OK ... yeh you are right ... Ive just done the math again (never really was much good at math) The setup fee is 1.1% so if you load it with $3000 the fee will be $33 ... so all in all I guess thats not a bad price to pay for peace of mind ... so ... maybe I will now consider it. You reckon you can use it pretty much ev erywhere in Thailand??? And do you just withdraw so much baht at a time at an atm??? And youve obviously never had any probs with it or else you wouldnt be recommending it. Wd you say I would be wise to take say $1000 in AUD and load up a travelex with $2000???