@Ricardo *******

no! Not according to their own website. Again what hat are you pulling your ideas from??

“Mastercard’s exchange rate applies to any foreign currency payment you make with your N26 card.”

They do have a cooperation about sending currency to other countries. But not about currency conversion. Very different things. The partnership is allowing N26 to use Transfer-wise (against a fee obviously) . They have partnered with multiple banks.

Obviously they wouldn’t give up their competitive advantage 🤷🏻‍♂️

@Ricardo *******

no thats not correct. What hat did you pull that idea from??

N26 use mastercard rates. Wise use interbank rates as they support multiple currencies. They don’t need to depend on Mastercard or Visa conversion at all! At current moment Mastercard calc gives worse rate than wise (just go check right now, compare how much eur 30k baht cost. I just did)

Wise is multi-currency account that uses local country bank transfer for local currency using local accounts. And the instant wise transfer to other wise users outside the banking system l. And the in-app conversion has lower/better conversion rate than Mastercard as again its interbank rates. As wise is multi-currency, it doesn’t depend on Visa or Mastercard rates at all.

N26 does not support holding multiple currencies. Wise and N26 aren’t really comparable at all. Serves different purposes. Wise strength is it’s multiple currency support and being able to send money to another country using local transfer/accounts instead of international expensive swift transfers.

Its also cheaper to use the card as you pre-convert to local currency BEFORE swiping the card so no visa or mastercard conversion happens at all.

And by the way, wise card is Visa, N26 is mastercard.

Why would you make up stuff you don’t know??

@Luit ****************

I was opening a bank account. I was lucky to get one under “Ling term medical treatment” But although DTV is a long term visa, it’s classified as “special tourist visa”. Most on DTV are so far being refused bank account.

We see posts regularly here about people applying retirement struggle to open bank account.

So yes, evidently for many it’s still a catch 22 😉

You’re being a bit pedantic now.. as i mentioned there are also others real reasons why some prefer to apply in country

@Paul *****

did you see OPs previous post? He managed to be offensive in both last two posts he did l, and then comes complaining people are offensive 😅

@Jermaine *****

yes you did in both this post and your previous post…..

@Luit ****************

that assumes your not already in Thailand under a different visa for months (or even years) in advance for other reasons. A bit expensive (and a pain in the a..) to fly long haul back/forth just to apply visa from “home country”

There’s also allot more paperwork required to apply in home country vs in Thailand. Besides the bank account its less hassle.

Im 45 and bridging to retirement visa with DTV. If I can help it id rather spend as little time as possible in Europe. I’l be happy if i never have to go back to NL…..

@Jermaine *****

i think you need to work on your “being human” skills. Not just communication.

Sorry, this was all on you. You should have done your research, then you would know when and how long in advance you could apply extension and when to ask your school for for authorization letter.

Immigration did nothing wrong, your school could have been better, but its ultimately your responsibility

Just go with Wise for E33G, have you looked at the reviews for N26.

Wise offers better rates, more established and have more licenses.

@Thazin ****

no need to be resident. I provided EU passport, bank statement and a single hospital appointment

I did mine in Jakarta. On medical grounds, but should be similar. Was very straight forward. No appointment needed, walked in Monday morning. Picked up following Thursday afternoon. Spent maybe 15 min in total at the embassy.