RSD1

Correct, by default, when you create a new jar, it’s not automatically linked to the card. You need to do that manually if you want the card to have access to the jar. However, in my case, there have been times when I checked what was linked to the card and found some jars linked that I don’t recall linking myself. So, I suggested this more as a precautionary measure. No, I don’t mean transactions. If you’re on the “Cards” tab and see your card displayed, scroll down a bit. Underneath the card, you’ll find some settings options. One of those options is called Spending. If you click on Spending, you can designate which currencies and jars you want the card to use and have access to. My suggestion is the fewer you link then the better. But you can update these settings on the fly at any time going back and forth, which is something I do often. In my Wise account, I hold multiple currencies, but I usually only have the Thai Baht spending account activated for my card. But here is a typical example of when I would change that setting temporarily: If I want to purchase something on Amazon priced in US dollars, and my US dollars spending account isn’t linked to the card, then Wise will deduct the amount from me in Baht for the payment to Amazon in dollars. To avoid this, I link the US dollars spending account to the card temporarily, just before making the Amazon purchase. This ensures that Wise deducts dollars instead of Baht for the Amazon transaction. Then I disable dollars again, once the transaction has been completed. Another time I switch that around is when I'm traveling overseas. Once I'm outside of Thailand, then I disable the Thai baht spending account linked to the card and then I enable the spending account of the local currency of the country that I'm traveling in.

In my case, my bank credit card and my online banking both share the same login. It's the same for nearly every big American bank. So I can't log into my bank account without logging into my credit card account. That means any online banking I do is the same as doing something with the credit card. In regards to your paranoid conspiracy, I've never seen it in practice. But go on living in fear about it if that helps you sleep better at night.

Why do all Trump supporters have both the intellect and the sense of humor of a three-year-old with early stages of dementia? I guess it runs in the family.

I still doubt it's a problem. As long as you at least login online to your bank and/or credit card account from time to time to avoid a dormancy issue. As a security measure, some banks will lock an account automatically after a period of time of complete account inactivity, and normally that period is about one year. It's something they sometimes do in case the account holder has passed away and nobody has since contacted the bank about it. Best thing to do is do a small online transfer or transaction once every six months and then a possible account dormancy problem can be completely avoided. But I would check with the card company to be sure what their policies are if one is at all concerned about the specific issue that you raised.

That’s perfect. Yes, you can do it that way too, by moving over small amounts on a regular basis. For my daily spending account, I do have an ATM card, but I’ve set the daily withdrawal limit on the card to only ฿4,000. Additionally, the daily bank transfer limit is set to ฿3,000. This way, I minimize my exposure if the account is ever hacked. Plus, the total balance in that account never exceeds a month’s worth of spending money, so it’s all good. Even if you set your ATM card’s daily limit to zero, you might still be able to make cardless ATM withdrawals using the app. I’m not 100% sure, but you can give it a try. I believe I’ve done that in the past, and if it works, you wouldn’t need to change your card limit every time you want to withdraw cash from an ATM using the app. It’s also worth noting that withdrawing money from an ATM upcountry will incur a fee, usually around ฿25 or ฿30 per withdrawal. However, you can also avoid this fee by doing a cardless ATM withdrawal. Lastly, all local bank transfers between Thai banks are completely free, regardless of the bank, account type or how many transfers you make within a given time period. Some years ago, the Thai government passed a law prohibiting Thai banks from charging fees for local bank to bank transfers. I think they used to charge ฿25 for that, but that's long a thing of the past now.

Nope, I have a credit card from a major US Bank and I keep it locked in the app all the time. Whenever I'm going to make a purchase, I unlock the card temporarily and then lock it again once the purchase is completed. I've kept it this way for years already. Never a problem.

Yes, the answer is yes to both questions. To freeze your card in the app, click on the second icon at the bottom labeled Cards. From there, you can freeze the card. If you scroll down slightly under the card, you’ll see a section called Spending. Here, you can select which currency account or currency jars the card is allowed to spend from. If you want to keep the bulk of your money separate from your active spending account, you can use something called Jars. To create a jar, go to the same section where you would add a new currency to your account. From there, you can create jars for any currency you want. Once the jar is created, navigate to it from the Home tab. The jar will appear on the top row. Click on the jar, then select Add to transfer money from your active account into the jar. You can move as much money as you like into the jar, effectively isolating it for security purposes. Finally, return to the Cards section, go back to Spending, and ensure the card does not have access to the new jar you created. By doing this, you’ll keep your funds separate from your main spending account and inaccessible to the card.

YMCAs are great and they are far from gay, but the song is 100% Trump gay.

Smells like you've been doing lots of reconnaissance. Ewwww.

You are right. My bad. I meant "Commander in Convict".

Yep, well done to the Commander in Chump.

