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Please help me understand.
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Read online about double conversion. The best option is cash baht. Withdraw cash from Tinkoff's bat account at the bank window.
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On the tin put the currency at home. when necessary, transfer to the bat account, rush with the passport to the bank branch and withdraw without commission. well, for the first time a piece of bucks is enough, you will change immediately for baht)
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Dollars are better to have in cash at 100 money.