
13
Here's a new one
Yeah we told her that for now I have DTV but after it expires we will be switching to non-o marriage visa and that we've heard there are new requirements. She said that there are no new requirements and told me that these are all the documents she needs from us. And that these will be send to the head office for approval. We were not turned back or told that we will need non-b. -
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