I just want to share some info.Lacking of cash on hand,i used my UOB Debit card to make payment in entertainment establishment in Bangkok during the 7th & 9th June last month.One payment slip is Bht 2000,after the UOB bank transfer the amt to Sgd is $85.53.That mean the exchange rate i get is 23.38 at that time.I think the rate is consider good for me,i would prefer to make my payment by card.Unless they need me to pay by cash,that "lanlan" i have to go ATM to make withdrawal when UOB will charge a $5 service fee for oversea withdrawal.(Is it $5 or less,can"t really remember)In the end,it will cost more than using card.Do you brudders think so too?I attached a related website www.mymoneyskills.com for more info on credit & debit cards.