Quote Originally Posted by aot871 View Post
Yes I am a brit , and only visit twice a year for approx. 2 or 3 weeks. When I first starting coming it was trav cheques , then went onto using atm but the bank charge of 150 and the uk end charge of 2.75% for overseas use , stopped that , so now I only bring cash , and use the yellow fronted exchange shops in pattaya
To answer your original question, I know of two guys who come once a year and both bring cash to exchange. One guy just makes one exchange at beginning of his trip while the other makes exchanges as Thai Baht is needed. A lot may depend on how the exchange rate is trending, up or down.