You pay 220 Baht anyway, then an additional amount from your bank, depending on the conditions of your card. Wise has a fee too, but the worst, the exchange rates are very bad. So check some different ATM, don't use rhe first one.
Sorry, but I don't understand. So man different Meiningen, but: I want to apply for a visa early, I can do it three month before. I never heared that the visa validity starts with the day of issue?????? Then I would loose may be two month of my stay, I cannot understandbthis advice.....sorry....