No problem for me Gary particularly as I probably know the lady in question if you want to send her money. But definitely open an account at Kasikorn next trip and save all of the ATM charges if you transfer a decent amount of money ie more than 4000 pounds then the transfer fees are miniscule compared with paying 150 baht ATM fees. You can still go inside the bank and get a cash advance on your CC for no money though. Tell them that you do not know the PIN code though otherwise they will want you to do it through the ATM as they make more money though.
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 Tom, I'm only an amateur gynecologist but I will look into it for you if you want.
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