Can I use Revolut or Wise for payments in Thailand instead of opening a local bank account?

Wise works as a card.. but Thailand is more QR codes..

This refillable app works for QR codes

It really depends where you are - in most 'tourist' areas you can use Wise ok in many places but some will charge you 3% for using card (Wise doesn't charge). The more local/rural the harder it becomes and cash or QR code is required. Another issue is if you get a fraud block on your Wise card you've got a big problem as they won't deliver a new one to Thailand. Suggest maybe having at least 3 usable cards (Wise/Revolt etc) if you plan to be in Thailand long term. There are also online banks like Monzo that offer the same, depending on your residency. If you want to open a Thai Bank Account use an agent. Apparently Pattaya has the cheapest.

I use wise visa for all payings at over 200 bath. Put the card in my Google wallet and pay with NFC of my mobile phone. There are no extra costs, if you changed some money into Thai bath before. Grab and bolt also working, same as in Vietnam.

Try true money. Easier to open than a bank accounts and can pay at a lot of places.

I use wise and it works fine out here. I also have a Bangkok bank account which works well with scan but is temperamental the old fashioned way.

If you want a bank account use an agent. My wife is Thai so I was fine 😆