Yes and yes. They will give you atm card you can load up as needed from the app, and can use in many countries for local currency withdrawals. Great for traveling. If you live here, get a bank account and use Wise for large transfers and use the banks atm card (or QR code app) for purchases. Either way, Wise is the answer
My local office has told me twice now "no need for tm30 if still same address as before". I'm sure it's different everywhere. (The new Petchaburi office)