Was this a card transaction or did you use the phone for the transaction? I always use my Revolut card and state to the till operator, "Thai Baht," to avoid any confusion. I have never paid fees when using the card, When transferring money from abroad to a Thai bank, I first transfer the amount to the Thai A/C on the phone, then transfer that Thai mount to the Thai bank. The total fee for this transaction is approx 120B. DO NOT transfer on Sat/Sunday or the fees will really be over the top. I don't have a bricks and mortar bank in the UK, only the Revolut bank. All my incomes, except two, are paid into Revolut and have been for the past 7 years with no problems on their side. I did have one of my own making. I use a VPN on the phone occasionally and forgot to turn it off. Total bloody confusion for almost a week, before I realised what was wrong! Getting old has its down sides!