when there are free additional accounts in dollars, baht, etc., it is more profitable not to keep dollars and guess at the exchangers where the rate is better, yes? And just convert in the app and at ATMs to withdraw baht immediately?

[nikolai]

when there are free additional accounts in dollars, baht, etc., it is more profitable not to keep dollars and guess at the exchangers where the rate is better, yes? And just convert in the app and at ATMs to withdraw baht immediately?

[Aleksandr]

I would not say more profitable. Convenient - that's for sure. There may be some losses on the rate and on ATM commissions. But the ATM commission is reset to zero if you use cash advance. And you can win on the course - if you sit and catch the good" course online."