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I used to stick with Siam Commercial Bank to withdraw cash from my Australian account. The rate I got was often better than the TT rate they showed on their web site.

After the introduction of their 20 baht fee per withdrawal (for which there are now numerous discussion threads already), I've been wondering whether it would be a good idea to switch to other banks. The main issue is that the exchange rate may not be as favorable, such that the 20 baht fee may actually be insignificant if the rates from the other banks are much worse.

There are quite a few banks around that it takes a bit of effort to keep track of all the rates.

So I ask, which Thai banks have you guys found give consistently good rates, and what currency do you convert from?