You find? as this large Thai man or woman, and you know what? l is desperately poor, and you 'd like to help by sending money peri? dicamente. ? C? Time you do this? There are two ways: money transfer and card d? Bito. M? Everything on your d? Bito is m? S cheap, but initially a little m? S complicated.1. M? TransferThis all of the money is better when you just want to send money once or sometimes, not regularly. Having its first open a bank account, if it doesn 't have one already, and env? To the bank and sees the details. You can then transfer the money v? Your bank, making a transfer telegr? Fica (too? N called a "transfer" of wire, or "transfer" interest or "Transfer" SWIFT, depending on what? Pa? S you are? live in). This costs the E.E.U.U. a, depending on the pa? s you live in, and the bank comes to you, as? which is not generally m? rite unless you are? sending m? s 0. The banks charge less than others, as? what? l pays to shop around and ask what the fee is.2. Download CardOpen an account at a bank in your town that has the s? Symbol of M? S Cirrus or displayed. This means that is? N in an atm? Sfera International ( "machine" of the box automated too? N called "machine" of banking activities;) network. The M? S and Cirrus are international, and do the same thing, and charge the same rates to its customers (banks). Some banks belong to both networks, only a few, and some few or no to others. The account must be in your name. Get an ATM card? Sfera (too? N called a "load card" or "card" of the bank;) of the bank, put some money in the account, and use the card at any atm? Sfera to verify the card is OK by checking the balance or actually withdrawing some funds. Env? And the card to your friend in Thailand by registered mail. When she acknowledges receipt of the card, env? And PIN (n? Mere identification of? No you have to incorporate the use atm card? Sfera) by registered mail. Don 't mail the PIN with the card if they get the letter in alg? No other' by s. She can then go to any ATM? Sfera in Thailand to produce the same s? Symbol (M? S or Cirrus), insert the card features the PIN, and withdraw any amount of cash (Thai baht? S) until l? limit of what you put in the account. Your bank har? automatically a conversion? of the Thai baht currency? sa currency. Since this is a separate account from your normal account, there is no danger that it (or if anyone steals the card) can access their money in their bank accounts normal. Tambi? No, she can 't remove m? Cu s money? Est l? in the account. Cerci? Make sure that no such facility uncovered in the account balance when you open. The biggest? A load of banks? N a fee for each withdrawal. The banks charge as much as the U.S., but most? For less. Shop around and find a bank with fees m? S low for international transactions of the ATM? Sfera. (My bank charges nothing for international transactions of the ATM? Sfera because I have a visa of gold with them.) And tell your Thai friend? S withdraw substantial amounts, not to return to the atm? Sfera daily withdraw 100 baht, fees because they do that little econ? monkey. You can transfer as peri? Dicamente money in that account, and your friend can access it the same d a. If you do this on a regular basis (say, the first of each month or the first and d? Tenth fifth), said according to his friend, after she s Sabr? to go to m? quina of banking activities in the d? and as you can withdraw the money. With some banks, it is possible that the account is negative (have an overdraft balance) but discovered the balances are not allowed, because she can withdraw the entire amount in the account, and the fee for international withdrawals be then? applied, pushing the account into a negative state. Some banks let you get away with this, and some charge a huge penalty (to say the U.S.). Check with your bank so cu? L is the pol? Policy. If you don 't like your pin? Practice, you can do one of three things: change banks, monitor the account * (v? The bank to' the Internet banking service s) and transfer money in immediately to bring the account back to zero, some banks will fail? n set a rule that is applied automatically to sweep money from your account normal in this account to keep the account is not negative, * tell your Thai friend ? s not to withdraw the entire balance, but to leave xxx baht in the account forever. This may or may not be possible, depending on whether the atm? Sfera in Thailand says the balance of the account. ? his is a function? of your bank, not atm? sfera or M? S or Cirrus. Some banks make the balance available, and some don 'tI hope this has been beneficial. I 've used? both m? all (telegr transfer? fica card and d? Bito).
Douglas Anderson