I needed to take money from an account that I RARELY ever access via ATM. I know that with this card I pay fees — which is why I never access through the ATM! Actually, this card has high atm withdrawal fees.
I also forget to take a picture of the street rate today.
In the transaction below, you will see that I took 15,000-baht, plus the 180-baht fee, for a total of 15,180-baht. With the exchange rate fee factored in, I received 32.46 baht/USD. I lost a percentage point in rate for using this card!
I also needed something at Tops Grocery Store. I received 33.47 baht/USD.
Yahoo BEST rate was 33.56. So my credit card charge was quite good. The ATM withdrawal was a disappointment. Getting within 10-15 points of Yahoo rate is good.