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i transferred bigger sums of money to thailand using my european bank and SWIFT to bangkok bank. since i am a good customer, i just phoned the lady of the bank, and she made a copy of the former SWIFT transfer and did it for me. Cost per transfer, about 20-30 Euro.
For smaller money i use moneybookers.com. it is easy to use after the first transaction, which has to be verified. Maximum amount which can be sent from one account to another within one year : about 30000 Euro. A transfer takes about 1 week and is done in two parts: part1: transfer from european bank to moneybookers (about 3 banking days), transfer from moneybookers to thai account (about 3 banking days). Cost : 50 cent + about 90 baht per transfer + internal fee of bangkok bank (about 200 baht per transfer).
cash money:
I use the sparcard of the german postbank as well. you can use it at any visa-atm, maximum 500 euro per transaction, 2000 euro per month. 4 transactions per year are free of charge. you can refill the sparcard on internet and check the amount left. So you can cash about 24000 euro per year with one sparcard. If you need more money, you can apply for another sparcard (with 4 free transactions as well).
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