@Brandon ***********
I was focused on her question. Reread it and see the same question about using an atm to take a large amount.
I am not surprised about “I have to pay a large amount for my visa”. It’s the way people write. “I paid 400,000 bath for my visa”. Likewise people write “I have a marriage visa” or a “retirement visa” while such a visa doesn’t exist.
Meanwhile the question is about getting large sums of money using a foreign card and being limited when using an atm.