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Wise transfers now taking 8 - 9 hours

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Just now, Bredbury Blue said:

I have Nationwide. What did you find out with regards Nationwide SWIFT transfers to Thailand?

I sent GBP100 from Nationwide to Bkk Bank. Took one day, arrived as an International Transfer, but Bkk took 12 quid, = 12%, (Bht 500) their maximum. But that would still be Bht 500 if I sent GBP 1 M.

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  • wil iam not
    wil iam not

    Maybe getting ready for WISE to become a Thai bank.

  • TorquayFan
    TorquayFan

    Yes I use Wise for bringing my pension from the UK every month. Still a very good service IMO - months ago I recall the money arriving regularly in my Thai BKK Bank branch in seconds, almost unbelieva

  • novacova
    novacova

    Just did a transfer of ~32000฿ yesterday morning via the app, it was completed and deposited with a kbank notification before the wise app said it was being processed.

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14 minutes ago, wil iam not said:

I sent GBP100 from Nationwide to Bkk Bank. Took one day, arrived as an International Transfer, but Bkk took 12 quid, = 12%, (Bht 500) their maximum. But that would still be Bht 500 if I sent GBP 1 M.

Thanks, good to know.

29 minutes ago, Bredbury Blue said:

Thanks, good to know.

Here's a cost comparison for sending GBP 5,000 to Bangkok Bank (THB) via SWIFT, using the current mid-market rate of 1 GBP ≈ 43.10 THB and the fee/rate data from Wise's comparisons:wise+2

Key numbers

Item

Nationwide

Barclays (online)

SWIFT/international fee

£15–£20 (other international payments) transfergo

£0 online (about £25 in-branch) wise+1

FX markup (typical)

About 2.18% margin vs mid-market topmoneycompare

About 3–4% embedded in rate wise+1

FX rate used (approx)

~43.10 × (1 − 0.0218) ≈ 42.16 THB/GBP

~43.10 × (1 − 0.035) ≈ 41.70 THB/GBP (using 3.5% as typical)


Estimated THB received (before recipient/bank fees)

Nationwide:

  • Fee: ~£17.50 (midpoint of £15–£20)

  • Amount converted: £5,000 − £17.50 = £4,982.50

  • Rate: ~42.16 THB/GBP

  • THB received:

On 5/23/2026 at 8:48 AM, wil iam not said:

I have been led to believe, and proved it myself, that if you tick Long Stay in Thailand, or to buy Property, then it will take up to the next WORKING day for it to appear in Bangkok Bank account. There is now a further box to tick asking whether I wanted paper evidence of the transfer's journey, very simple in my case WISE-BKK, arriving as an International Transfer, FTT, good for Immigration.

I just hope the new regulations do not prevent this, or I shall have to transfer via SWIFT from Barclays as they charge Zero for the transfer, BKK take 200-500 Bht.

Next month I shall transfer 50% via WISE and 50% via SWIFT to see which is better.

I don't know why my experience is different. A couple of years ago, if I requested the transfer before 0900 it arrived in my BKK Bank account soon after 1400. If I requested it after 0900, it arrived the next day soon after 1400, shown as an International Transfer. This week I requested the transfer on Sunday, 24 May, about 0900. The money arrived in my BKK Bank account at 1800 on Thursday, 28 May. It was shown as an International Transfer. Before it arrived, the Wise home page told me my money would reach them on Saturday, 30 May, at 0400. That meant it would not reach my bank account until Monday. For the last couple of years it's been taking 4-5 days. A wire transfer from my Credit Union has a fee about the same as what Wise charges (maybe a dollar or two more) and arrives the next morning, but I have to call them and it takes about 15 minutes. I'm going to open a new account with Kasikorn and see how it goes.

Edited by Acharn

1 hour ago, Acharn said:

I don't know why my experience is different. A couple of years ago, if I requested the transfer before 0900 it arrived in my BKK Bank account soon after 1400. If I requested it after 0900, it arrived the next day soon after 1400, shown as an International Transfer. This week I requested the transfer on Sunday, 24 May, about 0900. The money arrived in my BKK Bank account at 1800 on Thursday, 28 May. It was shown as an International Transfer. Before it arrived, the Wise home page told me my money would reach them on Saturday, 30 May, at 0400. That meant it would not reach my bank account until Monday. For the last couple of years it's been taking 4-5 days. A wire transfer from my Credit Union has a fee about the same as what Wise charges (maybe a dollar or two more) and arrives the next morning, but I have to call them and it takes about 15 minutes. I'm going to open a new account with Kasikorn and see how it goes.

From what you say, it looks like the transfer from your US bank to WISE is holding things up, as was Monday's Bank Holiday. Nothing to do with the Thai Bank who, yes, take one extra day to look at the reason for the transfer.

