Cash advance at the desk with your credit card and passport. You are of course depending on the opening hours and maybe some waiting time but you should avoid the fee... BUT some banks charge you just the same, like SCB, and others will kindly show you the ATMs outside !
1 million for 20 years. The agent will take you 300 000 for his service during that period. You will also have to leave 400 000 untouched in the bank which you don't need to do once you have got your elite visa. I believe the difference is worthwhile for 20 years of peace of mind
