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10
Stalls often cash — pull 3000–5000 baht, top up weekly. 7-Eleven and malls take card/QR. ATMs charge 220 baht foreign fee — one big withdrawal beats many small. SuperRich exchange better rate than airport.
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.