There is no nice way to say it except that May sucked when it came to rates. Schwab beat the local rate two times out of five tested transactions. And I was lazy and didn't write down the local exchange rates, so I have no true street data to compare my charges to. For the one day that I compared, Capital One did NOT beat the daily rate.
May 15-21, 2016 (Schwab ATM Card Withdrawals in the Philippines)
May 28, 2016 (Schwab ATM Withdrawal in Thailand)
May 29, 2016 (Capital One Credit Card)