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Yes, I think I get this request every 2 years. Last time was September 2023. Remember, NEVER use any direct links in an email. Login to your Wise account from your browser or app and continue from there.

I have no experience with a retirement visa in Cambodia, but my friends tell me that it is quite easy to get. Concerning banks, I got my bank accounts more than 10 years ago. It was easy to get an account at that time, and I opened accounts in 7 different banks. There have been no problems with the banks but currently, I only have 4 remaining banks. All my accounts are in US$. 1. ABA https://www.ababank.com/ is the most popular bank among my friends (local and expats) in Cambodia. The bank covers all types of bank business and is probably the most progressive all-round bank with a good reputation. It is a subsidiary of the National Bank of Canada. 2. KB Prasac (my favorite) https://www.kbprasacbank.com.kh/en/ Excellent for fixed accounts and plain bank accounts. Transferring to other Cambodian banks is free and instant, using the Bakong transfer system. The bank is owned by KB Kookmin Bank, one of South Korea's biggest banks. They give at the moment 8,25% on 12 months fixed accounts. 3. Hattha Bank https://hatthabank.com/ Hattha Bank is a subsidiary of the Thai Bank Krungsri. Krungsri is a strategic member of the Mitsubishi UFJ Financial Group (MUFG), Japan’s largest financial group. You can get 8% on a 12-month fixed account, and they have a money-on-demand account called HYSA account where you can get up to 5% 4. May Bank https://www.maybank2u.com.kh/ Malaysia's biggest bank. I use that as a 'safe haven' and for transfer to and from Cambodia. All the above banks use Bakong, https://bakong.nbc.gov.kh/en/ is a very excellent, free, domestic money transfer system. There is a 14% tax on interest for foreigners, deducted before the interest is added to your account. Where to live? Well, I started in Phnom Penh but got tired of the traffic and chaos. 5 years ago I bought an apartment in Siem Reap. It is much smaller but has a big expat community and lots of exciting restaurants. It is probably Cambodia's most international city. I like Thailand, but I love Cambodia.

I have been using a Danish Visa card with a 4 PIN code. It was working in both Thailand and Cambodia.

This is a reply to "Transferwise Charges if you cancel a transfer." We have 2 problems. 1: exchanging from one currency to another currency 2: transfer money to your Thai account. You don't have to do the two things at the same time. In Wise you should make two balances, 1 in your currency for example £ and 1 balance in Thai Baht. Send your money to the Wise £ balance. When the rate is good, convert to Thai Baht. When you need to send Thai Baht to your Thai account, just send the Baht from your Thai Baht balance. The transfer takes between 5 and 10 seconds. (at least it do that for me, I use Kasikorn Bank) An extra bonus is that you don't have to pay the 200 Baht Kasikorn fee because Kasikorn sees the Wise transfer as an inland transfer. By the way, I love my Wise debit card I have balances in Dkk, US $, Euro, and Thai Baht. If I pay something in US$, Wise will take it from my US $ balance, if I pay something in Thai Baht my balance in Thai Bath is used. It is very useful, and I love to save money because I can convert when the exchange rates are optimal..