Should I send money to my Thai bank account or continue using my American debit card for spending?

Just buy crypto on coinbase/other exchange then send to wife have her cash out and send it to you. Can have cash moved from your accounts in less than 5 minutes

I use my fidelity debit cash management card. They reimburse all atm fees around the word.

I use wise if I want transfer from usa bank

I keep two separate Thai bank accounts. One that holds my visa money and one for spending.

As with most things, it depends. My Schwab card refunds all the ATM fees. So just what is more convient

Wise usually has a better exchange rate than Schwab, but since Schwab has no fee... There is a crossover point.

Also, my credit card has no foreign exchange fee, but generally terrible rates.

Personally I hate to carry cash so I use Quick Pay from the bank app.

@Randy ******

using your American debt card to withdraw from Thai Atms incurs a ฿250 ATM fee whereas your Thai debit card or cardless atm transaction doesn't attract the ฿250 fee

Its whatever works best for you. For me it's much easier to send to my thai bank and use scan and pay through my banking app. But I also have a US bank card that refunds all foreign atm fees, so I use that to have cash to carry. You always need backup, so have multiple ways get your money.

That's mostly a personal decision.

If you have a debit card/bank account that refunds ATM fees, it might turn out a bit cheaper to use the ATM. But you're going to be limited to getting smaller amounts at a time. I believe the maximum is 35 or 40k baht from certain ATMs, I can't remember exactly. As long as you're not accepting the ATM conversion rate, you'll be getting whatever conversion rate your bank gives you, so it'll be a little bit of a mystery until everything settles.

With Wise or other transfers you can send much larger amounts and have the full amount available in your Thai bank account to use QR payments and such. And at least with Wise you'll know the exact transfer rate and fees before you ever click accept.