@Jim *********
yes id guessed as much. Although in the beginning with travelwise i got the impression each country in the operation had cash in the local currency, and the exchange was me paying england in pounds and the travelwise partner paying out in thai baht, allowing them to balance it all up later, and maybe take some advantage of exchange rates. It now seems my english pounds are instantly exchanged thru kasikorn into baht, at the push of a button. Im not complaining, i love wise, makes life super easy. Im just trying to make sense of it )