Can also look into this Fairly new app thats backed by Kasikorn (Green) Bank once signed up with card you can use QR payments too but only able to top up with them and I get better exchange rates via Wise & Revoult...
the problem here is when people call it there "home country" which implies there nationality IE British passport but many haven't lived or worked in there "home country" for many many years 8-10+ years maybe even decades...
So obviously you'd apply from a neighbouring or closer country than travelling all the way back to Europe etc ...
unfortunately (T.i.T) This Is Thailand and each of the embassy / consulates makes there own rules or adaptations of the official Thai Government guide lines...
That's why people pick and choose which country to submit there application etc...
It's very annoying that's theres No Uniform policy they all stick too...
I even had to have an interview back In September...