Me too. Here are some suggested rules:
1. Be very careful to NOT accept "dynamic conversion". When taking a large amount out at "yellow bank", it cost me almost $50 on the transaction.
2. Use a debit card which does NOT have a "foreign transaction fee". It can cost you at least 3% above the usual 1% conversion fee that Visa/Mastercard take a foreign currency conversion fee.
3. Use a card which will reimburse you for the usurious fees which Thai banks charge on ATM transactions. Charles Schwab's debit card is one. There may be others.
4. If you must pay the Thai bank transaction fee, then take out as much money as you can at one time (up to B30,000 at some banks) since the transaction fee amount is fixed as doesn't depend on the amount withdrawn.
