Banks are not transparent : they reveal a transfer fee but they also take money from the exchange rate.
With a bank our client paid 6436.08 plus fee 15, plus Thai bank fee about 17 and transfer in 3 days
With TransferWise it would have been only 6276.68 fee included, no Thai bank fee, transfer in 24 hours
PayPal takes even more, see on a real example : https://aleyagarden-hoya-list.blogspot.com/2019/11/using-paypal-our-client-today-had-to.html
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