Polo Well, you would need to look at the exchange rates of your bank then. I cannot tell you without knowing the exact conditions. For example the Dutch ABN AMRO bank only takes 9 Euros of fees to convert and send 20,000 Euros to a Thai account. But their exchange rate right now is 38.5324, while the exchange rate at Wise is 38.9131 -- so when you send 20,000 Euros like in my example, then with Wise you will receive around 773,808 THB, but with ABN AMRO you would only receive 770,300 THB, even if you factor in the lower fees. But it might be different with your French bank, so make sure you check their exchange rates.