Quote Originally Posted by Old git View Post
This way I get over 99% efficiency in converting GBP in my UK A/C to THB cash
That is good advice.

Also getting over 99% is a good target.

Another way is to take a wad of £50 notes, change at one of the best currency exchange shops in town and then pay it all into your Thai bank using one of the automatic paying in machines.
On my recent trip, I got 44.95 baht to the £. The XE rate was 45.35, so I got 99.1% efficiency.


The key is to know what the best level rate is and get close to that, not throw away 2% more. Once you have a good idea where the best exchange rates can be had, it takes almost no effort.

Here is a good starting point.
https://daytodaydata.net/

As I write this today, you do not get 99% efficiency from the best places on that list , but it looks like the pound has rallied after normal Thai banking hours. I guess they will be back to competitive rates swiftly.