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Cash (thai baht) probably about 20k, ATM card and credit card for me. Travellers checks, to me, are from the past.
The ATM's in Patong have a 'English' button, which you push and it asks in English what you want to do. It is just as easy as getting cash at home as long as your ATM card is compatable! On the back of mine I have 'Cirrus' and "Maestro', so I look for ATM's that have either posted along the top of the machine and then I am in business.
I always keep the cards in Hotel safe, half the cash with the other half in my lockable suitcase in my room. Only ever have up to 5k baht on me at one time, and in different pockets over my person. I always have photocopies of the bio page of my passport also, one is in the hotel safe the other in my suitcase and also photocopies of the cards.
The charge for using my ATM card is about 250baht (withdrawing 15k baht at a time), I'm on holiday to me this is not a problem.
This is what I do hope it helps.
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