ATM is convenient and better. Just make sure to withdraw in THB and don't accept currency conversion option in ATM machine.
Since there's fixed withdrawal charges, do in bulk.
@metal_heart Unaware of this since I hold only a Niyo DCB card and my brother too got his Niyo SBM Card recently before 10 days only.
Till today morning, Niyo support was saying him again and again to check Limits in app for International Transaction decline.
My brother is on Honeymoon trip to Thailand. Before going he got Niyo Global Forex Card as per my advice and loaded amount in that account. But when he tried to use the card after activation in POS & ATM, they transactions are continuously declined.
When he asked Niyo first, they said must be...