I have seen many posts regarding Thai baht from ATM’s and their charges. I had a friend here a few months ago, who went to an ATM to draw 1000 pounds sterling from his UK bank account, after declining the ATMs exchange rate and allowing his bank to use their rate, he was offered 39,000 Baht, he proceeded, but the card was declined. He then transferred 1000 pounds sterling to my UK bank account and I transferred that to my Thai bank account via Wise, he received 42500 Baht for the same £1000. This illustrates the amount of money, the ATMs make.