I, like you, can use the THB balance I keep on my WISE Multi-currency card, online or to buy in stores. But at the ATM machine it wants 250 Bht fee, which I will not pay as I have a Bkk Bank card.
WISE is still, for me, the best way to transfer each month to comply with Immigration. Long Term Stay reason takes 24 hours to arrive, no problems.
Money is not the issue, as most don't pay the bills anyway. The better solution is to impound the cars/motorcycles and sentence repeat offenders or people who cause injury.
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