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Swedish Banks charge 3% or minimum 4.50 USD if you use your credit card card, so in the past I used to transfer 40,000 baht into my Thai account and use my local Thai ATM card for smaller amounts.
Thai banks dont charge anything if you use the Thai banks own ATM machines, otherwise there is a fee of 20 baht.
The fee of 4.50 USD is not suitable for smaller amounts.
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