Yep, transfer to my girlfriends bank, then she gives me thai baht, 1, don't have use ATM and get screwed £5 to get a small amount 2, plus you get a crap rate!!
5 seconds every time,no problem, been using for years the rates have always been very good, I check other providers now and then and most of them are worse or the same!
Only 1 really is when go out to the beach, the day , eve only take enough money you need for food and drink, Mobile if you need it, leave everything else on the safe at your hotel
It's great,! Take it on holiday and you will get the best exchange rate of anyone.
Change the money on the card for the currency to where you are going on holiday Thus no charge for exchanging from your home currency to the one to where you are going on holiday .
After 16 years of trying not to get screwed to get the best value for my money is!!
Take as much cash as you can or want to ! Try not to use ATM s ! You can take 0your card ( which ever one you want) to a bank with your passport And you will not be charged!! Take largest notes new or as new as possible, no marks ,pencil or pen marks etc.