exectly right my friend. my close friend is out there now and swears by his nationwide card never a problem he says. i have a abbey credit card on mastercard but when i went out there last year it was very close to its limit but it worked fine. i am wondering if mastercard works better than abbey visa, or maybe its the debit card that is the problem. my mother told me when i was out there, that there was an item on watchdog that custormers in thailand had major problems getting money from abbey.some people had to come back to uk early cos they couldent get access to there money.