RSD1

Good points. I agree that not having an ATM or debit card can be a good security measure. I do the same with the account where I keep the majority of my funds. However, for my daily spending account, I do have one. There have been times when I couldn't make a cardless withdrawal or needed to pay for something in a pinch that required a local debit card. I don’t use it often, mainly as a backup. There are also times when I go out at night and leave my phone and app behind, so having the card is convenient if I need to withdraw cash in those instances. Everyone’s situation is different, so what works best for you is what matters most. But in my case, having a card with a daily withdrawal limit of 3,000-4,000 Baht isn’t too risky, especially when the account doesn't hold a large balance.

Yes, in the mobile app. Attached is a screenshot from the green cardvsettings. You can see the Spending function below the card in the app. There are also more settings below it if you scroll down in the app, but unfortunately you can't see them all in this limited screen shot. All the settings fall under "Manage Card" undereath the card as you can see.

Good stuff. I assume most online banks and Fintech companies offer those options now. N26 Bank also offers the same type of functions.

Trump is the cause!

I love it. Perfect label for any Trump supporter. I will make use of that for sure. Thank you.

If it ain't broke don't fix it right? Actually his second term gaggle of broke-dicks do at least share one thing in common, they are all loyalists to a fascist, which is the only qualification for their jobs they actually need. You've got a convicted felon and sex offender at the helm and you could have had 2 more sex offenders in other top positions, but they had to let Geotz go. What a pity. Otherwise you would have had three p**sy grabbing musketeers in the White House all at once! Covfefe!

But I was laughing my arse off when I wrote that. That's a tantrum? I can see that delusion is strong with this Trump minion.

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.