today I leave Thailand because my STV expire tomorrow and now I’m in Penang too.
You can pay in booking.com in Euro I use revolut too, you should choose the currency before book. I did it 9 months ago and then cancel the reservations when I arrived to Thailand because I rent another on Airbnb.
I get my full refunds without any problem and no 1% charge. You only have to choose Euro as a currency in Booking.com.