Have used them since before it was Wise and deposit times have varied from 5 days to 5 seconds with no real rhyme or reason as to why. Didn't really care but it is weird. Sometimes it would be withdrawn from my account that day or next and it would still take a few days to receive here.

What I like about Wise is that you know what exchange rate is before you send and less than 1% fee. For over 2000 USD a wire transfer is cheaper for me.

On 5/27/2026 at 12:22 PM, wil iam not said:

I sent GBP100 from Nationwide to Bkk Bank. Took one day, arrived as an International Transfer, but Bkk took 12 quid, = 12%, (Bht 500) their maximum. But that would still be Bht 500 if I sent GBP 1 M.

I have just transferred Bht 8000 from Revolut to a Bkk Bank account. Took TEN seconds to be there AS AN INTERNATIONAL TRANSFER. Cost was Bht 39 !!!

That's it with Wise for me.

Just done my Monthly transfer, for which I have used WISE for quite few years.With all this confusion about WISE I sent from my REVOLUT THB Account. Arrived in seconds marked as FTT = International Transfer at a cost of Bht 39.75 ! Bye bye WISE.

16 minutes ago, wil iam not said:

Just done my Monthly transfer, for which I have used WISE for quite few years.With all this confusion about WISE I sent from my REVOLUT THB Account. Arrived in seconds marked as FTT = International Transfer at a cost of Bht 39.75 ! Bye bye WISE.

Yes, but not everyone has a UK address in which to apply for Revolut account.

With all this so called confusion you state with Wise, my transfers are still taking seconds to arrive in Thailand and have been for several years.

55 minutes ago, anchadian said:

Yes, but not everyone has a UK address in which to apply for Revolut account.

With all this so called confusion you state with Wise, my transfers are still taking seconds to arrive in Thailand and have been for several years.

In my experience of using Wise to send monthly transfers acceptable by Immigration for Retirement Extension, it would only show as an International Transfer if you selected Property Purchase or Long Term Stay, and that always took until 14.05 on the next working day.

It is only WISE accounts registered to a Thai address which will incur the automatic conversion to THB, or that's how I understand it. Correct me if I am wrong, thanks.

55 minutes ago, anchadian said:


Edited by wil iam not
Oops, duplicate

On 5/24/2026 at 2:29 PM, wil iam not said:

Yes, THB 35k WISE to SCB just took 1 minute to arrive. Cost was Bht 76.20

WISE to BKK BANK for Long Term Stay will arrive at 14.05 tomorrow. Cost was Bht 69.50

I never understand given all the BKK Bank whinging on AN why anyone would have an account there.

As above SCB is much better.

My monthly WISE transfer from my UK bank to Bangkok Bank, designated as "Funds for long term stay", took a whole 8 seconds to arrive in my account this morning.

Previously I would initiate my transfer before 9:30am and it would arrive in my Bangkok Bank account at 2:00pm the same day. That in itself was no problem whatsoever but it now appears that they have speeded up the process.

4 minutes ago, Farmerslife said:

My monthly WISE transfer from my UK bank to Bangkok Bank, designated as "Funds for long term stay", took a whole 8 seconds to arrive in my account this morning.

Previously I would initiate my transfer before 9:30am and it would arrive in my Bangkok Bank account at 2:00pm the same day. That in itself was no problem whatsoever but it now appears that they have speeded up the process.

Was it FTT coded....International Transfer?

I have just done Bht3000 WISE THB to BKK Bank, giving Long Stay as the reason. It will arrive at 13.13pm on Monday exactly as all my previous transfer have.

Edited by wil iam not

44 minutes ago, VocalNeal said:

I never understand given all the BKK Bank whinging on AN why anyone would have an account there.

As above SCB is much better.

Opened mine in 2002 with no problems ever.........once an ATM machine took my card, that's all. Not the bank's fault.

From my American bank to WISE, its been 5-7 days for several months.
Last Friday it said I'd have the money by the 5th, on Sunday I checked again, same thing. Went ahead and clicked OK, instead of 5 days it transferred to WISE in seconds.
That was a first.

I can tell you from WISE to KBank is always seconds, no matter what reason I put.
Bankok bank on the other, hand is a joke

3 hours ago, wil iam not said:

Just done my Monthly transfer, for which I have used WISE for quite few years.With all this confusion about WISE I sent from my REVOLUT THB Account. Arrived in seconds marked as FTT = International Transfer at a cost of Bht 39.75 ! Bye bye WISE.

What was the cost when you transferred from £ to your Revolut THB account?

Transferred 200k a week ago and it took 3 seconds via Wise

Edited by scubascuba3

6 minutes ago, scubascuba3 said:

What was the cost when you transferred from £ to your Revolut THB account?

