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Visa and Financial Services

2 questions

Quick question. I used wise debit card at ATM to withdraw 20000baht from my baht current account. ATM charged 220baht but wise also charged me 350 baht. Is this normal , l was told only ATM charge will be 220 baht.

if I can't open a bank account, how will I get the money ?It seems confusing atm. Should I get some cash with me ? What's the max legal amount? Thank you.

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