Pib, Lexilis (& others),
As I've been monitoring this thread for some time now -- and had back-and-forth discussions with Bangkok Bank New York Branch (BBNY) a few years ago when they were directed to stop accepting USA domestic ACH transfers to BBNY for further routing to our Bangkok Bank accounts here in the Kingdom (because of the non-IAT format issue) -- curiosity finally won out.
This week, I initialized a test transfer from my Wise "Borderless" (...or whatever they call it this week) USD account to my Bangkok Bank account here in the Kingdom via BBNY.
The Result: A successful International Transfer with associated FTT passbook coding.
Some items of interest to consider with Wise. When setting up a new Wise recipient, I set up the recipient as: (1) a USD Account (recipient); (2) for the recipient's 'Account Holder Name', I used my name exactly as it is shown on my Bangkok Bank passbook; (3) for the 'Recipient Type', I selected "Private"; (4) for the 'ACH Routing number', I used 026008691; (5) for the 'Account Number', I used my Bangkok Bank account number; (6) for 'Account Type', I designated it as a savings account; and (7) for the recipient's address, I used my current Thailand address (which matches the address Bangkok Bank has on record for my account).
(All Thailand Time): I initiated the Wise transfer at 13:46 PM on Tuesday, November 16th, and received the SMS from Bangkok Bank at 09:12 AM this morning, Thursday, November 18th alerting me of an international deposit of funds from abroad into my account.
My test transfer was for $19.49 USD (Wise takes a 0.51 fee out for ACH transfers, in this instance from my $20 test transfer). So, Wise sent $19.49 to BBNY (no fee was sliced off there because my transfer was under $50 USD). BBNY relayed $19.49 to my in-Thailand Bangkok Bank account, where Bangkok Bank's TT Buying Rate this morning at 08:30 AM of 32.48 was used. 32.48 times 19.49 equals 633.04. Now time to apply the in-Thailand receiving fee....0.25% times 633.0352 equals Bt1.58, which is below the Bt200 minimum fee, therefore, Bt200 was subtracted from the 633.04 -- which resulted in Bt433.04 posted to my account as an international transfer.
When an 'International Transfer' designation is desired/required, we now have another transfer tool for use. Nice.
SIT