Understood. What I meant is that intermediary bank charges with Lloyds are not a new thing in general. While they may have only appeared on your last three transfers to Bangkok Bank, I was already experiencing intermediary bank charges with Lloyds more than 10 years ago. There were even times when I was charged as much as $40 by an intermediary bank. Over the years, those charges seemed to decrease, and in some cases they disappeared altogether. It appears to depend on which correspondent banking relationships are being used, and those relationships can change over time. Right now there seems to be an intermediary bank involved when transferring to Bangkok Bank, but that could change again in the future. Likewise, if Lloyds were sending money to a different bank in Thailand, there might not be an intermediary bank charge at all. It is difficult to say because these arrangements are constantly changing. The main point of my first post on the subject was that Lloyds themselves do not charge a fee for outgoing wire transfers. If an intermediary bank is required, which is outside Lloyds’ control, that bank may deduct its own fee along the way. That is also why I gave examples of ways to transfer money from Lloyds without any fees in my previous reply to you. It depends on the currency being sent and the destination bank, not on Lloyds’ wire transfer fee policy.
