To be clear that's for money sent by you to your Wise account, guys who have their Pension or any other income paid into their Wise account will have it automatically converted... Receiving payments in non-THB currencies: If you receive non-THB payments from other Wise customers or into your foreign currency account details (e.g. US routing number, UK IBAN, etc.), we'll automatically convert the amount to THB and add it to the THB balance in your Wise account. Relevant currency conversion fees will apply. For example, if you receive a 1,000 USD payment from a Wise user based in the US, we'll automatically convert the 1,000 USD to THB at prevailing mid-market exchange rates, and deduct any relevant currency conversion fees. The remaining THB will then be deposited into your Wise account THB balance. The above only applies to payments received from others/third parties. You’ll still be able to add money to any of the currencies in your Wise multi-currency account from your own foreign bank account, without any automatic conversion to THB. For example, you can still add money to your Wise account USD balance from your US bank account without any automatic conversion to THB.