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I read about Tinkoff and wondered: how is it more profitable to change the headstocks? With a card or carry dollars with you?
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Take the principal with you in dollars. If you don't have enough then use the Tinkoff card.
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In any case, dollars will need to leave a deposit at the hotel or when renting a bike.
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It is most profitable to withdraw baht from the MasterCard Tinkoff card. Buy baht strictly during working hours from 10 to 18 Moscow time on weekdays.
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On Tinkoff you can have a dollar account and buy baht from it. In my case, the rate was more profitable than in exchangers in Phuket. But you can compare the courses yourself.