I use Revolut and have done for a few years now. I am allowed £1000.00 per month before transfer charges apply, which includes ATM withdrawals. Not a lot, but my circumstances mean I don't need more. I usually transfer the money from my UK bank to Revolut, no charge. I then transfer that to the Revolut Thai BHT A/C via the App, no charge, and then transfer the amount to my K bank A/C. The total cost is about 44/49 BHT. I also keep a reasonable amount on the card to pay for various things when out and about. As I am paying in Baht there are no other charges. The card has been refused on a couple of occasions, but then I have the K bank card. Cheep as chips as the saying goes.