"How to avoid bad exchange rates at the ATMs and in shops?
Let’s come back to the guy on the petrol station. If you travel to a foreign country with another currency the cash machine will to ask if you want to withdrawal with currency conversion or without currency conversion. Here you should always use the without conversion option.
Without conversion means, that your local bank will exchange the money. This will give you a good exchange rate. If you choose instead the with conversion option (= dynamic currency conversion), you will get a guaranteed exchange rate, but the ATM/bank can add an up to 10 percent service fee. This is where you loose money. But you can avoid this by using the without conversion option."
So what I do is use Coinbase debit card, zero fees, take out 30k baht without conversion, get market rate like wise, and only pay 220 baht for that 30k..then I take that cash and deposit into my Bangkok bank
USA to Thai bank is very easy, go to ATM pay 220 baht fee or go inside to avoid fee, then put cash in the Thai bank account, yotta and Coinbase debit card don't have any fees except the Thai 220 baht fee, and you get market exchange rate that beats wire