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It will be necessary to withdraw cash from the card of one of the European banks on Phangan. What are the current life hacks to minimize ATM fees? Which banks should I look for?
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Try to set up wise and make a local map. I'm not sure, but most likely it will be the lowest comsa. They have instant conversion at the normal rate and instant transfer to a Thai account, with a commission of 30 baht.... And on wise, you can easily transfer money from a European card, they have all the appropriate data for this.
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In a bank branch, you can withdraw money without a Thai bank commission. In the yellow bank, a master without a commission, a visa with a commission. In blue, both systems are commission-free. All ATMs charge a commission of about 220 baht.