@Paul ******
i mostly use grab food and i shop in central, i buy gasoline at the station, so ATM is fine (no extra fees for this). i pay my rental by transfer, in THB, (no extra fees too). This is true that i pay 220 THB for every withdrawl, but i make sure to take 30.000 THB in one time. Also, with Wise, you pay and withdraw directly in THB and you get the best exchange rate. This app offer muuuchhhh better rates than any Thai banks. Check it out yourself, you might be surprised.