one of my accounts is at the bank right in front of my condo in the centre of Bangkok. None of the staff who I’ve know for many years has even the most basic English.
apart from the visa of course, everything else is pretty straight forward. Depends on what the total price was as to how much value you get. I never knock anyone for using agents because in most cases it just makes sense.
I don’t entirely agree, there are other ways at much lower cost. Of course the fast track immigration and the chauffeur services are great but beyond that’s about it for me.
if you have a card you can have THB account and if the business accepts cards you can use it to pay from your THB. But you’d still be charged an ATM fee.