I get my pay from the US government into a bank in America. I have four Thai Bank accounts.
Initially when i came here, I was set up with Bangkok Bank, a direct deposit account for SSI and other government pension.
I never used it. For three years, I used Income verification with U.S. Consulate CM documents. Easy peasy.
Now that U.S. Consulate has stopped that, I transfer money over to a Thai bank, via WISE.
I tried U.S. >> Wise >> Bangkok Bank. No help. Plus they had dropped the Visa cards, using rabbit pay. Useless for buying where I need to.
For years, I liked SCB Bank. I had a Nice debit card from them.
So I thought, U.S. Bank >> Wise >> SCB. It ended up as interior Thailand Transfer. I went to them, and tried to straighten it out.
Though I had multiple San Baht in the bank, they said it was a problem "They Could not solve."
In fact, the account guy at SCB on Nimman in CM Said, Quote, "He could not help me."
Wow. Drew out all of my baht that day (to their bemused consternation.)
Called Wise, in Finland and talked to some high powered people. Friended them up on Twitter. They directed me to their Australia Office.
Called them LD, using Skype. After lengthy verification (Which I thought was good security), they said, "You need to use Kasikorn Bank. That is our local partner there in Chiang Mai."
Walked to Kasikorn Bank, walked in with a pile of cash, my passport, and explained to the day manager what I needed... "Overseas Funds Transfer Account for Immigration annual extension of retirement Visa. Can you do that?"
He said, "Oh yes, we are perfect for that." He points to a woman that speaks English. "Set this man up with an account."
Now I transfer U.S. >> Wise >> Kasikorn Bank. Zero problems. Shown as international transfer.
Their phone app works smooth. The only problem is sometimes, I guess for security, I have to reboot my phone. Great. First world problem.
in my account, No deposit amount minimum, I am going with multiple 1000 USD inbound, monthly. I easily exceed the 65k Minimum, per month. I am happy.
Smooth Sailing. All I have to worry about is if the Baht rises to 20 per USD. Probably not.
Or if the USD Crashes. C'est la vie. I survived a deployment to the Gulf, I can hack it.