I live half of the year in Thailand. Monzo card works well most places, but all Thai banks and many foreign banks charge 220 baht for cash at atms. Citibank is rare, so havn’t yet tested the card in one. Yesterday, someone sent me funds through the link, which arrived on my phone app in seconds. 220 baht is around £5, so if taking out £50, its 10% in charges. So need to take out at least £200 to make it worth while. Fast internet is cheap and easy for mobiles. I use AIS at 300 baht a month in my PAYG Sim, although I’m told True is cheaper.