I always take cash and use my ATM card if I run short.
Take what you feel comfortable with! If this is your first trip to Thailand you may not be comfortable with cash but you don't have to carry it around for long!
Most hotels have a safe at the front desk as well as one in the room.
The front desk safe is like a safty deposit box system that needs both you and a staff member to open it and every visit must be signed off by both.This way you only need to take a daily amount with you.
Fee's and charges don't seem much at first until you realize what you could have bought with the fee's if they were baht in your pocket.
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