No, I wasn’t using the currency conversion - just plain savings withdrawal (I am fairly adept at using various cards abroad to avoid charges).
And it wasn’t just the ATM I used. I spent a considerable chunk of time trying every ATM in my area in Bangkok (around 12 different banks) and they all charge a standard 220 BHT so no avoiding it.
I’m not sure what you were expecting, though. A card that reimburses you for these unavoidable charges?
That’s very interesting 
I’m afraid I can’t immediately think of a reason, other than the ATMs charge for foreign card withdrawals? Did you try with another card?
To be used as your main bank account (like any other bank) and not be rinsed as a ‘travel card’ as per MSE forums.
Clearly you didn’t read the T&C’s or anything else for that matter as you are not “coerced to make a single £200 withdrawal per month” you simply can withdraw £200 from an ATM before you get charged.
Fair enough. If you can find a card which somehow negates the ATM operator’s charge’s, please let us know. I’d certainly be interested.
I didn’t see that marketing. I signed up for a prepaid card, and that’s what I got.
This definitely sounds like a third party misrepresentation of Monzo.
Monzo themselves haven’t really done much in the line of conventional marketing as far as I’m aware and instead very cleverly went for the viral approach via the use of Golden Tickets, which I’m sure you’ve seen as well as social media following.
Technology and Financial blogging sites have been writing up about the card and I know that MSE have defined it as a travel card. Trust the brand and the community when we say it’s really much more than that. It’s primarily designed to be used worldwide including in the UK as a full current account.
Update July 2017 ALL atms in Thailand now charge 250thb service charge (a prob £5.20) for using a foreign card. No exceptions.
So that makes Monzo an extremely poor choice as a travel card. Draw the Monzo max £200 and get hit with 2.6% atm fee or try to minimise the atm fee by drawing more and get whacked with the 3% Monzo fee.
I agree with the OP, when travelling leave your Monzo card at home there are far better options.
Travel Cards -
if you are going to destinations that function on cash payments there are better cards if you require more than £200 cash - for example Starling don’t charge for ATM FX , if you visit destinations where you can generally use POS purchases Monzo, Starling, Revolut offer virtually the same rates
Just remember that whatever card you use you’ll still get charged by the ATM operator.
Good point. Does Anne know you’re recommending her product 
Im sure she has her spies 
Other options include WeSwap travel card where you top up the card in advance and can hence lock in an exchange rate
not to keen on "locking in " rates are they going to be good rates or bad rates in a weeks time , a months time ?
agree with you. I prefer to use a debit card linked to a current acvount, but for those lamenting the demise of a prepaid card it may be a good option.
I’m unable to read this whole thread now - but my experience of Thailand is that all ATMs charge a withdrawal fee. Nothing to do with UK bank and certainly nothing Monzo can do about it.
You are missing the point. Atm fees become a smaller % with larger withdrawals, unless you use your Monzo card when going over £200 will increase your costs. Monzo is a bad choice for a travel card.
As I said I don’t have time to read whole thread.
I recommend Starling as a travel card right now.
Sure, don’t use Monzo as your travel money card if you’re going to make a lot of ATM withdrawals would be my advice too. As you said, there are cheaper options. Use those & everyone’s happy