you can hold there all main currencies…usd,aus Dollar,uk pounds,yen,euro,Swiss franc Thai baht,etc….low fee and transparent rates,I use it for many years already,living abroad.
with WISE you can transfer it in real time to any Thai bank account …you can hold Thai baht there,you can change your own currency in a second to Thai baht if there is a good rate…you have a cc so you pay everything in the mall or restaurants with the local currency…