For those who are able, keep the minimum in your bank account (less then 100k) and handle the rest in cash. You'll always get a better rate then any money transfer application. Top up regularly if account is used for basic utilities payments etc. But never leave more as cash in king here and very safe to carry around, provided you are not the Sad Sack type to end up drunk in girlie bars and do not bring back prostitutes masseuses to your place every day. Of course for the long stayers more is needed for the visas so this would not aim to that category of foreigners.
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