interested to see the exchange rates for transactions and withdrawals, I will try a transfer again next month and see what rate is and compare overall with wise, last time was better with wise, I did not try withdrawal with card here as I use k+ I would be surprised if rate was good otherwise people would just use arms to get money here and not transfers lol they only do things to make money, in reality nothing is free with a bank, they make money from it some how
I even used travellers cheques until I opened accounts here, I never ever use my UK or HK cards as its wayyy too expensive. 200Baht fee in atm, then barclays add two further costs.
barclays does same with a no fees international transfer, it works out more cost effective to use wise with a transfer fee as the rate is so much better.
are you sure? My wife had HSBC in UK but was charged for using card here, I have one in HK same thing, I also looked to transfer from HK to K+ but it was better to transfer from HK to K+ using wise.