Transferred 200k a week ago and it took 3 seconds via Wise

Exchanged GBP 620 to get THB 27000, which was 43.55 on 16th May. NO FEES.

Did your 'instant transfer' show as International?

10 minutes ago, wil iam not said:

Exchanged GBP 620 to get THB 27000, which was 43.55 on 16th May. NO FEES.

Did your 'instant transfer' show as International?

If no fees usually they take it out of the exchange rate.

I didn't need it to show as International, I'm not sure that is possible for all the banks

On 6/5/2026 at 8:40 AM, wil iam not said:

Just done my Monthly transfer, for which I have used WISE for quite few years.With all this confusion about WISE I sent from my REVOLUT THB Account. Arrived in seconds marked as FTT = International Transfer at a cost of Bht 39.75 ! Bye bye WISE.

So your opinion is REVOLUT is the best option from the UK to a Thai bank, not SWIFT or WISE. Correct?

8 minutes ago, Bredbury Blue said:

So your opinion is REVOLUT is the best option from the UK to a Thai bank, not SWIFT or WISE. Correct?

Taking my last few transfers into account, I say YES, quicker and about same fees taking exchange rates into account. Still arriving as an International Transfer at Bangkok Bank.

1 minute ago, wil iam not said:

Taking my last few transfers into account, I say YES, quicker and about same fees taking exchange rates into account. Still arriving as an International Transfer at Bangkok Bank.

Cheers!

On 5/27/2026 at 12:22 PM, wil iam not said:

I sent GBP100 from Nationwide to Bkk Bank. Took one day, arrived as an International Transfer, but Bkk took 12 quid, = 12%, (Bht 500) their maximum. But that would still be Bht 500 if I sent GBP 1 M.

For £100 BKK should have only took 200฿ that's they minimum amount.

Just now, dayo202 said:

For £100 BKK should have only took 200฿ that's they minimum amount.

That's what I thought, but cannot be 4r5ed going into the bank for Bht 300.

I wonder if there was another intermediary bank taking their little cut. Who knows.

Anyway, for me, Revolut seems to be the most econmical and fast way to transfer.

Edited by wil iam not

8 minutes ago, wil iam not said:

That's what I thought, but cannot be 4r5ed going into the bank for Bht 300.

I wonder if there was another intermediary bank taking their little cut. Who knows.

Anyway, for me, Revolut seems to be the most econmical and fast way to transfer.

Paste and copied from BBL.

Fee for receiving funds from overseas: 0.25% of the transfer amount

(Baht 200 Min., Baht 500 Max.)

Edited by dayo202

6 minutes ago, dayo202 said:

Paste and copied from BBL.

Fee for receiving funds from overseas: 0.25% of the transfer amount

(Baht 200 Min., Baht 500 Max.)

Yes, I know that. Is why I posted what I did.

It does not apply to WISE/Revolut transfers, only SWIFT.

3 minutes ago, wil iam not said:

Yes, I know that. Is why I posted what I did.

It does not apply to WISE/Revolut transfers, only SWIFT.

Revolut do only use the Swift system, totally different set-up from Wise.

Every time I used Revolut in the past into BBL the transfer came up Swift with a 200฿ BBL fee on a transfer amount of 10,000฿

Edited by dayo202

6 minutes ago, dayo202 said:

Revolut do only use the Swift system, totally different set-up from Wise.

Every time I used Revolut in the past into BBL the transfer came up Swift with a 200฿ BBL fee on a transfer amount of 10,000฿

I question whether Revolut is using SWIFT, as they do not charge me any fee, like Nationwide is GBP20, and it is almost immediate with nothing taken by BkkBank.

I question whether Revolut is using SWIFT.

1 minute ago, wil iam not said:
3 minutes ago, wil iam not said:

I question whether Revolut is using SWIFT, as they do not charge me any fee.

Revolut swift fees are built into they money exchanged rates.

Paste and copied from Revolut:-

Revolut predominantly uses the SWIFT (Society for Worldwide Interbank Financial Telecommunication) network to send money overseas to bank accounts in over 160 countries. R Revolut +2

Edited by dayo202

14 minutes ago, dayo202 said:

I question whether Revolut is using SWIFT.

Revolut swift fees are built into they money exchanged rates.

Paste and copied from Revolut:-

Revolut predominantly uses the SWIFT (Society for Worldwide Interbank Financial Telecommunication) network to send money overseas to bank accounts in over 160 countries. R Revolut +2

Thanks, I am one of those who doesn't readthe small print..slap wrist!

However these are calculated, it's how much arrives in your THai bank which matters. A couple of hunderd Baht here and there can be ignored.

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