'Y.M.C.A.' gay anthem group Village People to perform at Donald Trump inauguration events: 'This won't make some of you happy' https://ew.com/village-people-performing-donald-trump-inauguration-8774084

Bing Bong Bing. Should be a very gay day. Trump will surely be doing his signature "pumping two giraffes" dance for all to see. Hope he doesn't soil his diapers at just the wrong moment again.

Anecdotal information and doesn't address my point to you about businesses not wanting to accept foreign credit cards because of fraud risks. But doesn't matter. Leave it at that.

Wise or PayPal if you are interested in Fintech companies. Many banks in the USA offer the function too, Chase, Citibank, etc. Also, Privacy.com offers it too, they even issue one time use digital debit cards for online purchases, but you must have a US checking account linked up to be able to use Privacy.com

They are safer on account access, possible security breaches and fraud. Nope, don't care at all. Do whatever you like. But your structure is flawed and problematic as you just discovered. If money went from your account to their account, you didn't authorize it, and it wasn't a computer glitch, then that's definitely fraud. As an outsider looking in, and based just on the information that you provided then, yes, I guess I would agree. But you are only able to provide one side of the full story. So without seeing the details and report from a full legal investigation, then I can't really conclude anything with any certainty.

Correct, Wise does not provide debit cards to people with an address on their Wise account in Thailand. But they do offer it to people with an address on their account in most Western countries. They will also issue debit cards to people in Asia if you have an address in Japan, Singapore or the Philippines.

Not at all. Once a month login to the main savings account online. Temporarily set the transfer limit to the amount necessary to make the transfer. After you make the transfer to your other savings account, then set the transfer limit back to zero and log out. Then repeat the same the next month. Takes less than 5 minutes total. But much added security.

This issue can be easily avoided by using a service provider like Wise, which offers additional digital debit cards for free, or one of the many other providers that also offers comparable features. With a digital card, you can designate it solely for online purchases and lock it in the app when not in use. If the system where your card information is stored is ever hacked, the locked card ensures that no unauthorized charges can be made. My method is to unlock the digital card temporarily in the app just before making a purchase and then lock it again immediately after the online purchase is complete, which usually only takes seconds. This method provides better security and peace of mind, as even if someone obtains your card information, it cannot be used 99% of the time while the card remains locked.

Lower daily transfer limits could have clearly prevented this type of fraud, as others have already pointed out. Additionally, your current setup isn’t ideal for ensuring your wife has access to funds in the event of your death. You should consider setting up a separate legal structure for that, as your current arrangement increases your exposure to fraud, as you’ve unfortunately discovered. A better general solution is to set up two bank accounts in Thailand at different banks. Use one account solely for savings. This account should have no ATM card, and the daily transfer limits should be set to zero. This is where you store the bulk of your money. UOB is a great option for this purpose because their banking security is stronger than that of most local banks. They also offer free life insurance and a guaranteed payout to your wife in the event of accidental death. Use the second account for daily spending, which can be with BBL, SCB, KBank, or any bank you prefer. Once a month, transfer the amount needed for daily living expenses from the main savings account to the spending account. For added protection, set the daily transfer limit, ATM withdrawal limit, and debit card payment limit on the spending account as low as possible to minimize potential losses in case of fraud. By implementing this system, even if the spending account is compromised, the financial impact will be minimal, and the main savings account will remain secure, especially if you use UOB. These precautions will make it significantly harder to fall victim to the type of fraud you experienced.

I was fully prepared to let you have the last word, knowing how much that seems to matter to you. But then I noticed you went back and edited your last post after the fact just to tack on some petty, nonsensical jab towards me personally. Nice touch. Anyway, just pointing that out for clarity. This will be my final response to you. However, feel free to reply (again) to reclaim having your beloved last word. Enjoy...

Every time a business has informed me about a surcharge for using a credit or debit card, they’ve explained that the fee is the same regardless of whether the card is foreign, domestic, credit, or debit, because they will ultimately be charged the same percentage fee from MasterCard and Visa, no matter which card you use. However, they’ve never specifically asked me whether the card I want to use is foreign or domestic. In your case, I assume they may not want to accept an overseas card due to greater concerns about fraud or potential chargebacks. By stating there would be a surcharge for using a "foreign credit card" specifically, they were likely trying to discourage you from using it altogether.

Correct. And specifically about Wise and Revolut. Not about how to use True Money Wallet to collect a few points and earn extra discounts at 7-Eleven, which nobody else here seems concerned with :D 😄

Just to clarify on this point, it's not about minding whether I lose a bit of money or not. I don't look at it that way. After a certain point life comes down to convenience and simplification. To me, those two things are more important than worrying about trying to save a few Baht here and there. To me it's more about quality of life rather than making sure I don't overpay a bit at times on small items. If one is really that worried about cost of living to begin with though then they should probably be shopping at Makro for everything and buying in bulk and never even be shopping in 7-Eleven at all.

Grab orders? Food delivery? Never used it, not even once. I get meals delivered once a week by a proper meal prep service company. I never order food delivery from restaurants. Again, everyone is different.