Am going to Penang middle of May and need to know best option for changing money1) take baht and change at airport ( Bangkok or Penang )2) Take baht and change in Georgetown ? ( better rate )3) Use my card and withdraw from ATMmy last trip to Bali was advised to change money at Bali airport and was fleeced ( rate compared to Kuta varied by almost 40%)

Anywhere in Chulia Street (main street in Georgetown) you will find moneychanging shops - ask a few and you'll get a good rate. Also they will help with six or twelve month visa. 12 month visa charge is 5.000 baht atthe Thai consulate. The moneychangers will want 500 baht on top. They are very successful too.

Just a thought. Been there five times now.