grazer
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I am with ING, and I use Wise. ING used to rebate the fee but they don't anymore - probably because it is 220-250 baht and that is like $10. They still don't charge their fee if you meet their hoops, but that was only $5 or something. Wise is kind of confusing. So I don't know - still need cash for the market and stuff. Unless somehow one can get a Thai bank account and use the QR code thing that even the market vendors have.