Won't be using Monzo abroad again due to ATM charges

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@anon11279800 You might like to look at the thread here;

Monzo in Thailand [Discussion]

Update July 2017 ALL arms in Thailand now charge 250thb service charge (a prob £5.20) for using a foreign card. No exceptions. Example: you ask to withdraw 1000thb. Machine will notify you of the charge. Your transaction will be billed at 1250 then withdrawn. This is the greedy Thai banks not Monzo. This is a service fee not exchange fee. Most arms will ask you if you want to use the dynamic exchange rate. DON’T. This rate is set by the atm owner and is typically 3% less than monzo. Remember t…