Prior to the scandal M, was charging 12,000 if you use their money, 7-8, if you use your own! Right now I believe the price has gone up to 14,000 to use their money. Their bank of choice prior to May last year was BB, today I believe the bank being used easily is Krungthai, I've not heard M being able to use other bank like Kungsri. My cousin has an account there it is a real rip off, as for fees, they charge you to withdraw your own money at their ATM, 20 baht each time then 2 months ago they charge him 1550 baht a year for the mobile application on his phone Of course this is in Pattaya.