There's several apps you can use to scan QR codes which are handy...

And then I use both Wise & Revoult to pay for items or @ Bigger shops restaurant where no extra charges Tops Lotus Central & can link cards to grab and bolt for transport & takeaways deliveries too etc...

I Sometimes transfer to friends with Thai account then get code off them for cardless withdrawal at ATM...

Or another option I go into any of the BiG 4 Banks and withdraw larger amounts 40,000 - 50,000b but may still incur the 220b fee 🫤💰💸 and then try make that last as long as possible (8+ weeks) also using other payments methods as well...

But I guess also depends on your spending patterns / habbits and if you live like a local more than a tourist coz y'all easy blow ya dough like monopoly monies if the latter....

😎🙏🏽