22 minutes ago, BeastOfBodmin said:

It reminds me of the supposed AOL "Scunthorpe" problem where people who lived in Scunthorpe had the town part of their address rejected by the registration form.

Would that also apply to Bolsover, Tittesworth, and Penistone? 555

7 minutes ago, BeastOfBodmin said:

I can't speak for Wise, but in the companies I worked for the aim was only to avoid getting open audit points from the regulator.

I agree, they are often more focused on covering themselves than doing the right thing for their customers. And all of this is now typically labeled as KYC, but in reality it is often just a more polite term for aggressively implementing AML measures. The problem is the number of false positives that get caught in the net seems to increase over time, which can end up wrongly harming innocent people.

5 minutes ago, BeastOfBodmin said:

We can all look forward to the time we have our personal digital identities linked to our personal accounts at our favourite central bank, denominated in its centrally controlled CBDC programmable money, governed by AI software scanning and adjudicating all transfers, with the algorithmic power to freeze or confiscate all your funds without due process.

It is almost starting to feel like we are practically there already.

2 minutes ago, BigLek said:

It is almost starting to feel like we are practically there already.

People should start putting their savings under their mattress again. Banks pay 1% or less, unless it is a country with high inflation, so why would anyone still put money in a bank account.

On 3/27/2026 at 11:57 AM, BigLek said:

What makes their mistake even worse is that I had already used my Wise debit card multiple times in that same city location last year. That should have made it clear from my account spending history alone what city I was referring to in the transfer reference.

Instead, they appear to have assumed that I was sending money in connection with a sanctioned country and built their entire line of questioning around that, even though I never indicated anything of the sort. They simply made that assumption based on zero facts and without checking with me first, then partially froze my account and sent me a list of questions about my financial connection to that country.

There are close to 60 places around the world with the same city name, so selecting one and treating it as a sanctions issue without doing some due diligence first is entirely ridiculous.

All they needed to do at the outset was send a simple clarification to me to confirm what I meant before sending me a list of financial questions about a country that I know nothing about. From their side, just some common sense and a little bit better homework on my spending history could have avoided their entire mistake.

Why not name the city. Nothing to hide on here.

1 hour ago, BigLek said:

My understanding is generally, no, Revolut is not as reliable as Wise for this specific purpose. I found the following info:

While Wise has a direct partnership with Thai banks to ensure transfers are coded as "International Transfer", Revolut often uses local clearing systems. This means the money may arrive in your Thai account as a local transfer, which Immigration will likely reject as proof of foreign income. The Key Differences:

Wise: Explicitly provides the "International Transfer" (FTT) status on bank passbooks because they send funds via the THB "Bahtnet" or specialized banking routes.

Revolut: Often routes payments through local Thai partners. Even if the money originated abroad, the bank statement in Thailand may show it as a domestic "Domestic Transfer" or "Transfer," which does not meet the legal requirement for a retirement visa.

Wise doesn't transfer money anywhere. They deposit funds in your account from another Thai bank. There is no international transfer as such.

7 hours ago, CallumWK said:

People should start putting their savings under their mattress again. Banks pay 1% or less, unless it is a country with high inflation, so why would anyone still put money in a bank account.

1% or less in Thailand. In the US, rates still average 4%. Also, any US$ cash balance held in a US based Revolut account earns 4%, plus your deposit is FDIC insured. Wise on the other hand, can't provide any government guarantees on your deposits.

11 hours ago, wil iam not said:

Would that also apply to Bolsover, Tittesworth, and Penistone? 555

I'm not sure about Bolsover, and it probably wouldn't apply to Low Bell End either 😀

I know someone who lives in Penistone,

11 hours ago, CallumWK said:

People should start putting their savings under their mattress again. Banks pay 1% or less, unless it is a country with high inflation, so why would anyone still put money in a bank account.

Try withdrawing it all, and see what happens.

