Okay. I tested it out once. I withdrew a certain amount in baht from the ATM and exchanged same amount in baht from euro at the exchange booth. And the difference was really only a few euros. And then I thought: for those few euros, I'm not going to make things difficult for myself. But the bank I have (and Dutch banks in general) are known for having good conditions, rates, and fees for withdrawing money abroad. Maybe because the Dutch are a very travel-loving people who travel all over the world. We are a small country, but in the most remote places I go, I always run into Dutch people... haha