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in Phuket it is better to issue a card or exchange for rubles for baht?
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Definitely better than unionpais.
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The card is convenient for settlements b/n, the commission is small. Cash will come in handy when shopping in the markets for example. Decide for yourself whether you need a card, for the opening of which you will have to pay min 5000 rubles, also possible service (you need to read the conditions for each bank separately) or it is enough to bring $ and here change to batts and pay for them ...