Advice needed about money from UK to Thailand. My daughter has recently moved to Thailand and is getting her Ed visa sorted. I'll be visiting her and sending her money, we both have wise cards (as yet unused). It suggests you can 'spend like a local' but I can't see how that works when she says they don't have contactless anywhere, also she doesn't know how to transfer her rent using Wise. She's always paid in cash and has to withdraw cash weekly. Is this how it is locally??

She's been taking money out of her uk bank at ATMs and being charged fees both ends. She tried to get cash using her passport in a bank to avoid atm fees but they refused.

I guess what I'm asking is what's the best way to use the wise card, she has a physical one and digital one, with different numbers (not sure why she has two?). It may be that I'm a dinosaur, but advice would be much appreciated.

Any one use promptpay. I got caught out at a restaurant yesterday with not the correct amount so they wanted me to use the scan qr code. Any one used this. I believe can use non Thai banks but expensive fees. I can register a BKK bank account but means visiting a branch.

Has anyone made ABA Bank (Cambodia) retail payments using QR codes in shops in Thailand?

Well this will be an everything else post. I eat out on the street in Chiang Rai and love it. Great food great prices BUT the ATM gives me 1K Baht notes and they are about useless when I want to buy a 50 Baht meal. I just feel it rude in your face to pay with a big paper bill to pay for a small amount due. I just opened a Bangkok Bank account with debit card, but even if I pull out 5K Baht I am given 5 1K notes... Any constructive advise is very much welcome. Was not a problem before as I would buy a couple three packs of the beer for my room with a 1K Baht note so always had smaller denominations notes, but passing on the beer till I can drop some weight.

is there a secret to getting automated payments for things like phone, internet, TV, water, electricity?

even just being able to go online and pay bills from my banking app or internet banking would be an improvement.

I've had a Bangkok Bank account (with a working mobile banking app) since early 2020, but whenever I go to places like True to pay my phone/internet/tv bill and ask them if I can be set up to auto-pay or at least pay my bill from my online/phone banking, I feel like I'm asking them to invent a new form of banking based on blood letting!!?!?

why can I give the poor guy with no legs at my local market a few baht by scanning a QR code on his cup, but I can't pay my phone bill other than by going to a 7/11 with cash, or to a True service center??

Is it possible to live without using cash? Are there any finance apps to pay in shops? (Eg. Venmo, Gopay, Gcash in other countries). Where is mastercard accepted?

I have another question.

AMERICAN EXPRESS card

what's the acceptance rate?

rarely gets rejected? or often gets rejected?

is Apple Pay commonly used in Chiangmai? Phuket?