1 hour ago, BeastOfBodmin said:

I'm not sure about Bolsover, and it probably wouldn't apply to Low Bell End either 😀

I know someone who lives in Penistone,

I guess Cockfosters and Arsenal could join the group.

1 hour ago, BeastOfBodmin said:

Try withdrawing it all, and see what happens.

Nothing at all happens, as I withdraw last year about 85% of my balance in Thai banks, and it is not small money, and invested it elsewhere.

12 hours ago, emptypockets said:

Wise: Explicitly provides the "International Transfer" (FTT) status on bank passbooks because they send funds via the THB "Bahtnet" or specialized banking routes.

WISE transfers have never arrived via Bahtnet to my Bkk Bank, always FTT.

Immigration WILL NOT accept Bahtnet transfers.

1 hour ago, CallumWK said:

Nothing at all happens, as I withdraw last year about 85% of my balance in Thai banks, and it is not small money, and invested it elsewhere.

I meant to cash. Is that what you did?

3 minutes ago, BeastOfBodmin said:

I meant to cash. Is that what you did?

Some accounts I withdrew in cash, others I made a transfer

8 hours ago, CallumWK said:

Nothing at all happens, as I withdraw last year about 85% of my balance in Thai banks, and it is not small money, and invested it elsewhere.

8 hours ago, wil iam not said:

WISE transfers have never arrived via Bahtnet to my Bkk Bank, always FTT.

Immigration WILL NOT accept Bahtnet transfers.

I never said they did. Check who you are quoting before posting please.

1 minute ago, emptypockets said:

Check who you are quoting before posting please.

You don't say. What have I to do with your post?

23 hours ago, BigLek said:

Wise: Explicitly provides the "International Transfer" (FTT) status on bank passbooks because they send funds via the THB "Bahtnet" or specialized banking routes.

Wise doesn't use Bahtnet, and never has.
XE uses Bahtnet

8 minutes ago, CallumWK said:

You don't say. What have I to do with your post?

Scroll up a few posts and see who you quotes.

8 hours ago, wil iam not said:

21 hours ago, emptypockets said:

Wise: Explicitly provides the "International Transfer" (FTT) status on bank passbooks because they send funds via the THB "Bahtnet" or specialized banking routes.

WISE transfers have never arrived via Bahtnet to my Bkk Bank, always FTT.

Immigration WILL NOT accept Bahtnet transfe

8 hours ago, wil iam not said:

, emptypockets said:

Wise: Explicitly provides the "International Transfer" (FTT) status on bank passbooks because

I never said that.

8 hours ago, wil iam not said:

8 hours ago, wil iam not said:

23 hours ago, BigLek said:

Your question misses the point. Wise flagged a single word I entered in the payment reference, which happens to match a city name in a sanctioned country. That country had nothing to do with the transaction. I am in one country, sending money to someone in another, for an apartment in a third, and the sanctioned country they mentioned is a completely unrelated fourth. Even my own Wise account address is in a different country again. It was simply a system error.

You're the one missing the point. Its NOT Wise, its the system. The system worked as intended.
Now you've learned to add a country to whatever city you entered.
They handled it in a timely fashion and you're no worse for it.

Come on girls, stop bitching.

Wise transfers to Bkk Bank show as FTT, ie International Transfers IF, you say it is for Long Term Stay, or buying a Property.

All other transfers from WISE or any other source, are Bahtnet, and if you need it for monthly Immigration transfers, NOT accepted. You must go to the bank which received the transfer, and get Credit Advice from them.

I am surprised the people from Moscow Idaho manage to do anything at all. I would have thought they would have been high on Maga's list. Hang on though the US and Putin are allies now.

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26 minutes ago, wil iam not said:

All other transfers from WISE or any other source, are Bahtnet

1 hour ago, CallumWK said:

Which AI produced this please?

As soon as it begins with YES, it is AI.

@BigLek

11 posts in this topic and you still have not named the sanctioned city. Is it a secret?

Baiting post and reply removed