Sorry mate. (Too much caffeine.
)
I apologise to you
@CO-CO , apparently you've not had dealings with Foreign Currency Accounts held at Thai banking institutions.
Everything that moves out of these accounts are at the T.T.-rate.
I do recall years back some Thai banking assistants not understanding that and incorrectly calculating exchanges from FCAs into THB Savings accounts as cash-quotes prior to a manager being called to assist in correctly handling the exchange.
From what I've experienced T.T. has always been higher than cash although an FCA has no deposit insurance coverage so therein lies the trade-off.
(Personally I utilise the FCA for my extension of Retirement Visa along with large transfer mitigating transfer handling fees stateside.)