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georgey

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  1. ....and your punctuation and spelling!
  2. Wow, an intelligent answer. As you say, very hard to make a direct comparison. Tokyo is more expensive than BKK, certainly, but pretty much everything you get is of significantly better quality (as you have stated). Hotels and taxi fares are the stand-out expensive items for me, rentals as well, rather unsurprisingly. Pretty much everything else is decent value. Of course, if you look at minor Japanese cities vs. central BKK, the latter starts to look rather over-priced.
  3. In BKK, Zuma is the best IMO, in fact the best I've been to anywhere; they bring food to your table, extremely well presented and high quality. Kempinski also v good, but both these are expensive. JW Marriott (Tsu/Nami) used to be excellent, haven't been for a while, but last time felt prices had gone up & quality down; very Japanesey (as is Zuma), of course, & not cheap. Significantly cheaper are Millenium & Radisson Blu - ok, not great. The better Indians (Punjab Grill, Indus, Maya) do Sunday brunch as well; look like it's going to be good value, but disappointing; food nowhere near as good as served in the evening.
  4. Owls don't fly into stationary objects at night.
  5. Just checked (for GBP-EUR and GBP-CHF) and you're absolutely right. Apologies for misleading, I'm glad you got me to check it, it's more or less on a par with Wise.
  6. I have used the account available at HSBC Singapore which has a slightly different name, but essentially same idea, and it works very well. I have only just opened the one you're referring to at HSBC London, and haven't yet got round to using it, as the physical card hasn't yet turned up (I live in TH), so my info on it may not be totally correct. However, as I see it the London a/c, from my perspective, has the advantage (over the Sin version) of offering a wider range of currencies. But, there does seem to be a major negative in that if you want to pay-in to the Lon a/c, I think you can only do it by changing GBP into your desired currency on the app itself and this entails using the HSBC exchange rate, which is approx 3% worse than the wholesale rate. I tried paying to pay CHF from a third party into the (Lon) account but was unable to do so; I haven'y yet tried with other currencies but will do soon. With my Sin a/c, I can pay-in currencies other than SGD, which I have typically bought via Wise, whose rate turns out to be only approx 0.5% worse than wholesale. So I save 2.5%. As most credit card companies also charge about 3% (in the form of the exchange rate, an actual charge, or a combination of the two) I see little if any advantage of using the Lon a/c, rather than credit cards; their claim of no charges is very misleading.
  7. FYI, took mine in on 23rd Dec., got it back 16th Jan. Quite impressed, given the number of holidays involved (at the UK end).
  8. that's great info.....never knew about it - could have used that dozens of times if I had. Thank you!

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