xastunts

I suggest you open a bank account at UOB BANK (united over seas bank). It's a Singaporean bank, and they do have branches in Malaysia as well. Once you have that bank account, you do not need to apply for an ATM card unless you want to have that option, although I suggest you do take the ATM card (debit VISA/MASTERCARD) as it works everywhere in the world. You can later install the UOB banking app on your smart phone and pay with QR code almost everywhere in Thailand. If you like the idea to have a True Wallet (application not in ENGLISH) I'm sure that some thai girlfriend can help you install that =). I think it works both for a Thai, or Foreign citizen. I do not recommend the hassle and benefits of using True wallet. When I go to 7/11, I can pay with their own pre-payed cards, just tap and pay cards. Hope I saved you from a few unnecessary bank visits. /Regards Dave.