What backup plan should I have for money, currency exchange, atms and cards?

Cash remains useful, while cards and mobile payments are common at larger businesses. Compare exchange rates, decline poor dynamic currency conversion and protect cards and PINs. Keep a second transport or payment option, enough phone data and the destination written in Thai and English. Last services, app availability and road conditions can change. Avoid building an itinerary that fails completely if one bus, ferry, card or driver is unavailable. Money note: Exchange rates, ATM fees and card surcharges change. Compare the net amount, decline poor dynamic currency conversion and keep transaction receipts.