3 minutes ago, Rockyroad said:

ING used to refund atm fees and merchant fees. They dropped the atm fee refunds. You really are ignorant. A 4 baht man.

1 minute ago, Rockyroad said:

• 0 International Transaction Fees: No ING fees for online or in-store purchases made in a foreign currency.

• $0 ING International ATM Fees: ING won't charge you for using an ATM overseas.

• ATM Fee Rebates: While ING doesn't charge you, the local ATM operator might. If you meet the criteria, ING will rebate the first 5 third-party ATM fees charged to you each month (domestic or international).

You've just made my point about AI. Thanks.

4 minutes ago, Rockyroad said:

You really are ignorant. A 4 baht man.

I can't believe you still don't get it. I did try.

Just now, treetops said:

You've just made my point about AI. Thanks.

I can't believe you still don't get it. I did try.

It's on their website. You really have no idea.

Just now, Rockyroad said:

It's on their website. You really have no idea.

Yet AI contradicts it. Amazing!

I wonder who's right?

2 minutes ago, treetops said:

Yet AI contradicts it. Amazing!

I wonder who's right?

I'm right. Been a customer for years. They used to refund the 220 baht fee but stopped. They refund all other fees. You're a 4 baht guy.

5 minutes ago, Rockyroad said:

I'm right. Been a customer for years. They used to refund the 220 baht fee but stopped. They refund all other fees. You're a 4 baht guy.

I've now worked out, without AI, you might be referring to ING Australia, even though you started this particular bit of thread creep with:

2 hours ago, Rockyroad said:

Dutch banks refund the bank fees.

Do you see how the previous comment might ever so slightly make readers believe something different than what you meant?

Signed, the not 4 baht guy, never was but you'd have to read and understand the thread to realise it.

1 minute ago, treetops said:

I've now worked out, without AI, you might be referring to ING Australia, even though you started this particular bit of thread creep with:

Do you see how the previous comment might ever so slightly make readers believe something different than what you meant?

Signed, the not 4 baht guy, never was but you'd have to read and understand the thread to realise it.

Suit yourself. I worry about 220 baht not 4 baht. Several banks refund the merchant fees like in 7/11 but stopped the 220 baht refund as it was costing them too much.

22 minutes ago, Rockyroad said:

• 0 International Transaction Fees: No ING fees for online or in-store purchases made in a foreign currency.

• $0 ING International ATM Fees: ING won't charge you for using an ATM overseas.

• ATM Fee Rebates: While ING doesn't charge you, the local ATM operator might. If you meet the criteria, ING will rebate the first 5 third-party ATM fees charged to you each month (domestic or international).

That might be useful if anyone here was from Australia...

4 minutes ago, Rockyroad said:

I worry about 220 baht not 4 baht.

I'm lucky enough not to have had to worry for a long time about the (formerly) 220 baht fee using my current ATM cards, and still hoping you'll realise eventually where the 4 baht entered the discussion.

31 minutes ago, treetops said:

Indeed, I have one of each, neither of which has any bank charges for overseas/foreign currency transactions. I have used them in many places including both Thailand and Vietnam, and mainly stick to the MBNA Visa card as it has a cashback element too, which likely outweighs any exchange rate differences.

Which MBNA VISA is that? Horizon?

I guess you could apply for a Starling Debit card for a free free Mastercard option.

5 minutes ago, treetops said:

I'm lucky enough not to have had to worry for a long time about the (formerly) 220 baht fee using my current ATM cards, and still hoping you'll realise eventually where the 4 baht entered the discussion.

I'm done here. Not worth it.

5 minutes ago, IsmeUno said:

Which MBNA VISA is that? Horizon?

I guess you could apply for a Starling Debit card for a free free Mastercard option.

It's a legacy card that's not been available for several years now, formerly affiliated with Emirates (airline).

I actually do have a Starling account but was thinking only of credit cards when I posted.

6 minutes ago, treetops said:

It's a legacy card that's not been available for several years now, formerly affiliated with Emirates (airline).

I actually do have a Starling account but was thinking only of credit cards when I posted.

I also still have a legacy Mastercard CC other than Halifax.

4 minutes ago, IsmeUno said:

I also still have a legacy Mastercard CC other than Halifax.

My Halifax is still good for another 2 or 3 months so have time to put something else in it's place if a good option arises.