To pull cash from my US bank, I was planning up hitting an ATM (in Pattaya) with my Schwab Debit card, I know Schwab refunds ATM fees. Not sure of FX conversion rate or any options I can pick to get a reasonable rate and not get screwed. Thoughts?

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UPDATE: My Schwab card didn't work at the Bangkok Bank ATM for some reason so I ended up using my Wells Fargo Card. I refused the ATMs conversion offer (and gave it a gentle but firm kick..one for the team :-0..out of the camera's sight).

Withdrawal: 25,000 Bhat

ATM Fee: 250 Bhat

Total: 25,250 Bhat

Welle Fargo Charge: 782.22

Exchange Rate: 32.28

Not terrible!UPDATE

Ok- I have a question for all my Wise Banking American ex-Pats:

When I'm moving money from my Wells Fargo to wise and then Wise to a Thai bank account should I exchange the funds to Baht and then deposit them s Baht to the Thai bank account?

Does that make sense? Or just do a USD dorectly into my Thai bank account?

Which one will give me better rate?

I did a Bank Wire Transfer from the USA (Wells Fargo) to my friends Thailand bank account on November 8. It says arrival by November 20, & still has not arrived. I can’t understand why this transaction doesn’t take seconds, or even 1-2 days. Any ideas?

What American banks have the best fees for ATMs internationally and work well in thailand?