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Tell me, please. First time in Thailand. How did you understand it is better to have baht in cash, cards are not used everywhere?
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I counted the difference between (buy dollars in Moscow and exchange on the spot) - (withdraw from union pay tied to a ruble account and withdraw baht in maximum amounts), the difference came out 4% in favor of $. It's up to you to decide how critical it is for you. There is also the option of buying $ on the exchange and linking the union pay card to the $ account, while I have not counted how much it will come out.
215314,2,It's better to take dollars with you
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It's better to take dollars with you, and exchange them for baht. UnionPay cards work. We tried to pay everywhere in cash.