If you pay with your French card in Thailand, the exchange rate will be overcharged by your bank.Here are some advices which will allow you to minimize the bank charges. Be wary of the exchange offices located in the places of passage: not to lose too much with the exchange rate, privilege an office which is far from the tourist areas. Pay as much as you can with your card: in general, French banks only charge a percentage of card payments. You will not be penalized if you make too many payments.Avoid going to the ATM too often: in Thailand, you will probably have a flat fee in addition to the proportional fees on withdrawals.