I use wise. Used it in Portugal. $200 from ATM free of charge. At least it was last year. I'm visiting Thailand in February and I've already funded my USA account in wise and transferred it to my baht account because rates are good. U can also set up a transfer automatically when setting up at what exchange rate you want. Well use the debit to pay as if shops accept it

@Jeffrey ******

so if my phone is compatible I can have a Thai # and a USA # on one phone? Sounds so simple...