So happened to this great Thai woman or man, and you know she / he is destitute, and you want by helping to money at regular intervals. How do you do that?
There are two options: bank transfer and debit card. The debit card method is cheaper, but first a little more complicated.
1. Money Transfer
This method is best if you just want money once or several times not to broadcast regularly.
First they open a bank account if she is not have one already sent, andThe bank and account information. Then you can do money through your bank wire transfer (also known as "transfer" or "inter-bank transfer" or "SWIFT bank transfer, depending on which country you live in). This costs about U.S. $ 25 to $ 50, depending on the country you live, and the Bank, with whom you, so it is worthwhile unless you are sending more than $ 200. Some banks charge less than others, so it pays to shop around and ask what the fee.
2. ShouldCard
Open an account at a bank in your town that the PLUS or Cirrus symbol is displayed. That is, they want to have an international ATM ("ATM", or "bank machine"). PLUS and Cirrus are both international and do the same and charge the same rates to their customers (the banks). Some banks belong to both networks, some only one, some have not.
The account should be in your name. Get an ATM card (also known as "debit card" or"Bank Card") from the bank, some money in the account, and use the card at any ATM to verify the card is OK by the balance or even withdraw some funds.
Mail the card to your friend in Thailand by registered mail. When they input the card, the PIN confirmation mail (must show the identification number to enter, if the ATM card) by registered mail. Not the PIN with the card in the mail if the letter comes in the wrong hands.
You can then go toany ATM in Thailand, the statement shows the same symbol (plus or Cirrus), insert the card, enter PIN, and pull a lot of cash (Thai baht) to the limit of what you put in the. Your bank will automatically convert currency of Thai Baht to do in your currency. Since this is a separate account from your normal account, there is no danger that they (or someone else, when the card is stolen) you can access your money in the normal bank accounts. Even they can not withdrawmore money than what the account. Just make sure there is no overdraft on the account when you open it.
Most banks charge a fee for each withdrawal. Some banks charge as much as U.S. $ 5, but most are smaller. Shop around and find a bank that has the lowest fees for international ATM transactions. (My bank charges nothing for international ATM transactions, because I have a Gold Visa with them.) And tell your friends back Thai substantial amounts, not back to the ATMevery day to withdraw 100 baht, as the fees that make uneconomic.
So you can regularly transfer money to this account, and can access your girlfriend on the same day. If you regularly (say, on the first of each month or the first and fifteenth), and do you tell your friend that arrangement, then they will know to go to the banking machine on these days and can withdraw the money .
For some banks it is to go for the account possible negative (an overdraft)Although overdrafts are not allowed because they are the entire amount in the account, and the fee for international payments can then be applied revoked and put the account into a negative status. Some banks let you get away with this and some charge a large fine (of say U.S. $ 30). So check with your bank what their policy. If you do not like their policies, you can use one of three things:
Among banks;
an eye on the account (via the Bank Internet Banking)and transfer enough money into the account immediately to bring back to zero, some banks allow you to create a rule that automatically sweep money to be applied to keep out of your normal account to this account not the account negative;
Tell your friend not Thai, the remaining debt to withdraw, but leave xxx baht in the account at any time. This may or may not be possible, depending on whether the ATM in Thailand tells her the balance of the account. This is a function ofYour bank, not the ATM or PLUS or Cirrus. Some banks make the balance available, some do not.
I hope this has helped. I've used both methods (wire transfer and direct debit).
