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Suppose I issued a Union Pay bank card in Russia, I have a ruble account on this card. Then in Tai I withdraw cash from this card at the ATM immediately in baht. So? What is the exchange rate in this case?
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Let's add here that the ATM exactly, very accurately eats 220 baht and your bank takes a commission for withdrawals.
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You will have a rate at the time of withdrawal +/- this is to your bank at the post bank one. solidarity is different.