Short answers

Who ranks first?

Senate Exchange and EXFM share places 1–2 at 9.5. The scale does not choose between them: the score, cash without your own card and an island office all match.

Do I need a Thai bank account?

For cash at an ATM, at a cash desk or from a courier, Senate, EXFM, 2Change, ARBI and Money Shop do not require your own account. An account is needed when payout is made by transfer to it. For Thailand, the reviewed Avosend extract credits a card.

Can I withdraw baht with a Mir card?

2Change says Mir cards are not accepted in Thailand. Senate and ARBI accept Mir as a way to send money for exchange.

Who changes baht back?

2Change does not offer reverse exchange in Thailand. Senate’s site lists THB to RUB and THB to USD. EXFM, ARBI and Money Shop show ruble buying and selling. Oplatym states a THB-to-RUB direction.

What is today’s rate?

No participant publishes a permanent figure that can be written into the ranking. The baht total is named during the request. The scale counts only the threshold at which the site’s rate changes.

Why is Avosend so low?

Because a Thailand page with limits and cash payout was not included in the review. Only rubles from a card were credited. When a page with cash, a threshold and timing is available, the score is recalculated, not guessed.