Too many members fail to understand all the possible charges associated with these accounts, banks are in the business of selling products that make money, nothing is for free, even if it seems that way.
The model that most members seem to have in their minds is that they will deposit foreign currency into a FCY account and then when the exchange rate looks promising, convert those funds into THB and spend them. But what if the exchange rate never looks right and the funds just sit there, is there an annual charge and what about the loss of interest that would otherwise have been earned? And what if your circumstances change and you want to send that foreign currency back overseas, can you and at what cost and, as we heard from one member, does it have to be exchanged into THB first and then foreign currency purchased again, before it can be remitted! As for withdrawing foreign currency in cash, USD or GBP or similar, what is the process the bank goes through and what is the cost, even if the currency in the first place!