Romano Bummies

Get a rabbit.

Wise cards are excellent. Have been using mine for 3 years now. Only thing I find annoying is their low commission-free limits for ATM withdrawals. Max 2 withdrawals/month for a maximum cumulated amount of 200EUR. Anything above that is charged 0.50EUR per withdrawal and 1.75% on the amount of money withdrawn. So let's say you wanna withdraw once a month 20000THB (500EUR). You'd pay nothing for the single withdrawal, then nothing on the first 200EUR and then 5,25EUR on the remaining 300EUR. Essentially a 500EUR withdrawal would cost you 5,25EUR which amounts to a little bit more than 1%. Add a 220THB (5,50EUR) fee from the Thai bank owning the ATM. Ultimately a 500EUR withdrawal would cost you around 11EUR - 2% and then some. That said. A Wise card won't beat a Thai card linked to a Thai bank account receiving money from the West. I don't think so anyway...