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10
Street stalls mostly cash — withdraw 3000–5000 baht once, top up weekly. 7-Eleven and malls take card/QR. ATMs charge 220 baht foreign fee — one large withdrawal beats many. SuperRich exchange (multiple branches) beats airport rate. Keep 1000 baht hotel safe for taxi if phone dies. Wise/Revolut works sit-down restaurants, not boat noodle cart.
4
Revolut/Wise works many sit-down places. Always cash for boat noodles cart.
2
Keep 1000 baht emergency in hotel safe — taxi if phone dies.